Privacy Notice

What is this Privacy Notice for?

Consolidated Hallmark Insurance Plc (“The Company”, “We”) values your Personal Data and we are committed to protecting your privacy whenever you interact with us. Please read this Privacy Notice (Notice) to understand our policies, processes and procedures regarding the processing of your personal data.

By this Notice, We explain to you how your Personal Data is collected, used, managed and transferred by CHI and also explains how you can update your Personal Data with us and exercise your rights in respect of the Personal Data provided to us.

The Personal Data that We Collect

We collect Personal Data that you give to us, for example, where you create an account with us, report a claim, request for further information about our product, fill a form, apply for a job through our website or you subscribe to newsletters on our website.

We may also automatically collect some technical information when you visit our website such as your IP address, and information about your visit, such as the pages that you viewed. This information helps us understand customer interests and helps us improve our website. When you visit our site, the pages that you look at, and a short text file called a cookie, are downloaded to your computer. By visiting and using our website, you agree to our use of cookies in line with CHI’s policies. For more details about Cookies, please read our Cookies Policy available through this link.

What Purpose do We use your Personal Data?

We may process your Personal Data to communicate with you (including sending marketing or promotional materials to you), provide you with further information about our products and how we can serve you better, respond to your purchase orders or requests, process your application for employment with CHI or to fulfil our contractual obligations with you.  We may also process your Personal Data to comply with provisions of applicable laws.

What Constitutes your Consent?

Where processing of Personal Data is based on consent, We shall obtain the requisite consent at the time of collection of the Personal Data. In this regard, you consent to the processing of your Personal Data when you access our platforms, or use our services, content, features, technologies or functions offered on our website or other digital platforms. You can withdraw your consent at any time but such withdrawal will not affect the lawfulness of processing based on consent given before its withdrawal.

Who do we share your Personal Data with?

We respect your privacy and we limit disclosure of your Personal Data to third parties. We do not sell, give or trade any Personal Data that We obtain from you to any third party for data-mining or marketing purposes. However, We may share your Personal Data within or outside Nigeria to companies related to CHI, service providers engaged by us to provide services to CHI subject to appropriate data security and protection. We may also share your information where there is a regulatory or statutory obligation to disclose such Personal Data in accordance with provisions of applicable laws.

Security and Retention of your Personal Data

Your Personal Data is kept private and We make every effort to keep your Personal Data secure, including restricting access to your Personal Data with us on a need to know basis. We require our staff and any third parties who carry out any work on our behalf to comply with appropriate security standards to protect your Personal Data.

We take appropriate measures to ensure that your Personal Data is only processed for the minimum period necessary in line with the purposes set out in this Notice or as required by applicable laws, until a time it is no longer required or has no use. Once your Personal Data is no longer required, We destroy it in a safe and secure manner.

Your Rights

CHI collects Personal Data only for the purposes identified in this Policy and such information cannot be reused for another purpose that is incompatible with the original purpose.

You can exercise the following rights with respect to your Personal Data with CHI:

  1. request for and access your Personal Data collected and stored by CHI;
  2. withdraw consent at any time. For example, you can withdraw your consent to receipt of our marketing or promotional materials or unsubscribe to our newsletters;
  3. object to automated decision making;
  4. request rectification and modification of Personal Data kept by CHI;
  5. request for deletion of your Personal Data;
  6. be informed of and entitled to provide consent prior to the processing of Personal Data for purposes other than that for which the Personal Data were collected;
  7. request that CHI restricts processing of your Personal Data; and
  8. request for information regarding any specific processing of your personal data.

If you wish to exercise any of these rights, you may contact our Data Protection Officer (DPO) using the contact details provided below. You also have the right to complain to the National Information Technology Development Agency (NITDA) if you believe that we have violated your privacy rights.

Changes to our Privacy Notice

Due to constant changes in technology and regulatory requirements, we may need to change our privacy policies or update this Notice from time to time. You will always be able to find the most recent version of our updated privacy policy on this site.

Contact & Communication 

If you would like further information on this Notice, or to contact our DPO, you may contact us at Consolidated Hallmark Insurance, 266 Ikorodu Road, Obanikoro, Lagos., Nigeria or at

General Information

Title CHI Privacy Notice
Status Mandatory
Issuing Department Legal and Compliance Department
Distribution/Target Audience All employees, including contracted staff of CHI, customers, vendors/suppliers and the general public
Approver Management of Consolidated Hallmark Insurance Plc
Effective Date July 2020
Version 1.0


Version Control

Version Last Updated Reason for Amendment


Cookies Policy

This Cookies Policy (Policy) explains how we use cookies and the choices you have. Except as otherwise stated in this Policy, our Privacy Policy will apply to our processing of data that we collect via cookies. You can access our Privacy Policy via this link.

