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1. Introduction

MyCoverGenius Limited (“MCG”, “we”, “our”, “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, disclose, and safeguard your information when you use our platforms, products, and services. By using our website, mobile application, or any of our services, you consent to the practices described in this policy.

2. Information We Collect

We collect different types of information to provide our services effectively and comply with regulatory requirements:

2.1 Personal Information

  1. Full name
  2. Email address
  3. Phone number
  4. Gender
  5. Date of birth
  6. Residential address
  7. National Identification Number (NIN)
  8. Corporate Affairs Commission (CAC) details for businesses
  9. Next of kin or beneficiary information (where applicable)

2.2 Usage Information

  • Device information (type, OS version, unique device identifiers)
  • Log data and activity within the app
  • IP address and general device data
  • Usage analytics (e.g, how you navigate and use the platform to help us improve features and services)
  • Push notification tokens (for sending relevant alerts, reminders, and updates)

2.3 Location Data

  • For identity verification and regulatory compliance, we collect data from official sources, including NIN records, CAC (for corporate accounts), and other KYC tools. This may include biometric-linked data from NIMC verification services.

3. How We Collect Information

We collect data through:

  1. Direct input: When you register, purchase plans, submit claims, or contact support.
  2. Automated technologies: When you interact with our website or app (cookies, analytics tools, etc.).
  3. Third parties: Verification service providers, analytics platforms, and regulatory bodies.

4. How We Use Your Information

We use your information to:

  1. Create and manage your account or policy
  2. Verify identity and perform KYC checks
  3. Deliver insurance products and services
  4. Process payments and manage subscriptions
  5. Send important service updates, push notifications, and reminders
  6. Handle claims processing and regulatory reporting
  7. Improve our platform through usage analytics and feedback
  8. Comply with legal and regulatory obligations

We do not sell your personal data.

5. Data Sharing & Disclosure

We may share your information with:

  1. Insurance partners and underwriters for policy issuance and claims settlement
  2. Regulatory bodies (e.g., NAICOM) as legally required
  3. Service providers that help us run operations (e.g., cloud storage, analytics, payment gateways, KYC providers)
  4. Third parties during mergers, acquisitions, or legal transfers, with appropriate safeguards in place

We ensure all partners comply with applicable data protection regulations and maintain confidentiality.

6. International Data Transfers

Some of our service providers and partners are located outside Nigeria. Where your personal data is transferred internationally, we implement appropriate safeguards (e.g., encryption, standard contractual clauses) to protect your information in line with the Nigeria Data Protection Regulation (NDPR) and other applicable laws.

7. How we use your personal information

We retain your personal data for as long as:

  1. You maintain an active account or policy with us
  2. Required to comply with legal, tax, and regulatory obligations
  3. Necessary to resolve disputes or enforce agreements

When you request account deletion:

  • Your account will be deactivated, and your personal information will be permanently deleted or anonymized within a reasonable period (except for any data that we are required to retain by law).
  • Some records (e.g., claims history, regulatory submissions) may be retained for the legally required retention period even after account deletion.

You can initiate deletion by contacting our support team at [email protected]

8. Children's Data

Our services are not directed at children under 18. However, dependents under 18 may be added to family plans by a parent or legal guardian.

  1. We collect limited personal information about dependents (e.g., name, age, gender, relationship to policyholder) only for policy and claims purposes.
  2. We rely on the consent and responsibility of the parent/guardian to provide and manage this data.
  3. We do not knowingly collect data directly from children under 18 without guardian consent.

9. Your Data Protection Rights

Under NDPR and other applicable laws, you have the right to:

  1. Access your personal data
  2. Request correction or updates
  3. Request deletion (subject to legal exceptions)
  4. Withdraw consent at any time
  5. Object to processing for certain purposes
  6. Lodge complaints with regulatory authorities

To exercise any of these rights, contact us at [email protected]

10. Data Security

We use administrative, technical, and physical security measures to protect your data, including encryption, secure storage, access controls, and regular security audits. While we strive to protect your information, no system is completely secure.

11. Updates to This Policy

We reserve the right to update this Privacy Policy periodically. Changes will be posted on this page with an updated Effective Date. We encourage you to review this policy regularly to stay informed.

12. Contact Us

If you have any questions, complaints, or concerns about this Privacy Policy or our data practices, contact us at:

MyCoverGenius

Address: Venia Place, Plot 8, Providence Street, Lekki Phase 1, Lagos, Nigeria

Customer Care Hotline: 08099988005

Email: [email protected]