CoverIQ Privacy Policy

About CoverIQ

CoverIQ is a digital insurance comparison and distribution platform operated by Upstreet Insurance Agency. Upstreet Insurance Agency is regulated by the Insurance Regulatory Authority (IRA), Kenya.

This Privacy Policy explains how we collect, use, protect and manage your personal information when you use CoverIQ to compare insurance, request quotations or contact an adviser.

Information we collect

• •Quotation requests: ages of family members, family composition, selected benefits, preferred inpatient limits and other details you enter to generate indicative quotes.
• •Adviser requests: your name, phone number, email address (if provided) and the insurance category or product you are interested in.
• •Contact form submissions: your name, email, phone and the message you send us.
• •Analytics and attribution: pages visited, referral source and marketing parameters (such as UTM tags or ad click identifiers) that help us understand how visitors find and use CoverIQ.
• •Technical data: browser type, device type and similar information collected automatically when you use the platform.

Why we collect your information

• •To generate indicative insurance quotations based on the details you provide.
• •To facilitate insurance quotations by passing relevant information to participating insurers and necessary service providers.
• •To respond to adviser requests and contact form enquiries.
• •To improve our platform, services and the accuracy of the quotations we provide.
• •To comply with legal and regulatory obligations.

Use of data to obtain or facilitate quotations

When you request a quotation, we use the information you provide to calculate indicative premiums using available insurer rates. To proceed with an application or obtain a binding quotation, relevant details may be shared with the participating insurer whose product you select.

Sharing with insurers and service providers

We may share your personal information with participating insurers, to facilitate quotations, applications and policy placement, and with service providers who help us operate CoverIQ, such as hosting, analytics and communication tools, each under appropriate safeguards.

We do not sell your personal information.

Consent and other applicable processing grounds

We process your personal information based on your consent, which you give when you submit a quotation request, adviser request or contact form, or when you agree to be contacted; the need to take steps to facilitate an insurance quotation or application at your request; our legitimate interests in operating and improving CoverIQ; and compliance with legal and regulatory obligations.

Data retention

We retain personal information for as long as necessary to provide our services, respond to your enquiries and comply with legal and regulatory requirements. When information is no longer needed, we delete it or anonymise it, subject to any legal retention requirements.

Security safeguards

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, loss or misuse. These include secure data storage, access controls and regular review of our systems.

Cookies and analytics

CoverIQ uses cookies and similar technologies for analytics and to remember your session. We use analytics tools to understand how visitors use the platform. You can control cookies through your browser settings.

Your data protection rights

You have the right to access the personal information we hold about you, request correction of inaccurate or incomplete information, object to or restrict certain processing of your information, and request deletion of your personal information, subject to legal and regulatory obligations.

To exercise any of these rights, contact us using the details below.

How to withdraw consent

You can withdraw your consent to our use of your personal information at any time by contacting us using the details below. Withdrawing consent will not affect the legality of any processing carried out before withdrawal.

Complaints to the Office of the Data Protection Commissioner

If you are not satisfied with how we handle your personal information, you have the right to lodge a complaint with Kenya’s Office of the Data Protection Commissioner (ODPC).

Updates to this policy

We may update this Privacy Policy from time to time. Changes take effect when the updated policy is published on CoverIQ. We encourage you to review this page periodically.