By using our website (by clicking, navigating or scrolling), you are consenting to our use of cookies in accordance with this Policy. If you do not agree to our use of cookies, you can prevent the installation of cookies through the settings of your browser or not use our website at all. However, if you disable the use of cookies, this might cause some parts of this website not to function properly for you and it may impact your user experience on this site.

What are Cookies?

Cookies are messages or small files that are placed on your web browser when you visit an internet site. Cookies are useful and do a lot of different things, including allowing a website to recognize a user’s device, improving online experience etc.

How and Why do we Use Cookies?

We use cookies when you access our websites and our online products and services to make the site work better and to help us understand how you use our site.

Cookies enable us to offer tailored products and to understand the information we receive about you, including information about your use of other websites and apps, whether or not you have an account with us.

Cookies help us provide, protect and improve our products and services, by personalizing, tailoring and measuring the services and products we provide for satisfactory and safe experience. We also use them to help authentication of user, assess performance and functionality of our online products and services, and analytical research.


Data Protection Policy


This document is a property of Consolidated Hallmark Insurance Plc and shall under no circumstances, be copied, sold, or reproduced for private or commercial use without the express permission of the Company.



  3. SCOPE





Automated Decision-Making” means when a decision is made which is based solely on automated Processing (including Profiling) which produces legal effects or significantly affects an individual.;

“Consent” means any freely given, specific, informed and unambiguous indication of the Data Subject’s wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the Processing of Personal Data relating to him or her;

“Data Controller” means a person who either alone, jointly with other persons or in common with other persons or as a statutory body determines the purposes for and the manner in which Personal Data is processed or is to be processed;

“Data Subject” means an identifiable person; one who can be identified directly or indirectly, in particular by reference to an identification number or to one or more factors specific to his or her physical, physiological, mental, economic, cultural or social identity;

“Data Protection Impact Assessment or DPIA” means tools and assessments used to identify and reduce risks of a data Processing activity. DPIA can be carried out as part of Privacy by Design and should be conducted for all major system or business change programs involving the Processing of Personal Data;

“Data Protection Laws” means the NDPR, the GDPR (where applicable to processing carried out by the CHI Plc) and any relevant data protection laws;

“Data Protection Officer (‘‘DPO’’)” means the person appointed as such under the Data Protection Laws and in accordance with its requirements. A DPO is responsible for advising CHI (including its employees) on their obligations under Data Protection Laws, for monitoring compliance with Data Protection Laws, as well as with the Company’s polices and providing advice;

“GDPR” means the EU General Data Protection Rules 2016/679;

“NDPR” means Nigeria Data Protection Regulation 2019;

“NITDA” means National Information Technology Development Agency;

“Personal Data” means any information relating to an identified or identifiable natural person (‘Data Subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person. It can be anything from a name, address, a photo, an email address, bank details, posts on social networking websites, medical information, and other unique identifier such as but not limited to Media Access Control (MAC) address, Internet Protocol (IP) address, International Mobile Equipment Identity (IMEI) number, International Mobile Subscriber Identity (IMSI) number, Subscriber Identification Module (SIM) and others;

“Personal Data Breach” means a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, Personal Data transmitted, stored or otherwise processed;

“Policy” means this Data Protection Policy;

“Privacy by Design and Default” means implementing appropriate technical and organisational measures in an effective manner to ensure compliance with the NDPR;

“Processing” means any operation or set of operations which is performed on Personal Data or on sets of Personal Data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction;

“Profiling” means any form of automated Processing of Personal Data consisting of the use of Personal Data to evaluate certain personal aspects relating to an individual, in particular to analyse or predict aspects concerning that individual’s performance at work, economic situation, health, personal preferences, interests, reliability, behaviour, location or movements. Profiling is an example of automated Processing;

“Pseudonymisation” means replacing information that directly or indirectly identifies an individual with one or more artificial identifiers or pseudonyms so that the person, to whom the data relates, cannot be identified without the use of additional information which is meant to be kept separately and secure;

“Sensitive Personal Data” means a Data relating to religious or other beliefs, sexual tendencies, health, race, ethnicity, political views trades union membership, criminal records or any other sensitive personal information; and

“Third Party” means any natural or legal person, public authority, establishment or any other body other than the Data Subject, the Data Controller, the Data Administrator and the persons who are engaged by the Data Controller or the Data Administrator to process Personal Data.


