Last updated 21 June 2019
At mTek services, we are committed to protecting your privacy and ensuring that your personal information is collected and used appropriately, lawfully and transparently. This privacy notice explains:
mTek Services is an innovative Mobile Application - a platform which provides an entirely paperless ecosystem for the insurance industry. Our solution allows customers to purchase Insurance directly from the Insurer, file for claims directly from the convenience of their smart device thus increasing efficiency and can capture critical data on claims from geo-located accident scenes. We offer our customers paperless insurance in motor and health.
We collect certain personal information about you, including your name, address and phone number . We collect this information about you when you:
The type of personal information we collect will depend on the purpose for which it is collected and will include:
We collect personal information directly from you. For example, we ask for personal information at the start of our relationship (eg: when you want to download the app) and in subsequent communications in order to check your identity. This is a legal requirement and is important to help safeguard you and us against potential crime.
Where it is necessary we collect more sensitive information (such as financial and bank details information). If this is the case we will explain what information we require and why it is needed.
We may also collect information about you from other sources such as:
We keep your personal information only as long as is necessary for the purpose for which it was collected, or for legal or regulatory reasons. Personal information will be securely disposed of when it is no longer required in accordance with our Personal Data Retention and Disposal Schedule.
We process your information for the following purposes.
To perform our contract with you and to support and maintain that relationship. This includes the following:
For specific business purposes to enable us to provide you with appropriate products and services and a secure experience. Our business purposes include the following:
You have the right to object to us processing your personal data for the business purposes listed above.
We share your information with trusted third parties, who perform tasks for us and help us to provide our products and/or services to you, and with other agencies where required by law, court order or regulation. These include:
We are committed to ensuring the confidentiality of the personal information that we hold and we continue to review our security controls and related policies and procedures to ensure that your personal information remains secure.
When we contract with third parties, we require that they have appropriate security, privacy and confidentiality measures in place to ensure that personal information is kept secure.
If we work with third parties in countries outside Kenya, we ensure these are countries that confirmed have an adequate level of protection for personal information, or the third party receiving the personal data has provided adequate safeguards and agrees to treat your information with the same level of protection as we would.
You have the right to ask us:
In certain circumstances you also have the right to:
Information about your individual rights, including how to correct, restrict, delete, or make changes to your personal information, can be found on our website
If you have questions about this notice, or need further information about our privacy practices, please contact our:
Hillcroft Technologies Ltd.
Hillcroft Brokerage Ltd.
T/A mtek services
The Westwood, 3rd Floor, Off Ring Road,
Westlands, Nairobi, Kenya
+254 (0) 800 720 137 (Call for free)
If you wish to raise a complaint about how we have handled your personal data, you can contact our Data Protection Officer who will investigate the matter.
This agreement contains the complete terms and conditions related to your use of mTek Services Application provided to you by Hillcroft Technologies of P.O Box 57671-00100 Nairobi- (“HT”) and its affiliates and supersedes all other agreements entered into between you and HT. The Application includes all software, computer code, data and components of mTek services App provided by Hillcroft Technologies. These terms and conditions take effect on the date of publication. By participating in or continuing to use the mTek services App or accessing the mTek services website you shall be deemed to be making an affirmative statement of your acceptance of these terms and conditions.
For purposes of this Agreement,
“Account” means your mTek services account being the record maintained by us on the Application
“Affiliates” means any corporation or other entity that HT directly or indirectly through one or more intermediaries’ controls or is controlled by or is under common control with a party.
“Currency” means any lawful form of money that is used in territories/countries where the Application is used.
“Data Charges” means data costs incurred by you and deducted by your mobile service provider.
“End User” means any person using HT services on the application
“mTek services App”, “mTek services Application”, “App” means the application operated by HT providing insurance services and the mTek services website.
“mTek services products and services” means any products and services provided to you by HT whether under this agreement or otherwise.
“Contact/Information Form” means the registration form containing registration details and your acceptance of these terms and conditions where one reports their claims or gives feedback.
“You” or “your” means the mTek services customer operating an account and who has registered on the Application
Provided You comply with this Agreement, HT grants You a revocable, limited, non-transferrable, non-exclusive license to use the Application on any Phone or Tablet (Android or iPhone) that You own or control and as permitted by Usage Rules set forth in different Play Store Terms and Conditions as per the phone you are using.
This Application is available to users of all ages. However, if You are under the age of 18, You should review this Agreement with Your parent or guardian to make sure that You or Your parent or guardian understand the terms and conditions contained in this Agreement.
This Application is licensed "as-is," "with all faults," and "as available." You bear the risk of using the Application. HT, on behalf of itself, distributors of the Application, its licensors, network operators over whose network the Application is distributed, and each of their respective affiliates and suppliers, gives no express or implied warranties, guarantees, or conditions under or in relation to the Application, including, but not limited to, warranties of merchantability and fitness for a particular purpose. HT does not warrant that the functionality or operation of the Application will be uninterrupted or free from error, that any defects in the Application will be corrected, or that the Application or the server(s) that makes it available are free of viruses or other harmful conditions or components.
