Privacy Policy

Effective Date: 5th May 2018

1. Introduction
This Privacy Policy explains how OKO Finance Ltd. ("OKO", "we," "our," or "us") collects, uses, shares, and protects the personal information of farmers and other users of our application ("agent application"). We are committed to ensuring the privacy and protection of all data shared with us and to comply with applicable privacy laws and regulations.

2. Information We Collect
We may collect the following types of information from farmers and users:

- Personal Information: Name, contact details (e.g., phone number), location, and identification information.
- Agricultural Data: Crop types, field locations, acreage, and production data.
- Financial Information: Data related to farm income, expenses, and insurance claims.

3. How We Use the Information
The information we collect is used for the following purposes:

- To Provide Services: To calculate and manage insurance policies, process claims, and provide customer support.
- For Communication: To contact users with updates, notifications, and any necessary service-related information.
- For Research and Improvement: To analyze app usage to improve the functionality, performance, and relevance of our services.
- Legal Compliance: To meet legal and regulatory obligations related to insurance services.

4. Data Sharing and Disclosure
We do not sell or share personal data with third parties for marketing purposes. Data may be shared with:

- Service Providers: Companies providing services on our behalf, such as payment processors or cloud storage providers, who adhere to strict privacy obligations.
- Affiliates and Partners: For purposes directly related to the provision of insurance services.
- Legal Authorities: When required to comply with applicable laws or in response to lawful requests by public authorities.

5. Data Security
We implement industry-standard security measures to protect the information collected. We regularly review our systems to protect data from unauthorized access, disclosure, alteration, or destruction. However, no system is 100% secure, and we cannot guarantee the absolute security of data.

6. Data Retention
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law.

7. User Rights
Users have rights regarding their data, including:

- Access: Request access to personal data.
- Correction: Correct any inaccurate information.
- Deletion: Request deletion of data where applicable.
- Restriction: Request restrictions on certain processing of data.

8. Changes to This Policy
We may update this policy from time to time. We will notify users of any significant changes through the app or by other means as required.

9. Contact Us
For any questions or concerns about this Privacy Policy, please contact us at info@oko.finance