Privacy Policy

1. Introduction

VehicleInsure ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our website, mobile application, and insurance services.

This policy complies with the Nigeria Data Protection Regulation (NDPR) 2019 and other applicable data protection laws in Nigeria. By using our services, you consent to the practices described in this policy.

2. Information We Collect

We collect information you provide directly to us and information automatically collected through your use of our services.

2.1 Personal Information You Provide

• Identity Information: Full name, date of birth, gender, national identification number, driver's license details
• Contact Information: Email address, phone number, residential address, state of residence
• Vehicle Information: Vehicle registration number, make, model, year, chassis number, engine number, vehicle value
• Financial Information: Payment card details, bank account information, transaction history
• Insurance Information: Policy details, claims history, driving history, vehicle inspection photos

2.2 Information Automatically Collected

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent, links clicked, search queries
• Location Data: Approximate location based on IP address (with your permission, precise GPS location)
• Cookies and Similar Technologies: See our Cookies Policy

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing Insurance Services: Processing applications, issuing policies, managing claims, calculating premiums
• Customer Support: Responding to inquiries, providing assistance, sending service updates
• Verification & Compliance: Verifying identity, conducting fraud checks, complying with NAICOM and legal requirements
• Improving Services: Analyzing usage patterns, personalizing experience, developing new features
• Marketing Communications: Sending promotional offers and newsletters (with your consent)
• Legal Obligations: Complying with court orders, regulatory requirements, and legal processes

4. Information Sharing

We may share your information with:

• Insurance Partners: Underwriting companies, reinsurers, and loss adjusters necessary for policy administration
• Service Providers: Payment processors, IT service providers, cloud storage providers, delivery services
• Regulatory Authorities: NAICOM, FRSC, Nigeria Police Force, and other government agencies as required by law
• Business Transfers: In connection with merger, acquisition, or sale of company assets
• With Your Consent: Other parties when you have given explicit permission

All third parties are contractually obligated to protect your information and use it only for specified purposes.

5. Data Security

We implement industry-standard security measures to protect your personal information:

• Encryption: 256-bit SSL/TLS encryption for data transmission
• Access Controls: Strict role-based access to personal data
• Regular Audits: Periodic security assessments and vulnerability testing
• Data Minimization: Collecting only necessary information
• Secure Storage: Data stored on secure servers with physical and digital protection

While we strive to protect your data, no method of transmission over the internet is 100% secure. We encourage you to use strong passwords and protect your account credentials.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and fulfill contractual obligations
• Comply with legal and regulatory requirements (typically 7 years for insurance records in Nigeria)
• Resolve disputes and enforce our agreements

When data is no longer needed, we securely delete or anonymize it.

7. Your Rights (NDPR)

Under the Nigeria Data Protection Regulation, you have the following rights:

• Right to Access: Request a copy of your personal data
• Right to Rectification: Correct inaccurate or incomplete information
• Right to Erasure: Request deletion of your data (subject to legal retention requirements)
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Receive your data in a structured format
• Right to Object: Object to processing for direct marketing
• Right to Withdraw Consent: Withdraw previously given consent

To exercise these rights, contact us at privacy@vehicleinsure.ng. We will respond within 30 days.

8. Cookies Policy

We use cookies and similar technologies to enhance your browsing experience. Cookies are small text files stored on your device.

8.1 Types of Cookies We Use

• Essential Cookies: Necessary for website functionality (cannot be disabled)
• Analytics Cookies: Help us understand how visitors interact with our site
• Marketing Cookies: Used to deliver relevant advertisements
• Functional Cookies: Remember your preferences and settings

8.2 Managing Cookies

You can control cookies through your browser settings. You can also manage your cookie preferences on our Cookie Settings page.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately for removal.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or prominent notice on our website. The "Last Updated" date at the top indicates the most recent revision.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer:

• Email: privacy@vehicleinsure.ng
• Phone: +234 123 456 7890
• Address: Data Protection Officer, VehicleInsure, 15B Admiralty Way, Victoria Island, Lagos, Nigeria