Privacy Policy — ZivanaKrib

KingMind Technologies Ltd (“we,” “us,” or “our”) operates the ZivanaKrib application and website (“the App” or “the Platform”), a global property management platform offering property search, rental payments via escrow, KYC-verified landlords, shortlet bookings, and property management tools.

This Privacy Policy explains how we collect, use, store, share, and protect your personal data when you use ZivanaKrib. It applies to all users of the Platform regardless of their country of residence, including users in Nigeria, the United Kingdom, the European Union, the United States, Canada, UAE, Ghana, Kenya, South Africa, and other countries.

We are committed to complying with applicable data protection laws in every jurisdiction where we operate, including:

• Nigeria Data Protection Act 2023 (NDPA) and Nigeria Data Protection Regulation (NDPR)
• UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018
• EU General Data Protection Regulation (GDPR)
• California Consumer Privacy Act (CCPA) — California, USA
• Personal Information Protection and Electronic Documents Act (PIPEDA) — Canada
• Protection of Personal Information Act (POPIA) — South Africa
• UAE Data Protection Law (Federal Decree-Law No. 45 of 2021)
• Kenya Data Protection Act 2019

1. Information We Collect

Personal Information You Provide

• Full name, email address, and phone number during registration
• Location data: city, state, country, and geographic coordinates (via Google Places API)
• Payment information processed through Paystack and Flutterwave
• Identity verification documents (government-issued ID, NIN, BVN, passport)
• Property details, photos, and listing information (for landlords)
• Communication data when you contact our support team

Information We Collect Automatically

• Device information (browser type, operating system, device ID)
• IP address and approximate geolocation
• Usage data (pages visited, features used, session duration)
• Cookies and similar tracking technologies (see our Cookie Policy)

2. How We Use Your Information

We use your personal data for the following purposes:

• Provide, maintain, and improve the ZivanaKrib platform
• Process payments, escrow transactions, and rent collection
• Verify identities (KYC) to prevent fraud and money laundering
• Send transactional notifications (rent reminders, payment receipts, lease alerts)
• Display relevant property listings based on your location and preferences
• Analyze usage patterns to improve user experience and platform performance
• Comply with legal and regulatory obligations in each jurisdiction
• Respond to your inquiries and provide customer support

3. Data Sharing & Third Parties

We do not sell your personal data. We share information only with trusted third parties necessary for operating the platform:

• Payment processors (Paystack, Flutterwave) for secure transaction processing
• Identity verification services for KYC/AML compliance
• Cloud infrastructure providers (data encrypted at rest and in transit)
• Analytics services (Google Analytics with IP anonymization enabled)
• Law enforcement agencies when legally required by court order or subpoena

4. Data Security

We implement industry-standard security measures to protect your data:

• AES-256 encryption for data at rest
• TLS 1.3 encryption for all data in transit
• Passwords hashed using bcrypt with salting (never stored in plain text)
• Role-based access controls (RBAC) with strict permission boundaries
• Regular penetration testing and security audits
• SOC 2 Type II compliance and PCI DSS Level 1 certification

5. Your Rights

Depending on your jurisdiction, you have the following rights regarding your personal data:

• Right to Access — Request a copy of the personal data we hold about you
• Right to Rectification — Correct inaccurate or incomplete personal data
• Right to Erasure — Request deletion of your data (subject to legal obligations)
• Right to Data Portability — Export your data in a machine-readable format
• Right to Withdraw Consent — Opt out of optional data processing at any time
• Right to Object — Object to processing for direct marketing purposes
• Right to Lodge a Complaint — Contact your local data protection authority

To exercise any of these rights, contact us at privacy@zivanakrib.com.

6. Data Retention

We retain your account data for as long as your account is active. After account deletion, personal data is purged within 30 days, except where retention is required by law:

• Financial transaction records: retained for 7 years (regulatory requirement)
• KYC verification records: retained for 5 years after account closure
• Support tickets: retained for 2 years for quality assurance

7. International Data Transfers

ZivanaKrib operates globally. Your data may be processed in Nigeria, the European Union, the United States, or the UAE. We ensure adequate safeguards for cross-border data transfers through:

• Standard Contractual Clauses (SCCs) for EU/UK transfers
• Data Processing Agreements (DPAs) with all third-party processors
• Adequacy decisions where applicable

8. Children's Privacy

ZivanaKrib is not intended for users under 18 years of age. We do not knowingly collect personal data from minors. If we discover that a minor has provided us with personal information, we will delete it immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or platform features. Material changes will be communicated via email or in-app notification with at least 30 days' notice before taking effect.

10. Contact Us

For any questions, concerns, or requests related to this Privacy Policy or your personal data, please contact: