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BimaExchange Privacy Policy

BimaExchange values its relationship with you. Protecting the privacy of your information is of the greatest importance to us. As an insurance service provider, we are regulated by laws protecting the confidentiality and security of your information, as well as our use and disclosure of it. Whether you are a current, former, or potential customer, BimaExchange treats your information with the same high level of confidentiality and security.

Our Use And Disclosure of Information

At BimaExchange, we gather information about you that may be used including in connection with your application for a quote, to process and service your insurance policy, settle your claims and offer you additional products and services that we think may be of interest to you, for research and analytics purposes, and as permitted or directed by you. If you apply for a quote for yourself and any other person(s), we also may gather, use and share such person's/persons' information in the same manner.

Information We Collect From You

This includes information you provide us on the Internet, by phone, via a mobile application, by email, through our service providers, or by any other means. Examples of such information may include your name, address, residence information, telephone number, email address, vehicle information, ID number, driver's license number, driving history, claims history, current or former insurance information, medical information, gender, educational background, date of birth, marital status and BimaExchange Web pages visited.

Information We Collect From Third Parties

This includes information we collect from affiliated and nonaffiliated third parties, including but not necessarily limited to insurance support organizations and, consumer reporting agencies. It may include information such as vehicle reports, consumer credit information, demographic information, insurance histories, and insurance claims reports. Information obtained from insurance support organizations may be retained by such organizations and disclosed to other persons as permitted by law.

Information About Your Transactions

This includes information about your transactions with us and others, including our affiliates. It includes information such as your policy coverage levels, account balances, claims history, and billing information.

Information We Disclose

Information about our current, former, or potential customers may be disclosed, but only as permitted or required by law, or as permitted or directed by the customer or consumer.

For example, we may disclose such information to affiliated and nonaffiliated insurance companies, insurance agents, reinsurance companies, insurance support organizations, such as consumer reporting agencies, government entities, and claims administrators. We may also disclose such information to nonaffiliated third parties that perform services or functions on our behalf including the marketing of our products or services. Further, we may also disclose such information as necessary to effect, administer or enforce a transaction that you request or authorize, or in connection with servicing or processing a transaction that you request or authorize.

The following are examples of situations in which we may disclose such information:

Your information may be passed between us and our brokers, agents, appraisers, attorneys, investigators, and others who may be involved in the sales and marketing of BimaExchange products and services, processing of applications, and servicing of policies or claims.

We provide your policy information to adjusters and other appropriate business entities that make any necessary repairs to your vehicle or property insured by us when you have a claim.

We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and consumer reporting agencies.

We may supply information as required by search warrant, subpoena, or legal process, to Government insurance departments, or other law enforcement or government authorities when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities.

If we collect your information as an agent for one of our business partners, we may use it to contact you or make you an offer regarding insurance products that may be of interest to you.

BimaExchange Communications

BimaExchange may contact you regarding your policy and our products and services, such as insurance rate quotes, billing notices, confirmations of changes, changes to our products, and other BimaExchange-specific communications. You may NOT unsubscribe from these BimaExchange-specific communications that relate to your primary usage of our service and products, and you agree to receive these communications if you make a purchase.

When you quote or become a policyholder with us, BimaExchange may contact you about third-party promotions, our products and services and other information that may be useful to you. In addition, prior to purchasing a policy or after canceling your policy, BimaExchange may contact you to confirm your quote or invite you to come back and get a new quote or to purchase a policy. You will have the ability to unsubscribe from whichever type of communication you received.

Confidential and secure web environment

BimaExchange is strongly committed to protecting the confidentiality and security of your information against unauthorized access and disclosure. We only disclose your information to our personnel, our affiliates' personnel, others who need to know that information to service your account, and as otherwise permitted or required by law. We maintain strict physical, electronic, and procedural safeguards to protect your information.

Separate from information you provide to us individually via our website, BimaExchange uses web beacons on our website and in our emails to collect general information about visits to our website as part of our business tracking. This information is used to enhance your website experience and includes, for example, data regarding how you linked to our website, your Internet protocol (IP) address, your browser and/or device type, and your time of visit. This information does not include your name, address, telephone number or email address. BimaExchange may use third-party web analytic and advertising services to assist with collecting and tracking of this information.

In addition, BimaExchange’s third-party ad servers may use technology that includes web beacons on websites on which we advertise, to support site tracking, measure site performance, enhance your website experience, and for product marketing. For example, one of our third-party ad servers may place a cookie via a web beacon on your computer that helps to identify your computer when you arrive at or return to our site, to personalize aspects of your experience at our site, and to better understand how visitors like you in aggregate are using our site, all of which helps us to continually improve the experience on our site. These web beacons do not collect personally identifiable information (such as your name, address, telephone number or email address).

Another use of web beacons and cookies is for BimaExchange to advertise on other websites. In this common practice (sometime referred to as re-targeting), our third- party ad server or an advertising vendor may use beacons to place cookies on your computer when you visit the BimaExchange websites, in order to display BimaExchange advertising messages to you later on other websites. We do not allow those third party ad servers or advertising vendors to use beacons on our site to place cookies that will be used to display advertising for any companies other than BimaExchange.

Links to Other Companies on the BimaExchange Website

The BimaExchange Web site contains links to our business partners and links to other sites offering valuable information. If you choose to provide any information to any of these entities, the collection and disclosure of your information by that entity will be governed solely by that entity's privacy policy. BimaExchange makes no representations or warranties regarding these sites.

Reviewing or Modifying Your Information

As a policyholder, you can always review and update your information through your account on our Web site at www.bimaexchange.com or by calling our customer service center. All consumers have the right to know the information that BimaExchange has about them, to make changes to that information, and to know the identity of any entity that BimaExchange has disclosed that information to within the previous two years. To make such an inquiry please call our customer service center or write to the address listed below and identify the information you would like. You will be required to provide certain information for identity verification purposes. If your information is immediately accessible when you call, the customer service representative will review it with you and you may make changes to it at that time.

If your information is not immediately accessible when you contact us, within 30 business days, BimaExchange will inform you of the types of information we have about you. If you would like to further review the information, you may review and copy the information in person at our customer service center or request a copy be sent to you by mail. BimaExchange may charge a fee for providing a copy by mail. If you are under 18 and make a comment on the BimaExchange Blog (http://blog.bimaExchange.com/or anywhere else on our website that allows visitors to post comments, you may ask us to remove your comment by writing to privacy@bimaExchange.com Please note that your request does not ensure complete or comprehensive removal of the content or information. For example, some of your content may have been reposted by another user.

For additional assistance, please contact us at the address below:

Information Request

BimaExchange Customer Service
P.O. Box 2471-00606
Nairobi, Kenya
Privacy Matters
BimaExchange Customer Service
P.O. Box 2471-00606
Nairobi, Kenya

BimaExchange may modify this privacy policy from time to time, and the current version is always available at www.bimaExchange.com. If significant changes are made to this privacy policy BimaExchange will notify its policyholders.