1. INTRODUCTION

Welcome to Omika Ride. We value your trust and are committed to protecting your personal information and ensuring secure payment transactions. This combined Privacy & Payment Policy explains how we collect, use, store, and manage your data, including how payments, refunds, and billing are handled.

By using our website, mobile app, or transportation services, you agree to the practices described below.

1. Privacy Policy

1.1 Information We Collect

We collect the following types of information:

Personal Information

Full name
Email address
Phone number
Address
Payment and billing details
Identification documents (if verification is required)

Ride & Usage Information

Pickup & drop-off locations
Ride history
Communication with drivers or support
Rental preferences

Device & Technical Information

IP address
Device type
App usage data
Cookies and browser data

Location Data
Used for accurate ride assignment, safety, and navigation. You may disable location services, but it may affect app performance.

1.2 How We Use Your Information

Processing ride and rental bookings
Securing and verifying payments
Enhancing app functionality and customer experience
Safety monitoring and fraud detection
Customer support and dispute resolution
Sending alerts, updates, and promotional offers

1.3 How We Share Information

We may share necessary information with:

Drivers (e.g., name, pickup location)
Payment processors (e.g., Stripe, PayPal)
Verification partners (for fraud prevention)
Legal authorities when required by law

We never sell your data to third parties.

1.4 Data Security

We protect your data using:

SSL and encryption
Secure storage systems
Strict access controls
Regular security audits

However, no online system is 100% secure.

1.5 Your Rights

You may request to:

Access your data
Update inaccurate info
Delete your account
Limit marketing messages
Withdraw consent

To request changes, contact us at [Add Email].

2. Payment Policy

This Payment Policy applies to all payments made through Omika Ride, including ride fares, rentals, deposits, and subscription plans.

2.1 Accepted Payment Methods

Omika Ride accepts:

Credit and debit cards (Visa, Mastercard, Amex, etc.)
Apple Pay / Google Pay
Third-party payment gateways (e.g., Stripe)
In-app wallet (if applicable)

All payments are processed through secure, PCI-DSS compliant payment processors.

2.2 Payment Authorization

By booking a ride or rental, you authorize Omika Ride to:

Charge your chosen payment method
Pre-authorize funds for deposits or fare estimates
Verify identity and billing information to prevent fraud

Transactions may appear as pending until completed.

2.3 High-Risk & Fraud Prevention Requirements

Because transportation and rental services may be classified as high-risk, Omika Ride follows strict compliance procedures:

Mandatory identity verification for suspicious or high-value transactions
Location and device checks
Fraud scoring and security monitoring
Temporary holds on accounts showing suspicious activity

Omika Ride reserves the right to refuse or cancel any transaction suspected of fraud, abuse, or policy violations.

2.4 Pricing & Billing Transparency

Before confirming a booking, users will see:

Estimated price
Additional fees (e.g., tolls, waiting time, long-distance charges)
Taxes and surcharges (if applicable)

Final charges may adjust based on actual trip details.

2.5 Refund & Cancellation Policy

Refunds depend on service type:

Instant cancellations before driver assignment → Full refund
After driver dispatch → Cancellation fee may apply
Completed rides → Refunds only for verified service issues

Refund requests are reviewed within 3–7 business days.

All refunds are returned to the original payment method.

2.6 Chargebacks & Disputes

If a user disputes a charge through their bank or payment provider:

Omika Ride will provide transaction records, ride data, GPS logs, and communication history
Accounts involved in fraudulent chargebacks may be suspended
Excessive disputes may lead to permanent account restrictions

We encourage users to contact Omika Ride support first before initiating a chargeback.

2.7 Deposits & Security Holds (For Rentals)

For vehicle rentals, Omika Ride may apply:

Refundable security deposits
Damage or cleaning fees
Late return fees
Mileage overage charges (if applicable)

Deposits are refunded once the vehicle is returned and inspected.

2.8 In-App Wallet & Credits

If you use wallet funds or promotional credits:

Credits are non-transferable
Non-refundable unless required by law
Cannot be exchanged for cash

3. Changes to This Policy

Omika Ride may update this policy at any time. Updates will be posted with a new “Last Updated” date.

Continued use of the app or services confirms your acceptance.

4. Contact Us

For questions about privacy, payments, or disputes:

Omika Ride – Support Team
Email: support@omikaride.com

12. AMENDMENTS

We may amend this Privacy Policy from time to time. When we amend this Privacy Policy, we will update this page accordingly and require you to accept the amendments in order to be permitted to continue using our services.