Privacy Policy

1. Introduction

Tetra Property Group LLC ("Oikoro," "we," "us," or "our") operates the website oikoro.com (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

We may collect the following types of information:

• Account Information: Name, email address, and encrypted password when you create an account.
• Business Profile Information: Business name, description, category, phone number, email, website, physical address, and service area details you provide for your listing.
• Payment Information: Billing details are processed securely through Stripe. We do not store your credit card numbers on our servers.
• Usage Data: Information about how you use our website, including pages visited, time spent, browser type, and IP address.
• Communications: Messages sent through our contact forms or between users and businesses on the platform.

3. Verification Documents

As part of our business verification program, we collect certain sensitive documents from businesses that voluntarily apply for verification. These may include:

• Professional and contractor licenses (including license numbers)
• General liability insurance certificates (including provider names and policy numbers)
• Surety bond certificates (including bond amounts)
• Business registration documents (LLC articles, EIN confirmation letters, state registrations)
• Government-issued photo identification (driver's license, passport, or state ID of the business owner)
• IRS Form W-9

How we handle these documents:

• Verification documents are submitted voluntarily by the business owner as part of the verification application process.
• Documents are stored securely using encrypted storage and are accessible only to authorized Oikoro administrators for the sole purpose of verification review.
• We retain verification documents for as long as the business maintains an active listing on Oikoro, or as required by law.
• Upon account deletion or at the business owner's written request, verification documents will be permanently deleted within 30 days, unless retention is required by law.
• We do not sell, share, or distribute verification documents to any third party, except when required by law or legal process.
• Document information (such as license numbers) may be used solely to confirm validity with the issuing authority.

4. How We Use Your Information

• Provide, maintain, and improve the Service
• Process transactions and send related information (confirmations, invoices)
• Connect consumers with property professionals
• Review and process business verification applications
• Send administrative emails (account verification, security alerts, updates)
• Respond to your comments, questions, and support requests
• Monitor and analyze usage trends to improve user experience
• Detect, investigate, and prevent fraudulent or unauthorized activity

5. Sharing Your Information

We do not sell your personal information. We may share information with:

• Service Providers: Third-party companies that help us operate our business (payment processing via Stripe, email delivery via Resend, hosting via Vercel, database services).
• Business Listings: If you contact a business through our platform, your name and message will be shared with that business.
• Verification Authorities: We may contact licensing boards or insurance providers to verify the authenticity of documents submitted by businesses.
• Legal Requirements: When required by law, subpoena, or court order, or to protect our rights, privacy, safety, or property.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information. All data transmission is encrypted using SSL/TLS. Passwords are hashed using industry-standard bcrypt encryption. Payment processing is handled by Stripe, a PCI-compliant payment processor. Verification documents are stored in encrypted storage with access limited to authorized personnel only.

While we take reasonable precautions to protect your data, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. Business profile data and verification records are retained while your listing is active. Upon account deletion:

• Account information is permanently deleted
• Business listings and associated reviews are removed
• Verification documents are permanently deleted within 30 days
• Anonymized usage data may be retained for analytics purposes
• Data required for legal, tax, or regulatory compliance may be retained as required by applicable law

8. Cookies

We use cookies and similar technologies to maintain your session, remember your preferences, and understand how you interact with our Service. You can control cookies through your browser settings.

9. Your Rights

You have the right to:

• Access, update, or delete your personal information
• Request deletion of your verification documents at any time
• Opt out of marketing communications
• Request a copy of your data
• Close your account at any time

To exercise these rights, contact us at info@oikoro.com. We will respond to requests within 30 days.

10. California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information. To exercise your CCPA rights, contact us at info@oikoro.com.

11. Children's Privacy

Our Service is not directed to anyone under the age of 18. We do not knowingly collect personal information from children.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page, updating the "Last updated" date, and sending an email notification where appropriate.

13. Contact Us

If you have questions about this Privacy Policy, contact us at: