Introduction

Liberty Micro Life Insurance Ltd. is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website, mobile application, customer portal, and other online services. By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy.

Information We Collect

We may collect information provided by you or generated through your interaction with our insurance products, services, website, mobile application, digital platforms, or when you communicate with us for customer support or other services.

• Personal Information: We may collect personal information provided by you or related to your insurance services for purposes such as policy issuance, policy servicing, underwriting, customer support, claims processing, account management, verification, and other insurance-related activities. This may include information relating to policyholders, insured persons, nominees, beneficiaries, or other individuals associated with an insurance policy, where necessary to provide and manage our insurance services.
• Technical Information: We may collect limited technical information when you access our website, mobile application, or digital services to ensure proper functioning, maintain security, improve performance, and enhance user experience. This may include information related to your device, browser, operating system, or other technical details required for these purposes.
• Usage Information: We may collect information about your interaction with our website, mobile application, and digital services, including features accessed, pages visited, and service preferences, to improve our services, enhance user experience, and maintain the quality and security of our digital platforms.

How We Use the Information We Collect

We may use the information collected to provide, operate, maintain, and improve our insurance products, services, website, and mobile application. The information may also be used to respond to your inquiries, provide customer support, communicate important updates, and enhance the quality and security of our services.

We may use the information for legitimate business purposes, including service improvement, analysis, compliance with applicable laws and regulations, and protection of our rights and interests.

How We Share the Information We Collect

We may share information collected through our services only when necessary to provide insurance services, operate our systems, maintain our services, comply with applicable laws and regulatory requirements, or protect our rights and interests.

We do not sell, rent, or trade your personal information to third parties for their marketing or commercial purposes.

Information may be shared only in the following circumstances:

• With Service Providers: We may share information with trusted service providers who assist us in operating our systems, providing technical support, maintaining our services, processing transactions, or performing other necessary functions on our behalf.
• As Required by Law or Regulation: We may disclose information when required by applicable laws, regulations, regulatory authorities, courts, or other lawful requests.
• To Protect Our Rights and Interests: We may disclose information when necessary to protect our legal rights, enforce our terms and conditions, defend against legal claims, prevent fraud, or investigate suspected misuse of our services.

Your Choices and Rights

You may have certain rights regarding the information we hold about you, subject to applicable laws, regulations, and our business requirements.

• Managing Communication Preferences: You may manage your communication preferences or opt out of promotional communications by following the instructions provided in the communication or by contacting us directly.
• Accessing and Updating Your Information: You may request access to or correction of your personal information by contacting us. We will take reasonable steps to update or correct information where appropriate.
• Requesting Restriction or Removal of Information: You may request restriction or removal of your personal information where applicable. However, we may retain certain information where required for insurance operations, regulatory requirements, legal obligations, record keeping, or legitimate business purposes.

Security

We take reasonable administrative, technical, and organizational measures to protect the information we collect from unauthorized access, misuse, alteration, disclosure, or loss.

While we strive to protect your information, no method of electronic transmission, storage, or security measure is completely secure. Therefore, we cannot guarantee absolute security of your information.

Changes to This Privacy Policy

We may update or revise this Privacy Policy from time to time to reflect changes in our services, business practices, legal requirements, or regulatory obligations.

Any changes to this Privacy Policy will be published on this page. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Compliance with Applicable Laws

We handle personal information in accordance with applicable laws, regulations, and regulatory requirements governing insurance services in Nepal.

Contact Us

If you have any questions or concerns regarding this Privacy Policy or the information we collect, please contact us.