2.1 CHI PLC (‘‘CHI’’ or ‘‘the Company’’) takes its responsibilities regarding the management of the requirements of the Data Protection Laws very seriously. This Policy sets out how CHI manages these responsibilities.

2.2 CHI obtains, uses, stores and otherwise processes Personal Data relating to potential employees (applicants) and clients, current employees and clients, former employees and clients, current and former workers, dealers, contractors, consultants, website users and contacts, collectively referred to in this Policy as Data Subjects. When Processing Personal Data, the Company is obliged to fulfil individuals’ reasonable expectations of privacy by complying with the Data Protection Laws.

2.3 This Policy therefore seeks to ensure that CHI:

a. is clear about how Personal Data must be processed and the Company’s expectations for all those who process Personal Data on its behalf;

b. complies with the Data Protection Laws and good practice;

c. protects its reputation by ensuring the Personal Data entrusted to us is processed in accordance with Data Subjects’ rights; and

d. protects itself from risks of Personal Data breaches and other breaches of the Data Protection Laws.


3.1 This Policy applies to all Personal Data the Company processes regardless of the location where that Personal Data is stored (e.g. on an employee’s own device) and regardless of the Data Subject. All employees and others Processing Personal Data on the Company’s behalf must read it. A failure to comply with this Policy will result in disciplinary action.

3.2 Every Staff of CHI is required to read and assimilate the contents of this policy and to abide with it fully. CHI shall have the right to seek redress against any member of staff whose failure to comply with this policy in any manner whatsoever results in damages being sought or awarded, or any legal action instituted against the Company.

3.3 All Heads of Divisions/Departments/Units are responsible for ensuring that all CHI staff within their area of responsibility comply with this Policy and should implement appropriate practices, processes, controls and training to ensure compliance. The Heads of Divisions/Departments/Units will work closely with the Company’s appointed Data Protection Officer (DPO).

3.4 The DPO is responsible for overseeing this Policy. The Company DPO, he/she can be reached at


4.1 When processing Personal Data, the Company shall be guided by the following principles listed below, which are set out in the Data Protection Laws.

4.2 Those principles require Personal Data to be:

a) processed lawfully, fairly, in a transparent manner and with respect for the dignity of the human person.

b) collected only for specified, explicit and legitimate purposes and not further processed in a manner incompatible with those purposes.

c) adequate, relevant and limited to what is necessary in relation to the purposes for which it is Processed.

d) accurate and where necessary kept up to date.

e) removed or not kept in a form which permits identification of Data Subjects for longer than is necessary for the purposes for which the Personal Data is processed.

f) processed in a manner that ensures its security, using appropriate technical and organisational measures to protect against unauthorised or unlawful Processing and against accidental loss, destruction or damage.


5.1 The Company and its representative should only obtain a Data Subject’s Consent if there is no other legal basis for the Processing. Consent requires genuine choice and genuine control.

5.2 A Data Subject consents to processing of his or her Personal Data if he or she clearly indicates agreement either by a statement or positive action to the Processing. Silence, pre-ticked boxes or inactivity do not mean consent. Consent must be specifically and expressly given. If Consent is given in a document that deals with other matters, such Consent must be separate and distinct from those other matters.

5.3 Consent in respect of Sensitive Personal Data must be explicit. A tick of the box would not suffice

5.4 Prior to giving Consent, the Data Subject shall be informed of his or her right and the ease to withdraw his or her Consent at any time. Withdrawal of Consent must be promptly honoured. In this instance, all further processing based on the withdrawn Consent (including processing by third parties on behalf of CHI) must cease immediately.

5.5 Consent may need to be renewed when processing Personal Data for a different and incompatible purpose which was not disclosed when the Data Subject first consented, or if the Consent is historic.

5.6 The Company shall ensure that both physical and electronic records of all Consent obtained are kept so that it can demonstrate compliance.

5.7 Hard copies of consent would be filed by the respective staff and process owner of the transaction requiring the consent and the electronic copies should be scanned into relevant files or any subsequent document management software utilized by CHI.

5.8 No Consent shall be sought, given or accepted in any circumstance that may engender direct or indirect propagation of atrocities, hate, child rights violation, criminal acts and anti-social conducts.

5.9 The Consent of minors (under the age of 18) will always be obtained from minor’s representatives in accordance with applicable regulatory requirements.


