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.

1.3 How We Use Your Information

We use your personal information for the following purposes:

• To provide insurance quotation, comparison, purchase, and renewal services;
• To process and facilitate insurance claims on your behalf;
• To fulfil our regulatory obligations under the NIIRA 2025 and NAICOM guidelines;
• To verify your identity through KYC processes as mandated by NAICOM;
• To perform identity validation via liveness detection to prevent identity theft and "deepfake" fraud;
• To communicate service updates, policy reminders, renewal notices, and claims status;
• To improve the functionality and user experience of our Platform;
• To detect, investigate, and prevent fraud, money laundering, and other unlawful activities; and