Terms and Conditions
Last Updated: December 12, 2019: Insurenow Insurance Agency owns and operates any website that displays this Terms and Conditions (each, a “Site”). Your rights are important to us. We created this Terms and Conditions to explain how we collect, use, and share the information that we collect from and about you on this Site. By using this Site, you agree to the terms of this Terms and Conditions.
We collect information that you provide to us when you enquire about or purchase products and/or services through this Site. If you refuse to provide any requested information (whether or not required), you may not be able to take full advantage of this Site and its features. That information may include your (a) name, (b) address, (c) e-mail address, (d) telephone number, (e) credit or debit card number, and (f) driver’s license number (for auto insurance offers).
In some cases, we may collect additional information you provide, such as your age, date of birth, gender, occupation, and education level. On our financial services Sites, with your consent, we may collect your Social Security number to verify your identity with a credit bureau and obtain your credit report and credit score. On certain Sites, we may also collect from you information about your contacts, such as their email address, to share an article or other content.
1.2. Information from Third Parties
We may also collect information about you from third parties, like credit reporting agencies or a social media site or a plug-in you use to log into or connect to this Site and authorize to send us information from that social media account (e.g., name, age, and photo). We may associate or combine the information you provide through this Site with this information collected from third parties.
1.3. Information Automatically Collected
When you use this site, the server may automatically recognize you by a “cookie” or other tracking technology. These technologies act as unique identifiers and allow us to tailor this Site to your specified interests and keep track of your activity on this Site. This information may be added to your user profile and used to deliver offers and advertisements that we believe are relevant to your interests.
Furthermore, we may retrieve certain information from your browser (e.g., browser type, referrer URL, date and time of your visit, IP address) and device (e.g., MAC address, device type, screen resolution, and OS version). We use this information to monitor this Site’s performance, analyse traffic patterns and usage, ensure that this Site and any transactions function properly, and gather demographic information about our user base as a whole. This information also may be appended to your user profile so that we may further tailor this Site to your interests and send offers to you based on such information.
1.4. Tracking Options and Kenya Do Not Track Disclosures
Certain parts of this Site require cookies, and we may use them to deliver more relevant advertising and to link data collected across other devices you use. You can adjust your settings to limit tracking or decline cookies, but as a result, you may not be able to use certain features of this Site or take full advantage of all of our offerings. Please refer to your device or browser settings for more information on how to delete or decline cookies and control your tracking preferences. This Site does not respond to do not track signals from most browsers.
2.0. INFORMATION USE
We may use the information we collect from and about you through this Site (a) to connect you with third-party partners who will provide information about products and services; (b) to respond to your inquiries and requests (e.g., newsletters); (c) to market to you and keep you informed of our products and services and/or those of our third-party partners, which we think may be of interest to you; (d) to allow you to send messages to a friend through this Site; (e) to develop new products and enhance and improve our Sites and business; (f) to complete and fulfil any purchase you make; and (g) to use your data in an aggregated, non-specific format for analytic and demographic purposes. Your contact information also may be used to reach you when necessary. With your consent, we may use automated decision-making, including profiling, to analyse the information collected from and about you.
We have a lawful basis for collecting and processing your information if (a) you consent to such processing; (b) we have a legitimate interest in processing your data, like analytic, fraud prevention, improving our Sites and our business, and direct marketing; and (c) we are legally required to process it.
3.0. INFORMATION SHARING
Additionally, we may share your information (a) with other Insurenow Insurance Agency Businesses; (b) with third-party partners who will provide you with information about their product and services; (c) with our third-party service providers who provide services like payment processing, IT, and data analysis; (d) with national credit bureaus to verify your identity and obtain your credit report and credit score; (e) if you seek insurance quotes, with financial services providers who offer competitive rates and/or the Department of Motor Vehicles to verify your driving record, previous claims history, and vehicle VINs; (f) if you choose to send a message through this Site or contribute to public areas of this Site (e.g., message boards, blogs); and (g)with a third party in the event of a sale or transfer of all or part of our business (including in connection with any bankruptcy proceeding).
We also may access and disclose your information to (a) comply with legal process; (b) to respond to lawful requests from authorities, including public and government authorities outside your country of residence, and including to meet national security or law enforcement requirements; (c) to enforce our Terms and Conditions; (d) to protect our business; (e) to protect our rights, privacy, safety, or property and/or that of others; and (f) as necessary under applicable law, including laws outside your country of residence.
