PRIVACY POLICY

Kingdom Blue Holdings T/A Kingdom Blue  , and its affiliates and subsidiaries (including regional entities operating under the Kingdom Blue® respect the privacy of our client families and website visitors in a manner that would be expected of a leading provider of funeral insurance, funeral services, short and Long term insurance and other related products and services. We value our relationships with existing and prospective clients (“you”), and recognize that an essential element of those relationships is the trust and confidence you place in us to serve you and your family especially during your time of need.

This Privacy Policy applies to the Personal Information you provide to us or that we obtain on our websites and any mobile applications linking to this Privacy Policy (“Sites”) and to the Personal Information you provide to us or that we obtain from you in person at one of our funeral homes , branches, phone, mail , website, Application Forms. Surveys and other locations.

Personal Information. “Personal Information” means information that identifies, relates to, or describes, directly or indirectly, a particular individual, such as: name, address, email address, phone number, Nationality, Age, Marital status, and identity number.

Publicly Posted Information Is Not Personal Information. This Privacy Policy does not apply to information you post online that is viewable to the public. When you post any information or other content to a public platform using our Sites or when you post information on any Kingdom Blue Life Insurance  social media pages such information and/or other content is viewable to anyone on the Internet and is not Personal Information. This Privacy Policy does not apply to such public information.

We Collect the following Information.

Through the Sites. We may collect and store the following Personal Information when you submit it through our Sites. We may use this information for typical business purposes (including auditing our interactions with our customers or website visitors, for internal reporting purposes, or security and anti-fraud purposes) and as described more specifically below:

  • Personal Identifiers. We receive personal identifiers that you provide to us (such as your name, surname, phone numbers, email address, postal address, residential address, date of birth, Identification number , billing information , and use them to respond to your requests, to create new member policies at your request, to fulfill your requests such as removals of deceased and other services, or to communicate with you for marketing and informational purposes of which you can opt out of.
  • Message Content. We collect the messages you submit to us through contact, sign-up or apply on the Sites, such as customer service requests, messages you would like us to provide to delivery recipients. We use this information to respond to and fulfill your requests, and to improve our Sites and our service and product offerings.

From other Businesses, Partners, Prospects and Clients.

We may receive some of the personal identifiers, message content, and information listed above from third-party business partners (such as Funerals, referrals, or insurance providers) related to your transactions with them that involve us providing you with products or services. The Sites may also permit you to log-in and connect to the Sites with your social media account (such as Facebook), and we collect profile information about you from that social media website that you have made publicly available. We use this profile information for the same purposes as when we receive the information directly from you, as described above.

Cookies and other Automatic Collection through the Sites.

Like many website operators, when you access and use our Sites, we use cookies, log data, and similar technology to automatically record personal identifiers (such as your IP address and device identifiers), information about your device (such as your browser type, locale preferences, and mobile carrier) and information concerning your usage activity on the Sites (such as your interaction with our Sites, the link you used to reach our Sites, and our content and advertising displayed on our Sites and on other websites and online services). We use the data to enable certain features of our Sites, preserve your preferences and customize your experience when you visit and return to the Sites, and to study, enhance and improve the use and capabilities of our Sites, content, and advertising.

Information We Collect at our Physical Offices and Other Locations, by Phone, and by Mail

We may collect and store the following Personal Information when you provide it to us at one of our funeral homes, branches, funeral trips, cemetery, marketing fields and other locations, over the phone, or by mail. We may use this information for typical business purposes (including reviewing our interactions with our customers or for internal reporting purposes) and as described more specifically below

  • Personal Identifiers. We collect and maintain your personal identifiers (e.g., name, address, email address, telephone number, address, date of birth, insurance policy number, your identity number and your signature) in order to provide you with the products and services you request from us or for marketing and informational purposes. If you are the next of kin of record of an at-need or pre-need contract beneficiary, we may collect your information so that we can contact you in order to obtain details we require, marketing purposes or to provide services with regard to your family member or relation and for other point of contact purposes.
  • Financial Information. We may collect your bank account information when we assist with payments of your policies and debit order arrangements. We may collect your financial information from any contract with us that you sign, from processing or administering your financial transactions.
  • Medical Information. In connection with insurance applications, we may collect pertinent health condition and medical history of the insured individual(s) to help facilitate a no-waiting period on funeral services offering. We collect this information by asking health related questions during application.
  • For Reader Surveys, Research, Panels and Experience Programs: We gather information through questionnaires, surveys, and feedback programs. We also conduct similar research for advertisers. We ask you for your consent to use this information when you participate in these programs and events.
  • Audio and Visual Information. At those locations where we employ surveillance cameras in public areas for security purposes, we may collect images of you for security and access control purposes.
  • For Contests, draws and other Special Offers: When you sign up for these, you give us your name, email, and any other required information.
  • During Contact with Our Call Centers: We collect information from you when you want to purchase our products or services over the phone or contact customer service through one of our numbers.

