An effective Compliance Program will determine that our actions are guided by Integrity, Competence and regulated Industry Practice.
An agent who holds a life insurance licence shall not contravene or fail to comply with the following Code of Ethics in respect of the sale or service of life insurance.
Privacy policies and procedures at UFS are applicable to all our affiliates, agents, representatives and service providers with whom we do business and have entered into contracts with. This will build trust among our policyholders, including our clients, regulators and the public at large.
We at UFS will follow ten principles of privacy provided by the Office of the Privacy Commissioner are as under:
The purposes for which personal information is collected shall be identified by the organization at or before the time the information is collected.
The knowledge and consent of the individual are required for the collection, use, or disclosure of personal information, except where inappropriate.
The collection of personal information shall be limited to that which is necessary for the purposes identified by the organization. Information shall be collected by fair and lawful means.
Limiting Use, Disclosure and Retention
Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.
Personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.
Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.
An organization shall make readily available to individuals specific information about its policies and practices relating to the management of personal information.
Upon request, an individual shall be informed of the existence, use, and disclosure of his or her personal information and shall be given access to that information. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.
An individual shall be able to address a challenge concerning compliance with the above principles to the designated individual or individuals accountable for the organization’s compliance.
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