4.0. OTHER WEBSITES
We have taken certain physical, technical, and administrative steps to protect the information we collect from and about Site users. We encrypt sensitive information (such as credit card number and personal health information) provided. Please remember, though, that neither the transmission of information over the Internet nor the storage of information can ever be 100% secure. If you have reason to believe that your interaction with us is no longer secure please immediately notify us
We do not knowingly collect, use, or share the personal information of children under age 13 and this Site is not directed to individuals under 13. If we are made aware that we have collected personal information from an individual under age 13 we will delete this information as soon as possible.
7.0. CHOICES AND ACCESS
Residents of certain countries, including European Union member states (and the United Kingdom), may have additional rights listed under “Non-Kenya Residents” below.
To stop receiving marketing e-mails from us, please contact us. Even if you unsubscribe, we may still send administrative (i.e., non-marketing) messages. To unsubscribe from a third party’s communications, contact that third party directly or follow the instructions to unsubscribe in the applicable marketing e-mail.
To opt-out of our sharing of your personal information with third parties for their own marketing purposes, contact us with your name, address, and phone number and request that we suppress your personal information going-forward. The e-mail address you use to send the e-mail must match the e-mail address in our records. Please note that we will not be able to remove your personal information from the third parties’ databases and you will need to contact them directly and/or use any available opt-out mechanisms.
You may ask whether we hold any of your personal information (or request its deletion) by contacting us and providing your name, address, and phone number. The email address you use to send the e-mail must match the e-mail address in our records.
8.0. RETENTION PERIOD
We will retain your personal information for as long as is needed to provide you with our products and services unless a longer retention period is required or permitted by law. Personal information of non-Kenya residents will be stored for six years unless otherwise required for legal purposes or as set forth in “Non-Kenya Residents” below.
9.0. OPERATION OF OUR SITE AND BUSINESS
Our Site and business are operated in Kenya. If you are located outside of Kenya any information you provide to us will be transferred to and processed in Kenya. By using this Site or providing us with your personal information, you consent to have your personal information transferred to and processed and stored in Kenya in the absence of adequacy the decision or the appropriate safeguards set forth in General Data Protection Regulation.
10.0. NON-KENYA RESIDENTS
For Non-Kenya Residents, Insurenow Insurance Agency is the data controller responsible for your personal information collected under these Terms and Conditions. In addition, you have the following rights with respect to the personal information collected from and about you on this Site:
- The right to request access to such personal information.
- The right to request the correction, erasure, and/or restriction of processing of such personal information.
- In some instances, the right to object to the processing of such personal information.
- In some instances, the right to request that Insurenow Insurance Agency export, in a structured, commonly used, and machine-readable format, and transmit to another controller, such personal information.
- The right to withdraw, at any time, any consent to the processing of such personal information.
To exercise these rights, please contact us.
11.0. YOUR KENYA LAWS PRIVACY RIGHTS
Kenya Laws law allows Site users that reside in Kenya Laws to ask for information about our practice of sharing your personal information with third parties for their own marketing purposes. We are not obligated to respond to more than one request per the calendar year. These Terms and Conditions details the types of information we collect and when we share such information, but if you are a resident of Kenya Laws and would like to know the specific companies with whom we shared your personal information and the categories of the information we shared, please send us an email. Alternatively, you may send a written request to the following address:
Quality Centre, Suite 15, South B
P O Box 60653 - 00200 Nairobi, Kenya
12.0. CHANGES TO THESE TERMS AND CONDITIONS
We may amend these Terms and Conditions from time to time. When we do, we will post an updated version of these Terms and Conditions and revise the “LAST UPDATED” date at the top. If we change these Terms and Conditions in any material way, we will provide appropriate notice to you. Using this Site after any changes are made means you accept those changes and the revised Terms and Conditions.
For purposes of these Terms and Conditions, “you” or “your” means the person(s) using this Site or the products or services offered through this Site. “Insurenow Insurance Agency,” “us,” or “we” includes (but is not limited to) Insurenow Insurance Agency and InsureKenya.com is the parties responsible for the management of the jointly-used information.
14.0. DISPUTE RESOLUTION
You have the right to submit feedback about these Terms and Conditions, or the practices described in it, to the applicable supervisory authority in your jurisdiction of residence. For Kenya residents, this is/includes the Federal Trade Commission and/or your state Attorney General. For Non-Kenya residents this is/includes the Data Protection Authority in your country of residence.
If you have any questions about these Terms and Conditions or for any other general inquiries, please contact us at:
Quality Centre, Suite 15, South B
P O Box 60653 - 00200 Nairobi, Kenya