Marsh FJC International Insurance Brokers Limited respects your privacy and is committed to protecting your data.
You agree that upon granting us your consent, you have the legal capacity to give consent and you are aware of your privacy rights and your option to withdraw your consent at any given time.
3. The Information We Collect
As part of our operations, we collect and process certain types of information (such as name, telephone numbers, address etc.) of individuals that makes them easily identifiable. These individuals include current, past, and prospective employees, suppliers/vendors, customers or former customers, and other individuals whom we communicate or deal with, jointly and/or severally (“Data Subject(s)”).
To use our Services, you will voluntarily provide us with certain Personal Information. Personal Information refers to information relating to an identified person or information
that can be used to identify you. We will not share or disclose your Personal Information with a third party without your consent except as may be required for the purpose of providing you with our Services or under applicable legislations.
The following are the information that we collect and process:
I. Individual personal information (e.g., name, previous names, date, and place of birth, etc.);
II. Individual personal contact details (e.g., address, email address, mobile numbers);
III. Identify information (e.g., photo ID, nationality, utility bill, national ID card and/or number);
IV. Information about the ways you interact with Marsh (e.g., channels used, geographic information, software used and information concerning your complaints);
V. Any information received from external authoritative registers required for compliance purposes;
VI. Information captured in customer documentation or data exchange such as application forms or advice documents or via telephone (e.g., records of advice);
VII. Marketing and promotional information (e.g., details of the services we offer and your preferences);
VIII. Cookies and similar technologies used to remember your preferences and tailor content;
IX. Data or records of correspondence related to relevant exchanges of information (e.g., emails);
X. Information to fulfill regulatory obligations (e.g., transaction details, user activity);
XI. Information from other entities (e.g., relevant transaction information)
XII. Information from third parties providing information to identify and manage fraud;
XIII. Closed circuit television (CCTV) in and around Marsh facilities (these may collect photos or videos of you); and
XIV. Other information about you that is voluntarily provided by filling in online forms or by communicating with us, whether face-to-face or via other available channels (e.g., by phone, email, or online
In providing you with our Products or Services, we may rely on third-party servers located in foreign jurisdictions from time to time, which as a result, may require the transfer or maintenance of your personally identifiable information on computers or servers in foreign jurisdictions. We will endeavour to ensure that such foreign jurisdictions have data protection legislation that is no less than the existing data protection regulations in force in Nigeria and your personally identifiable information is treated in a safe and secure manner.
3. We use your Personal Information to:
a. provide you with the required Products and Services;
b. respond to your questions or requests;
c. improve features, platform and website content and analyse data to develop products and services;
d. address inappropriate use of our Products and Services;
e. prevent, detect and manage risk against fraud and illegal activities using internal and third party screening tools;
f. send you marketing content, newsletters and service updates curated by us, however, we will provide you with an option to unsubscribe if you do not want to hear from us;
g. verify your identity and the information you provide in line with our statutory obligations using internal and third party tools;
h. maintain up-to-date records;
i. resolve disputes that may arise, including investigations by law enforcement or regulatory bodies; and
j. any other purpose that we disclose to you in the course of providing our Services to you.
4. Information that we collect from Platform Visitors
We do not collect any unauthorized Personal Information when you visit our website and platform except for the purpose for which you have consented that we do so. For the avoidance of doubt, any Personal Information collected for the purpose of carrying out the Services or providing you with the required Products will be done further to your explicit consent and shall be used only for the purpose communicated.
We may collect non-personally identifiable information to monitor and improve our platform and Services. We will not share or disclose this information with third parties except as a necessary part of providing our Products or Services to you. We may, where applicable, use the information to target advertisements to you.
5. Purpose Limitation
We collect Personal Information only for identified purposes and for which consent has been obtained. Such Personal Information cannot be reused for another purpose that is incompatible with the original purpose, except consent is obtained for such purpose.
6. Data Processing Principles
Your personal data will be:
7. Data Minimization
We limit Personal Information collection and usage to data that is relevant, adequate, and necessary for carrying out the purpose for which the data is processed. We will evaluate whether and to what extent the processing of Personal Information is necessary and where the purpose allows, anonymized data will be used.
Our cookies never store personal or sensitive information. They simply hold a unique random reference to you so that once you visit our website, we can recognize who you are and provide certain content to you. If your browser or browser add-on permits, you have the choice to disable cookies on our website, however this may impact your experience using our website.
You can accept or decline cookies by modifying your browser setting to decline cookies if you prefer.
9. How We Protect Your Information
We shall establish adequate controls to protect the integrity and confidentiality of your Personal Information, both in digital and physical format and to prevent your Personal Information from being accidentally or deliberately compromised.
We are committed to managing your Personal Information in line with global industry best practices. We protect your Personal Information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration, we also use industry recommended security protocols to safeguard your Personal Information. Other security safeguards include but are not limited to data encryption, firewalls, and physical access controls to our building and files and only granting access to your Personal Information to only employees who require it to fulfil their job responsibilities. No Personal Information processing will be undertaken by an employee who has not been authorized to carry such out as part of their legitimate duties.
Employees may have access to your Personal Information only as is appropriate for the type and scope of the task in question and are forbidden to use your Personal Information for their own private or commercial purposes or to disclose them to unauthorized persons, or to make them available in any other way.
