Privacy Policy

1. Introduction

AXK Omni Inc. ("AXK Omni," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and any related services (collectively, the "Services").

We value your trust and strive to be transparent about our data practices. Please read this Privacy Policy carefully to understand how we handle your information. By using our Services, you consent to the data practices described in this policy.

If you do not agree with our policies and practices, please do not use our Services. If you have any questions or concerns, please contact us using the information provided at the end of this Privacy Policy.

2. Information We Collect

We collect several types of information from and about users of our Services, including:

2.1 Personal Information

Personal information is data that can be used to identify you directly or indirectly. The personal information we may collect includes:

• Identity Information: Name, date of birth, government-issued identification numbers, and other similar identifiers required for regulatory compliance.
• Contact Information: Email address, mailing address, phone number, and other contact details.
• Financial Information: Bank account information, payment card details, transaction history, account balances, and financial profile information.
• Biometric Information: If you enable biometric authentication features, we may collect biometric identifiers such as fingerprints or facial recognition data.
• Account Information: Username, password, security questions, and other authentication information.

2.2 Usage Information

We collect information about how you use our Services, including:

• Device Information: Information about your device, including IP address, device type, operating system, browser type, device identifiers, and mobile network information.
• Usage Data: Information about your activity on our Services, such as pages visited, features used, time spent, and transaction patterns.
• Location Information: With your consent, we may collect precise location information from your device. You can control this through your device settings.

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Business Partners: Information from our business partners, such as payment processors or identity verification services.
• Public Sources: Information from publicly available sources, such as social media platforms, public directories, or government databases for identity verification and fraud prevention.
• Financial Institutions: With your consent, we may receive information from banks or other financial institutions to facilitate certain services.

3. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide and Maintain our Services: To operate our platform, process transactions, maintain your account, and deliver the services you request.
• Improve our Services: To understand how users interact with our platform, identify areas for enhancement, and develop new features and functionality.
• Personalize Your Experience: To offer personalized content, recommendations, and features based on your preferences, activities, and interests.
• Communication: To communicate with you about your account, respond to inquiries, send service-related notifications, and provide customer support.
• Marketing and Promotions: With your consent, to send promotional communications about new features, offers, and updates. You can opt out of these communications at any time.
• Security and Fraud Prevention: To verify your identity, protect against fraudulent, unauthorized, or illegal activity, and maintain the security of our Services.
• Legal Compliance: To comply with applicable laws, regulations, legal processes, or governmental requests, including anti-money laundering and know-your-customer requirements.
• Analytics: To conduct research, analyze trends, and gather statistical information about user behavior and preferences.

4. How We Share Your Information

We may share your information with the following categories of recipients:

4.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

• Payment processors and financial institutions to facilitate transactions
• Cloud hosting and storage providers
• Analytics and data analysis providers
• Customer support and communication platform providers
• Identity verification and fraud prevention services

These service providers are contractually obligated to use your information only as necessary to provide services to us and in a manner consistent with this Privacy Policy.

4.2 Business Partners

We may share your information with business partners with whom we collaborate to offer joint services, promotions, or products. These partners are bound by confidentiality obligations and are not authorized to use your information for purposes other than those specified in our agreements.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests from public authorities (e.g., court orders, government agencies). We may also disclose your information to:

• Comply with legal obligations
• Protect and defend our rights or property
• Prevent or investigate possible wrongdoing in connection with our Services
• Protect the personal safety of users of our Services or the public

4.4 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of company assets, your information may be transferred as part of that transaction. We will notify you of any change in ownership or uses of your information through our website or by direct communication.

4.5 With Your Consent

We may share your information with other third parties when we have your explicit consent to do so.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and store information about you when you interact with our Services. These technologies help us analyze trends, administer the website, track users' movements around the website, and gather demographic information about our user base as a whole.

5.1 Types of Cookies We Use

• Essential Cookies: These cookies are necessary for the website to function properly and cannot be switched off in our systems. They are usually set in response to actions made by you, such as setting your privacy preferences, logging in, or filling in forms.
• Analytical/Performance Cookies: These cookies allow us to recognize and count the number of visitors and see how visitors move around our website. This helps us improve how our website works, for example, by ensuring that users can find what they are looking for easily.
• Functionality Cookies: These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages.
• Marketing Cookies: These cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third-party advertisers.