Retention of Personal Information We only keep information for as long as necessary to fulfill the purposes for which it was collected and as permitted or required by law, such as to comply with recordkeeping and other legal obligations. There may also be residual information that will remain within our backup files, databases, and other records, which will not be removed or changed, except in accordance with retention policies.

Protecting Personal Information, we employ reasonable security measures to secure and protect the information we receive. Please remember, though, that no method of electronic transmission or storage is 100% secure.

Disclosure Policy We may provide affiliates and third parties with the Personal Information we collect (as described above) for our business purposes to assist us in providing products and services to you, including to process transactions, deliver products at your request, or to help us market products and services to you. We also disclose Personal Information as described below:

To Provide, Protect, and Improve Our Sites, Merchandise, and Services. We disclose Personal Information as necessary to operate our business, such as to third-party service providers and affiliates in connection with providing services to you or processing your transactions. For example, we may provide your name, telephone and address information complete a transaction you have requested or otherwise at your direction. We also may access, preserve, and disclose information if we believe that such action is necessary in our judgment to protect and defend our rights or property, or those of others. For example, we may provide information, including IP address information, to our service providers to protect the Sites, such as for fraud detection purposes.

To Comply with the Law and Legal Process. We may access, preserve, and disclose information concerning you if required to do so by law or if we believe that such action is necessary in our judgment to comply with a legal obligation.

Other Sharing. We may share information as described above under “Information We Collect Online” and “Information We Collect at our Physical Offices and Other Locations, by Phone, and by Mail”, and for other business purposes as otherwise explained in this Privacy Policy.

Sales, Mergers, and Acquisitions. In the event of a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of company assets, or transition of service to another provider of one or more funeral home or cemetery locations or other business units (whether by private sale, through operation of law, as part of a divestiture plan, or otherwise), we will provide Personal Information and transaction history associated with each such business unit to the persons and/or entities assuming control of such business unit or as otherwise necessary to complete the transaction as permitted by law or contract. To the extent permissible by law, we will require any such persons and/or entities to treat such Personal Information consistent with the applicable provisions of this Privacy Policy.

You May Share with Social Networking Websites. The Sites may provide options allowing you to share information with social networking websites, such as Facebook. Their use of the information you share will be governed by their privacy policies, and we are not responsible for how they treat the information.

Public Disclosure Using Non-Restricted Services. Our Sites make online and voice-recorded Guest Books, Death Notices, Obituaries, Biographies, Photo Galleries, other online memorials, location of funeral, cemetery services, and gravesites, and other postings to our public services available for viewing by all our visitors unless the sponsor or host of a service selects a privacy setting that restricts public access (available as an option only on certain services). As stated above, when you post any information or other content to the public areas of the Sites, such information is viewable by the public. This public information may be collected and used by others without your or our knowledge, and the security and other protective provisions of this Privacy Policy do not apply. Also, please keep in mind that publicly posting your user ID or contact information may result in the transmission of unsolicited messages to you from persons and entities over which we have no control. Please exercise caution and good judgment when disclosing any Personal Information to any public services. Note that we cannot be responsible for any online postings by a family member, friend, acquaintance or other person or entity outside of our control. Such activities and the associated postings are also outside the scope of this Privacy Policy.

Links

The Sites may contain links to other websites, and other websites may link to the Sites. Please be aware that we are not responsible for the privacy practices of such other websites. Whenever you visit another website – via a link from the Sites or otherwise – you should review the privacy policy of that other website. This Privacy Policy applies solely to information provided or obtained on our Sites.

