Privacy Policy

Privacy Policy

1. General

OUTsurance recognises the importance of protecting your personal information and your right to having your personal information kept private.

his Privacy policy relates to the collection and use of personal information you may supply to us through your use of any of our service channels and such policy therefore governs the manner in which your personal information will be dealt with.

2. Personal Information

OUTsurance defines personal information as all information specific to yourself that is provided to us via our website or any other channel. This includes but is not limited to personal information that is provided to us in the course of our business, while obtaining an online quotation, using our mobile device app, asking questions via e-mail or during requests to amend or view your policy data.

This includes but is not limited to the following personal information that you may provide to us when using the app:

Your name and surname;
RSA identity number or date of birth;
Contact details;
Email address.

We collect information to be able to provide you with adequate insurance cover based on your own risk profile and to ensure that we have the correct and most up to date information.

OUTsurance has the highest regard for the privacy of its customers and will use personal information only to the extent required in the normal course of business and to provide the products and services you have requested. OUTsurance will also use this information to positively identify you when you contact us, to detect fraud and for direct marketing purposes.

3. The OUTsurance App

By installing and using any of the services on our app you consent that we may send you promotional material or details which we think may be of interest to you and that we may contact you to quote you.

We will only use the personal information obtained through the use of our app, for the purpose for which it was collected subject to the terms and conditions relating to the app.

4. The use of Cookies

We might use cookies (small text files stored in your browser) and other techniques to follow your movements on our Website. These collect information that makes the website remember you and tells us how you use our Website, web-related products and services. This, in turn, helps us make our Website relevant to your interests and needs.

They also help us find information once you have logged in or help us link your browsing information to you and your personal information, for example, when you choose to register for a service. We may use a persistent cookie (a cookie that stays linked to your browser) to record your details so we can recognise you if you visit our Website again.

Cookies by themselves cannot be used to discover your identity. Cookies do not damage your computer. You can set your browser to notify you when you receive a cookie. This enables you to decide if you want to accept it or not. If you choose not to accept cookies from our Website this may limit its functionalities or performance.

5. Protection of Information

We value the information that you choose to provide us and will therefore take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. The information we maintain concerning our customers is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.

OUTsurance uses state of the art technology and encryption to prevent any unauthorised access to your personal information. We keep appraised with the latest global developments in security technology to ensure that your transactions with us are adequately secured and protected at all times.

You must always keep your personal information and any account numbers or app login details secret and ensure that you do not disclose it to anyone.

Should you at any time feel that you no longer wish to be contacted by us, you should advise us to that effect via email or telephone. We retain all data that is required for us to discharge our business activities for an indefinite period for historical, statistical and research purposes. We have established appropriate safeguards against the records being used for any other purposes.

6. Sharing of Information

OUTsurance does not and will not sell or provide personal information to third parties for independent use. We may, however, share personal information with our business partners if that information is required to provide the product or service you have requested. However, our business partners will adhere to using your information only as directed by OUTsurance.

The following list includes but is not limited to some of the instances when we disclose the personal information obtained from you:

Information relating to claims, insurance and financial history with other insurers, government bodies and credit bureaus.
When any regulatory authority for the various financial sectors requests same;
To comply with any regulation passed under relevant legislation, or any legal process;
To enforce and protect our rights and property (including intellectual property) and/or where we have a legitimate interest to do so;
When you have expressly authorised us to do so; or
If we undergo a change in ownership.

6. Contact us

Please ensure that you have read and understood the terms and conditions of this Privacy policy before you provide us with your personal information.

We reserve the right in our sole discretion to amend this Privacy Policy from time to time. Save as expressly provided to the contrary in this Privacy Policy, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof.

You can contact us with any privacy related questions here: compliance@out.co.za