We’re a licensed digital insurance technology and microinsurance company built to provide affordable, convenient, delightful and transparent insurance experience for Nigerians.
Because we are a fully licensed microinsurance company, unlike most insurtechs, we develop products, underwrite, process and pay claims in-house to provide a seamless, hassle-free and enjoyable insurance experience.
Casava is licensed by the Nigerian National Insurance Commission to provide General and Life Microinsurance services to Nigerians. Casava is also registered with the Corporate Affairs Commission (CAC) as a limited liability company.
Casava is primarily sold online through our website or our partners. Users are required to complete their registration and add their card details. Additionally, within 30 days, users are required to complete their verification.
We will never share, sell or use your personal information with anyone or any entity except for the purposes of insurance underwriting and provision of claims services. We value and respect your privacy
As a subscriber, you can pay by debit card during the registration process or add a new debit card in your Casava account. Your first month subscription is free.
If your debit card is declined, we’ll inform you and try again a few days later. You can also provide us with a different card in your Casava account. However, after a grace period of 2 weeks, your account and coverage will be paused and you will not be able to make a claim.
For the purpose of this policy, “Site” refers to Casava’s website which can be accessed at http://casava.co/; or our mobile application; “Service(s)” refers to Casava’s products and services accessed via the Site and any other platform Casava may use.
• What Personal Information do we collect?
Please note that we only collect Personal Information which you voluntarily submit to us to enable us adequately serve you. “Personal Information” is any information that personally identifies an individual or from which an individual could be identified. This may include your name, address, email address, telephone number and other information about you that you provide us through the registration process at the Site. We collect, use, store and transfer personal information to manage our relationship with our customers, employees, business partners and other third parties and to serve them better. We process personal information in compliance with the Nigeria Data Protection Regulation 2019 (NDPR). We may collect and process personal information through a variety of means, including, through your access to our Services on the mobile application or our website, employment processes, during conversations or correspondence with our representatives and comments on our websites or social media platforms. Also while using our mobile application, the following information may be collected from your device automatically: details of your device, unique device identifiers (IMEI or serial number), information about the SIM card, mobile network, operating system and browser settings. We may also require location information from your device GPS. You will be required to grant consent to enable the mobile application to access your mobile GPS. Turning off your location may render some of our Services unavailable. Furthermore, we may use in-app analytics technologies to help improve and simplify the overall app, design and Services. These tools track aggregated information about installations, in-app usage, performance measures, better reporting on application failures and uninstallations.
• What Non-Personal Information do we collect?
We collect information that cannot be used to personally identify you such as anonymous usage data, preferences you submit and preferences that are generated based on the data you submit.
To maintain and improve the quality of our Service to you, we track information provided to us by your browser when you view or use the Service, such as the type of browser you use, the device from which you connected to the Service, the time and date of access, and other information that does not personally identify you. We track this information using cookies. A cookie is a piece of information that is deposited on your computer’s hard drive by your web browser when you use our computer server. The cookies enable us to recognise you and give us information about your previous visits. We learn which advertisements bring more users to our mobile application or website. Most browsers accept cookies automatically, but usually, you can alter your settings to prevent automatic acceptance. If you choose not to accept cookies, this may disable some of the features of our application or website. Our servers may also automatically collect information about your computer when you visit our website, including the type of browser software you use, the operating system you are running, the website that referred you, and your Internet Protocol address.
• How do we use your Personal Information?
The personal information you supply is used to provide you with the Service you have requested; to respond to your inquiries, or in such other ways naturally associated with the circumstances in which you provided the information. For example, we may use your e-mail address to provide an update on our Services.
We also use the device information we collect to protect our customers from service-related crimes, improve the Services we offer and understand how our customers use our Services. We use the other information we collect for any lawful business purpose, (including without limitation to help diagnose problems with our servers, to gather broad demographic information and to otherwise administer our website).
• How do you consent to our use of your Personal Information?
b. the transfer of your information as described above; and
c. the processing of your information for marketing and advertising purposes.
• Does Casava share my information with others?
Casava retains service providers, suppliers, and partners to manage or support our business operations, provide professional services, deliver customer services and solutions, and otherwise process the information on our behalf. We may, therefore, share your personal information with these third parties solely for the purpose of providing our Services to you. We may also share anonymous and non-personally identifiable information with advertisers and marketers. However, it is our practice to require such service providers, suppliers and partners to handle personal data and other confidential information in a manner consistent with our policies. We reserve the right to use, transfer, sell and share aggregated, anonymous data about our customers as a group for any business purpose, such as analysing usage trends and seeking compatible advertisers and partners.
We may also share your information to satisfy legal or regulatory requirements but only to the extent required for that purpose.
• How long will your Personal Information be kept?
We take every reasonable step to ensure that the information we collect from you is only processed for the minimum period necessary for the purposes set out in this Policy.
We will retain your personal information only for as long as is necessary in connection with the purposes set out in this Policy, unless any applicable law requires a longer retention period. Also, we may retain your personal information for the duration of any period necessary to establish, exercise or defend any legal rights.
• Where will your Personal Information be kept?
• How is your Personal Information protected?
We restrict access to your information to our employees and others who require it to provide our products and Services. We also maintain electronic and procedural safeguards to protect your information.
Although we will endeavour to properly protect your information, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed while being transmitted or while stored on our systems. By using our Service, you acknowledge that you understand and agree to assume these risks. In the unlikely event that we believe that the security of your information in our possession or control may have been compromised, we may seek to notify you. If notification is appropriate, we may notify you by e-mail, provided we have your e-mail address.
In addition, your account is protected by your account password. Please ensure you do not disclose your password to third parties, and you log out of your account after each use.
• How can you prevent the use of Personal Information?
You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication to you, you may choose to opt-out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail.
• What are your rights in relation to your Personal Information?
Your information is protected under the NDPR and your rights are stated in it. You are entitled to request details of the information we hold about you and how we process it. You also have a right to: (i) have the information we hold about you rectified or deleted; (ii) restrict our processing of that information; (iii) stop unauthorised transfers of your personal information to a third party; and (iv) in some circumstances, to have personal information relating to you transferred to another organisation. You also have the right to lodge a complaint in relation to our processing of your personal information with a regulatory authority.
• Other Links / Sites
Our mobile application or website may contain links to other third-party websites that we do not control or maintain. We are not responsible for the privacy practices employed by those third-party. We will notify you once you are leaving our website to enable you to decide whether to proceed or not. We advise you to read the privacy statements of all third-party websites before submitting any personal information.
• CONTACT DETAILS
You may contact our data privacy team via the following email address [email protected]