Cookie Policy

The objective of this policy is to explain what cookies are, how Mutual Benefits uses cookies, and the options available to customers for managing cookies when using the company website.

A cookie is a small text file that is sent to and stored in the browser directories of your device, whether you are using a smartphone or a PC. Cookies can be used to identify users, keep track of preferences, and record activity such as language, currency, IP address used, and time zone.

Session cookies expire when you end the session, leave the site, or close your browser. They help to store information during your session so that navigation and your experience on the site are easier and more convenient.

Persistent cookies remain stored on your device until their expiry dates are exceeded or until they are deleted. They are used to store preferences so the website can remember your choices the next time you access the site.

If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies.

The table below lists every cookie used on www.mutualng.com, what each one is for, how long it lasts, and who sets it. Cookies marked essential are required to deliver a service you have asked for, such as keeping you signed in, and cannot be switched off. The analytics cookies, set by Google Analytics and by our live chat provider, are used only if you accept them on the notice shown when you first visit. Refusing them under Customise means they are never set. You can also manage, block or delete cookies through your browser settings at any time.

Lifespan is counted from the moment the cookie is set or last refreshed. A cookie described as lasting for the browser session is deleted as soon as you close your browser.

Our cookies do not store personal or sensitive information; they hold a unique random reference so that, once you visit the site, we can recognise who you are. The cookies used by Mutual Benefits cannot read or search your computer or mobile device or inspect other material stored on your device.

Different browsers provide different methods for managing cookies, including disabling them. Some cookies are essential and disabling them may cause parts of the site or certain services not to function properly. For more information, customers can refer to https://www.aboutcookies.org.

When you first visit this website a notice offers Accept all, or Customise for choosing categories individually and for refusing the optional ones. Essential cookies cannot be switched off. The optional ones cover two things — Google Analytics measuring which pages are read, and our live chat provider recognising returning visitors — and are used only if you allow them. If you accept, your choice is remembered for 180 days. If you decline, the choice applies for that visit and we ask again next time you come back, so declining is never permanent and you are never tracked in the meantime. The cookie button in the corner of every page, and the Cookie Notice link in the footer, both let you change it at any time. Browser settings also control cookies independently of that choice.

The collection and use of personal data by Mutual Benefits is guided by privacy principles which require that personal data be processed fairly, lawfully, and transparently, obtained for specified lawful purposes, kept accurate, protected from unauthorised access, and not retained for longer than necessary.

Any personal information provided by you is used with your consent or under another lawful basis such as contractual necessity, legal and regulatory compliance, protection of vital interests, public interest, or legitimate interests that do not override the protection of your personal data.

Cookie-related and website-related information may support identity verification, product and service delivery, fraud and money laundering prevention, legal compliance, service improvement, and communication connected to our products or services.

To the extent permitted by law or authorised by you, Mutual Benefits may share information with its subsidiaries, regulators or supervisors, government agencies or courts, external auditors, staff, credit agencies, and strategic partners or service providers that support service delivery. Information about our customers and their usage of our website is not shared with unaffiliated third parties for their marketing purposes unless you expressly permit it.

We use technical and organisational measures such as encryption, access controls, updated security processes, and staff confidentiality obligations to protect information from loss, unauthorised access, misuse, modification, or disclosure.

Personal information may be stored on secure servers, secure physical locations, and secure cloud infrastructure where applicable. Data may be transferred to or stored in cloud locations at globally accepted vendors' data centres where necessary for business continuity and service delivery, but steps are taken to ensure secure handling in line with this policy.

We retain data for as long as necessary for the purposes for which it was collected and in line with legal, regulatory, administrative, and operational requirements. Data that is no longer needed is securely destroyed.

You have rights to access your personal information, rectify inaccuracies, withdraw consent where consent has previously been given, restrict or object to processing in certain circumstances, request portability, and request erasure where there are no overriding legal or operational reasons to retain the data.

If you suspect a violation of your rights, you may send a complaint to the Nigerian Data Protection Commission at info@ndpc.gov.ng. Mutual Benefits also uses info@mutualng.com as a designated email for data privacy complaints, requests, and enquiries.

This policy applies to Mutual Benefits and its subsidiaries, including Mutual Benefits Life Assurance Limited, Mutual Benefits Assurance Liberia, and Mutual Benefits Assurance Niger Republic. Our website may contain links to third-party sites and services that operate under their own privacy practices, and we may interact with users on social media platforms including Facebook, Twitter, Google+, LinkedIn, and Instagram.

Mutual Benefits Assurance respects the privacy of children, does not knowingly collect personally identifiable information from children, does not knowingly market to children, and does not allow children under 18 to purchase policies directly. This policy may be revised from time to time to reflect legal, regulatory, and operating changes.