Privacy Notice

Last reviewed: [CONFIRM: date] · Zambia Data Protection Act 2021

Who we are

Mukuba Pension Trust ("Mukuba", "we", "us") is an occupational pension scheme registered and regulated in Zambia. Our registered address is [CONFIRM: registered address and registration number]. We are the data controller in respect of your personal information.

What personal information we collect

We collect and process the following categories of personal information about members and beneficiaries:

  • Identity information — full name, date of birth, national ID or passport number
  • Contact information — postal address, telephone number, email address
  • Employment information — employer name, start date, salary, service history
  • Financial information — bank account details for benefit payments
  • Nomination information — names and relationships of nominated beneficiaries
  • Health information (where relevant to ill-health claims) — medical reports and certificates

How we use your information

We use your personal information to:

  • Administer your pension membership and calculate your benefits
  • Process retirement, death, ill-health, and transfer claims
  • Send you benefit statements and other member communications
  • Comply with our legal and regulatory obligations (including to the PIA and Zambia Revenue Authority)
  • Resolve disputes and enforce our legal rights

Legal basis for processing

We process your personal information on the following legal bases:

  • Contract — processing necessary to administer your pension membership
  • Legal obligation — processing required by the Pension Scheme Regulation Act and related legislation
  • Legitimate interests — fund administration and member communication
  • Consent — where we have obtained your explicit consent (e.g. marketing communications)

Who we share your information with

We may share your information with:

  • The Pensions and Insurance Authority (PIA) as required by law
  • The Zambia Revenue Authority as required by law
  • Actuaries, auditors, investment managers, and legal advisors engaged by the fund
  • Your nominated beneficiaries (in the event of a claim)
  • [CONFIRM: other service providers — e.g. payroll processors, insurers]

We do not sell your personal information to third parties.

How long we keep your information

We retain member records for [CONFIRM: retention period — typically the duration of membership plus a defined period after benefits are paid, in accordance with legal requirements]. Records are then securely destroyed.

Your rights

Under the Zambia Data Protection Act 2021, you have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information (subject to our legal obligations)
  • Object to certain types of processing
  • Lodge a complaint with the Data Protection Authority of Zambia

To exercise any of these rights, please contact us at info@mukuba.com.zm or in writing to our Kitwe office.

Website and cookies

This website does not set tracking or advertising cookies. [CONFIRM: Verify with web analytics implementation — if any analytics is added in Phase 4, update this section.] We may use basic session storage to support website functionality.

Changes to this notice

We may update this Privacy Notice from time to time. The current version will always be available on this page, with the date of last review shown above.

Contact us

For any data protection queries, please contact: info@mukuba.com.zm · +260 212 220 884 · President/Kalungwishi Roads, Kitwe, Zambia.