Privacy Policy

1) Who we are

Claims-GH is a brand of APL Consult Ltd (“we”, “us”, “our”), licensed and regulated by the National Insurance Commission of Ghana. We are a data controller for personal data processed in connection with our claims assistance services.

Registered office: (Insert address). Email: info@aplconsult.com.gh Phone: (+233) 0302 567 8900

2) Personal data we collect

We collect only what we need to support your claim and communicate with you:

• Identity & Contact: title, name, phone, email, address.
• Claim Details: claim type (e.g., motor, property, flooding, workplace injury, commercial), insurer name, policy number, incident date/location, repudiation/decline notices.
• Evidence: photos/videos, documents (e.g., police or incident reports, repair estimates, invoices, medical or legal reports where relevant).
• Technical: basic analytics, device/browser info, cookies (see Cookies below).
• Sensitive data: only where strictly necessary (e.g., health information for injury-related claims) and handled with enhanced protections under Act 843.

3) How we use your data

• To receive, triage and manage your claim from day one; to liaise with your insurer and relevant partners.
• To arrange support (e.g., medical/repair/legal coordination), provide updates, and set timelines.
• To comply with legal/regulatory requirements and to prevent fraud/abuse.
• To improve our services (aggregated insights, service quality), never for unrelated marketing without your consent.

4) Lawful basis under Act 843

We process personal data on one or more of the following grounds:

• Consent: where you give us permission (e.g., via our web form).
• Performance of a contract / pre-contract steps: to help you pursue and manage your claim.
• Legal obligation: to meet requirements under Ghanaian law and regulatory guidance.
• Legitimate interests: to provide and improve claims assistance, investigate and prevent fraud, and ensure service security—balanced against your rights.
• Vital interests: in rare, urgent situations involving risk to life/health.

5) Sharing your data

We share data strictly on a need-to-know basis for the purposes above:

• Insurers & Reinsurers and, where necessary, their appointed experts to validate and settle claims.
• Service partners such as medical, legal, repair and emergency providers engaged in your claim.
• Regulators & authorities (e.g., NIC, law enforcement) where required by law.
• IT vendors who host or support our systems, under contract and confidentiality obligations.

We do not sell your personal data to marketers.

6) Security

We apply appropriate technical and organisational measures, including access controls, encryption at rest/in transit where applicable, secure hosting, staff training, and vendor due diligence. While no system is absolute, we actively monitor and improve our controls to protect your information.

7) Data retention

We keep personal data only as long as necessary for claims handling, legal/regulatory obligations, and dispute resolution. After that, we securely delete or anonymise your data. If you ask us to delete your data, we will do so unless we must keep it to meet legal or regulatory obligations.

8) Your rights (Act 843)

Under Ghana’s Data Protection Act, you have rights to:

• Access the personal data we hold about you.
• Rectify inaccurate or incomplete data.
• Delete your data in appropriate circumstances.
• Object to processing based on legitimate interests and to withdraw consent at any time.
• Restrict certain processing while a request is investigated.
• Portability (where applicable) to receive your data in a structured, commonly used format.
• Complain to the Data Protection Commission (DPC) if you believe your rights are infringed.

To exercise your rights, see Contact & complaints below. We will respond within time limits set by Act 843.

9) Cross-border transfers

Where data is transferred outside Ghana (for example, to cloud providers or reinsurers), we ensure appropriate safeguards consistent with Act 843, including contractual protections and security measures.

10) Cookies & analytics

We use essential cookies for site operation and may use basic analytics to understand usage. You can manage cookies via your browser settings. If we adopt additional analytics or advertising cookies in future, we will update this policy and (where required) request your consent.

11) Children’s data

Our services are intended for adults. We do not knowingly collect personal data of children without appropriate consent and safeguards. If you believe a child has provided us data without consent, please contact us and we will act promptly.

12) Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be highlighted on this page with a new “Last updated” date.

13) Contact & complaints

Data Controller: APL Consult Ltd (Claims-GH) — (Insert address).
Email: privacy@aplconsult.com.gh   |   Phone: (+233) 0302 567 8900

If we cannot resolve your concern, you may contact the Data Protection Commission (DPC) of Ghana to raise a complaint.

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