1. Introduction
stokika ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information.
2. Information We Collect
2.1 Personal Information
- Name, email, phone number
- National ID or passport number
- Business information and location
- Financial information for transactions
- KRA PIN for tax purposes
2.2 Business Information
- Business name, type, and category
- Stock requirements and sales data
- Repayment history
- Business performance metrics
2.3 Technical Information
- IP address and device information
- Browser type and version
- Usage data and analytics
- GPS location (with consent)
3. How We Use Your Information
- Process stock financing applications
- Verify identity and business legitimacy
- Manage accounts and transactions
- Communicate about services and updates
- Improve our platform and services
- Comply with legal obligations
- Prevent fraud and ensure security
4. Information Sharing
We do not sell your personal information. We may share information with:
- Suppliers for order fulfillment
- Payment processors for transactions
- Service providers who assist our operations
- Legal authorities when required by law
- Business partners with your consent
5. Data Security
We implement appropriate security measures including:
- Encryption of sensitive data
- Secure servers and databases
- Access controls and authentication
- Regular security audits
- Employee training on data protection
6. Data Retention
We retain your information for as long as necessary to provide services and comply with legal obligations. Inactive accounts may be archived after 2 years.
7. Your Rights
Under Kenya's Data Protection Act, you have the right to:
- Access your personal data
- Correct inaccurate information
- Request deletion of your data
- Object to data processing
- Data portability
- Withdraw consent
8. Cookies and Tracking
We use cookies and similar technologies to enhance user experience, analyze usage, and improve our services. You can control cookies through browser settings.
9. Third-Party Links
Our platform may contain links to third-party websites. We are not responsible for their privacy practices.
10. Children's Privacy
Our services are not intended for individuals under 18. We do not knowingly collect data from children.
11. International Data Transfers
Your data may be transferred to and processed in countries outside Kenya. We ensure appropriate safeguards are in place.
12. Changes to Privacy Policy
We may update this policy periodically. Significant changes will be communicated via email or platform notification.
13. Contact Us
For privacy concerns or to exercise your rights:
Email: privacy@stokika.com
Phone: +254 728 011 976
Address: Nairobi, Kenya
14. Data Protection Officer
For data protection inquiries, contact our Data Protection Officer at dpo@stokika.com