6.1 CHI collects the following information amongst others:

  • Name of Individual/Company
  • Phone Number
  • E-mail Address
  • Contact Address
  • Mailing Address
  • Occupation
  • Date of Birth
  • Nationality
  • Directors, Company Secretary, and other Corporate Affairs Commission’s (CAC) related Documents
  • Licenses
  • Next of Kin Details
  • Relationship to Next of Kin
  • Signatures
  • Passport Photograph
  • Means of
  • Birth certificates
  • Vehicle particulars
  • BVN
  • PFA details /RSA Account number,
  • Vendor/supplier registration details,
  • Bank account details
  • Bank Statement
  • Marital Status
  • Religion
  • Employee’s spouse and children details

6.2 CHI collects the above-mentioned information through various forms, such as hard copy form, phone calls and electronic medium (e.g. email).

6.3 CHI collects the above-mentioned information for the fulfilment of her business operations and services to staff and customers.

6.4 Prior to collecting Personal Data from the Data Subject, CHI shall provide the
Data Subject with its Privacy Notice, which shall, amongst others, contain the following information:

a. identity and contact details of CHI;

b. the contact details of the DPO;

c. the purpose of the Processing for which the Personal Data is intended, as well as the legal basis for the Processing;

d. the legitimate interests pursued by the Company or by any Third Party who has access to the Personal Data;

e. the recipients or categories of recipients of the Personal Data (if any);

f. where applicable, the fact that CHI intends to transfer Personal Data to a recipient in a foreign country and the existence or absence of an adequacy decision by NITDA;

g. the period for which the Personal Data will be stored, or if that is not possible, the criteria used to determine that period;

h. the existence of the right to request from CHI, access to and rectification or erasure of Personal Data or restriction of Processing concerning the Data Subject or to object to Processing as well as the right to data portability;

i. the existence of the right to withdraw Consent at any time, without affecting the lawfulness of Processing based on Consent before its withdrawal;

j. the right to lodge a complaint with NITDA or any other relevant authority;

k. whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract, as well as whether the Data Subject is obliged to provide the Personal Data and of the possible consequences of failure to provide such data;

l. the existence of Automated Decision-Making, including Profiling and, at least, in those cases, meaningful information about the logic involved, as well as the significance and the envisaged consequence of such Processing for the Data Subject; and

m. where CHI intends to further process the Personal Data for a purpose other than that for which the Personal Data is collected, CHI shall provide the Data Subject prior to that further Processing, with information on that other purpose and with any relevant information.

6.5 The Company or its representatives must check the accuracy of any Personal Data at the point of collection and at regular intervals thereafter. All reasonable steps must be taken to destroy or amend inaccurate records without delay and out-of-date Personal Data should be updated where necessary (e.g. where it is not simply a pure historical record).

6.6 Personal data must be accurate and, where necessary, kept up to date.

6.7 The Company shall ensure that Personal Data is recorded in the line of business application and also scanned into GIBS and/or CRM or whatever data content management solution present correct files.

6.8 Incomplete records can lead to inaccurate conclusions being drawn and in particular, where there is such a risk, the Company should ensure that relevant records are completed.


Ascertain that the processing of the data is lawful.

Processing shall be lawful if at least one of the following applies:

a. the Data Subject has given Consent to the Processing of his or her Personal Data for one or more specific purposes;

b. Processing is necessary for the performance of a contract to which the Data Subject is party or in order to take steps at the request of the Data Subject prior to entering into a contract;

c. Processing is necessary for compliance with a legal obligation to which the Controller is subject;

d. Processing is necessary in order to protect the vital interests of the Data Subject or of another natural person; and

e. Processing is necessary for the performance of a task carried out in the public interest or in the exercise of official public mandate vested in the controller.


Data Subjects have rights in relation to the way CHI handles their Personal Data. These include the following rights:

1. where the legal basis of our Processing is Consent, to withdraw that Consent at any time;

2. to ask for access to the Personal Data that CHI holds (see below);

3. to prevent our use of the Personal Data for direct marketing purposes;

4. to object to our Processing of Personal Data in limited circumstances; and

5. to ask us to erase Personal Data without delay:

a. if it is no longer necessary in relation to the purposes for which it was collected or otherwise processed;

b. if the only legal basis of Processing is Consent and that Consent has been withdrawn and there is no other legal basis on which CHI can process that Personal Data;

c. if the Data Subject objects to our Processing where the legal basis is the pursuit of a legitimate interest or the public interest and CHI can show no overriding legitimate grounds or interest; and

d. if the Processing is unlawful.

