Privacy Policy

Milembe Insurance Company Limited (“Milembe”, “we”, “us” or “our”) is a private company incorporated in Tanzania with incorporation number 34020 and regulated by the Tanzania Insurance Regulatory Authority with licence number IC-2009-0020. Our head office is located at Viva Towers, 2nd Floor, Room No.2, Ali Hassan Mwinyi Road, P.O. Box 14548, Dar es Salaam, Tanzania. You can contact us at info@milembeinsurance.com or by phone at +255 767 149 149.

By using our services (including this website) you agree to the terms of this Privacy Policy.

We may amend this Privacy Policy from time to time by posting an amended version on this page. Your continued use of our services following any amendments constitutes your acceptance of the amended Privacy Policy.

1. Categories of data

We may collect the following categories of personal data:
  • Identification details: Name, date of birth, gender, national ID/passport, TIN, etc.
  • Contact information: Address, phone number, email.
  • Financial details: Bank account information, payment details, credit history, claims history.
  • Insurance-related information: Policy numbers, cover details, claims data, beneficiary details.
  • Technical data: IP address, browser type, cookies, and usage data when you use our website.

2. Ways data may be collected

We collect personal data when you:
  • Apply for or manage an insurance policy with us.
  • Submit a claim.
  • Contact us in person, via phone, email, or website forms.
  • Browse or use our website (cookies, analytics).
  • Provide data through agents, brokers, or third parties acting on your behalf.

3. Purposes for using data

We may use your personal data for:
  • Providing insurance products and services.
  • Processing claims and benefits.
  • Customer service and communication.
  • Legal and regulatory compliance.
  • Fraud detection and security monitoring.
  • Website improvements and analytics.
  • Marketing (with consent).
  • Cross-border transfers for investments and reporting purposes.

4. Disclosure of data

We may share your personal data with:
  • Regulators and authorities such as TIRA, courts, or law enforcement.
  • Service providers (IT, payment processors, claims assessors, auditors).
  • Reinsurers, brokers, and agents involved in delivering insurance services.
  • Other third parties with your explicit consent or as required by law.

5. International data transfers

We may need to transfer, store, or process your personal data in countries outside of Tanzania. This may be necessary for:

  • Regulatory reporting: Submitting information toaffiliatesor foreign regulatory authorities.
  • Investment activities: Managing our investment portfolio with international asset managers.
  • Reinsurance: Processing claims and policies with international reinsurers.
  • Service providers: Using cloud-based IT systems or service providers located abroad.

6. Data retention

We will retain your personal data only for as long as necessary to:
  • Fulfil the purposes described above.
  • Comply with legal, tax, and regulatory obligations.
  • Resolve disputes and enforce agreements.

7. Individual rights

Under Tanzanian law, you have the right to:
  • Access your personal data.
  • In certain circumstances, request correction, restriction or deletion of your personal data.
  • Withdraw consent (where processing is based on consent).
  • Lodge a complaint with the Data Protection Officer (DPO).
To exercise your rights, contact our DPO at dpo@milembeinsurance.com

8. Cookies & tracking

Our website uses cookies and similar technologies to:
  • Improve functionality and user experience.
  • Analyse traffic and website usage.
  • Store user preferences.
You may consent to, manage or disable cookies through your browser settings, though this may affect website functionality.

9. Data security

We take every reasonable step to protect your personal data from unauthorised access, misuse or loss. While no system can guarantee absolute security, we are committed to minimising risks and maintaining strong protections.