- Who we are
- Personal information we collect
- How we collect personal information
- Third parties
- How third parties use data
- How we communicate
- we retain personal information
- Data security
- Your legal rights
- Contacting us
Our contact details are:
Tel: +447760283467; +234 8138003031
Who are we?
Depending upon the way in which you use our website and the individual products and services you are looking to buy, we may obtain the following:
- Personal information so that we can identify who you are. For example, this information may include your name and date and place of birth;
- Personal information so that we can contact you. For example, this information may include your home address, your email address and your contact telephone numbers;
- Personal information so that we can help you find a product or service. For example, this information may include details about you and your financial situation, your work or profession or the risk you are looking to insure;
- Other more sensitive personal information so that we can help you find a product or service. For example, this information may include details about your health or criminal convictions and offences. This data is known as “special category data” and we will only collect this data if the law allows us to do so; and
- Behavioural and/or technical personal information. For example, this information may include details about how you browse our website and the devices and technology you use to browse our website.
We collect personal information from you when you interact or engage with our website including when you register an account with us or compare products or services via our website. We may also collect personal information from you when you talk to us on the phone, by post or online including via email, social media and mobile device apps. We may also engage with you and hence collect personal information from you if you choose to provide feedback or take part in any of our other market research initiatives, customer surveys or competitions, prize draws or promotions. Occasionally, we may also collect personal information about you from third parties or publicly available sources.
We may share personal information with or receive personal information from:
- other members of our corporate group;
- approved partners and third party product providers;
- our approved third party data providers, including the Nigerian Insurers Association (NIA) if you give us your driving licence number;
- our regulators and other regulatory bodies;
- law enforcement and fraud prevention agencies;
- third parties to whom we may sell, transfer or merge parts of our business or assets or third parties whose business or assets we may acquire; and
- our third party suppliers (for example, IT software and service providers and marketing agencies).
- third parties we use to collect feedback and reviews on our behalf;
We impose strict restrictions on the things that third parties may do with personal information that we give to them. For example, such third parties may process personal information that we give to them in order to:
- assess your eligibility for the products or services which you have expressed an interest in;
- determine your identity and the amount of your premium and hence carry out checks:
- with fraud prevention agencies in order to detect and prevent financial crime, including fraud;
- with credit reference agencies, which will appear as soft searches on your credit report and hence should not adversely affect your credit profile;
- iii. with public and private higher education sources in order to verify your student or graduate status; and
- against information they already hold about you (for example, if you are an existing member of their loyalty schemes or otherwise already known to their corporate group); and
- share personal information with their insurance underwriters, approved third parties (such as theNigerian Insurers Association (NIA) if you give us your driving licence number) and relevant industry databases;
- conduct internal research (such as by analysing market trends and customer demographics) in order to develop the products and services which they offer; and
- share personal information with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment.
The communications we send to our customers can be categorised broadly as “direct marketing communications” and “service communications”.
- Direct marketing communications
We understand that some of our customers like to receive only certain types of direct marketing communications. For us, this means drawing a distinction between our renewal reminders and our general marketing which includes our newsletters and information about our latest offers, products and promotions.
Because we draw a distinction between renewal reminders and our general marketing, you can choose to receive renewal reminders but not our general marketing and vice versa. Similarly, if you tell us that you do not want to receive renewal reminders or general marketing from us, we will not send any direct marketing communications to you.
- Service communications
Service communications broadly comprise of communications which:
a. we have a legal or regulatory obligation to send to you (such as communications which we are obliged by our regulator to send to you from time to time);
b. we send so that we can provide services at your request (such as password reset emails, which you may ask us to send if you do not remember your login credentials but want to access our products and services).
We may keep your personal information for up to six (6) years following the date on which you last use our website or only for as long as is reasonably necessary thereafter in order to:
- respond fully to any questions or complaints;
- evidence that we have treated customers fairly or satisfy some other legal, accounting, tax or reporting requirement; and
- establish, exercise or defend legal claims in accordance with statutory limitation periods.
The security of personal information is extremely important to us and hence we have put in place appropriate security measures to protect personal information from being accidentally lost, used or accessed in an unauthorised way.
You have a right to know whether we are processing your personal information. If we are processing your personal information, you also have a right to request copies of your personal information that we are processing and certain further information, including the purposes of our processing and the recipients or categories of recipients to whom we have disclosed (or will disclose) your personal information.Right to rectification
You have the right to require us to rectify or complete any inaccurate or incomplete personal information that we are holding about you.Right to erasure
You have a right to ask us to erase your personal information. This is also known as the “right to be forgotten”. We must erase your personal information following your request except in limited circumstances prescribed by law, such as where we need to retain your personal information in order to comply with a legal obligation or in order to establish, exercise or defend legal claims.
- Right to restriction of processing
You have a right to require us to restrict processing of your personal information where:-
- you believe that the personal information we hold about you is inaccurate and we require reasonable time to verify the accuracy of that personal information;
- your personal information has been unlawfully processed by us but you do not want us to erase that personal information;
3. it is no longer necessary for us to keep your personal information for the purposes for which they were collected by us but they are required by you for the establishment, exercise or defence of legal claims; or
- you exercise your right to object to processing and we require reasonable time to verify whether there are any overriding grounds upon which we may rely in order to continue that processing.
Right to data portability
If we process your personal information with your consent or because it is necessary for us to do so in order to provide our service to you, you may require us to move, copy or transfer that personal information to you or another third party in a structured, commonly used and machine-readable format.Right to object
You have a right to object to our processing of your personal information where we are processing that personal information on legitimate interest grounds. We will stop processing this personal information if you exercise your right to object unless there are overriding grounds upon which we may rely in order to continue that processing or unless that processing is necessary in order to establish, exercise or defend legal claims.
You also have a right to object to our processing of your personal information for direct marketing purposes. You can object to our processing of your personal information for direct marketing purposes by the unsubscribe hyperlink in any direct marketing messages which we may send to you. We will stop processing your personal information for direct marketing purposes if you request us to do so.Right to withdraw consent
If we process your personal information with your consent, you have a right to withdraw your consent at any time. If you withdraw your consent, we may be unable to continue to provide certain services to you but we will inform you if that is the case.
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- We do not guarantee that our Site will be secure or free from bugs or viruses.
- You are responsible for configuring your information technology, computer programs and platform in order to access our Site. You should use your own virus protection software.
- You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.