10. How We Use the Information You Provide
We use the information we collect for business and commercial purposes such as:
to operate, improve, and develop our Services and to verify your identity and the identities of other members of your company, we also use your information to bill developers for our Services and to transmit payment. We use your information to comply with law, such as for tax reporting purposes and to send you technical notices, updates, security alerts, and administrative messages; to respond to your comments, questions, inquiries, and customer service requests.
We use your data to help personalize the Service experience for you to communicate with you about products, services, offers, and events offered or sponsored by Marsh, and to provide news and other information we think may be of interest to you. Information that we collect is also used to monitor and analyse trends, usage, and activities in connection with our Services, to detect and prevent fraud, malicious activity, and other illegal activities. We use your data to protect the rights, privacy, safety, or property of Marsh and others; and for any other purpose described to you when the information was collected.
11. How We Share the Personal Information You Provide
We do not sell, trade, or rent personal information to anyone. However, to enable us to render our Services to you on our platform, we may share your information with trusted third parties, such third parties include financial institutions, payment processors verification services, sanctions screening and identity verification services as well as any third parties that you have directly authorised to receive your Personal Information. Your Personal Information may be stored in locations outside our direct control, for instance, on servers or databases co-located with hosting providers.
12. Transfer of Personal Information
Third Party Processor within Nigeria
We may share your information with law enforcement agencies, public or tax authorities or other organizations if legally required to do so, or if we have a good faith belief that such use is reasonably necessary to:
a. comply with a legal obligation, process, or request (including tax and related reporting requirements);
b. enforce our Terms of Service and other agreements, policies, and standards, including investigation of any potential violation thereof;
c. detect, prevent, or otherwise address security, fraud, or technical issues; or
d. protect the rights, property or safety of us, our users, a third party or the public as required or permitted by law (including exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction).
Please see the list of third-party processors we share personal data with below:
13. Transfer of Personal Information to Foreign Country
Where Personal Information is to be transferred to a country outside Nigeria, we shall put adequate measures in place to ensure the security of such Personal Information. In particular, we shall, among other things, confirm whether the country is on the National Information Technology Development Agency (“NITDA”) Whitelist of Countries with adequate data protection laws.
Transfer of Personal Information out of Nigeria would be in accordance with the provisions of the Nigeria Data Protection Regulation ("NDPR”). We will therefore only transfer Personal Information out of Nigeria on one of the following conditions:
We will take all necessary steps to ensure that your Personal Information is transmitted in a safe and secure manner. Details of the protection given when your Personal Information is transferred outside Nigeria shall be provided to you upon request.9.
14. Ground for Processing of Personal Information
Our Lawful Basis for Processing Personal Information
. We will only use and process your personal data as permitted by the Nigerian Data Protection Regulation 2019 (Nigerian Data Protection Regulation). We have set out below a description of all the legal bases we may rely on to process your personal data:
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your personal data. Please contact us by sending an email to: (insert email address), if you need details about the specific legal ground we are relying on to process your personal data where more than one ground may have been used to process your personal data.
15. The Data that We Retain
We will retain your Personal Information for as long as is needed to provide our Services to you, comply with our legal and statutory obligations or verify your information with the required verification authorities.
We are statutorily obligated to retain the Personal Information and data you provide us with to process transactions, ensure settlements, make refunds, identify fraud, holistically carry out our Services and in compliance with laws and regulatory guidelines applicable to us and our service partners. Therefore, even after discontinuance of our Services, we will retain certain Personal Information and transaction data to comply with these obligations.
All Personal Information shall be destroyed by us where possible. For all Personal Information and records obtained, used, and stored by us, we shall perform periodical reviews of the data retained to confirm the accuracy, purpose, validity, and requirement to retain.
The length of storage of your Personal Information shall, amongst other things, be determined by:
16. Choices and Rights
Once your Personal Information is held by us, you are entitled to reach out to us to exercise the following rights:
17. Age Restriction
18. Compliance with Local and International Regulatory Best Practices
We confirm that we comply with the NDPR on data collection, transmission, usage, and protection. We also, for best practices, adopt pertinent best practices per the General Data Protection Regulation (2016/679) (GDPR) to the extent that they do not conflict with Nigerian data protection regulations and laws.
19. Updates, Modifications and Amendments
20 Complaints and Remedies
All complaint must be addressed to the company by sending an email to our Data Protection Officer using the following contact details:
9th Floor, Broking House
No. 1 Alhaji Jimoh Odutola Road Dugbe, Ibadan
Oyo State Nigeria.
Please note that, the complaint and resolution procedure is not prejudicial to your right to complain to the data protection authorities (in this case, the National Information Technology Development Agency (NITDA)) using the following contact details:
No. 28, Port Harcourt Crescent,
Off Gimbiya Street, P.M.B 564, Area 11, Garki, Abuja, Nigeria.
We also have a duty of self-reporting of Personal Information breaches to NITDA within 72 hours of being aware of such breach.
You may also seek redress in a court of competent jurisdiction. We would, however, appreciate the chance to deal with your concerns before you approach the data protection authorities. Kindly contact us in the first instance by sending an email to: (email@example.com or firstname.lastname@example.org).
21 Questions and Inquiries
Marsh FJC International Insurance Brokers Limited
5th Floor, UBA House
Marsh FJC International Insurance Brokers Limited
9th Floor, Broking House
N0. 1 Alhaji Jimoh Odutola Road,
Marsh FJC International Insurance Brokers Limited
Plot 470 Abogo Largema Street
Off Constitution Road