Melon - Privacy Policy

Effective Year: 2025
Platform: Mobile App and Website (www.meloninsurance.co)

1. Introduction

Melon is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you use our mobile app or website. By using our services, you agree to the practices described in this Privacy Policy.

2. Information We Collect

We collect the following types of information:

a. Personal Information

Full name
Date of birth
Gender
Contact information (email, phone number)
National ID or student ID (where required)
Address and location
Insurance-related information

b. Health Information

Medical history and pre-existing conditions (only if required for insurance purposes and with your consent)

c. Usage Data

Device information (type, OS, IP address)
App/website interaction (pages visited, features used, date/time of access)

d. Payment Information

Payment method (mobile money, credit/debit card)
Transaction history

Note: Melon does not store full card numbers. All payments are handled via secure third-party payment processors.

3. How We Use Your Information

We use your data to:

Create and manage your account
Provide and improve insurance and health-related services
Facilitate payments and manage subscriptions
Personalize user experience and content
Respond to your inquiries and provide customer support
Conduct analytics and performance monitoring
Comply with legal and regulatory requirements

4. Sharing Your Information

We may share your data with:

Licensed insurance providers and underwriters
Payment processors and financial institutions
Regulatory authorities (as required by law)
Service providers (for analytics, hosting, customer support)

We do not sell your personal data to third parties.

5. Data Security

We implement industry-standard security measures to protect your data, including:

Encrypted data transmission (SSL/TLS)
Access controls and user authentication
Secure storage and backup protocols

However, no system is 100% secure. You are responsible for safeguarding your login credentials.

6. Data Retention

We retain your personal data for as long as your account is active or as needed to:

Fulfill the purposes stated in this policy
Meet legal, tax, or reporting obligations

When no longer needed, data is securely deleted or anonymized.

7. Your Rights

You have the right to:

Access your personal data
Correct or update inaccurate information
Request deletion of your data (subject to legal limitations)
Withdraw consent for specific uses
File a complaint with the Data Protection Commission of Ghana

To exercise your rights, contact us at: hello@meloninsurance.co

8. Children&aptos;s Privacy

Melon does not knowingly collect data from children under 18 without verifiable parental consent. If we discover we have collected such data without consent, we will delete it promptly.

9. Cookies and Tracking

Melon uses cookies and similar technologies to:

Improve website functionalitya
Analyze user behavior
Remember user preferences

You can manage cookie preferences through your browser settings.

10. International Transfers

If your data is transferred outside Ghana (e.g., for cloud storage), we ensure that adequate safeguards are in place to protect your data under applicable privacy laws.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, with the updated date. Continued use of the Platform means you accept the revised policy.

12. Contact Us

For questions, concerns, or requests related to your privacy, contact:

Email: hello@meloninsurance.co
Phone: +233 599 629 666