Privacy Policy

1. Who we are

our platform is an insurance broker operating in Ghana. Ask us for our current National Insurance Commission licence details and we will give you the number on file, which you can verify directly with the Commission.

our platform is the data controller for the personal data described in this policy, and handles it under the Ghana Data Protection Act 2012 (Act 843). Ask us and we will give you our Data Protection Commission registration details.

2. What we collect

When you request a quote, buy a policy, or contact us, we collect: name, email, phone number, date of birth, address, and information about what you're insuring (e.g. vehicle details, business details, health declarations). We may also collect ID documents required to comply with KYC and insurer requirements.

We do NOT collect payment card numbers — those go directly to our payment partners (MojoPay, Mobile Money operators) and our platform never sees them.

3. How we use it

We use your data to: (a) generate quotes from our partner insurers, (b) issue and manage your policy, (c) process and pay claims, (d) communicate with you about your cover, and (e) comply with regulatory requirements (NIC, FIC, and tax).

We do not sell your data. We do not use your data for advertising profiling.

4. Who we share it with

We share the minimum necessary data with: insurer partners (only for products you choose to buy or get quotes from), payment partners (to process payments), regulators (the National Insurance Commission) when legally required, and our hosting and infrastructure providers (Convex, Clerk, Vercel) under data-processing agreements.

Some of these providers process data outside Ghana. Where AI-assisted features are switched on for this site, the text of the request is also processed by our AI model provider outside Ghana under a data-processing agreement. Those features are off unless switched on deliberately, each one declares what it may read, and direct identifiers — Ghana Card and other ID numbers, dates of birth, bank and card details — are stripped before anything reaches the model.

5. Your rights

Under Ghanaian law you have the right to: access the data we hold on you, correct inaccurate data, request deletion (subject to insurance retention rules), object to processing, and lodge a complaint with the Data Protection Commission.

To exercise any of these rights, contact us and we will respond within 30 days.

6. How long we keep it

Policy, claim and payment records: at least six years after the transaction they relate to is completed. That floor is set by the Insurance Act 2021 (Act 1061), s.151(4), and applies whether or not you remain a customer.

Quote data not converted to a policy: 12 months. Marketing communications: until you unsubscribe. Records of who did what inside the platform are kept for our own retention period and, where they evidence a regulated transaction, for at least the same six years.

7. Security

We use industry-standard encryption in transit (TLS 1.2+) and at rest. Access to your data is restricted to our platform staff and partners with a legitimate need, all of whom are bound by confidentiality obligations.

8. Changes to this policy

We may update this policy from time to time. Material changes will be communicated by email to active policyholders. The latest version is always available at this URL.

9. Contact

Questions about your data: please reach us via our contact page.