Marina Medical HMO – Privacy Policy

Effective as of: 1/1/2017

Marina Medical Services Limited (“Marina Medical HMO”, “we”, “our”, or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website marinamedicalhmo.ng and our mobile application Marina Medical HMO App.

By accessing the website or using our mobile app, you agree to the terms described in this Privacy Policy.

1. Information We Collect

We may collect and process the following categories of personal information:

1.1 Personal Identification Information

• Full name
• Phone number
• Email address
• Home/office address
• Date of birth
• Gender

1.2 Health-Related Information

Used strictly for HMO service delivery:

• Enrollee ID
• Medical records shared by you or your healthcare provider
• Benefit plan details
• Claims and authorization history

(We do not collect any health data without your permission.)

1.3 Technical & Device Information

• IP address
• Browser type
• Device model
• Operating system
• App usage statistics
• Cookies and tracking technologies

1.4 Location Data (Optional)

• Only when you enable app location permissions
• Used for locating nearby hospitals or service centres

2. How We Use Your Information

• Process your HMO registration and enrollee profile
• Verify your identity
• Provide medical insurance services
• Handle claims, approvals, and hospital visits
• Improve our mobile app and website performance
• Communicate updates and reminders
• Enhance security and fraud prevention
• Comply with legal and regulatory requirements

3. Sharing of Information

3.1 Accredited Healthcare Providers

We may share your information with accredited healthcare providers to confirm eligibility and verify claims.

3.2 Third-Party Service Providers

We may share your information with:

• Cloud hosting providers
• SMS/email notification providers

3.3 Regulatory Authorities

We disclose information when required by law.

3.4 No Selling of Personal Data

We do not sell or trade personal data.

4. Data Protection & Security

• SSL/HTTPS encryption
• Secure servers and firewalls
• Restricted access controls
• Routine security audits

5. Data Retention

• As long as your HMO plan is active
• As required by Nigerian law
• For audit and compliance

6. Your Rights

• Request access
• Update or correct information
• Request deletion (when permissible)
• Withdraw consent

Email: info@marinamedicalhmo.ng
Phone: +234 814 481 4021

7. Cookies & Tracking Technologies

We use cookies for improved user experience and analytics.

8. Children's Privacy

We do not knowingly collect information from children without parental consent.

9. Third-Party Links

External websites are not covered by this policy.

10. Updates to This Policy

We update this policy periodically.

11. Contact Us

Marina Medical Services Limited (Marina Medical HMO)
Address: 5 Abeo Street, Western Avenue, Surulere, Lagos
Email: info@marinamedicalhmo.ng
Phone: +234 814 481 4021