Privacy Policy
We at Life Action Plus (LAP HMO) treat the privacy of our visitors with the highest importance. The purpose of this policy is to let you know how we handle the information collected from using this website. Portions of this website may describe privacy practices applicable to specific types of information or to information provided on specific web pages. This policy does not apply to information collected through other means such as by telephone or in person, although that information may be protected by other privacy policies.
Information Collection
Operation of this site may require collection and processing of the following data:
- Visitation details to our site or any resources used on our site which are not limited to location and traffic data, weblogs, or other communication information.
- Data submitted from filled out forms on our site, such as a registration or health plan purchase.
Cookies
LAP HMO may have the occasion to collect information in regard to your computer for our services. The information is gathered in a statistical manner for our use or advertisers on our site.
Data obtained will not identify you personally. It is strictly aggregate statistical data about our visitors and how they used our resources on the site. No identifying personal information will be shared at any time via cookies.
Furthermore, data gathering can be about general online use through a cookie file. When used, cookies are automatically placed in your hard drive where information transferred to your computer can be found. These cookies are designed to help us correct and improve our site’s services or products for you.
You may elect to decline all cookies via your computer. Every computer can decline file downloads like cookies. Your browser has an option to enable the declining of cookies. If you do decline cookie downloads you may be limited to certain areas of our site, as there are parts of our site that require cookies.
Any of our advertisers may also have a use for cookies. We are not responsible, nor do we have control of the cookies downloaded from advertisements. They are downloaded only if you click on the advertisement.
Your Information and How It Is Used
This website may include web pages that give you the opportunity to provide us with personal information about yourself. You do not have to provide us with personal information if you do not want to; however, that may limit your ability to use certain functions of this website or to request certain services or information.
We may use personal information for a number of purposes such as:
- To respond to an email or request from you.
- To personalize the website for you.
- To process an application as requested by you.
- To administer surveys
- To provide you with information that we believe may be useful to you, such as information about health products or services provided by us or other businesses.
- To perform analytics and to improve our products, websites, and advertising.
- To comply with applicable laws, regulations, and legal processes.
- To protect someone’s health, safety, or welfare.
- To protect our rights, the rights of affiliates or related third parties, or take appropriate legal action, such as to enforce our Terms of Use.
- To keep a record of our transactions and communications.
- As otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law. We may use personal information to contact you through any contact information you provide through this website, including any email address, telephone number or mobile phone number.
- We may also share personal information within the Company, and we may combine personal information that you provide us through this website with other information we have received from you, whether online or offline, or from other sources such as from our vendors. For example, if you have purchased a product or service from us, we may combine personal information you provide through this website with information regarding your receipt of the product or service.
Managing Our Risks
- Identifying and investigating illegal and fraudulent activities by Vendors.
- Contacting you, for example in instances where we suspect fraud on your account or when the need arises to tell you about recent occurrences in the HMO sector or some event(s) of significance.
- Conducting and improving our businesses and improving your experience with us
- Reviewing your eligibility on the scheme.
- Complying with our legal obligations and assisting government and law enforcement agencies or regulators/supervisors
- Identifying and informing you about other products or services that we think may be of interest to you.
- Processing your job application if you apply for a job with us.
- We may also collect, use and exchange your information in other ways permitted by law.
Automated Processing
We use automated systems and software to help us reach decisions about you, for example, to process your data when you apply for some of our products and services.
This type of processing is carried out under lawful basis and you can contact us to request that automated processing be reviewed by a human being if you detect any inaccuracies in your personal data.
Information We Share
We may share the information about you and your dealings with us, to the extent permitted by law, with the following:
- Life Action Plus Branches.
- External Auditors
- Life Action Plus staff
- LAP HMO’s strategic partners’/service providers – for the purpose of improving and providing our products and services to you. Your Personal information will not be shared with third parties for their marketing purposes.
We may also disclose information about you if we determine that disclosure is reasonably necessary to enforce our terms and conditions or protect our operations or users. Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.
Be aware that information about our customers and their usage of our website is not shared with third parties for their marketing purposes. We do not disclose any information about any user’s usage of our web site except in specific cases, and we do not share information with any unaffiliated third parties for marketing purposes unless you expressly give us permission to do so.
