Data Privacy Policy


Lemonade is committed to respecting and protecting your privacy in compliance with the applicable laws and obligations on data use and privacy. In order to demonstrate this commitment, Lemonade has provided this Statement to explain to you how it collects, uses and protects subscriber information. This Statement should be read together with the terms & conditions of use for other Lemonade products and services. Where there is a conflict, this Statement will prevail.

This Statement applies to all customers.

2.0 Definitions

“Customer” or “you” means you the person who subscribes to, uses or purchases any of our services or accesses our websites and includes any person who accesses any of the services you have subscribed to.
“Lemonade”, “we” or “us”, “our” and “ours” means Lemonade Investments.
The word “includes” means that what follows is not necessarily exhaustive and therefore the examples given are not the only things/situations included in the meaning or explanation of that text.

3.1 Collection of Information
3.1.1 Lemonade collects your personal information with your knowledge and consent when you:
a. register for a specific service
b. buy or use a Lemonade service online, on the cloud, on a mobile or other device;
c. subscribe to Lemonade or third party premium rates services, Short Message Service (SMS), email or social media platforms;
d. ask Lemonade for more information about a service or contact Lemonade with a query or complaint;
e. respond to or participate in a survey, marketing promotion, prize competition or special offer;
f. visit, access or use Lemonade or third party websites.
Lemonade may also collect your information from other organisations including credit-reference bureaus, fraud prevention agencies and business directories.
3.1.2 If you allow a child to use our services, you should be aware that their personal information could be collected as described in this statement.

What Customer Information is collected?

The information we collect and store about you (“Customer Information”) depends on the Lemonade and third party products and services you use and subscribe to. The Customer Information includes but is not limited to the following:
3.2.1 Your identity information, including your name, address, phone number, identity document type and number, date of birth, email address, and mobile number portability records.
3.2.2 Your credit or debit card information, information about your bank account numbers, and SWIFT codes or other banking information.
3.2.3 Your preferences for particular products and services, based on information provided by you or from your use of Lemonade’s (or third party) network, products and services.
3.2.4 Your contact with us, such as when you: call us or interact with us through social media, ‘snail mail’ or email (we may record your conversations, social media or other interactions with us), register your biometric information such as your voice, finger prints etc,
3.2.5 Your account information, such as your subscriptions (including third party subscriptions), cloud hosting registration details, e-commerce registration and usage and mobile money transactions.
3.2.6 Your call data records: phone numbers that you call or send messages to (or receive calls and messages from), log of calls, messages or data sessions on the Lemonade network, and your approximate location (save for customer service interactions as noted above we do not record or store the message or call contents).

Use of Information

We may use and analyse your Customer Information for the following purposes:
3.3.1 Processing goods and services that you have bought from Lemonade or from third parties on our ecommerce platforms;
3.3.2 Billing you for using our or third party products or services
3.3.3 Responding to any of your queries or concerns;
3.3.4 Verifying your identity information through publicly available and/or restricted government databases in order to comply with regulatory requirements;
3.3.5 Carrying out a credit check;
3.3.6 Keeping you informed generally about new products and services and contacting you with offers or promotions based on how you use our or third party products and services unless you opt out of receiving such marketing messages (you may contact Lemonade at any time to opt out of receiving marketing messages);
3.3.7 Using the Lemonade telephone directory enquiry service in printed or electronic format;
3.3.8 to comply with any legal, governmental or regulatory requirement or for use by our lawyers in connection with any legal proceedings;
3.3.9 In business practices including to quality control, training and ensuring effective systems operations;
3.3.10 To Protect our network including to manage the volume of calls, texts and other use of our network;
3.3.11 To Understand how you use our network, products and services for purposes of developing or improving products and services;
3.3.12 Preventing and detecting fraud or other crimes and for debt recovery;
3.3.13 For research, statistical and other scientific or business purposes;
3.3.14 Provide aggregated (which do not contain any information which may identify you as an individual) to third parties;
3.3.15 Administer any of our online platforms/websites.

3.4 Retention of Information

Lemonade will store your information for as long as required by law or regulations. If there is no statutory or regulatory requirement, Lemonade will only store Customer Information for as long as it is needed.

3.5 Disclosure of Information

3.5.1 Any disclosure of your information shall be in accordance with applicable law and regulations. Lemonade shall assess and review each application for information and may decline to grant such information to the requesting party.
3.5.2 we may disclose your information to:
a) law-enforcement agencies, regulatory authorities, courts or other public authorities in response to a demand issued with the appropriate lawful mandate and where the form and scope of the demand is compliant with the law.
b) subsidiaries, associates, partners or agents who are involved in delivering Lemonade products and services your order or use;
c) credit-reference agencies, fraud-prevention agencies, business-scoring agencies or other credit-scoring agencies;
d) Publicly available and/or restricted government databases to verify your identity information in order to comply with regulatory requirements;
e) debt-collection agencies or other debt-recovery organisations; or
f) Emergency service providers when you make an emergency call (or where such disclosure to emergency service providers is necessary for your rescue, health and safety) including your approximate location.
3.5.3 Some of your information may be passed on to any person whom you receive mobile money from, or send or intend to send mobile money to. Your information may be available to any third party involved in the operation of the mobile money service including Lipa Na M-PESA Merchants, mobile money interoperability partners, ATM Switch providers and vendors of the M-PESA money transfer technology platform.
3.5.4 We shall not release any information to any individual or entity that is acting beyond its legal mandate.

3.6 The Use of Cookies

3.6.1 We may store some information (using “cookies”) on your computer when you visit our websites. This enables us to recognise you during subsequent visits. The type of information gathered is non-personal (such as: the IP address of your computer, the date and time of your visit, which pages you browsed and whether the pages have been delivered successfully.
3.6.2 We may also use this data in aggregate form to develop customized services – tailored to your individual interests and needs. Should you choose to do so, it is possible (depending on the browser you are using), to be prompted before accepting any cookies, or to prevent your browser from accepting any cookies at all. This will however cause certain features of the web site not to be accessible.

3.7 The Use of Hyperlinks

3.7.1 Our websites may provide hyperlinks to other locations or websites on the Internet. These hyperlinks lead to websites published or operated by third parties who are not affiliated with or in any way related to us and have been included in our website to enhance your user experience and are presented for information purposes only. We endeavour to direct you to reputable websites and sources of information for your convenience.
3.7.2 We do not endorse, recommend, approve or guarantee any third- party products and services by providing hyperlinks to an external website or webpage and do not have any co-operation with such third parties unless otherwise disclosed. We are not in any way responsible for the content of any externally linked website or webpage.
3.7.3 By clicking on a hyperlink, you will leave the Lemonade webpage and accordingly you shall be subject to the terms of use and privacy policies of the other website that you choose to visit.

3.8 Safeguarding and Protection of Information

Lemonade has put in place processes, resources, controls, tools and other measures to protect your information from unauthorised access, accidental loss or destruction.

3.9 Non-Compliance with this Statement

Lemonade shall have the right to terminate any agreement with you for failure to comply with the provisions of this statement and reject any application for information contrary to this statement.

3.10 Amendments to this Statement

Lemonade reserves the right to amend or modify this statement at any time. If Lemonade amends this statement, it will post any changes on the Lemonade website so that you will always know how your personal information is being used or shared.