Privacy Policy.

This Privacy Policy (“Policy”) explains how Okava collects, uses, processes, stores, shares, and protects personal information obtained through the Okava platform, including our websites, mobile applications, services, transaction systems, verification systems, construction tracking systems, communications, and related technologies (“Platform”).

By accessing or using the Platform, you acknowledge that you have read and understood this Policy.

If you do not agree with this Policy, you should not use the Platform.

Okava is a global property technology and transaction facilitation platform operated through locally licensed operating entities in various jurisdictions.

The Okava platform, software systems, workflows, verification systems, dashboards, construction tracking systems, transaction coordination systems, intellectual property, and related technologies are owned and managed by:

In various jurisdictions, Okava may operate through locally incorporated subsidiaries, affiliates, franchisees, licensed operators, strategic partners, or authorised representatives registered under applicable local laws and regulations.

Such local operating entities operate under a technology and intellectual property licence from Okava Technologies Limited.

References in this Policy to “Okava”, “we”, “us”, or “our” include Okava Technologies Limited together with any applicable local operating entity responsible for providing services within the relevant jurisdiction.

This Policy applies to:

• Buyers;
• Property Developers;
• Legal Partners and Conveyancers;
• Mortgage Funders and Lenders;
• Insurance Providers;
• Service Providers;
• Website visitors;
• Mobile application users;
• Platform users;
• Prospective customers;
• Business partners.

This Policy applies whether information is collected:

• Online;
• Through mobile applications;
• Through customer support interactions;
• Through marketing campaigns;
• Through integrated third-party services;
• Through physical or virtual onboarding processes.

4.1 Personal Information

We may collect:

• Full names;
• Email addresses;
• Telephone numbers;
• Residential addresses;
• Nationality and country of residence;
• Date of birth;
• Identity or passport information;
• Tax identification information;
• Employment information;
• Financial information;
• Mortgage or affordability information;
• Insurance-related information;
• Property preferences;
• Property transaction information.

4.2 Verification & Compliance Information

We may collect:

• KYC documentation;
• Source of funds information;
• Proof of address;
• Regulatory compliance information;
• Politically Exposed Person information;
• Sanctions screening information;
• Beneficial ownership information.

4.3 Technical Information

We may collect:

• Device information;
• Browser type;
• Operating system;
• IP address;
• Mobile device identifiers;
• Usage analytics;
• Session information;
• Location data where permitted;
• Cookies and tracking data.

4.4 Transaction & Platform Information

We may collect:

• Property reservations;
• Property searches;
• Mortgage applications;
• Insurance applications;
• Legal transaction workflows;
• Construction tracking interactions;
• Escrow-related interactions;
• Payment-related information;
• Communications and support requests.

4.5 Communications

We may collect information contained in:

• Emails;
• WhatsApp messages;
• SMS communications;
• Push notifications;
• Support tickets;
• Recorded calls where lawful.

We may collect information:

• Directly from you;
• From integrated third-party providers;
• From Developers;
• From lenders and insurers;
• From legal partners;
• From identity verification providers;
• From payment providers;
• Through cookies and analytics technologies;
• Through publicly available sources where lawful.

We may use personal information to:

• Provide and operate the Platform;
• Verify identity and conduct compliance checks;
• Facilitate property reservations and transactions;
• Facilitate mortgage and financing applications;
• Facilitate insurance applications;
• Coordinate legal and conveyancing workflows;
• Provide construction tracking and project updates;
• Improve user experience;
• Personalise content and recommendations;
• Communicate with users;
• Process payments and transactions;
• Detect fraud and prevent unlawful activity;
• Meet legal and regulatory obligations;
• Conduct analytics and business intelligence;
• Improve platform functionality;
• Market products and services where permitted.

Depending on the applicable jurisdiction, we may process personal information based on:

• Consent;
• Contractual necessity;
• Compliance with legal obligations;
• Legitimate business interests;
• Fraud prevention and security;
• Regulatory requirements.

We may share information with:

• Property Developers;
• Mortgage Funders and Lenders;
• Insurance Providers;
• Legal Partners and Conveyancers;
• Escrow providers;
• Payment providers;
• Identity verification providers;
• Regulatory authorities;
• Service providers;
• Technology partners;
• Analytics providers;
• Professional advisers.

Information shall only be shared where reasonably necessary for Platform operations, compliance, transactions, or related services.

Okava operates internationally and information may be transferred across jurisdictions.

Personal information may be stored or processed in countries different from the user’s country of residence, including countries that may have different data protection laws.

By using the Platform, you acknowledge and consent to such cross-border transfers where permitted by law.

We retain personal information for as long as reasonably necessary to:

• Provide services;
• Maintain transaction records;
• Comply with legal obligations;
• Resolve disputes;
• Enforce agreements;
• Prevent fraud.

Retention periods may vary depending on:

• Regulatory requirements;
• Transaction history;
• Jurisdictional obligations;
• Operational needs.

We implement reasonable technical, organisational, and administrative safeguards designed to protect personal information against:

• Unauthorised access;
• Loss;
• Misuse;
• Disclosure;
• Alteration;
• Destruction.

However, no system or transmission method can be guaranteed to be completely secure.

The Platform may use:

• Cookies;
• Pixels;
• Analytics tools;
• Device identifiers;
• Session tracking technologies.

These technologies may be used to:

• Improve functionality;
• Analyse traffic;
• Remember preferences;
• Personalise user experiences;
• Deliver marketing communications.

Users may manage cookie settings through browser or device settings where applicable.

We may send:

• Platform updates;
• Property alerts;
• Marketing communications;
• Promotional campaigns;
• Product announcements;
• Service updates.

Users may opt out of marketing communications where permitted by law.

Transactional or compliance-related communications may still be sent where necessary.

Depending on applicable laws, users may have rights to:

• Access personal information;
• Correct inaccurate information;
• Request deletion of information;
• Object to certain processing;
• Restrict processing;
• Withdraw consent;
• Request data portability;
• Lodge complaints with regulators.

Certain rights may be subject to legal or regulatory limitations.

The Platform is not intended for individuals under the age of 18.

We do not knowingly collect personal information from minors without lawful authority or parental consent where required.

The Platform may integrate with or link to third-party services and websites.

Okava is not responsible for:

• Third-party privacy practices;
• Third-party security practices;
• Third-party content;
• Third-party policies.

Users should review third-party privacy policies separately.

Okava may utilise:

• Automated systems;
• Algorithms;
• Artificial intelligence tools;
• Analytics systems

to assist with:

• Property recommendations;
• Fraud detection;
• Verification processes;
• User experience improvements;
• Workflow optimisation.

Such systems may involve automated processing of user information.

We may disclose personal information where required:

• By law;
• By court order;
• By regulatory authorities;
• For anti-money laundering purposes;
• For fraud prevention;
• To protect legal rights or public safety.

Okava reserves the right to amend this Policy at any time.

Updated versions may be published on the Platform.

Continued use of the Platform after updates constitutes acceptance of the revised Policy.

For privacy-related queries or requests:

By using the Okava Platform, you acknowledge that:

• You have read and understood this Privacy Policy;
• You understand how your information may be collected and used;
• You consent to the processing of information as described in this Policy where permitted by law.