Privacy Policy

This Privacy Policy between Noor Takaful Insurance Limited of 170, Gbagada Express Way, Gbagada-Lagos (hereinafter referred to as Noor Takaful) and you, constitutes our commitment to your privacy on our administrative records, websites, social media platforms, and premises.

This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing, and protection of your personal information. It applies to the Noor Takaful website and all database applications, services, tools, and physical contact with us regardless of how you access or use them.

If you have created a username, identification code, password, or any other piece of information as part of our access security measures, you must treat such information as confidential, and you must not disclose it to any third party. We reserve the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Conditions. If you know or suspect that anyone other than you knows your security details, you must promptly notify us at: help@noortakaful.ng

You accept this Privacy Policy when you give consent upon access to our platforms, or use our services, content, features, technologies, or functions offered on our website, digital platforms or visit any of our offices for official or non-official purposes (collectively “Noor Takaful services”). This Policy governs the use of Noor Takaful services and intervention projects by our users and stakeholders unless otherwise agreed through written contract. We may amend this Privacy Policy at any time by posting a revised version on our website, or placing such notice at conspicuous points at our office facilities. The revised version will be effective 7-days after publication.

When you use Noor Takaful Services, we collect information sent to us by your computer, mobile phone, or other electronic access devices. The automatically collected information includes but is not limited to data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, standard web log data, still and moving images.

We may also collect information you provide us including but not limited to information on web forms, survey responses, account update information, email, phone number, organization you represent, official position, correspondence with NOOR TAKAFUL support services and telecommunication with NOOR TAKAFUL.

We may also collect information about your transactions, inquiries, and your activities on our platform or premises. We may also use information provided by third parties like social media sites. Information about you provided by other sites are not controlled by NOOR TAKAFUL, and we are therefore not liable for how they use it.

What We Do with Your Personal Information
The purpose of collecting your personal information is to provide you with efficient, enjoyable, and secure service. We may use your information to:

• Provide NOOR TAKAFUL services and support;
• Process applications and send notices about your transactions to requisite parties;
• Verify your identity;
• Resolve disputes, collect fees, and troubleshoot problems;
• Manage risk, detect, prevent, and remediate fraud or other potentially prohibited or illegal activities;
• Detect, prevent or remediate violation of laws, regulations, standards, guidelines, and frameworks;
• Improve NOOR TAKAFUL Services by implementing aggregate customer or user preferences;
• Measure the performance of NOOR TAKAFUL Services and improve content, technology, and layout;
• Track information breaches and remediate such identified breaches;
• Manage and protect our information technology and physical infrastructure;
• Contact you at any time through your provided telephone number, email address, or other contact details;

Cookies are small files placed on your computer’s hard drive that enable the website to identify your computer as you view different pages. Cookies allow websites and applications to store your preferences in order to present content, options, or functions that are specific to you. Like most interactive websites, our website uses cookies to enable the tracking of your activity for the duration of a session. Our website uses only encrypted session cookies which are erased either after a predefined timeout period or once the user logs out of the platform and closes the browser. Session cookies do not collect information from the user’s computer. They will typically store information in the form of a session identification that does not personally identify the user.

We store and process your personal information on our computers in Nigeria. Where we need to transfer your data to another country, such country must have an adequate data protection law. We will seek your consent where we need to send your data to a country without an adequate data protection law. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.

During your interaction with our website or premises, we may provide other Insurance Companies, Ministries, Departments, Agencies (MDA), other organs of government, private sector operators performing government functions, with information such as your name, contact details, or other details you provide us for the purpose of performing our statutory mandate to you or third parties.

We work with third parties, especially Insurance Companies, Brokers, and Reinsurance Companies to perform NOOR TAKAFUL services and implement its mandate. In doing so, a third party may share information about you with us, such as your email address or mobile phone number.

You accept that your pictures and testimonials on all social media platforms about NOOR TAKAFUL can be used for limited promotional purposes by us. This does not include your trademark or copyrighted materials. From time to time we may send you relevant information such as news items, enforcement notices, statutorily mandated notices, and essential information to aid the implementation of our mandate. We may also share your personal information in compliance with National or international laws; crime prevention and risk management agencies and service providers.

We will always hold your information securely. To prevent unauthorized access to your information, we have implemented strong controls and security safeguards at the technical and operational levels. This site uses Secure Sockets Layer/Transport Layer Security (SSL/TLS) to ensure secure transmission of your personal data. You should see the padlock symbol in your URL address bar once you are successfully logged into the platform. The URL address will also start with https:// depicting a secure webpage. SSL applies encryption between two points such as your PC and the connecting server. Any data transmitted during the session will be encrypted before transmission and decrypted at the receiving end. This is to ensure that data cannot be read during transmission.

NOOR TAKAFUL has also taken measures to comply with global Information Security Management Systems (ISMS) we therefore have put in place digital and physical security measures to limit or eliminate possibilities of data privacy breach incidents.

Your information is regarded as confidential and will not be divulged to any third party except under legal and/or regulatory conditions. You have the right to request sight of your information which we hold, rectify any inaccuracies, and request deletion of personal information if deemed unnecessary.

We may update or modify this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Please review the Privacy Policy periodically for any changes. Continued use of Noor Takaful Services after changes to the Privacy Policy will indicate your acknowledgment of the updated terms.