Privacy Policy

Oleq ("Oleq", "we", "us", "our") builds and operates digital platforms across insurance, education, property and payments. This policy explains what information we collect across our platforms and websites, how we use it, and the choices you have. It applies to oleq.co and to the products Oleq operates on behalf of its customers, unless a separate notice is provided for a specific product.

1. Information we collect

The information we collect depends on how you interact with us — as a visitor to this website, a user of a platform we operate, or a customer's end user reached through one of our channels.

• Account and contact information — name, email address, phone number, and organization, where provided.
• Transaction and financial data — payment references, billing records and transaction metadata processed through our payment gateway and related platforms. We do not store full card numbers; these are handled by our licensed payment partners.
• Usage data — how you interact with our applications, USSD sessions, SMS exchanges, and web or mobile interfaces, including device and log information.
• Communications — messages you send us directly, including support requests and account deletion requests.

2. How we use information

• To operate, maintain and secure the platforms we build and run.
• To process transactions and reconcile payments across our gateway network.
• To provide customer support and respond to requests, including account deletion.
• To monitor for fraud, abuse and operational failures across our systems.
• To improve our products through aggregated analytics — never to sell personal data to third parties.

3. How we share information

We share information only where necessary to operate our platforms:

• With payment providers, mobile money operators, banks and card networks required to complete a transaction.
• With the institution operating the specific platform you use (an insurer, school, property manager or business customer of Oleq), where that institution is the primary data controller for its own end users.
• With service providers who support our infrastructure, under contractual confidentiality obligations.
• Where required by law, regulation or a valid legal process.

We do not sell personal information.

4. Data retention

We retain personal data only for as long as needed to provide our services, meet legal and regulatory obligations (including financial record-keeping requirements), resolve disputes, and enforce our agreements. Retention periods vary by platform and data type.

5. Your rights

Depending on your location and applicable law, you may have the right to access, correct, export or delete the personal data we hold about you, and to object to or restrict certain processing. You can request deletion of your account data at any time.

6. Security

We apply security practices appropriate to financial-grade data, including encryption in transit, access controls and monitoring across the systems that move money and personal information on our platforms.

7. Children's privacy

Some Oleq platforms serve education institutions where end users may be minors. In these cases, data is collected and processed on behalf of, and under the direction of, the education institution, in line with applicable student-data protection requirements.

8. Changes to this policy

We may update this policy as our products and legal obligations evolve. Material changes will be reflected on this page with an updated revision date.