This Privacy Notice explains how we and our technology suppliers will collect and use the journey data gathered by the Standard Bank Insurance App.
It is important that you are aware that journey data will be collected and transmitted any time the Standard Bank Insurance App is enabled.

Who are we?

We are Standard Insurance Limited (Registration Number 1993/007593/06) and its successors or assigns.

You should also read our Group Privacy Statement , as it explains how we will use the information that you provide us and that we collect from you. You can find information on your rights, how to contact us and make a complaint in this notice.

Data captured by the Standard Bank Insurance App

Once activated, the Standard Bank Insurance App will record and analyse your journey data and your driving behaviour. All of your journey data will be collected and retained by the app, whether you are a driver or passenger. Passenger journeys can be excluded from your driving scores by tagging your journey. The Standard Bank Insurance app only starts recording when you are travelling at a minimum speed for over 1km and will stop recording when your journey ends.
The app will capture and send your specific location, direction, current speed; duration of journey; braking and cornering, mobile phone usage while driving amongst other factors to our technology suppliers server and we will use the information to understand road type, speed and other conditions relating to your journey. This information will be used to build up a profile of how, where, when your car is driven and the level of mobile phone distraction. This information will be combined to form a driving score based on your driving behaviour.

Important to note

• It is not the intention of the app to collate the purpose of your journey. For instance, travel to a specific place for a specific reason is not part of our data collection over and above the fact that a journey started at one street address and ends at another.
• Mobile phone usage is information about when you make and receive phone calls and send and receive text messages on your device, whilst driving. We do not have access to the content of phone calls, text messages or any other app on this phone

• All data is kept confidential
• We do not record you 24/7.
• Location access is only used to for the core functionality of the Standard Bank Insurance App, captured journeys are processed to generate driver and journey scores

• Location data is not used for any type of advertising purposes

 

How we use the data collected from the Standard Bank Insurance App

Your data may be used for the following purposes:

• To help us monitor driving behaviour and discount insurance premiums accordingly
• To help us to understand safe driving behaviours, which we will use to develop underwriting of our motor insurance policies and to inform our development of similar products, services and systems.

Information recorded from your Standard Bank Insurance App will be assessed automatically to generate your driving score. This score will be based upon a review of your specific location, direction and current speed and the level of your mobile phone distraction, as well as information to understand road type, speed and other conditions relating to your journey. The driving score will be assessed against our internal models of driver behaviour to generate a driving score. This score can be accessed via your Standard Bank Insurance App.
The driving score will be used within our pricing systems to determine the drivers discount applicable on your insurance premium.

How long we keep your personal information for?

We will collect, process and retain your personal and journey data in accordance with data protection legislation and our policies on data retention. The data will be retained for five years. After five years we will completely anonymise your data and so it is no longer identifiable to you. This allows us to use the journey anonymised data for statistical and analytical purposes.

How our suppliers use your personal data and the journey data

When you give us your information, it will be shared with our technology supplier.
The information collected by the Standard Bank App will be used by our technology supplier for research and analytical purposes both during the active period of the app, and after your use of the app has ceased.
Our technology supplier will use your journey data for the purposes below.

• Road and vehicle usage including for road safety issues, real time traffic flow, environmental impacts such as idle time at junctions, journey times, distances and speeds, and the analysis of junctions and the risk they represent.
• Driving behaviour analysis and profiling including determining what constitutes safe and dangerous driving and the typical behaviours.
• Researching and refining techniques for analysing motor vehicle telematics data.

We and our technology supplier will always ensure that we keep the amount of your personal information that we collect and the extent of the processing to the absolute minimum.