6. to ask us to rectify inaccurate data or to complete incomplete data;

7. to restrict Processing in specific circumstances e.g. where there is a complaint about accuracy;

8. to ask us for a copy of the safeguards under which Personal Data is transferred outside of Nigeria;

9. the right not to be subject to decisions based solely on automated Processing, including Profiling, except where necessary for entering into, or performing, a contract, with the Company; it is based on the Data Subject’s explicit Consent and is subject to safeguards; or is authorised by law and is also subject to safeguards;

10. to prevent Processing that is likely to cause damage or distress to the Data Subject or anyone else;

11. to data portability;

12. to be notified of a Personal Data Breach which is likely to result in high risk to their rights and freedoms;

13. to make a complaint to NITDA or any other regulatory body; and

14. in limited circumstances, receive or ask for their Personal Data to be transferred to a Third Party (e.g. another company which the client has dealing with) in a structured, commonly used and machine-readable format.

CHI’s well-defined procedure regarding how to handle and answer Data Subject’s requests are contained in CHI’s Data Subject Access Request Policy.

Data Subjects can exercise any of their rights by completing the CHI’s Data Subject Access Request (DSAR) Form and submitting to the company via The DSAR Form is available at or the Company’s intranet at


9.1 CHI shall take appropriate measures to provide any information relating to Processing to the Data Subject in a concise, transparent, intelligible and easily accessible form, using clear and plain language, in particular, for any information addressed specifically to a child.

9.2 The information may be provided orally or in writing, or by other means, including where appropriate, by electronic means.

9.3 The identity of an individual requesting data must be verified. Where there is reasonable doubt concerning the identity of the person making the request for information, a request for the provision of additional information necessary to confirm the identity of the Data Subject may made.

9.4 Any Data Subject Access Request received must immediately be forwarded to the Data Protection team/Committee at

9.5 Requests (including for Data Subject access) must be complied with, usually within one month of receipt.

9.6 The entitlement is not to documents per se (which may however be accessible by means of the Freedom of Information Act 2011, subject to any exemptions and the public interest), but to such Personal Data as is contained in the document or database.

9.7 Information provided to the Data Subject and any communication and any action taken shall be provided free of charge. Where the Data Subject’s request is manifestly unfounded or excessive, in particular because of their repetitive character, CHI may either:

a. charge a reasonable fee taking into account the administrative costs of providing the information or communicating or taking the action requested; or

b. write a letter to the Data Subject stating refusal to act on the request and copy NITDA on every such occasion.

9.8 On no account shall the Company disclose Personal Data to third parties without proper authorisation. For example, clients’ spouses do not have an automatic right to gain access to their spouse’s data. Parents of Data Subjects do not have an automatic right to gain access to their child’s data.

9.9 Personal data of Data Subjects may be disclosed to third parties in line with laid down policies and procedures of CHI and standards of regulatory authorities and regulations. CHI may share Personal Data with third parties and/or third-party service providers that complete transactions or perform services on behalf or for the benefit of the data subjects, in respect of:

a. Registration of staff with Pension fund administrators b. Registration of staff with HMO providers c. Registration of staff in compliance with any government agency requirement d. Registration of staff with financial reporting council as may be required e. Registration of the company with relevant government entities and corporate entities f. Creation of data with respect to product development g. Registration/maintenance of dealers, suppliers, customers and vendors details h. other services which may require the processing of third-party information

9.10 Once a request is made, Personal Data shall not be altered, concealed, blocked or destroyed. The Data Protection team/ Committee should be contacted before any changes are made to Personal Data which is the subject of an access request.


10.1 CHI must implement appropriate technical and organisational measures in an effective manner to ensure compliance with the personal data protection principles.

The Company is responsible for, and must be able to demonstrate compliance with, the personal data protection principles above.

10.2 CHI must, therefore, apply adequate resources and controls to ensure and to document the Data Protection Laws compliance including:

10.2.1 appointing a suitably qualified DPO;

10.2.2 implementing Privacy by Design when Processing Personal Data and completing a Data Protection Impact Assessment (DPIA) where Processing presents a high risk to the privacy of Data Subjects;

10.2.3 Integrating data protection into our policies and procedures, in the way Personal Data is handled by us and by producing required documentation such as privacy notices, records of Processing and records of Personal Data Breaches;

10.2.4 training employees and management on compliance with Data Protection Laws and keeping a record accordingly; and

10.2.5 Regularly testing the privacy measures implemented and conducting periodic reviews and audits to assess compliance, including using results of testing to demonstrate compliance improvement effort.