International Users

We store your Personal Information in our offices and with our service providers in South Africa and Zimbabwe. While your Personal Information is in the Republic of South Africa, it is subject to Republic of South African Laws, and may be subject to disclosure to the governments, courts, law enforcement, or regulatory agencies in the Republic of South Africa, pursuant to applicable laws. By providing your information and using the Sites you consent to any transfer and processing in the Republic of South Africa in accordance with this Privacy Policy.

Your Consent

By using our Web site, you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on our Web site to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it. You also consent to our reviewing the content and to scanning your content electronically for keywords which we, at our sole discretion, deem inappropriate. If we find inappropriate language, you agree that we have the right to discontinue your services without any refunds as compensation for our efforts to that date, including our efforts of policing the content of our client’s communications with future recipients. Therefore, please ensure that you use appropriate language and that the purpose of your communication is appropriate as well. Note that we cooperate with authorities who might suspect that any communication made via our system is made for an unlawful or otherwise inappropriate purpose and you agree that we have a right to disclose any and all information in our possession to the appropriate authority if requested to do so.

Privacy Rights

Certain jurisdictions impose specific legal requirements and grant privacy rights with respect to Personal Information, and we will comply with restrictions and any requests you submit as required by applicable law. For example, you may have the right to review, correct, and delete Personal Information we have about you, or to consent or withdraw consent to certain uses or sharing of Personal Information. You may be able to use the Sites to access and update the information that you have provided to us through your use of the Sites or otherwise. If you would like to request access to such information or that we update, correct, or delete any such information, please send an email to us at info@kingdombluelife.com

In South Africa, the right to privacy is protected in terms of both our common law and in sec 14 of the Constitution. The recognition and protection of the right to privacy as a fundamental human right in the Constitution provides an indication of its importance. The constitutional right to privacy is, like its common law counterpart, not an absolute right but may be limited in terms of law of general application and has to be balanced with other rights entrenched in the Constitution. In protecting a person’s personal information consideration should, therefore, also be given to competing interests such as the administering of national social programs, maintaining law and order, and protecting the rights, freedoms and interests of others, including the commercial interests of industry sectors such as banking, insurance, direct marketing, health care, pharmaceuticals and travel services.

When you make a request, we may require that you provide information and follow procedures so that we can verify your request and your jurisdiction before responding to your request. The verification steps we take may differ depending on your jurisdiction and the request you make. We will match the information that you provide in your request to information we already have on file to verify your identity. If we are able to verify your request, we will process it. If we cannot verify your request, we may ask you for additional information to help us verify your request.

We will respond to your request within the time period required by applicable law. However, we may not always be able to fully comply with your request, and we will notify you in that event.

Can You Access and Correct Your Information?

You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing info@kingdombluelife.com

 No Use by Children Under the Age of 18

The Sites are not intended for use by children under the age of 18. If you are under the age of 18, you may not use our Sites. If a parent or legal guardian posts an entry on behalf of a child under the age of 18 on an online application or other section of the Sites, the parent or legal guardian must indicate that such entry is being made on behalf of the child by the parent or legal guardian. Caution and good judgment should be used in connection with any information provided concerning the child. We do not knowingly collect, maintain, or use Personal Information from children under 18 years of age. If we believe that any information has been posted by a child under the age of 18, we will promptly delete that information. Parents may contact us using the methods set forth on our contact details to request that information concerning their child be removed from our Sites.

Limitation of Liability.

in no event will kingdom blue be liable to you or any third party for any indirect, consequential, exemplary, incidental, special or punitive damages, including, without limitation, lost profit damages arising from your use of the kingdom blue services, even if kingdom blue has been advised of the possibility of such damages. notwithstanding anything to the contrary contained herein, kingdom blues’ liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to kingdom blue for the kingdom blue services during the term of your use of the kingdom blue services.

Notification of Changes to Privacy Policy

We reserve the right to modify this Privacy Policy. Whenever we decide to change this Privacy Policy, notice of the change will be posted on the Sites for a reasonable period of time or provided to you using other means. Nevertheless, you should review the Privacy Policy from time to time to be sure you are aware of the most recent version. Please be assured that we will only use Personal Information in accordance with the Privacy Policy in effect at the time the information was collected unless we receive your consent.

How to Contact Us with Questions: Your questions, comments and feedback are very important to us. For privacy-related questions, contact us via email at: info@kingdombluelife.com , or call our 24/hr. hotline 087 153 4545:

Physical Address

70 Grayston Drive, Sandton

Johannesburg. South Africa

2031