Our Privacy Policy

We collect information that is necessary to provide you with insurance quotes, manage your policies, process claims, and comply with regulatory requirements. This includes:

• Identity Details: Full name, date of birth, gender, National ID or Passport number, KRA PIN, and occupation.
• Contact Details: Phone number, email address, physical address, and postal address.
• Insurance-Specific Information: Vehicle logbook details, driving history, medical history, business operations, asset valuations, and property details relevant to your coverage.
• Financial Information: M-Pesa transaction details, bank account information, and payment history needed to process premium payments.
• Claims History: Past insurance claims made by you or related to the insured assets or individuals.
• Technical Information: IP address, browser type, operating system, device information, and pages visited on our website, collected automatically through cookies and similar technologies.

We collect this information directly from you when you complete forms on our website, communicate with us via phone, email, or WhatsApp, or interact with our team in person.

Your personal information is used solely for legitimate business purposes related to providing insurance and risk advisory services. We use your data to:

• Provide you with accurate insurance quotations across our network of leading underwriters.
• Compare insurance products and recommend the most suitable coverage for your needs.
• Arrange, process, and manage your insurance policy on your behalf.
• Process premium payments and issue certificates, policy documents, and renewal notices.
• Assist you with claims, liaise with insurers, and advocate on your behalf throughout the claims process.
• Communicate with you regarding quotes, policies, renewals, claims, and other service-related matters.
• Improve our website, products, and customer service through analytics and feedback.
• Meet our legal and regulatory obligations, including those under the Insurance Regulatory Authority (IRA) of Kenya and the Kenya Data Protection Act, 2019.
• Prevent fraud and verify your identity when required.

We do not use your information for automated decision-making or profiling that produces legal or similarly significant effects without your explicit consent.

As an independent insurance agency, we share relevant information with partner underwriters and service providers to fulfil your insurance needs. We may share your information with:

• Insurance Underwriters: The insurance companies we partner with to provide your coverage. They require specific information to underwrite, price, and issue your policy, as well as to process any claims.
• Regulatory Bodies: The Insurance Regulatory Authority (IRA) of Kenya and other government agencies where required by law.
• Service Providers: Trusted third parties who support our operations, including payment processors, IT service providers, document management systems, and communication platforms.
• Professional Advisers: Lawyers, auditors, and other professional advisers where necessary for legitimate business purposes.

We do not sell your personal information to third parties for marketing purposes. Any sharing of your information is strictly for the purpose of delivering the insurance and advisory services you have requested.

All our third-party service providers are bound by strict confidentiality agreements and are required to comply with applicable data protection laws.

In some cases, your personal information may be transferred to, stored at, or processed in jurisdictions outside Kenya. This may occur when:

• We use global service providers (e.g., cloud hosting, email platforms) that operate internationally.
• Your insurance policy involves a multinational underwriter or international coverage (e.g., travel insurance, marine insurance).

When we transfer your data internationally, we ensure appropriate safeguards are in place to protect your information, including:

• Standard Contractual Clauses approved by relevant data protection authorities.
• Ensuring our service providers are certified under recognized data protection frameworks.
• Conducting due diligence to ensure recipients implement adequate data protection measures.

You have the right to request information about the safeguards used for international data transfers.

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

• Provide the insurance and advisory services you have requested.
• Comply with our legal and regulatory obligations, including those under the Insurance Act, the Kenya Data Protection Act, and directives from the Insurance Regulatory Authority (IRA).
• Resolve disputes and enforce our agreements.
• Maintain accurate records for audit and compliance purposes.

Generally, we retain your data for a period of seven (7) years after the expiry of your policy or the conclusion of our professional relationship, in line with industry best practices and regulatory requirements. After this period, your data will be securely anonymised or deleted, unless there is a specific legal or regulatory reason to retain it for longer.

At Precise Insurance Agency, we take the security of your personal information seriously. We implement comprehensive technical and organisational measures to protect your data against unauthorised access, loss, misuse, alteration, or destruction. These include:

• Encryption: All data transmitted between your browser and our website is secured using industry-standard SSL/TLS encryption.
• Access Control: Access to your personal information is restricted to authorised personnel only, on a need-to-know basis.
• Secure Infrastructure: We use reliable, secure hosting environments with firewalls, intrusion detection systems, and regular security audits.
• Staff Training: Our team undergoes regular training on data protection and privacy best practices.
• Incident Response: We have established protocols for responding to data breaches and will notify affected individuals and relevant authorities as required by law.

While no method of transmission over the internet or electronic storage is completely secure, we continually strive to improve our security measures to protect your information.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or regulatory guidance. Any significant changes will be communicated through our website, and we will update the "Last updated" date at the top of this page.

We encourage you to review this page periodically to stay informed about how we protect your privacy. Your continued use of our services after any changes indicates your acceptance of the updated policy.

If you have any questions about this Privacy Policy, our data protection practices, or wish to exercise any of your rights, please contact us at:

• Email: info@preciseinsurance.co.ke
• Phone: +254 726 439 278
• Address: Rongai Building, 2nd Floor, Kona Beach, Diani Beach Road, Ukunda, Kwale County, Kenya

Data Protection Officer: We have designated a Data Protection Officer (DPO) to oversee our data protection compliance. You can reach our DPO at dpo@preciseinsurance.co.ke.

We are committed to addressing your questions and concerns promptly and transparently.