Privacy Policy

1. Introduction

Welcome to Karimsub. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how Karimsub ("we," "us," or "our") collects, uses, discloses, and safeguards your information when you use our mobile application (the "App"). Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the App.

2. Information We Collect

We may collect information about you in a variety of ways. The information we may collect via the App includes:

• Personal Data: Personally identifiable information, such as your name, email address, phone number, and user credentials (username and password) that you voluntarily give to us when you register with the App.
• Transaction Data: Information related to your virtual top-ups (VTU), bill payments, and other transactions made through the App, including beneficiary details and transaction amounts.

3. How We Use Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the App to:

• Create and manage your account.
• Process your transactions and send you transaction confirmations.
• Provide customer support and respond to your requests.
• Monitor and analyze usage and trends to improve your experience with the App.
• Notify you of updates to the App.
• Prevent fraudulent activities and enhance the security of the App.
• Comply with legal and regulatory requirements.

4. Data Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties. This does not include:

• Service Providers: Trusted third parties who assist us in operating our App, conducting our business, or servicing you (e.g., payment gateways), so long as those parties agree to keep this information confidential.
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

5. Data Security

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

6. Children's Privacy

Our App is not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If we become aware that we have collected personal information from a child under age 13, we will take steps to delete such information.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. You are advised to review this Privacy Policy periodically for any changes.