Privacy Policy

Introduction

OkoaChapaa (the "App") is a mobile loan product developed and operated by Nakamoto Agency. This Privacy Policy describes what information we collect, why we collect it, how we use it, and with whom we share it. It also explains your rights and how to contact us.

By using OkoaChapaa, you consent to the data practices described in this policy. Please read this document carefully to understand our views and practices regarding your personal data.

1. Information We Collect

We may collect the following categories of information to provide and improve our services:

1.1 Device & Technical Information

• Device model, manufacturer, and specifications
• Operating system version and platform
• Advertising ID and device identifiers
• Network type and connection information
• App version and installation source
• Crash reports and performance data

1.2 Usage Data

• App events and feature usage patterns
• Session duration and frequency
• User interactions and navigation paths
• Analytics data for service improvement

1.3 Ad-related Data

• Advertising identifiers for personalized ads
• Ad engagement and conversion metrics
• Data collected by third-party advertising partners (Google AdMob)

1.4 User-Submitted Data

• Contact information (name, phone number, email)
• Identity verification documents
• Financial information for loan processing
• Communication records and support tickets

2. Why We Collect Information

We use collected information for the following purposes:

• Service Delivery: To operate, maintain, and improve the App and services
• Personalization: To provide personalized and relevant ad experiences
• Analytics: To understand user behavior and optimize app performance
• Security: To detect and prevent fraud, abuse, and security issues
• Compliance: To meet legal obligations and regulatory requirements
• Communication: To provide customer support and service updates

3. Third Parties & Advertising

We work with third-party service providers to enhance our app functionality:

3.1 Advertising Partners

We use Google AdMob to serve ads and measure ad performance. These providers may collect information such as advertising identifiers and device data. For details on Google's data practices, please see Google Privacy & Terms.

3.2 Analytics Services

We use analytics tools to understand how users interact with our app and to improve our services.

3.3 Permission Usage

Important: The App requests android.permission.READ_PHONE_STATE to support certain device-level features required by integrated SDKs. We do not use this permission to read or store phone call content, contact lists, or text messages.

4. Data Retention

We retain different types of data for specific periods:

• Usage Data: Retained for 24 months for analytics and improvement
• Personal Data: Retained as long as necessary for service delivery and legal compliance
• Financial Data: Retained as required by financial regulations in Kenya
• Marketing Data: Retained until consent is withdrawn or account deletion

You may request deletion of your personal data at any time by contacting us.

5. Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal data
• Portability: Request transfer of your data to another service
• Objection: Object to certain data processing activities
• Restriction: Request limitation of how we use your data

To exercise these rights, contact us using the information below.

6. Data Security

We implement comprehensive security measures:

• Encryption of data in transit and at rest
• Regular security assessments and audits
• Access controls and authentication mechanisms
• Secure development practices

While we implement robust security measures, no internet transmission or storage system can be 100% secure. Please use strong passwords and protect your login credentials.

7. International Data Transfers

As a Kenya-based company, we primarily process data within Kenya. However, some third-party services may process data in other countries. We ensure appropriate safeguards are in place for any international data transfers.

8. Children's Privacy

Our App is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

9. Changes to This Policy

We may update this policy periodically to reflect changes in our practices or legal requirements. We will:

• Update the "Last updated" date at the top of this policy
• Notify users of significant changes through the app or email
• Provide a summary of changes for transparency

Continued use of the App after changes indicates your acceptance of the revised policy.

10. Contact Us

If you have questions, concerns, or requests regarding your personal data, please contact:

For data protection inquiries, please include "Privacy Request" in your subject line.