All information submitted by You or collected through this Application is the property of HT. This includes, but is not limited to, pictures and messages, information about Your device (for example, the device identifier, the advertising identifier, and the make and model) and its state, device application permissions, and vehicle and estimate information. HT may associate such information with your personal information that we collect or otherwise obtain in order to optimize Our online and mobile advertising programs. HT may also collect and store, or direct a third party to collect and store, information about the physical location of Your device by using, for example, wireless network, cell phone tower, and satellite signals. Such location information is approximate (based on factors such as obstructions, beacon orientation, and environmental surroundings) and may be combined with other information submitted by You or collected through the Application. This information may be used by HT and third parties to identify Your geographical location, to improve the Application, and to provide You with location-based content, including advertising for products and services. HT may use information You submit as part of any claim investigation or for any other insurance related or otherwise permissible purpose. Submission of information via this Application does not mean Your claim will be paid. Payment of Your claim is subject to all policy terms and conditions in addition to any applicable laws and regulations of Kenya.
HT may change the programs or products mentioned in this Application at any time without notice. Additionally, all insurance products referred to in this Application are subject to availability and qualifications. Product terms, conditions, and exclusions not described in this Application may apply.
ALL intellectual property in this application is owned BY HT. The Application, including all text, graphics, user and visual interfaces, trademarks, logos, computer code, software, data, components, documentation and other content (collectively, the "Content"), is exclusively the property of HT and its licensors and is protected by copyright, trademark and other intellectual property laws. Therefore, any unauthorized reproduction, modification, distribution or republication of HT materials or intellectual property without the express prior written consent of HT and/or its affiliates is strictly prohibited. Except as expressly provided in this Agreement, no part of the Application or Content, in whole or in part, may be copied, reproduced, duplicated, sold, republished, reposted or otherwise distributed for public or commercial use. You agree not to modify, port, translate or create derivative works of, or from, the Application. You further agree not to decompile, disassemble, reverse engineer or otherwise attempt to derive, reconstruct, identify or discover any source code, underlying ideas, or algorithms from the Application. The use of third-party trademarks therein is intended to denote inter-operability and does not constitute: (i) an affiliation by HT and its licensors with such company, or (ii) an endorsement or approval of such company of HT’s partners and its licensors and its products and services.
This Application or website may contain links to other web sites. HT provides links to other sites as a convenience to persons who use the Application. HT is not responsible for examining or evaluating the content or accuracy of any such third-party material or web site. HT does not warrant or endorse and does not assume and will not have any liability or responsibility for any third-party materials or web sites, or for any other materials, products, or services of third parties. If You choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with HT). Please be aware that HT is not responsible for the privacy practices of those sites, even though HT's name or logo may appear on those sites. We encourage You to be aware when You leave Our Application. You should read the privacy policies of each web site that You visit, as the privacy policies of those sites may differ from Ours.
To the extent permitted by law, HT and its licensors disclaim liability, whether based in contract, tort, negligence, strict liability or otherwise, for damages of any kind (including, but not limited to, direct, indirect, incidental, consequential, special, punitive and exemplary damages) in any way arising out of or in connection with the Application, service interruptions, delays in operation or transmission, or third-party access to personal information input in or collected through the Application, even if HT and its licensors have express knowledge of the possibility of such damages. HT and its licensors have no responsibility, and will in no way be held liable, for the security of the End User’s mobile device. You agree not to seek to recover any damages, including consequential, lost profits, special, indirect or incidental damages from Monarch, its licensors, or any distributor of the Application.
The Application is provided "as is." Neither HT, its suppliers, distributors of the Application, Your device manufacturer, nor Your network operator are responsible for providing maintenance or support services for the Application.
If any provision of this Agreement is held invalid, void or unenforceable, then that provision is considered severable from the remaining provisions, and the remaining provisions shall remain in full force and effect. HT’s failure to enforce any right or provision in this Agreement will not constitute a waiver of such provision, or any other provision in this Agreement.
Neither party shall be reliable to the other party for any delay or failure to perform its obligations under these terms and conditions as a result of revolution or civil disorders, belligerent aggression by enemy strikes; lack of available resources from persons other than parties to this agreement; Labour disputes, electrical equipment or application availability delay or failure; fires; floods; acts of God; government or regulatory intervention; or without limiting the foregoing; any other causes not within its control, and which by the exercise of reasonable diligence it is unable to prevent, whether of the class of causes hereinbefore enumerated or not. If such delay or failure continues for at least 90 days then either party may terminate their engagement by notice in writing to the other.
You agree to comply with all local, state, and national laws, statutes, ordinances, and regulations that apply to Your use of the Application.