11.1 CHI is required to implement and maintain appropriate safeguards to protect Personal Data, taking into account in particular the risks to Data Subjects presented by unauthorised or unlawful Processing or accidental loss, destruction of, or damage to their Personal Data.

11.2 Safeguarding will include the use of encryption and Pseudonymisation where appropriate. It also includes protecting the confidentiality (i.e. that only those who need to know and are authorised to use Personal Data have access to it), integrity and availability of the Personal Data. The Company will regularly evaluate and test the effectiveness of those safeguards to ensure security of our Processing of Personal Data.

11.3 The Company is also responsible for protecting the Personal Data processed in the course of its operation. Personal Data must be handled in a way that guards against accidental loss or disclosure or other unintended or unlawful Processing and in a way that maintains its confidentiality. Particular care must be exercised in protecting Sensitive Personal Data from loss and unauthorised access, use or disclosure.

11.4 All procedures and technologies put in place by the Company must be complied with to maintain the security of all Personal Data from the point of collection to the point of destruction.

11.5 Compliance with all applicable aspects of this Policy is mandatory. Therefore, all attempts shall be made to comply with and not circumvent the administrative, physical and technical safeguards the Company implements and maintains in accordance with the Data Protection Laws Standards to protect Personal Data.


The DPO is responsible for:

a. advising CHI and its staff of its obligations under the Data Protection Laws;

b. monitoring compliance with this Policy and Data Protection Laws,

c. the Company’s policies with respect to data protection and monitoring, training and audit activities that relate to compliance with the Data Protection Laws;

d. providing advice where requested on data protection impact assessments;

e. coordinating the Company’s activities in the event of a data breach incident;

f. supervising internal data processing and updating Records of Processing Activities (ROPA);

g. dealing with requests, complaints and enquiries from Data Subject and law enforcement agencies;

h. to act as the liaison or contact person between CHI and the Company’s appointed Data Protection Compliance Organization (DPCO)

i. to cooperate with and act as the contact point between CHI and NITDA; and

j. the DPO shall in the performance of his or her tasks have due regard to the risk associated with Processing operations, taking into account the nature, scope, context and purposes of Processing.

The DPO shall be a person knowledgeable on data privacy and protection related matters and shall report directly to the Company’s Managing Director (or such other person as the Managing Director may designate). The DPO shall be a member of the management team of the Company, not less than the position of Senior Manager.


13.1 Employees who process Personal Data about employees, clients, applicants, alumni or any other individual must comply with the requirements of this Policy. Employees must ensure that:

a. all Personal Data is kept securely;

b. no Personal Data is disclosed either verbally or in writing, accidentally or otherwise, to any unauthorised Third Party;

c. Personal Data is kept in accordance with this Policy;

d. any queries regarding data protection, including subject access requests and complaints, are promptly directed to the DPO and the Data Protection team/ Committee.

e. any data protection breaches are swiftly brought to the attention of the Data Protection team/ Committee and the DPO and that they support the Data Protection team/ Committee in resolving breaches; and

f. where there is uncertainty around a data protection matter advice is sought from the Data Protection team/ Committee and the DPO.

13.2 Where employees are responsible for ad-hoc staff or short-term staff or volunteers or contractors or interns or any person by whatever name called, doing work which involves the Processing of personal information, they must ensure that such person should have knowledge of the data protection principles.

13.3 Employees who are unsure about who are the authorized third parties to whom they can legitimately Disclose Personal Data should seek advice from the Data Protection team/ Committee or the DPO.

13.4 All staff and authorised representatives of the Company may only process Personal Data when performing their job duties requires it and shall not process Personal Data for any reason unrelated to their job duties.


14.1 Data Processing by a Third Party shall be governed by a written contract between the Third Party and the Company.

14.2 Where external companies are used to process Personal Data on behalf of CHI, responsibility for the security and appropriate use of that data remains with the Company.

14.3 Where a Third-Party data processor is used:

a. the Third-Party data processor shall be chosen by CHI and the data processor must provide sufficient guarantees about its security measures to protect the Processing of Personal Data.

b. reasonable steps must be taken by the DPO to ensure that such security measures are in place.

c. a written contract establishing what Personal Data will be processed and for what purpose, provided by the Data Protection team, must be entered into by both parties i.e. the Third-Party data processor and the Company.

