Privacy Policy

1. Who We Are

NENO Insurance is a licensed insurance broker registered in Tanzania and regulated by the Tanzania Insurance Regulatory Authority (TIRA). Our registered office is at 13th Floor, Mwanga Tower, Bagamoyo Road, Dar es Salaam.

When this policy says "NENO", "we", "us" or "our", it means NENO Insurance. When it says "you" or "your", it means any person who visits our website, contacts us, or applies for an insurance product through us.

2. What Information We Collect

Information you give us directly:

• Full name and contact details (phone number, email address, postal address)
• National ID or passport number (for policy issuance and KYC compliance)
• Date of birth and gender
• Details about what you want to insure (vehicle, property, health, business, etc.)
• Financial information needed to assess risk or process premiums
• Any message or inquiry you send through our contact form

Information collected automatically when you visit our website:

• IP address and browser type
• Pages visited and time spent on each page
• Referring website or search term
• Device type and operating system

We collect website data through standard web server logs. We do not currently use advertising trackers or third-party analytics pixels.

3. Why We Collect It

4. How We Share Your Information

We share your information only where necessary:

• Partner Insurers — we pass your details to the insurer whose product best fits your needs (e.g. Britam, Jubilee, Sanlam Life, Heritage Insurance, MUA, Reliance). They handle your data as independent data controllers under their own privacy policies.
• TIRA and Regulators — we may be legally required to disclose information to the Tanzania Insurance Regulatory Authority or other government bodies.
• Service Providers — we use trusted third parties to operate our website and email systems. These parties process your data only on our instructions.
• Legal Proceedings — where required by court order or applicable law.

We do not sell, rent, or trade your personal information to any third party for marketing purposes.

5. How Long We Keep Your Information

After the applicable period, data is securely deleted or anonymised.

6. Your Rights

Under Tanzanian law and general data protection principles, you have the right to:

• Access — request a copy of the personal data we hold about you
• Correction — ask us to correct inaccurate or incomplete information
• Deletion — ask us to delete your data (subject to legal retention obligations)
• Objection — object to us processing your data for marketing purposes at any time
• Withdrawal of consent — withdraw consent for any processing based on consent, without affecting prior processing

To exercise any of these rights, contact us at info@nenoinsurance.co.tz or call +255 790 099 199. We will respond within 30 days.

7. Cookies

Our website uses a small number of cookies:

• Essential cookies — required for the website to function (session management, security)
• Preference cookies — remember choices you have made, such as dismissing our cookie notice

We do not use advertising cookies or tracking pixels. You can control cookies through your browser settings. Disabling essential cookies may affect how the website works.

8. Security

We take reasonable technical and organisational steps to protect your data from unauthorised access, loss, or disclosure. These include encrypted connections (HTTPS), access controls, and secure email handling. No transmission over the internet is completely secure; we cannot guarantee absolute security.

9. Children

Our services are intended for adults aged 18 and over. We do not knowingly collect personal data from anyone under 18. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.

10. Links to Other Websites

Our website may link to partner insurer websites or third-party resources. We are not responsible for the privacy practices of those sites. We recommend reading their privacy policies before providing any personal information.

11. Changes to This Policy

We may update this policy from time to time. The "Last Updated" date at the top of this page will reflect any changes. Continued use of our website or services after changes are posted means you accept the updated policy.