This document explains how Mutual Life Africa collects, uses, stores, and shares your personal data. It applies to all customers, policyholders, and members across all regions and currencies.
Mutual Life Africa is an insurance and financial services provider serving African nationals, diaspora communities, and expats globally. We provide funeral cover, life cover, group funeral cover, credit facilities, and related financial products across multiple currencies and regions.
Mutual Life Africa is the data controller responsible for the personal information collected through our website, mobile application, and all related services. Our registered address is 420 Fifth Avenue, Manhattan, New York, NY 10018, United States.
Mutual Life Africa operates as part of a broader group of companies. Our group includes African Mutual Capital, Mutual Life Global, and Taesan Insurance, each operating under their own terms but subject to shared data governance standards described in Section 6 of this policy.
This policy applies to all individuals whose personal data we process, including policyholders, group administrators, enrolled members, credit applicants, and visitors to our website and app.
We collect the following categories of personal data:
| Category | Examples | Source |
|---|---|---|
| Identity data | Full name, date of birth, nationality, ID or passport number | Provided by you |
| Contact data | Email address, phone number, physical address | Provided by you |
| Financial data | Bank account details, payment history, credit score, loan amounts | Provided by you or generated internally |
| Policy data | Policy type, plan, currency, cover amount, premium, start date, status | Generated at policy creation |
| KYC data | ID document scans, proof of address, verification records | Provided by you |
| Technical data | IP address, device type, browser type, app version, session data | Collected automatically |
| Usage data | Pages visited, features used, time on app, actions taken | Collected automatically |
| Communications data | Emails, chat messages, support requests | Provided by you |
We collect personal data for the following lawful purposes:
We share personal data only where necessary and only with the following categories of recipients:
Group companies. Mutual Life Africa is part of a group that includes African Mutual Capital, Mutual Life Global, and Taesan Insurance. We may share personal data within the group for the following purposes:
Business partners. We work with a select number of authorised partners — including financial institutions, distribution partners, and service providers — who may receive your personal data where necessary to deliver services to you or to fulfil a product or service you have expressed interest in.
All group companies and partners with whom data is shared are bound by data sharing agreements that require them to maintain the same standard of data protection as Mutual Life Africa. They may not use your data for purposes beyond those agreed.
Marketing from partners. We will only share your contact data with partners for marketing purposes where you have provided explicit consent to receive such communications. You may withdraw consent at any time by emailing privacy@mutuallife.africa.
Mutual Life Africa operates globally and your personal data may be processed in countries other than your country of residence, including by our group companies and authorised service providers located in other jurisdictions.
Where personal data is transferred outside the European Economic Area, the United Kingdom, or South Africa, we ensure appropriate safeguards are in place including standard contractual clauses, binding corporate rules, data processing agreements, and transfers only to jurisdictions recognised as providing adequate levels of protection.
South African residents. Transfers outside South Africa are conducted in accordance with the Protection of Personal Information Act (POPIA) and only where the receiving party provides an adequate level of protection or where appropriate safeguards are contractually in place.
EU and UK residents. Transfers outside the European Economic Area are conducted in accordance with the General Data Protection Regulation (GDPR) and applicable UK data protection legislation.
We retain personal data only for as long as necessary for the purposes for which it was collected, or as required by law.
| Data Type | Retention Period |
|---|---|
| Active policy records | Duration of the policy plus 7 years |
| Claims records | 10 years from date of claim |
| KYC and identity documents | 5 years from account closure |
| Credit and financial records | 7 years from settlement or closure |
| Payment records | 7 years for tax and regulatory compliance |
| Communications and support records | 3 years from last interaction |
| Technical and usage data | 24 months |
Depending on your location, you may have the following rights regarding your personal data:
To exercise any of these rights, email privacy@mutuallife.africa. We will respond within 30 days. We may need to verify your identity before fulfilling your request.
Mutual Life Africa implements appropriate technical and organisational security measures to protect personal data against unauthorised access, disclosure, alteration, or destruction. These measures are reviewed regularly and updated in line with industry best practice.
Access to personal data is restricted to authorised personnel on a need-to-know basis. All third parties and service providers who handle personal data on our behalf are required to maintain equivalent security standards under the terms of our data processing agreements.
In the event of a data breach that is likely to result in a risk to your rights and freedoms, Mutual Life Africa will notify you and the relevant supervisory authority as required by applicable law and within the required timeframes.
Our website uses cookies and similar tracking technologies to improve your experience and analyse how our site is used. Cookies are small text files stored on your device when you visit our website.
Essential cookies are required for the website to function and cannot be disabled. Analytics cookies help us understand how visitors use our site and improve our content. Preference cookies remember your settings and choices between visits.
You may control cookie settings through your browser at any time. Disabling non-essential cookies will not affect your ability to use our core services. For full details please refer to our Cookie Policy.
Mutual Life Africa does not knowingly collect personal data from individuals under the age of 18 for account or policy creation purposes. Dependants under 18 may be registered under a parent or guardian's policy solely for the purpose of extending cover to them as permitted beneficiaries.
If you believe we have inadvertently collected personal data from a minor without appropriate consent, please contact us at privacy@mutuallife.africa and we will take prompt action to delete the relevant data.
Mutual Life Africa may update this policy from time to time to reflect changes in our practices, group structure, technology, or legal obligations. When we make material changes we will notify you by email and update the effective date at the top of this document.
We encourage you to review this policy periodically. Continued use of our services after the effective date of any update constitutes acceptance of the revised policy.
Mutual Life Africa is a leading insurance and financial services provider offering credit, life, and funeral cover for African nationals, African expats, and African diaspora communities in Africa and across the globe.
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