5.2 Your Cookie Choices

You can control and manage cookies in various ways. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our Services may become inaccessible or not function properly.

Additionally, we provide a cookie preference center that allows you to customize your cookie settings on our website. You can access this by clicking on "Cookie Settings" in the footer of our website or through the cookie consent banner that appears when you first visit our site.

For more detailed information about cookies and how we use them, please visit our Cookie Policy.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing, accidental loss, destruction, or damage. Our security measures include:

• Encryption of sensitive data both in transit and at rest
• Secure access controls and authentication mechanisms
• Regular security assessments and penetration testing
• Employee training on data protection and security practices
• Physical and technical safeguards for our systems and facilities

While we use commercially reasonable efforts to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, we cannot guarantee absolute security. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including to satisfy legal, accounting, or reporting requirements. The criteria used to determine our retention periods include:

• How long the information is needed to provide you with our Services or to operate our business
• Whether there are contractual or legal obligations that require us to keep the data for a certain period
• Whether retention is advisable in light of our legal position (such as for statutes of limitations, litigation, or regulatory investigations)

When we no longer need your personal information, we will securely delete or anonymize it. If we cannot delete or anonymize your personal information (for example, because it is stored in backup archives), we will securely store it and isolate it from any further processing until deletion is possible.

8. International Data Transfers

AXK Omni operates globally, and your information may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different from the laws of your country.

When we transfer your information to other countries, we will protect that information as described in this Privacy Policy and in accordance with applicable law. We use appropriate safeguards for international data transfers, such as:

• Standard contractual clauses approved by relevant data protection authorities
• Binding corporate rules for transfers within our corporate group
• Contractual agreements with recipients of your personal information
• Derogations, such as your explicit consent or the necessity to perform a contract with you

You can request more information about the specific safeguards we use to transfer your personal information by contacting us using the information in the "Contact Us" section below.

9. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information. These may include:

• Access: You have the right to request copies of your personal information.
• Rectification: You have the right to request that we correct any inaccurate or incomplete information about you.
• Erasure: You have the right to request that we delete your personal information in certain circumstances.
• Restriction: You have the right to request that we restrict the processing of your personal information in certain circumstances.
• Data Portability: You have the right to request that we transfer your personal information to another organization or to you, in certain circumstances.
• Objection: You have the right to object to the processing of your personal information in certain circumstances.
• Withdraw Consent: If we rely on your consent as the legal basis for processing your personal information, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. We may need to verify your identity before responding to your request. We will respond to your request within the timeframe required by applicable law.

9.1 Marketing Communications

You can opt out of receiving marketing communications from us by following the unsubscribe instructions included in our marketing communications or by contacting us. Please note that even if you opt out of receiving marketing communications, we may still send you service-related communications.

9.2 Do Not Track

Some browsers have a "Do Not Track" feature that signals to websites that you visit that you do not want your online activity tracked. Due to differences in how browsers incorporate and activate this feature, it is not always clear whether users intend for these signals to be transmitted, or whether they are aware of them. We currently do not respond to "Do Not Track" signals.

10. Children's Privacy

Our Services are not directed to children under the age of 18, and we do not knowingly collect personal information from children under the age of 18. If we learn that we have collected the personal information of a child under the age of 18, we will take steps to delete the information as soon as possible. If you believe that we might have any personal information from a child under the age of 18, please contact us immediately.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, and other factors. When we make changes, we will update the "Last Updated" date at the top of this policy and notify you through the Services or by other means as required by applicable law.

We encourage you to review our Privacy Policy periodically to stay informed about our data practices. Your continued use of our Services after we post any modifications to the Privacy Policy will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

• Email: privacy@axkomni.com
• Mailing Address: AXK Omni Inc., Kigali, Rwanda
• Phone: +250 782 650 383

If you are located in the European Economic Area (EEA) or the United Kingdom, you also have the right to lodge a complaint with your local data protection authority.