How We Protect Your Information
We take appropriate technical and organizational measures to prevent loss, unauthorized access, misuse, modification or disclosure of information under our control. This may include the use of encryption, access controls and other forms of security to ensure that your data is protected. We require all parties including our staff and third-parties processing data on our behalf to comply with relevant policies and guidelines to ensure confidentiality and that information is protected in use, when stored and during transmission. Our security controls and processes are also regularly updated to meet and exceed industry standards.
Where We Store Your Information
All Personal Information you provide to us is stored on our secure cloud infrastructure. Whenever your information is transferred to another location, we will take all necessary steps to ensure that your data is handled securely and in accordance with this privacy policy.
How Long We Store Your Information
We retain your data for as long as is necessary for the purpose(s) that it was collected. Storage of your data is also determined by legal, regulatory, administrative or operational requirements. We only retain information that allows us comply with legal and regulatory requests for certain data, meet business and audit requirements, respond to complaints and queries, or address disputes or claims that may arise.
Data which is not retained is securely destroyed when it is identified that is no longer needed for the purposes for which it was collected.
Your Rights
You have certain rights available to you, these include
- The right to access your personal information held by us. Your right of access can be exercised by sending an email to info@lifeactionplus.com.
- The right to rectify inaccurate or incomplete information.
- Withdraw consent for processing in cases where consent has previously been given.
- Restrict or object to processing of your personal data. We might continue to process your data if there are valid legal or operational reasons.
YOU ALSO HAVE THE RIGHT TO:
- Request that your personal data be made available to you in a common electronic format and/or request that such data be sent to a third party.
- Request that your information be erased. We might continue to retain such data if there are valid legal, regulatory or operational reasons.
Maintaining Accurate Information
Keeping your account information accurate and up to date is very important. You have access to your account information, which includes your contact information, Hospital visits, Treatments and similar information through various means, such as Enrollee portal, Emails, SMS and Social Media.
If you discover any inaccuracies in your personal information, please promptly notify us, via our e-channels, or Call Centre, and provide the required documentary evidence, to enable us to implement the necessary updates or changes.
Applicability of This Privacy Policy
Life Action Plus and its related parties.
- Third-Party Sites and Services
LAPO’s websites, products, applications, and services may contain links to third-party websites, products and services. Our products and services may also use or offer products or services from third parties. Information collected by third parties, which may include such things as location data or contact details is governed by their privacy practices and Life Action Plus will not be liable for any breach of confidentiality or privacy of your information on such sites. We encourage you to learn about the privacy practices of those third parties.
- Social Media Platforms
Life Action Plus may interact with registered users of various social media platforms, including Facebook, Twitter, Instagram, and YouTube. Please note that any content you post to such social media platforms (e.g. pictures, information or opinions), as well as any personal information that you otherwise make available to users (e.g. your profile) is subject to the applicable social media platform’s terms of use and privacy policies. We recommend that you review these information carefully in order to better understand your rights and obligations with regard to such content.
Maintaining Accurate Information
Keeping your Profile information accurate and up to date is very important. You have access to your information, which includes your contact information, account Hospital visits and treatment, dependants details and similar information through various means, such as Enrollee portal, Emails, SMS and Social Media.
If you discover any inaccuracies in your personal information, please promptly notify us, via your Client Service Manager or Call Centre, and provide the required documentary evidence, to enable us to implement the necessary updates or changes.
Privacy of Children
Life Action Plus Policy contains the following disclosure statement for children:
- ” Life Action Plus respects the privacy of children. We do not knowingly collect names, email addresses or any other personally identifiable information from children.
Promotional Messages
Life Action Plus may sometimes contact you with products or services that we think may be of interest to you. If you don’t want to receive such promotional materials from us, you can opt out at any time by sending an email to info@lifeactionplus.com
Privacy Policy Changes
This policy may be revised on an ad-hoc basis to reflect the legal, regulatory and operating environment and such revised versions will automatically become applicable to you. We will post any revisions we make to our Privacy Policy on this page and such revised policy becomes effective as at the time it is posted. We also encourage you to check this page from time to time for updates to this policy.
Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to info@lifeactionplus.com
To contact our Data Protection Officer, kindly address your request to “The Data Protection Officer” at 1st Floor, Nigeria Law Publications House, Plot 2 Otunba Jobi Fele Way, Central Business District, Alausa Ikeja Lagos State Nigeria