Privacy Policy

At Mutual Benefits, we treat your personal information as private and confidential. We are dedicated to protecting your privacy and providing you with the highest level of security at every point of interaction with us.

This policy, together with our Terms and Conditions, sets out the basis on which any personal data collected from you, or provided by you, will be processed by Mutual Benefits. By continuing to visit www.mutualng.com, you accept and consent to the practices described in this policy.

We collect information such as your name, address, passport details, identification numbers, telephone number, occupation, assets, income, and any other information we deem necessary for insurance, regulatory, operational, or service purposes.

We may also use your transactional insurance history, including account balance, payment records, debit notes, credit notes, and information received from family, solicitors, friends, employers, publicly available website or social media pages, government agencies, regulators, supervisory agencies, or credit agencies.

Additional information may include branch video footage, telephone conversations recorded through our contact centre lines, and geographic information connected to our branch network nationwide.

To provide you with the best insurance service, we may collect non-personal information during your visits so we can perform tasks such as granting access to certain parts of the website and researching how our site is used in order to improve our services.

Cookies are small text files stored on your computer or mobile device whenever you visit a website. Mutual Benefits uses cookies to improve your experience while on this site.

The collection and use of personal data by Mutual Benefits is in accordance with the Nigeria Data Protection Regulation 2019 and other similar data protection laws worldwide.

These laws require that personal data be processed fairly, lawfully, and in a transparent manner, obtained for specified lawful purposes, kept accurate and up to date where necessary, protected from unauthorised access, and not retained for longer than necessary.

Any personal information provided by you will be used with your consent or under lawful bases such as contractual necessity, legal and regulatory compliance, protection of vital interests, significant public interest, or legitimate interests that do not override your privacy rights.

Your personal information may be used to update and enhance Mutual Benefits records, execute your instructions, establish identity, assess product and service applications, price and design products, administer policies and claims, manage our relationship with you, manage risk, and identify or investigate illegal activity such as fraud.

We may also contact you when we suspect fraud on your account, when there are significant insurance sector developments, when we need to review insurance contract eligibility, prevent money laundering or terrorism financing, comply with legal obligations, assist regulators or law enforcement, or process a job application submitted to us.

Mutual Benefits sometimes uses automated systems and software to help reach decisions about you, for example when making underwriting decisions, carrying out security, fraud, and money laundering checks, or processing data connected to our products and services. You can contact us to request that automated processing be reviewed by a human being if you detect any inaccuracies in your personal data.

To the extent permitted by law, we may share information with our branches and subsidiaries, regulators and supervisory authorities, government agencies or courts, external auditors, staff, co-assurers, insurance agencies, correspondent agencies, and strategic partners or service providers that support the delivery and improvement of our products and services. Personal information is not shared with third parties for their marketing purposes.

We take appropriate technical and organisational measures to prevent loss, unauthorised access, misuse, modification, or disclosure of information under our control. This includes encryption, access controls, security processes, confidentiality requirements for staff and vendors, secure servers, secure physical locations, and cloud infrastructure where applicable. Data may be transferred outside Nigeria where necessary, but we take steps to ensure secure handling in line with this policy.

We retain your data only for as long as necessary for the purpose for which it was collected and in line with legal, regulatory, administrative, operational, audit, complaint handling, and dispute resolution requirements. Our Data Retention and Destruction Policy sets out how long data is kept and how it is destroyed.

You have the right to access your personal information held by us, rectify inaccurate or incomplete information, withdraw consent where consent has previously been given, restrict or object to certain processing, request that your personal data be made available in a common electronic format, request transmission to a third party, or request erasure where there are no overriding legal, regulatory, or operational reasons to retain the data.

Keeping your account information accurate and up to date is very important. If you discover any inaccuracies, please notify us promptly through our e-channels, branch network, or Mutual Care Centre and provide the required documentary evidence so that the necessary updates can be made.

This policy applies to Mutual Benefits and its subsidiaries, including Mutual Benefits Life Assurance Limited, Mutual Benefits Assurance Niger SA, and Mutual Benefits Assurance Company Liberia. Our websites, products, applications, and services may contain links to third-party websites, products, and services that operate under their own privacy practices. We may also interact with users on social media platforms including Facebook, Twitter, LinkedIn, and Instagram.

Mutual Benefits 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 open online accounts. We may also contact you from time to time with products or services that may interest you, but you can opt out by emailing info@mutualng.com. This policy may be revised from time to time to reflect legal, regulatory, and operating changes and any revised version becomes effective once posted.