Privacy Policy

JN General Insurance Company Limited (JNGI) is concerned about online privacy issues and wants you to be familiar with how we collect, use and disclose your personal information (as defined below). This Privacy Policy (the "Policy") describes our practices in connection with personal information that we collect through our website located at www.jngionline.com and through our locations across Jamaica (collectively, the "Site").

By using the Site, you agree to the terms of this Policy. We reserve the right to change this Policy without prior notice. Any changes to the Policy will become effective upon our posting of the revised Policy on the Site. Use of the Site following such changes constitutes your acceptance of the revised Policy then in effect.


  • 1. TYPES OF INFORMATION JNGI COLLECTS FROM YOU

    • 1.1 JNGI collects "Personal Information" ("PI") through the Site. PI is information that identifies you as an individual such as your name, address, telephone number, e-mail address, employment details, TRN, credit card information and other information incidental to our provision of general insurance services. You do not have to provide PI to browse most areas of the Site. However, in order for you to get a quote and purchase insurance we will require that you furnish PI. We collect PI from you through the Site only when you voluntarily provide it to us by engaging in transactions on the Site.
    • 1.2 JNGI also collects “Non-Personal Information” (“Non-PI”) through the Site. Non-PI is generally collected through the Site from the following sources:
      • 1.2.1 Server Log Files. Your Internet Protocol (IP) address is a number that is automatically assigned to the computer that you are using by your Internet Service Provider. This number is identified and logged automatically in our server log files whenever you visit the Site, along with the time(s) of your visit(s) and the page(s) that you visited. We use your IP address, and the IP addresses of all users, for purposes such as calculating Site usage levels, helping diagnose problems with the Site's servers, and administering the Site. Collecting IP addresses is standard practice on the Internet and is done automatically by many websites.
        1.2.2 Cookies. We use "cookies" on our Website to help us analyze web traffic and evaluate and improve the content or functions of our Website. A cookie is a small text file which is sent by a website, accepted by a web browser and then placed onto your computer’s hard drive. The information collected from these cookies lets us know that you visited our site in the past, and helps you avoid having to re-enter information on each visit in order to use some of our online functionality. Cookies also help us analyze use of our site, and better aggregate useful information when site users provide feedback about our site or products. You can set your browser to refuse cookies from our Website. By using our Website and not disabling cookies, you consent to allowing their use for the described purposes.
  • 2. JNGI'S USE OF YOUR PERSONAL INFORMATION

    • 2.1 JNGI will use your personal information for the following purposes:
      • 2.1.1 for the specific purpose for which it was provided by you;
        2.1.2 for our internal business purposes, such as data analysis, which extends to the JN Group of which JNGI is a part;
        2.1.3 to enhance our information and to aid us in providing our clients with targeted promotions.
    • 2.2 Subject to the provisions herein, JNGI agrees as far as possible to keep information relating to your Policy or transaction(s) confidential. However, it is hereby understood and agreed that JNGI is authorized to disclose such information to a third party in certain circumstances including but not limited to the following:
      • 2.2.1 Where you have given JNGI permission to do so;
        2.2.2 Where such disclosure is necessary to complete a transaction;
        2.2.3 Where such disclosure is necessary to complete an investigation or resolve a dispute, query or issue relating to a transaction;
        2.2.4 Where such disclosure is necessary to comply with any legal or regulatory requirements.
    • 2.3 It is hereby understood and agreed that JNGI shall in no case be liable for any damages, losses, costs or expenses which you may suffer as a result of such disclosure referred to above.
  • 3. OTHER IMPORTANT INFORMATION REGARDING OUR PRIVACY POLICY

    • 3.1 Third-Party Sites. The Site may contain links to third-party websites. These linked sites are not under JNGI's control and we are not responsible for the privacy practices or the contents of any such linked site, or any link contained in any linked site. We provide such links only as a convenience, and the inclusion of a link on the Site does not imply endorsement of the linked site by JNGI. If you provide any PI through any such third-party website, your transaction will occur on the third party's website (not the Site) and the PI you provide will be collected by, and controlled by the privacy policy of that third party. We recommend that you familiarize yourself with the privacy policies and practices of any third parties. PLEASE NOTE THAT THIS POLICY DOES NOT ADDRESS THE PRIVACY OR INFORMATION PRACTICES OF ANY THIRD PARTIES.
    • 3.2 Security. We have security measures and tools, such as firewalls, in place to help protect against the loss, misuse and alteration of the information under our control. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure and we do not make any such guarantees regarding the Site. If you have reason to believe that your interaction with us is no longer secure, please notify us of the problem as soon as possible by contacting us in accordance with Section 4 ("Contacting Us,") below (note that if you choose to notify us via physical mail, this will delay the time it takes for us to respond to the problem).
    • 3.3 Other Information. The Site is controlled and operated by JNGI and is not intended to subject JNGI to the laws or jurisdiction of any state, country or territory other than that of Jamaica. JNGI does not represent or warrant that the Site, or any part thereof, is appropriate or available for use in any particular jurisdiction. Those who choose to access the Site do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations. We may limit the Site's availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion.
    • 3.4 Note Regarding the Use of the Site by Children: The Site is not directed to individuals under the age of eighteen (18), and we request that such individuals not provide PI through the Site. If you are under 18 years of age, you may browse our Site; however, you may not provide PI to us such as requesting a quote or making a purchase.
  • 4. CONTACTING US

    If you have any questions regarding this Policy, you may contact us in the following ways:

    • 4.1 Via e-mail at info@jngijamaica.com. Please note that email communications will not necessarily be secure; accordingly you should not include credit card information or other sensitive information in your e-mail correspondence with us.
    • 4.2 Via telephone at 876-922-1460-5; 922-8200-5; or toll free at 1-888-225-5636
    • 4.3 Via postal mail at:
            JN General Insurance Company Limited
            9 King Street
            Kingston
Last updated: June 12, 2015

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