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Privacy & Cookies Policy

Effective Date: 01 January 2025.

At InsureOngo.com(“we,” “our,” or “us”), we are committed to safeguarding your privacy and ensuring the security of your personal information. This Privacy & Cookies Policy outlines how we collect, use, share, and protect your data in compliance with the Nigeria Data Protection Regulation (NDPR) and other applicable laws. By accessing or using our website and services, you agree to the terms outlined in this policy.

Scope of this Privacy Policy

This policy applies to all visitors to our website and users of our services. It does not extend to any third-party websites that can be accessed from our site, including links to social media platforms. We are not responsible for the privacy practices of external sites, and we encourage users to review their privacy policies before providing any personal information.

Definitions and Interpretation

• "Data": All information you submit to InsureOngo.com via the website, including personal data as defined under applicable Data Protection Laws.
• "Data Protection Laws" : Any applicable laws relaƟng to personal data processing, including the Nigeria Data Protection Regulation 2019 (NDPR) and any supplementary regulations.
• "Website" : The website you are currently using (www.insureongo.com ), including any sub-domains unless expressly excluded by their individual terms.

Information We Collect

We collect the following types of personal information:

1. Personal Data
• Full name
• Email address
• Phone number
• Residential or business address
• Identification details (e.g., National ID, Driver’s License, or BVN for verification)
2. Financial & Insurance Data
• Payment details (if applicable)
• Insurance policy preferences and history
• Claims history
3. Technical & Usage Data
• IP address
• Browser type and device information
• Cookies and tracking data (See Section 8: Cookies & Tracking Technologies)

When and How We Collect Data

We collect data from the first moment you interact with our website. Data can either be collected automatically or be provided by you.

• When you visit our website: This information helps us improve website content and navigation and includes your IP address, the dates, times, and frequency with which you access the website, and how you interact with its content
• Through cookies: We collect data automatically via cookies, in line with the cookie settings on your browser. For more information about cookies and how we use them, please see Section 8: Cookies & Tracking Technologies

Data You Provide:

• When you use the "Contact Us" form.
• When you subscribe to our mailing lists or newsletters.
• When you engage with our services.

How and Why We Use Your Data

We process your personal data for the following purposes:

• Providing Services: To facilitate insurance comparisons, process applications, and manage policies.
• Customer Support: To address inquiries, resolve complaints, and provide assistance.
• Compliance & Legal Obligations: To meet regulatory requirements under the NDPR and other applicable laws.
• Marketing & Communication: To send you updates, promotions, and relevant policy information (with your consent, and you can opt-out at any time).
• Fraud Prevention & Security: To detect, prevent, and investigate fraudulent activities.
• Improvement of Services: To analyze usage data and improve our website and services.

Legal Basis for Data Processing

We process your personal data for the following purposes:

• Your Consent: When you provide your details to use our services.
• Contractual Necessity: To process and manage your insurance applications and policies.
• Legal Compliance: To meet regulatory obligations under the NDPR and other applicable laws.
• Legitimate Interests: To improve our services, prevent fraud, and enhance user experience.

Data Sharing & Third-Party Access

We do not sell or rent your personal data. However, we may share your information with:

• Insurance Companies & Partners: To facilitate policy comparisons and purchases.
• Regulatory & Law Enforcement Agencies: If required by law for fraud prevention or security purposes.
• Service Providers: IT support, payment processors, and marketing agencies (understrict confidentiality agreements).

Cookies & Tracking Technologies

We use cookies and similar tracking technologies to improve user experience and analyze website performance. Cookies are small data files stored on your device that help us understand how you interact with our website.

Types of Cookies We Use:

• Essential Cookies: Necessary for the functioning of our website.
• Performance Cookies: Collect information about how visitors use our site.
• Functionality Cookies: Remember choices you make to improve your experience
• Targeting/Advertising Cookies: Deliver relevant advertisements to you

Managing Cookies:

You can manage your cookie preferences through your browser seƫngs. Please note that disabling cookies may affect the functionality of our website.

Third-Party Links & External Websites

Our website may contain links to external sites. We are not responsible for their privacy practices. We encourage users to review third-party privacy policies before providing personal information.

Your Privacy Choices and Rights

Under the NDPR, you have the following rights regarding your personal data:

• Right to Access – You may request access to the personal data we hold about you. We will provide this information within one month unless doing so would infringe on the rights or freedoms of others. If we cannot fulfill your request, we will inform you and provide the reasons.
• Right to Correction – You may request that we correct or update any incomplete or inaccurate personal data about you. Keeping your information accurate and up to date is essenƟal, so please noƟfy us of any changes.
• Right to Data Deletion – You may request that we erase your personal data, subject to legal and regulatory requirements. In certain cases, we may be required to retain some information for compliance, dispute resolution, or enforcement of agreements
• Right to Restrict Processing – You may request that we limit the processing of your personal data in specific circumstances, such as when contesting its accuracy or objecting to its use.
• Right to Object – You may object to the processing of your data, particularly where we rely on legitimate interests (e.g., profiling or automated decision-making).
• Right to Data Portability – You may request to receive your personal data in a structured, commonly used, and machine-readable format or ask us to transfer it to another organization where technically feasible.
• Right to Opt-Out of Marketing – You can unsubscribe from promotional emails anytime by following the unsubscribe link in our communications. Please note that you may still receive essential service-related messages.

To exercise any of these rights, please contact us at team@insureongo.com

Data Security & Protection

We implement strong security measures to protect your data, including:

• Encryption – Securing personal information using industry-standard encryption.
• Access Control – Restricting unauthorized access to personal data.
• Compliance – Aligning with the Nigeria Data Protection Regulation (NDPR) and global data protection standards.

However, while we take reasonable precautions, no system is 100% secure, and we encourage users to take personal measures to safeguard their data.

Data Retention Policy

We retain personal data only as long as necessary for service provision and compliance with legal obligations. When no longer required, we securely delete or anonymize your data.

Third-Party Links & External Websites

Our website may contain links to external sites. We are not responsible for their privacy practices. We encourage users to review third-party privacy policies before providing personal information

Updates to This Policy

We may update this Privacy Policy periodically. Any significant changes will be communicated via our website or email. Your continued use of our services implies acceptance of these changes

Contact Information

If you have any questions or concerns about this policy or your data rights, contact us at:

• Email : team@insureongo.com
• Address: 343 Borno Way by Hughes Avenue, Alago-Meji, Yaba, Lagos.
• Phone : +234 818 835 0000