Delamere House, 1st Floor, Northwing, Private Bag 154, Blantyre, Malawi  ·  Mon–Fri 8:00am–5:00pm
+265 (0) 882 123 334 insurance@kingfisher.mw
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Privacy Policy

How we collect, use, and protect your personal information at Kingfisher Insurance Brokers & Consultants Ltd.

Last Updated: March 2025

Kingfisher Insurance Brokers & Consultants Limited ("Kingfisher", "we", "us", "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you engage our services or visit our website.

1. Who We Are

Kingfisher Insurance Brokers & Consultants Limited (Registration No. 4941) is a licensed General Insurance, Group Life Assurance & Pensions Administration Broking firm, accredited by the Reserve Bank of Malawi. We are established under the laws of Malawi with our head office at:

Delamere House, First Floor, Northwing
Private Bag 154, BLANTYRE
Malawi

For any privacy-related inquiries, you may contact our Data Protection Officer at:
privacy@kingfishermw or call +265 882 123 334.

2. Information We Collect

We may collect the following categories of personal information:

Identity Information

  • Full name and date of birth
  • National ID or passport number
  • TPIN (Taxpayer Identification Number)
  • Occupation and employment details

Contact Information

  • Postal and residential addresses
  • Telephone numbers
  • Email addresses
  • Emergency contact details

Financial Information

  • Bank account details
  • Payment history
  • Premium payment records
  • Claims payment information

Insurance-Related Information

  • Policy details and history
  • Claims history
  • Risk assessment information
  • Medical information (for health/life policies)

Sensitive Information: For certain insurance products (particularly life, health, and medical insurance), we may collect sensitive personal data including health information. We only collect such information with your explicit consent and as necessary to provide our services.

3. How We Collect Information

We collect information through:

Insurance application forms
Direct communications with our team
Our website and online portals
Employers (for group schemes)
Insurance companies and reinsurers
Third-party risk assessors

4. Purpose of Collection and Legal Basis

We use your personal information for the following purposes:

Purpose Legal Basis
Insurance broking services (placement, renewal, policy management) Contract performance
Claims handling and settlement Contract performance / Legal obligation
Risk assessment and underwriting advice Legitimate interests / Consent
Premium collection and reconciliation Contract performance
Regulatory compliance (Reserve Bank of Malawi requirements) Legal obligation
Communication about insurance products and services Legitimate interests / Consent
Fraud prevention and detection Legal obligation / Legitimate interests

5. Sharing and Disclosure

We may share your personal information with the following categories of recipients:

Insurance Companies and Underwriters

To obtain quotations, arrange cover, and process claims. This includes both local insurers and international markets including Lloyd's of London.

Reinsurance Partners

Our network partners including Willis Towers Watson, Price Forbes, Lockton, Allied Africa Broker Network, and OLEA Insurance Solutions for reinsurance placement.

Regulatory Authorities

Reserve Bank of Malawi, Malawi Revenue Authority (MRA), and other regulatory bodies as required by law.

Professional Advisors

Our legal advisors, JF Kennedy Attorneys and Counsellors at Law, and other professional service providers.

International Transfers: As part of our reinsurance arrangements with international partners (including Lloyd's of London brokers), your information may be transferred to countries outside Malawi. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

6. Data Security

Kingfisher implements appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These include:

Secure office premises
Access controls and authentication
Encrypted data transmission
Staff training on data protection
Secure data storage systems
Regular security assessments

As required by the Reserve Bank of Malawi, we maintain professional indemnity insurance as an additional protection to our clients.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to meet legal, regulatory, or reporting requirements. Typically, this means we retain client information for the duration of our business relationship and for a period thereafter as required by:

  • Reserve Bank of Malawi regulations for insurance brokers
  • Tax legislation (Malawi Revenue Authority requirements)
  • Contractual obligations with insurers
  • Statutes of limitation for potential claims

When information is no longer required, we securely delete or anonymise it.

8. Your Rights

Subject to applicable laws, you may have the following rights regarding your personal information:

1
Right to Access

Request a copy of the personal information we hold about you.

2
Right to Rectification

Request correction of inaccurate or incomplete information.

3
Right to Erasure

Request deletion of your information where there is no compelling reason for continued processing.

4
Right to Restrict Processing

Request restriction of processing in certain circumstances.

5
Right to Data Portability

Request transfer of your information to you or a third party.

6
Right to Object

Object to processing based on legitimate interests or for direct marketing.

7
Right to Withdraw Consent

Withdraw consent at any time where processing is based on consent.

To exercise any of these rights, please contact our Data Protection Officer at privacy@kingfishermw or write to us at our Blantyre address.

9. Cookies and Website Tracking

Our website uses cookies to enhance your browsing experience. For detailed information about the cookies we use and how to manage them, please see our Cookie Policy.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or industry standards. We will notify you of any material changes by posting the updated policy on our website with a revised "Last Updated" date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

11. Complaints

If you have concerns about our handling of your personal information, please contact us first so we can address your concerns. You also have the right to lodge a complaint with the relevant supervisory authority.

For clients in Malawi, this may include the Reserve Bank of Malawi, which regulates our business as an accredited insurance broker.

12. Contact Us

Blantyre (Head Office)

Delamere House, First Floor, Northwing
Private Bag 154, BLANTYRE
Tel: +265 882 123 334
Email: privacy@kingfishermw

Lilongwe

Upland House, Upper Floor
along Kamuzu Procession Road
Private Bag 143, LILONGWE
Tel: +265 886 612 313

Mzuzu

Kentam Mall, Upper Floor, Northwing
New City Centre
P.O. Box 1053, MZUZU
Tel: +265 888 585 017

© 2025 Kingfisher Insurance Brokers & Consultants Ltd. All rights reserved.

Registered in Malawi No. 4941 | TPIN: 20149672 | Tax Clearance: MRA/LTO/024779