1. Introduction
 

Welcome to Capernaum Reinsurance Brokers (Lda) (“we”, “us”, “our”). This Privacy Policy explains how we collect, use, store, share, and protect personal information in connection with your use of our website and services, in accordance with applicable Mozambican legal norms and international data privacy best practice.
 

2. Scope
 

This Privacy Policy applies to all personal data collected via our website (https://capernaumre.com) and through client or business interactions.
 

3. What Personal Data We Collect
 

We may collect personal data including, but not limited to:
 

• Contact information (name, email address, phone number)

• Professional data (company name, role, business contact details)

• Technical information (IP address, device and browser type, analytics data)

• Communications data (information in any messages you send to us)

4. Purposes and Legal Bases for Processing
 

We collect and process your personal data only for legitimate purposes, including:
 

• Providing services and client support

• Responding to enquiries and communications

• Managing relationships and contracts

• Compliance with legal obligations

• Website performance and analytics
   

We rely on lawful grounds such as your consent, the performance of a contract, and our legitimate interests in managing our services and online presence.
 

5. How We Use Your Information
 

Your personal data may be used to:
 

• Contact you regarding your inquiry or engagement

• Provide functional and administrative support

• Improve our website and services

• Comply with applicable legal or regulatory requirements

We do not sell personal data to third parties.
 

6. Disclosure and Sharing
 

We may share your data with:
 

• Service providers who assist us with operations (IT providers, analytics tools)

• Professional advisors where needed for compliance or legal reasons

• Authorities if required under applicable law
   

In all cases, third parties are bound to safeguard your information.
 

7. International Transfers
 

While Mozambique does not yet have a comprehensive data protection loop, any transfer of personal data outside the country will be conducted with appropriate safeguards consistent with the Draft Personal Data Protection Law principles, ensuring that your information remains protected during transfer.
 

8. Data Security
 

We maintain organisational and technical measures to protect your information against misuse, loss, unlawful access, or alteration.
 

9. Your Rights
 

Subject to applicable law, you may have the right to:
 

• Access personal data we hold about you

• Rectify or update inaccurate information

• Withdraw consent where consent is the legal basis for processing
   

10. Retention
 

We retain personal data only as long as necessary for the purposes for which it was collected or as required by law.
 

11. Updates to this Policy
 

We may update this Privacy Policy from time to time. The updated version will be posted at the same URL.
 

12. Contact
 

Questions or requests regarding this Privacy Policy should be sent to:

Email: info@capernaumre.com
Address: Capernaum Reinsurance Brokers (Lda), Mozambique