This Privacy Policy is published in compliance with the Nigeria Data Protection Act (NDPA) 2023, the Nigerian Insurance Industry Reform Act (NIIRA) 2025, and all applicable regulations issued by the National Insurance Commission (NAICOM) and the Nigeria Data Protection Commission (NDPC).

1.1 Introduction

Myka Insurance Brokers (“we,” “our,” or “us”) is a NAICOM-licensed insurance broker operating a digital insurance distribution platform through its website (www.myka.insure), mobile applications (the Myka Consumer App and Myka Partner App), and related services (collectively, “the Platform”). By using the Platform and/or registering an account, you authorise Myka, including its authorised representatives and insurance underwriter partners, to contact you via email, telephone, SMS, WhatsApp, or push notifications to provide insurance-related services, process your transactions, and share relevant product information as permitted under applicable law.

1.2 Information We Collect

We collect information when you register on our Platform, use our products or services, visit our website, interact with our Partner App agents, or otherwise communicate with us. The categories of information we collect include:

Personal Identification Information:

Full name, date of birth, gender, email address, phone number, residential address, and National Identification Number (NIN) as required by NAICOM directives.

Know Your Customer (KYC) Data:

NIN verification data, photograph for identity comparison via our KYC verification partners (such as QoreID), Liveness Detection Recordings (short video or periodic photo sequences to confirm physical presence), and CAC documents for corporate clients, in compliance with Section 64(4) of the NIIRA 2025.

Insurance-Related Information:

Vehicle details (make, model, year, registration number), device details (IMEI number, brand, model, storage capacity), claims history, existing insurance policy details, and any information necessary for underwriting and claims processing.

Financial Information:

Payment card details (processed securely through Paystack), bank account information, transaction records, and premium payment history.

Technical Data:

IP address, browser type, device type, operating system, app version, location data (where permitted), and usage analytics.

1.2A Customer Consent Through Partner and Agent Onboarding

Where insurance onboarding is facilitated by authorised Myka agents, representatives, dealerships, partners, or other approved channels, customers are provided with applicable privacy notices and information regarding the collection, use, disclosure, and protection of their personal data prior to the submission of such information.

Myka may obtain and record customer consent through various electronic, digital, verbal, written, or other legally recognised methods, including acknowledgements, confirmations, declarations, authentication mechanisms, electronic records, signatures, or other verification processes as may be implemented from time to time.

Where onboarding is conducted through authorised agents or partners acting on behalf of Myka, such parties are required to comply with applicable confidentiality, privacy, security, and data protection requirements when collecting, processing, transmitting, or otherwise handling customer information.