1. Introduction
 

Capernaum Reinsurance Brokers (Lda) (“Capernaum”, “we”, “us”, “our”) is committed to safeguarding the privacy and confidentiality of all individuals who interact with our company and our digital platforms.

This Privacy Policy outlines how we collect, use, store, disclose, and protect personal information in accordance with Mozambique’s legal environment, including the Electronic Transactions Law, the Draft Personal Data Protection Law, and recognised global data-protection standards.
 

By accessing our website or engaging with us, you consent to the practices described herein.
 

2. Scope of This Policy
 

This Privacy Policy applies to:
 

• Visitors to our website

• Clients, prospective clients, reinsurance partners, and service providers

• Any individual who communicates with or provides personal data to Capernaum

This policy covers all personal data processed through our website, digital channels, correspondence, and operational activities.
 

3. Categories of Personal Data We Collect
 

We may collect and process the following categories of personal information:
 

3.1 Personal Identification Data
 

• Full name

• Email address

• Mobile or telephone number

• Company name and professional designation
   

3.2 Technical and Website Usage Data
 

• IP address

• Device information (browser type, operating system, hardware)

• Website interaction logs

• Cookies and analytics data collected through browsing behaviour
   

3.3 Communication and Operational Data
 

• Information submitted through contact forms

• Details shared when requesting proposals or submitting placement information

• Correspondence exchanged with our team

• Documentation shared during reinsurance transactions

4. Legal Basis for Processing Personal Data
 

In line with Mozambican regulations and global best practice, we process your information based on one or more of the following legal grounds:
 

• Your consent

• Performance of a contract or steps taken prior to entering into a contract

• Compliance with legal or regulatory obligations

• Legitimate interests, including operational efficiency, client relationship management, and fraud-prevention

5. How We Use Your Personal Information
 

We use personal data strictly for lawful and legitimate business purposes, including:
 

• Responding to enquiries and providing requested services

• Facilitating reinsurance placement, advisory activities, and operational execution

• Communicating with clients, reinsurers, and partners

• Managing internal administration and compliance

• Enhancing website functionality and user experience

• Conducting analytics to improve service delivery

• Meeting regulatory, audit, or legal obligations

We do not sell, rent, or trade your personal data.
 

6. Sharing and Disclosure of Information
 

Your information may be shared, on a need-to-know basis, with:
 

6.1 Internal Stakeholders
 

• Capernaum’s operational, technical, and compliance teams
   

6.2 External Third Parties
 

• IT and system service providers

• Professional advisors (legal, audit, compliance)

• Reinsurers and insurance partners involved in the placement process

• Regulators or authorities where disclosure is legally required

All third parties are required to maintain confidentiality and follow strict data-protection safeguards.
 

7. International Transfers
 

Where operational requirements involve cross-border reinsurance placement or hosting of digital services, personal data may be transferred to jurisdictions outside Mozambique.
 

We ensure such transfers comply with:
 

• The Draft Personal Data Protection Law principles

• Appropriate contractual and technical safeguards

• International standards on secure data processing
   

8. Data Security and Protection
 

We use a combination of administrative, technical, and physical safeguards to protect personal data, including:
 

• Secure servers and encrypted communication channels

• Strict access-control protocols

• Regular system monitoring

• Data-minimisation and retention discipline
   

9. Your Rights
 

Subject to Mozambican law, you may exercise the following rights:
 

• Right of access: request a copy of the personal data we hold

• Right to correction: request updates or rectification of inaccurate information

• Right to withdraw consent (where applicable)

• Right to object to certain types of processing

• Right to request deletion, where legally permissible
   

Requests can be submitted to the contact details below.
 

10. Data Retention
 

We retain personal information for as long as necessary to fulfil the purposes for which it was collected, including:
 

• Contractual obligations

• Regulatory reporting and audit requirements

• Legal and operational compliance
   

Once no longer required, information is securely deleted or anonymised.
 

11. Updates to This Policy
 

This Privacy Policy may be amended from time to time. The latest version will always be available on our website.
 

12. Contact Information
 

For questions, concerns, or data requests, please contact:
Email: info@capernaumre.com
Attention: Data Protection Officer
Company: Capernaum Reinsurance Brokers (Lda), Mozambique