We, Naked Financial Technology (Pty) Limited ("NFT" "We", "Us" and "Our") and our partners value and respect the importance of protecting personal information.
This privacy policy ("this Policy") outlines which information We collect when you ("You", "Your") access or use Our mobile application ("the App"), the website available at www.naked.insure ("the Website") and the associated insurance products and services provided by Us ("Services"), and how We protect and use that information.
By using and/or accessing the Website and/or App and/or Services You expressly consent to Us collecting and processing the personal information which You provide to Us. Any personal information that You give to Us will be treated as confidential and sensitive information.
For the purpose of this Policy, personal information is all information specific to You that is voluntarily provided to Us by You, or otherwise received through, our Website, App, email, helpdesk or any other channel. By providing this information, You consent to NFT storing Your personal information for the purposes of Your Policy.
This information may include, but is not limited to, Your:
name and surname;
physical address;
identity number;
email address;
contact number;
vehicle details, including details of its use and regular location;
insurance history (details of previous cover and claims); and
password and username.
We may also collect and process data relating to Your visits to Our Website and/or App including, but not limited to, traffic data, location data, weblogs and other communication data.
You undertake that any information provided to Us by You is complete, accurate and not misleading. You also undertake that should any of this information change, You will take the necessary steps to update it. If You need to update your personal information, You will need to reach out to help@naked.insure.
In the event that You are providing Us with the personal information of someone else, You acknowledge that You have their consent to provide Us with such information so that we may use this information in accordance with this Policy.
We will only disclose personal information to others where it is necessary to conduct Our business or is required by law, or as otherwise agreed with You. The instances when We would disclose the personal information obtained from You include:
transmitting Your personal information to Our service providers as required to process a quotation for and/or administer the Services;
obtaining Your information relating to previous insurance from credit bureaus as necessary;
obtaining or verifying Your information with the National Traffic Information System (eNatis);
as required by regulatory authorities or to comply with any regulation or legal process;
where NFT, acting in good faith, is of the view that disclosure is necessary to protect or defend Our rights or property, or those of its partners, clients, agents, employees or third party service providers; or
where NFT undergoes a change in ownership, for the sole purpose of the new owner being able to continue operating the business
Your personal information is provided to Us voluntarily by You, and in doing so You consent to NFT storing this information for the purposes of Your Policy. NFT will ensure that it has in place and continues to maintain appropriate and reasonable precautions and measures in accordance with the requirements of applicable laws to protect Your personal information from being unlawfully accessed or processed by any third party. We will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Policy.
NFT makes use of a payment gateway to process all payments. When purchasing Naked Insurance, You voluntarily provide Your card details which are stored by the payment gateway, which will protect Your personal information by maintaining physical, electronic and procedural safeguards in compliance with the Payment Card Industry Data Security Standards.
In purchasing Naked Insurance, You understand that You are consenting to the storage of Your credentials by both the payment gateway and NFT solely for the purpose of processing future recurring and unscheduled payments.
An unscheduled payment is triggered by You either when You initially purchase cover on the Website and/or App, or when You make use of the self-collect feature in the App. An unscheduled payment is triggered by Us whenever a change is made to your policy that will impact your monthly premium, and a recurring payment is triggered by Us whenever We collect your monthly premium. These credentials are stored to provide greater visibility for all parties into transaction processing to identify initial storage and subsequent usage of stored credentials to determine the risk level, and are stored for 14 months.
All personal information which You provide to NFT will be stored on servers in South Africa or in other locations where it is adequately protected. Should NFT transfer Your personal information from one country to another country, We shall take reasonable and appropriate measures to protect such personal information.
The Website and App make use of Cookies in order to provide You with relevant content and the best experience possible whilst using the Website and/or App. At any stage during Your use of the Website and/or App You may choose to block the Cookies used by NFT, however this may impact your use or experience of the Website and/or App.
NFT will not sell your personal information to any party, or provide it to any party for their marketing/advertisements.
Your personal information may be used by NFT to provide you with offers for our service which may be relevant to you. At any point you may choose to completely opt out of your information being used for this purpose.
When You visit the Website and/or App or send emails to Us, You consent to receiving electronic communications from Us in accordance with this Policy. You may, at any point, unsubscribe from electronic communications from NFT.
If You request, We will delete or anonymise your personal data so that it no longer identifies You, unless We are legally allowed or required to maintain certain personal data, including situations such as the following:
If You have an active insurance contract, We have to maintain Your details in order to administer said policy;
If there is an unresolved issue relating to Your account, such as an outstanding or an unresolved claim or dispute, We will retain the necessary personal data until the issue is resolved;
Where We are required to retain the personal data for our legal, tax, audit, and accounting obligations, We will retain the necessary personal data for the period required by applicable law; and/or,
Where necessary for Our legitimate business interests such as fraud prevention or to maintain the security of Our users.
If You would like access to records of information held by Us, please request access in accordance with Our PAIA Manual.
We reserve the right to amend this Policy from time to time and You agree to review the terms of this Policy whenever You visit the Website and/or use the App to check for any such amendments.
Questions, comments and requests regarding this Policy should be addressed to help@naked.insure.
Date of last update: 23/05/2023