Privacy Policy

Effective Date: September 29, 2023
Last Reviewed: October 24, 2025

1. Introduction

At Masslife Healthcare Limited (“Masslife”, “we”, “our”, or “us”), we take your privacy seriously. This Privacy Policy outlines how we collect, use, disclose, protect, and retain your personal information when you visit our website, https://masslife.com.ng (the “Site”), or interact with us through digital platforms.

In compliance with the Nigeria Data Protection Act (NDPA) 2023, and mindful of evolving global concerns around data misuse, surveillance, cyber threats, and unauthorized access, we are committed to maintaining the confidentiality, integrity, and lawful handling of your personal data. This policy is designed for our clients, prospects, partners, and the general public within Nigeria and abroad.

2. Types of Data We Collect

We collect and process only the information necessary to fulfill specific, legitimate purposes. The categories of personal data we may collect include:

a) Personally Identifiable Information (PII)

This refers to data that can directly or indirectly identify you, such as:

  • Full name

  • Residential or business address

  • Mobile or telephone number

  • Email address

  • National Identification Number (NIN)

  • Banking and payment details (e.g., debit card info)

  • Date of birth

b) Non-Identifiable Data

  • Device information (e.g., IP address, browser type)

  • Cookies and usage logs

  • Aggregated demographic data (for analytics)

c) Sensitive Personal Data (where applicable and with explicit consent)

  • Medical or health-related information, particularly in the context of insurance and healthcare services

3. Lawful Basis for Processing Your Information

We process personal data in line with the NDPA and international data protection standards. Our legal bases include:

  • Consent: When you explicitly agree to our data practices

  • Contractual necessity: When data is required to provide services to you

  • Legal obligation: When compliance with Nigerian laws or regulations is necessary

  • Legitimate interest: For service improvement, fraud detection, and operational efficiency

4. How We Use Your Information

We use your personal data for the following purposes:

  • To create and manage user accounts or service portals

  • To process insurance applications and claims

  • To respond to enquiries or customer support requests

  • To send transactional updates, health awareness messages, and relevant offers (opt-out option available)

  • To comply with legal obligations or assist regulatory authorities when required

  • To conduct analytics and improve website functionality, responsiveness, and user experience

5. How and With Whom We Share Your Data

Masslife may share your personal data only under lawful and secure circumstances:

  • With service providers (e.g., IT providers, banks, payment processors, diagnostic labs, telemedicine provider) bound by data confidentiality agreements

  • With regulators or law enforcement when legally compelled or for public interest concerns

  • With partners for data aggregation, analytics, and industry research, in anonymized formats only

  • We do not sell or rent your PII to third parties for commercial purposes.

You retain the right to withdraw consent or opt-out of data sharing for non-essential purposes.

6. Data Storage and Security

We implement robust data protection measures consistent with global standards:

  • Data is stored on secure servers with restricted access

  • Payment and sensitive health information are encrypted using SSL/TLS protocols

  • Access controls, firewalls, and real-time threat detection are maintained

  • Staff and vendors undergo routine data privacy training

While we take all reasonable precautions, we acknowledge that no system is completely immune from breach. In the unlikely event of a data breach, affected individuals will be notified in line with NDPA requirements.

7. Your Data Rights

You have the following rights under the Nigeria Data Protection Act (NDPA):

  • Right to Access: Request copies of your personal data

  • Right to Rectification: Correct inaccuracies in your data

  • Right to Erasure: Request deletion of your personal data, subject to legal retention requirements

  • Right to Restrict Processing: Limit the way we use your data

  • Right to Object: Decline the use of your data for direct marketing or profiling

  • Right to Data Portability: Obtain your data in a usable digital format

  • Right to Withdraw Consent: Opt out of previously accepted uses

To exercise any of these rights, email us at info@masslife.com.ng.

8. Use of Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Personalize and enhance your browsing experience

  • Analyze site usage for performance optimization

  • Serve relevant content and advertisements

You can manage cookie settings through your browser. Note that disabling cookies may limit certain features.

9. Children’s Privacy

Masslife does not knowingly collect or process personal data of children under 18 years without verified parental or guardian consent. If we become aware of such data, it will be securely deleted. For concerns, please contact info@masslife.com.ng immediately.

10. International Data Transfers

Where personal data is transferred outside Nigeria (e.g., cloud hosting providers), such transfers are done in compliance with NDPA cross-border transfer provisions. We ensure that adequate safeguards (such as Standard Contractual Clauses or equivalent legal instruments) are in place.

11. Compliance and Legal Disclosure

We may disclose personal information:

  • When required by law, judicial order, or regulatory request

  • To prevent fraud, data breaches, or harm to public safety

  • To enforce our legal rights or protect our digital infrastructure

12. Updates to this Privacy Policy

This policy may be updated periodically to reflect changes in legal obligations, technology, or our services. We will post changes prominently on our website and notify you via email (if applicable) when material changes occur.

13. Third-Party Links

Our Site may contain links to external websites or digital platforms. We are not responsible for their privacy practices. We encourage users to review the privacy policies of any third-party sites before providing personal information.

14. Contact Us

For questions, requests, or complaints relating to this Privacy Policy or our data protection practices, please contact:

Data Protection Officer
Masslife Healthcare Limited
Email: info@masslife.com.ng
Website: https://masslife.com.ng