14.4 CHI shall ensure that the Third-Party data processor does not have a record of violating the principles of data Processing and that the Third Party is accountable to NITDA or a reputable regulatory authority for data protection within or outside Nigeria.

14.5 Personal Data may be transferred to only Third-Party Service Providers (i.e. data processors) approved by the Company that provide sufficient guarantees to implement appropriate technical and organisational measures to comply with Data Protection Laws and who agree to act only on the Company’s instructions.

14.6 For further guidance about the use of Third-Party data processors please contact Data Protection team/ Committee.


15.1 CHI is responsible for the use made of Personal Data by anyone working on its behalf. Managers who employ contractors or short term or voluntary staff must ensure that they are appropriately vetted for the data they will be processing. In addition, managers should ensure that:

a. any Personal Data collected or processed in the course of work undertaken for CHI is kept securely and confidentially.

b. All Personal Data is returned to CHI on the completion of the work, including any copies that may have been made. Alternatively, the data is securely destroyed, and CHI receives notification in this regard from the contractor or short term / voluntary staff.

c. CHI receives prior notification of any disclosure of Personal Data to any other organization or any person who is not a direct employee of the contractor.

d. any Personal Data made available by CHI, or collected in the course of the work, is neither stored nor processed outside Nigeria unless written Consent to do so has been received from CHI.

e. All practical and reasonable steps are taken to ensure that contractors, short term or voluntary staff do not have access to any Personal Data beyond what is essential for the work to be carried out properly.

Clients and Users are responsible for:
a. familiarizing themselves with the privacy policy provided when their relationship with CHI commences.

b. ensuring that their Personal Data provided to CHI is accurate and up to date.


17.1 All Personal Data Breach must be reported. Where the Personal Data Breach results in a high risk to the Data Subject, he/she also has to be notified unless subsequent steps have been taken to ensure that the risk is unlikely to materialise, security measures were applied to render the Personal Data unintelligible (e.g. encryption) or it would amount to disproportionate effort to inform the Data Subject directly. In the latter circumstances, a public communication must be made, or an equally effective alternative measure must be adopted to inform Data Subjects, so that they themselves can take any remedial action.

17.2 The Company has put in place procedures to deal with any suspected Personal Data Breach and will notify Data Subjects or the relevant regulator where the Company is legally required to do so. All suspected breach of Personal Data should be reported to the DPO within 48 (forty-eight) hours of the occurrence of such breach. The DPO is required, after consultation with relevant stakeholders within the Company, to report such occurrence to NITDA within 72 (seventy-two) hours of becoming aware of such breach.

17.3 Upon knowledge or suspicion of a Personal Data Breach, same shall be
immediately reported to the Data Protection team/ Committee at All evidence relating to Personal Data Breaches must be retained to enable CHI to maintain a record of such breaches, as required by the Data Protection Laws. All incidence of data breach or threatened data breach must be handled in line with the Company’s Data Breach Management Procedure available on the Company’s intranet.

17.4 Records of Personal Data Breaches must be kept by each employee or staff who observes or has reason to believe that a Data Breach has occurred. The record must set out:

a. the facts surrounding the breach; b. its effects; and c. the remedial action taken.


18.1 Where it is intended that Personal Data shall be transferred to a foreign country or to an international organisation for processing, transfer or a set of transfers of Personal Data to a foreign country or an international organisation shall take place only on one of the following conditions:

a. the Data Subject has explicitly Consented to the proposed transfer, after having been informed of the possible risks of such transfers for the Data Subject due to the absence of an adequacy decision and appropriate safeguards and that there are no alternatives.

b. the transfer is necessary for the performance of a contract between the Data Subject and CHI or the implementation of pre-contractual measures taken at the Data Subject’s request.

c. the transfer is necessary for the conclusion or performance of a contract concluded in the interest of the Data Subject between CHI and another natural or legal person.

d. the transfer is necessary for important reasons of public interest.

e. the transfer is necessary for the establishment, exercise or defence of legal claims.

f. the transfer is necessary in order to protect the vital interests of the Data Subject or of other persons, where the Data Subject is physically or legally incapable of giving Consent.

18.4 Provided, in all circumstances above, that the Data Subject shall be manifestly made to understand through clear warnings of the specific principle(s) of data protection that are likely to be violated in the event of transfer to a third country, except where the Data Subject is answerable in duly established legal action for any civil or criminal claim in a third country.


19.1 The Company is required to keep full and accurate records of all its data Processing activities and must keep and maintain accurate corporate records reflecting its Processing, including records of Data Subjects’ Consents and procedures for obtaining Consents, where Consent is the legal basis of Processing.

