Privacy Policy

1. Information We Collect

At OTO, we collect information you provide directly to us, such as when you create an account, purchase insurance, or contact us for support. This includes:

• Personal identification information (Name, ID number, KRA PIN)
• Contact information (Email address, phone number, physical address)
• Vehicle information (Registration details, make, model, year)
• Payment information (M-Pesa details, transaction records)
• Usage data (How you interact with our services)

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our insurance services
• Process transactions and send related information
• Send you technical notices, updates, and support messages
• Respond to your comments, questions, and customer service requests
• Comply with legal obligations and regulatory requirements

3. Information Sharing

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:

• With insurance underwriters to process your policy
• With payment processors to handle transactions
• When required by law or to protect our rights
• With your explicit consent

4. Data Security

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption of sensitive data and regular security audits.

5. Your Rights

You have the right to:

• Access and update your personal information
• Request deletion of your data
• Opt-out of marketing communications
• File a complaint with relevant authorities

6. Contact Us

If you have any questions about this Privacy Policy, please contact us at: