Privacy Policy

Lukango Ltd (“we” “our” “us”) is committed to protecting your personal data and complying with the Data Protection Act 2018, the UK General Data Protection Regulation, and the Privacy and Electronic Communications Regulations (collectively referred to in this privacy policy as data protection laws). Please read this privacy policy carefully as it provides information about how we use personal data and the rights available to you under data protection laws.

The terms “personal data”, “special category data”, “consent”, “process/processing”, have meanings as defined in data protection laws,

Layered Approach

We use a layered approach to delivering information about data protection through:

This privacy policy being accessible online.
A brief privacy notice included in the insurance policy documentation when we issue your policy, which will refer to this more detailed privacy policy.
The London Market Core Uses Information Notice: this Notice provides further information on how personal data is used within the insurance market.

Information we may collect about you

We may collect either directly from you or from third parties:

Information provided through enquiries, application or claims forms, including but not necessarily limited to your name, address and contact details.
More sensitive information such as details of any criminal or fraudulent behaviour
Medical information
Records of all correspondence and communications with you including telephone recordings
Information we collect through the use of cookies.

Why we collect personal data

We are required by data protection laws to have legitimate reasons to process and use your personal data. The main purpose for processing your personal data is for the provision and performance of an insurance contract e.g., reviewing your application, setting you up as a policyholder, administration and maintenance of your insurance policy, or in order to process a valid claim.

With regards to special category data, we must obtain your consent at the point of collecting your personal data (i.e. when you input your details online or when completing a form) in order to process the data unless an exemption for insurance purposes is applicable. In some circumstances, if we do not have your consent to process your data, it may impact our ability to issue you with insurance cover or to handle any claims.

We may also gather personal data for the following purposes.

Where we have lawful purposes for processing your data, e.g., for maintaining our accounts and records, gathering market intelligence to develop and improve our products and services. We will ensure that the processing of your personal data does not affect your rights under data protection laws.
To comply with a legal or regulatory obligation e.g., where we are required to maintain records of any transactions with you.
To prevent, identify and investigate fraud.
Any activity that is in the public interest.
To defend ourselves against or make any legal claims.

Sharing and safeguarding your personal data

All personal data supplied to us is stored on secure servers and only accessed and used in line with our data protection policies and procedures. Your personal data will only be accessed by our employees or authorised third parties who require the information for their legitimate business purposes. In circumstances where it is necessary to share your personal data with a third party, contractual agreements are in place to ensure the security and confidentiality of your personal data, and the information will only be used for the specific purposes for which it has been provided to them.

Associate and partner companies

We may share your personal data with our associate and partner companies based in the UK, but only for the purposes laid out in this privacy policy, and we will ensure the security of your personal data.

Authorised third parties

We may also be required to allow authorised third parties, including service providers and suppliers, access to your personal data, for the purposes stated above. Any data sharing with third parties will be in compliance with data protection laws.

Governmental, legal and regulatory authorities

It may be necessary for us to share your personal data with financial and regulatory organisations (e.g., the Financial Ombudsman Service and the Financial Conduct Authority) or law enforcement agencies (including courts) to assist them with enquiries, investigations or proceedings, and ensure our compliance with our regulatory and legal requirements.

As a financial services company, we are required to have certain procedures in place with regards to anti-bribery and corruption, money laundering and fraud. If any criminal offence is detected or suspected, we may share data with third parties (e.g., law enforcement agencies, fraud prevention agencies, anti-money laundering agencies) to prevent crime or aid investigations if crime is identified. We may also access this data as part of our ‘Know Your Client’ procedures to establish the parties we are dealing with and when assessing a claim payment to prevent criminal offences.

Marketing

With your explicit consent we would like to send you information about our products, and services and those of our associated and partner companies, which may be of interest to you.

You have a right at any time to stop us from contacting you for marketing purposes.

If, having consented, you no longer wish to be contacted for marketing purposes, please email us at hello@lukango.com.

Your Rights

Our policy complies with data protection laws. Those laws require us to tell you about your rights and our obligations with regards to the processing of your personal data.

Those rights are:

There are some circumstances where we may lawfully restrict your rights in order to safeguard the public or our own legitimate interests.

For further information regarding your rights, please visit the Information Commissioner’s Office’s website or click on the links provided above.

If you have any questions regarding privacy or how we use personal data, you may contact us at:

Email: hello@lukango.com
Postal Address: 63/66 Hatton Garden, Fifth Floor Suite 23, London, England, EC1N 8LE

Other websites

Our website contains links to other websites. This privacy policy only applies to our website so when you link to other websites you do so at your own risk and should read their privacy policies.

Changes to our privacy policy

We keep our privacy policy under regular review, and we will place any updates on this web page. This privacy policy was last updated November 2023.

Your right to complain

Should you have any concerns regarding how we process your personal data, then you have the right to report your concern to the Information Commissioner’s Office. For more information, please visit their website.

Cookies

What are cookies?

Cookies are simple small text files which are stored on your computer or mobile device to help us provide you with the best experience when using our website.

We may use the following types of cookies:

Necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use the service or make use of e-billing services.
Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our website. This enables us to remember you and personalise our content for you.
Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We use this information to make our website more relevant to customers. We may also share this information with third parties for this purpose.

How to manage cookies

If you want to block or restrict the use of cookies, you can do so through your web browser settings. Helpful information can be found at www.internetcookies.org.

For further information on how we use cookies, please contact us at: hello@lukango.com