19.2 These records should include, at a minimum, the name and contact details of CHI as the Data Controller and particulars of the DPO, clear descriptions of the Personal Data types, Data Subject types, Processing activities, Processing purposes, Third Party recipients of the Personal Data, Personal Data storage locations, Personal Data transfers, the Personal Data’s retention period and a description of the security measures in place.

19.3 When Personal Data is no longer needed for specified purposes, it shall be deleted or erased in accordance with this Policy. Please refer to the Company’s Data Retention Policy and Schedule available at or more information.

19.4 Where a Data Subject has required his or her Personal Data to be rectified or erased, you should inform recipients of that Personal Data that it has been erased/rectified, unless it is impossible or significantly onerous to do so. All reasonable steps shall be taken to destroy or erase from the Company’s systems all Personal Data that the Company no longer requires in accordance with this Policy or any other applicable records retention policies.


20.1 The Company is required to ensure that all CHI employees undergo adequate training to enable them to comply with Data Protection Laws. The Company must also regularly test its systems and processes to assess compliance.

20.2 CHI employees must undergo all mandatory data privacy related training. Contact the DPO on for detailed information about the training available.

20.3 CHI employees must regularly review all the systems and processes under their control to ensure they comply with this Policy.


21.1 The Company is required to implement privacy-by-design measures when Processing Personal Data, by implementing appropriate technical and organisational measures (like Pseudonymisation) in an effective manner, to ensure compliance with data-protection principles. CHI must ensure therefore that by default only Personal Data which is necessary for each specific purpose is processed. The obligation applies to the volume of Personal Data collected, the extent of the Processing, the period of storage and the accessibility of the Personal Data. In particular, by default, Personal Data should not be available to an indefinite number of persons. Strict adherence to these measures is mandatory.

21.2 Staff should ensure that data-handling practices are done in a manner that will minimise unwarranted intrusions in privacy e.g. by only disseminating Personal Data to those who need to receive it to discharge their duties.

21.3 CHI must also conduct DPIAs in respect of high-risk Processing before that Processing is undertaken. Please refer to the Company’s DPIA Policy available on the Company’s intranet at for more information on how to conduct DPIA.

21.4 DPIA shall be conducted in line with the Company’s DPIA Policy (and findings discussed with the DPO) in the following circumstances:

a. the use of new technologies (programs, systems or processes), or changing technologies (programs, systems or processes).

b. automated Processing including profiling.

c. large scale Processing of sensitive (special category) data; and

d. large scale, systematic monitoring of a publicly accessible area.

21.5 A DPIA must include:

a. a description of the Processing, its purposes and the Company’s legitimate interests if appropriate.

b. an assessment of the necessity and proportionality of the Processing in relation to its purpose.

c. an assessment of the risk to individuals; and

d. the risk-mitigation measures in place and demonstration of compliance.


22.1 The Company is subject to certain rules and privacy laws when marketing to our clients and potential clients, alumni and any other potential user of our services. The limited exception for existing clients allows organisations to send marketing texts or emails if they have obtained contact details in the course of a sale to the person, they are marketing similar services to, and they gave the person an opportunity to opt out of marketing when first collecting the details and in every subsequent message.

22.2 The right to object to direct marketing must be explicitly offered to the Data Subject in an intelligible manner so that it is clearly distinguishable from other information.

22.3 A Data Subject’s objection to direct marketing must be promptly honoured. If a Data Subject opts out at any time, their details should be suppressed as soon as possible. Suppression involves retaining just enough information to ensure that marketing preferences are respected in the future.


23.1 In the absence of Consent, a legal obligation or other legal basis of Processing, Personal Data should not generally be disclosed to third parties unrelated to the Company.

23.2 Further, without a court order, the law enforcement agencies and their agents have no automatic right of access to records of Personal Data, though voluntary disclosure may be permitted for the purposes of preventing/detecting crime or for apprehending offenders. All request for Personal Data by law enforcement agents shall be referred to the DPO.

23.3 Sharing of Personal Data for research purposes may also be permissible, subject to certain safeguards. For guidance or clarification, please contact the Data Protection team/ Committee on


The Company reserves the right to change this Policy at any time without notice, so please check regularly to obtain the latest copy.

Subject to the final approval of Management, this policy will be reviewed on a bi-annual basis, or as required to ensure compliance with changing regulations or internal policy.


Approved by CHI Plc Management effective from 20th day of January 2021


Signed By:         sign


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