Curacel.co is provided by Curacel System Limited (“Curacel”). 
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At Curacel, we are committed to the responsible and ethical use of Artificial Intelligence (AI) technologies in alignment with our core values of transparency, fairness, accountability, and security. This AI Policy outlines how we design, develop, deploy, and manage AI systems across our products and services.

Throughout this document, the terms “we”, “us” and “our” refer to Curacel.
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This policy applies to all users of our platforms, our employees, partners, contractors, and any third parties we engage with in relation to AI systems.

You accept this AI Policy when you give consent upon access to our platforms, or use our services, content, features, technologies or functions offered on our website, digital platforms or visit any of our offices for official or non-official purposes.

This policy covers all AI systems developed, procured, or deployed by Curacel, including - but not limited to - machine learning models, natural language processing systems, recommendation engines, and any AI-enabled automation in its products and services, including but not limited to:

1. Claims automation and adjudication
2. Fraud detection and prevention
3. Predictive analytics and risk assessment
4. AI-powered customer service and support (chatbots, virtual assistants)
5. Underwriting and pricing models

The policy ensures that all AI systems comply with industry standards, data protection laws, and regulatory requirements relevant to our enterprise customers.

Curacel is committed to adhering to global AI compliance standards, including but not limited to:

General Data Protection Regulation (GDPR): Curacel ensures that all AI systems handling personal data for customers in the EU are compliant with GDPR requirements, particularly regarding data subject rights, transparency, and accountability.

ISO/IEC 27001: Curacel follows ISO/IEC 27001 standards for information security management to ensure the confidentiality, integrity, and availability of data processed by our AI models.
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OECD AI Principles: Curacel aligns its AI governance practices with the OECD’s AI principles, focusing on promoting innovation while ensuring that AI systems are fair, transparent, and accountable.

Other Jurisdictional Regulations: Curacel also ensures compliance with AI and data protection laws in other regions where it operates, including Saudi Arabia, Nigeria, Ghana, Egypt, and Kenya, adhering to local regulatory requirements as needed.

Curacel adopts the following ethical principles to guide the responsible development and deployment of AI technologies:

1. Fairness and Non-Discrimination: Curacel ensures that AI-driven decisions are free from bias, promoting fairness across all customer segments. AI models undergo regular audits to detect and mitigate any form of bias in decision-making.
2. Transparency: We provide clear, accessible information on how our AI systems work, how they process data, and the basis on which decisions are made. Enterprise customers are encouraged to request AI model audits or explanations for key decisions impacting their customers.
3. Accountability: Curacel is accountable for the outcomes of AI-based decisions. If an AI system makes a decision that negatively impacts customers or is perceived to be unfair, Curacel offers clear channels for review, remediation, and appeal.
4. Human Oversight: While AI can automate decision-making processes, Curacel ensures that human oversight is maintained, particularly in high-stakes scenarios such as claims adjudication or underwriting. Enterprise customers retain final authority over critical decisions.
5. Data Privacy and Security: Curacel upholds robust data protection practices in compliance with global standards. All AI systems handle personal and sensitive data securely, ensuring it is processed only for the specific purposes for which it was collected.

As part of our AI compliance commitment, Curacel ensures that customers’ data is handled responsibly in accordance with the following principles:

1. Data Minimization: AI systems collect only the minimum amount of data necessary to perform their functions. Data is used strictly for its intended purpose, and unnecessary data collection is avoided.
2. Anonymization and Encryption: Where possible, data is anonymized to protect customer privacy. Sensitive data is encrypted both in transit and at rest to prevent unauthorized access
3. Data Subject Rights: Enterprise customers and their clients have the right to access, modify, or delete personal data processed by Curacel’s AI systems, as stipulated by data protection regulations.
4. Data Privacy and Security: Curacel upholds robust data protection practices in compliance with global standards. All AI systems handle personal and sensitive data securely, ensuring it is processed only for the specific purposes for which it was collected.

Curacel implements a robust AI governance framework that ensures the ethical, legal, and responsible use of AI. Our risk management strategy includes:

1. AI Ethics Committee: An internal committee responsible for ensuring that AI systems meet ethical standards and comply with regulatory requirements. The committee also oversees AI audits, risk assessments, and bias detection.
2. Continuous Monitoring: We continuously monitor AI models to ensure they perform as expected, providing accurate, reliable results and identifying and addressing any unintended outcomes or biases.
3. External Audits and Reviews: Curacel engages independent third-party auditors to conduct regular reviews of its AI systems, ensuring compliance with global standards and identifying areas for improvement.
4. Model Validation and Testing: Before deployment, AI models undergo extensive validation and testing to ensure they meet accuracy, fairness, and security standards. Post-deployment, models are regularly updated based on performance data and evolving regulatory requirements.

Curacel prioritizes transparency in all AI processes and ensures that customers can interact with our AI systems effectively:

1. Explainability: For any AI-driven decision that directly impacts enterprise customers or their clients, Curacel provides clear, understandable explanations of how the AI system arrived at its conclusion.
2. Customer Feedback Mechanism: We offer channels for enterprise customers to provide feedback on AI-driven processes, ensuring that concerns are addressed and improvements are made.

Curacel complies with leading industry standards for AI development, including:

1. AI Model Interpretability: We ensure that enterprise customers can access interpretable AI models, ensuring that decisions are not made in a "black-box" manner but are fully explainable.
2. Security and Risk Mitigation: Curacel adheres to the highest standards of AI security, incorporating practices such as secure coding, penetration testing, and data protection measures to ensure AI systems are resilient to threats.

Where AI systems are used to process personal data or affect user experiences, users are notified and, where required by law, consent is obtained. We will clearly disclose where AI plays a material role in our products or services.

When integrating third-party AI tools or services, we conduct due diligence to ensure such tools meet our ethical standards, data protection requirements, and security practices. We hold such third parties contractually accountable for their AI practices.

We maintain internal governance structures for overseeing the use of AI across our products. This includes risk assessment, audit trails, documentation of model development, versioning, and approval procedures. AI-related risks are included in our enterprise risk management framework.

We provide training to relevant employees to ensure awareness of ethical AI practices, data privacy obligations, and the responsible use of AI technologies. This includes model explainability, bias detection, and risk mitigation techniques.

In accordance with the NDPR and other applicable data protection laws:

1. You have the right to know when AI is used to make a decision that affects you.
2. You may request an explanation of decisions influenced by AI.
3. You have the right to request human intervention or challenge AI-assisted decisions.
4. You may request access, correction, or deletion of any personal data used by AI systems.

In the event of a breach of this AI Policy, Curacel will:

1. Investigate: Promptly investigate the incident to identify the nature, cause, and impact.
2. Notify Stakeholders: Inform affected parties and relevant authorities, where required.
3. Remediation Actions: Take immediate corrective measures to address and mitigate the breach.
4. Disciplinary Measures: Impose appropriate disciplinary action against individuals responsible, including retraining, suspension, or termination of employment or contracts.

Curacel shall not be held liable for indirect, incidental, consequential, or special damages arising from the use or inability to use its AI systems, except to the extent explicitly required by applicable law. Our liability in relation to AI solutions shall be limited to direct damages, subject to contractual terms agreed upon with our clients or partners.

We regularly evaluate the performance, fairness, and compliance of our AI systems. Updates to models are versioned and documented, with continuous monitoring to detect errors or drift. This policy may be updated to reflect regulatory changes or emerging best practices in AI governance. Whenever such changes are made, we will notify you. These changes will take effect immediately after you have been notified.

For questions, concerns, or complaints regarding the use of AI at Curacel, please contact: admin@curacel.ai