EFU Life maintains this website to provide internet users with general information about the Company and its available services. By accessing and browsing the contents of this site, the user understands and accepts that:

• EFU Life makes best possible efforts to ensure that the information available is current and accurate. However, EFU Life cannot guarantee the accuracy of such information, nor can it guarantee that such information is always up to date.
• EFU Life does not accept any liability of any kind for any loss caused by negligence or otherwise. This includes, without limitation, any direct, indirect, punitive or consequential loss that arises from information that it has made available on these pages. It also includes actions, transactions or omissions that result from such losses. If in doubt, users should not act on this information without seeking professional advice.
• Unless otherwise noted, the contents of this site are subject to intellectual property rights which vest in EFU Life and may not be used in web pages, written publications or any other media without the express permission of EFU Life.
• All information about the products and services is subject to change without notice.
• Calculations made on the website are illustrative and serve as a guideline only, and are subject to confirmation by EFU Life. The Company does not guarantee the accuracy or completeness of any calculations.
• EFU Life Assurance Ltd will not exchange, sell or pass on your personal particulars to any other entity outside of the EFU group of companies or their assigns for their use in marketing or solicitation.
• EFU Life’s services are available only in the Islamic Republic of Pakistan, unless specifically stated otherwise.

How is your personal data collected?

We collect your personal data when you voluntarily provide it to us. For example, you may give us: your email address, contact information or mailing address if you create an account or register on our website/mobile-app, signup to receive newsletters, updates or other information from us, enter a competition, promotion or survey and communicate with us (online or offline including via email addresses and phone numbers).

Furthermore, we will automatically collect, store, and use the following categories of data when you browse and search our app or site:

• Your device type and its unique ID
• Your IP addresses
• Operating system
• Pages you viewed
• Page response times
• Page interaction information (such as scrolling, clicks)

How do we use your data?

To register you as a new customer/user.

• To provide you policy premium details, payments and charges.
• To provide you with notices about your policy and/or subscription, including expiration and renewal notices, email-instructions, etc.
• Correspond with you about our products and services and respond to you when you contact us.
• To inform you to utilize a feature of a product or service provided to you.
• To give our promotional offers
• To improve our website/mobile app in order to better serve you.
• To allow us to better service you in responding to your customer service requests.
• To administer a contest, promotion, survey or other app feature.

How can you request erasure of your personal data?

This enables you to ask us to delete or remove your personal data under certain circumstances, for example, if you consider that there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data.

If you have an account with us, you may request closure/deletion of account by sending email to csd@efulife.com

Data Protection Mechanisms

We are committed to ensuring the protection of your sensitive data. To safeguard your personal and health information, we employ a variety of data protection mechanisms, including but not limited to encryption, access control, and other security checks, e.g. data masking, data security, authentication, etc. All sensitive data transmitted to and from our Services is encrypted using industry-standard protocols (e.g., SSL/TLS) to prevent unauthorized access during transmission. Additionally, we implement strict access controls to ensure that only authorized personnel can access sensitive information, and we conduct regular security checks to address potential security risks. We also maintain comprehensive data backup and disaster recovery plans to protect your data. By adhering to these stringent data protection measures, we aim to provide a secure environment for your sensitive information.

Data Deletion Policy

If you have an account with us, you may request closure/deletion of account by sending email to csd@efulife.com.We undertake to perform the deletion within 14 days and we will send you the confirmation once the information has been deleted After your account is closed, you will not be able to sign in to our website/mobile-app or access any of your personal information. However, you can open a new, separate account at any time using a new or previous email address/contact no., but you will not be able to get any historical information associated with your previous account. If you request account deletion, we may still retain certain information associated with your account for analytical purposes and recordkeeping integrity, as well as to prevent fraud, collect any fees owed, enforce our terms and conditions, take actions we deem necessary to protect the integrity of our website/app, merchants or our users, or take other actions otherwise permitted by law. In addition, if certain information has already been provided to third parties as described in this Privacy Policy, retention of that information will be subject to those third parties’ policies.

Third-party Links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our website/mobile-app and welcome any feedback about these sites.

If there are any questions regarding this privacy policy you may contact us using the information below.

Email: csd@efulife.com