1. Introduction
Your privacy is of utmost importance to us. We are committed to protecting your personal data and ensuring that your privacy is respected. This Privacy Policy outlines how we collect, use, store, and protect your personal data when you use our web-app and mobile application to buy, edit, and manage insurance policies, file and track claims, and make payments.
2. Who We Are
In this Privacy Policy, “we”, “our”, and “us” refer to E-nsure Ltd. We are the data controller responsible for your personal data in connection with the services provided through our platform.
3. Who Does This Policy Apply To?
This policy applies to:
- Users: Individuals who use our platform to buy, manage, or make payments for insurance policies, file claims, or interact with insurance companies.
- Insurance Companies: Companies that provide their services and manage client interactions through our platform.
- Third-Party Service Providers: Entities we engage to process your data on our behalf in connection with our services.
4. What Personal Data Do We Collect?
We may collect and process the following types of personal data:
- Contact Information: Name, email address, phone number, and other contact details.
- Insurance Information: Details related to your insurance policies, claims, and preferences.
- Usage Data: Information about how you use our platform, including your interaction with the dashboard, claims filing, and policy management features.
- Payment Information: Details related to the payments you make for insurance services.
- Location Data: Information about your location when you use our services.
- Technical Data: Device information, IP address, browser type, and operating system.
5. How Do We Collect Your Personal Data?
We collect personal data in the following ways:
- Directly from You: When you register on our platform, manage your policies, file claims, or interact with our services.
- Automatically: Through cookies and similar technologies that track your usage of our platform.
- From Third Parties:
- We may receive data from third-party service providers that assist us in delivering our services.
6. How Do We Use Your Personal Data?
We use your personal data for the following purposes:
- To Provide Services: Facilitating policy management, claims processing, and payments based on your insurance needs.
- To Improve Our Platform: Analyzing usage data to enhance our platform’s features and performance.
- To Communicate with You: Sending you updates, promotional offers, and information related to our services.
- To Facilitate Insurer Interactions: Allowing insurance companies to manage client interactions and provide tailored services.
- To Ensure Security: Protecting our platform and users from unauthorized access, fraud, and other security threats.
7. Legal Basis for Processing Your Data
We process your personal data based on the following legal grounds:
- Consent: When you provide us with your explicit consent to process your data for specific purposes, such as receiving marketing communications.
- Legitimate Interests: For purposes necessary for our business operations, such as improving our services or ensuring the security of our platform.
- Contractual Necessity: To fulfill our contractual obligations to you, such as providing policy management or claims processing.
- Legal Obligations: To comply with legal and regulatory requirements.
8. Sharing Your Personal Data
We may share your personal data with the following entities:
- Insurance Companies: To provide them with the necessary information to manage your policies, process claims, and interact with you.
- Third-Party Service Providers: Who assist us in processing your data and delivering our services.
- Legal Authorities: When required by law or in response to valid requests by public authorities.
9. International Data Transfers
If we transfer your personal data outside of Rwanda, we will ensure that appropriate safeguards are in place to protect your data in accordance with applicable laws.
10. How Do We Protect Your Personal Data?
We implement a variety of technical, physical, and organizational measures to protect your personal data from unauthorized access, loss, or misuse. These measures include data encryption, access controls, and regular security audits.
11. How Long Do We Keep Your Personal Data?
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Once your data is no longer needed, we will securely delete or anonymize it.
12. Your Rights
You have the following rights concerning your personal data:
- Right to Access: Request access to the personal data we hold about you.
- Right to Rectification: Request corrections to any inaccurate or incomplete data.
- Right to Erasure: Request the deletion of your personal data under certain conditions.
- Right to Object: Object to the processing of your personal data for specific purposes, such as marketing.
- Right to Data Portability: Request the transfer of your personal data to another service provider.
- Right to Withdraw Consent: Withdraw your consent at any time if we are processing your data based on your consent.
You can exercise these rights by contacting us at info@e-nsure.com. We will respond to your requests in accordance with applicable laws.
13. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our platform. You can manage your cookie preferences through your browser settings.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on our website, and we encourage you to review this policy periodically.
15. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at info@e-nsure.com.
