PRIVACY
POLICY

1. INTRODUCTION

Welcome to Ramah Digital.

Ramah Digital respects your privacy and is committed to handling personal information responsibly, transparently, and securely.

This Privacy Policy explains how Ramah Digital collects, uses, stores, protects, and shares information when you:

• visit the Ramah Digital website;
• create an account;
• participate in the Founding Era;
• purchase a Founder Badge;
• purchase a Founding Traveler or Founding Host membership;
• use the Ramah Digital application;
• use the Ramah Digital platform;
• communicate with Ramah Digital;
• submit information as a Traveler;
• submit information as a Host;
• contact customer support;
• interact with Ramah Digital through approved communication channels.

For purposes of this Privacy Policy, “Ramah Digital,” “Ramah,” “we,” “us,” and “our” refer to the Ramah Digital venture and its current operator.

At the effective date of this Privacy Policy, Ramah Digital is being operated as a founder-operated venture by:

David Ngang Mabior Ngang

Ramah Digital is not represented as an incorporated company unless and until such registration or incorporation has actually occurred.

2. OUR COMMITMENT TO PRIVACY

Ramah Digital believes that personal information should be handled with:

• transparency;
• integrity;
• security;
• accountability;
• respect for individual rights.

We do not intend to collect personal information simply because it is technically possible to collect it.

We seek to collect information that is reasonably necessary to:

• operate Ramah Digital;
• provide requested services;
• establish and manage accounts;
• process payments;
• verify users and Hosts;
• administer the Founding Era;
• allocate Founder Numbers;
• communicate with members;
• protect users;
• prevent fraud;
• improve our products;
• comply with applicable law.

3. IMPORTANT INFORMATION ABOUT DATA STORAGE

Central European / Zurich Data Storage

Ramah Digital's systems may use infrastructure located in Central Europe, including data-storage infrastructure in Zurich, Switzerland, for the storage and processing of personal information.

Where applicable, personal information associated with Ramah Digital accounts, Founder records, platform activity, or related services may therefore be stored on servers or cloud infrastructure located in Zurich, Switzerland / Central Europe.

Switzerland has a comprehensive legal framework governing data protection.

However, storage in Switzerland does not necessarily mean that every processing activity occurs exclusively in Switzerland.

Depending on the technology providers and services used by Ramah Digital, certain information may also be:

• processed through infrastructure located in other European countries;
• transmitted through international telecommunications networks;
• processed by authorized third-party service providers;
• temporarily replicated for security, reliability, backup, or disaster-recovery purposes.

Ramah Digital will take reasonable steps to ensure that international transfers and processing are handled in accordance with applicable legal requirements.

4. WHO IS RESPONSIBLE FOR YOUR INFORMATION?

At the date of this Privacy Policy, Ramah Digital is operated by:

David Ngang Mabior Ngang

Contact Information

5. INFORMATION WE COLLECT

The information we collect depends on how you interact with Ramah Digital.

We may collect the following categories of information.

5.1 Account Information

When you create an account, we may collect:

• full name;
• preferred name;
• username;
• email address;
• telephone number;
• country;
• city or general location;
• account password or authentication information;
• profile photograph;
• account preferences;
• membership information.

We do not intentionally collect more information than reasonably necessary for the relevant purpose.

6. FOUNDER INFORMATION

If you participate in the Founding Era, we may collect information necessary to administer your Founder participation.

This may include:

• full name;
• email address;
• telephone number;
• country;
• Founder category;
• membership tier;
• Founder Number;
• Founder Badge information;
• Founder Certificate information;
• membership activation date;
• payment reference;
• transaction information;
• Founder Hall preferences;
• communications relating to your membership.

Founder Numbers may become part of your permanent Ramah Digital Founder record.

For example:

Founding Traveler #T-0042

or:

Founding Host #H-0018

7. HOST INFORMATION

Hosts may be required to provide additional information.

Depending on the Host service, this may include:

• Host name;
• business name;
• property name;
• property address;
• business contact information;
• property photographs;
• property description;
• ownership or representation information;
• licensing information;
• registration information where applicable;
• identification documents where verification is required;
• banking or payout information;
• tax information where required;
• property facilities;
• availability;
• pricing;
• booking information.

Ramah may request additional information where necessary to verify a Host or property.

8. PAYMENT INFORMATION

When you make a payment to Ramah Digital, we may collect information necessary to verify and reconcile the transaction.

Depending on the payment method, this may include:

• payment amount;
• currency;
• transaction reference;
• payment date;
• sender name;
• recipient information;
• bank information necessary to identify a transfer;
• mobile-money transaction information;
• payment-provider reference;
• receipt or proof of payment;
• payment status;
• refund information.

Payment Card Information

Where card payments are processed through a third-party payment provider, Ramah Digital may not directly receive or store your complete card number, CVV, or other sensitive card authentication information.

Instead, such information may be processed directly by the applicable payment provider under its own security and privacy practices.

You should review the privacy policy of the applicable payment provider where appropriate.

9. BANK TRANSFERS AND MOBILE MONEY

During the Founding Era, Ramah Digital may accept payments through various methods, including:

• bank transfers;
• mobile money;
• M-Pesa;
• authorized remittance services;
• payment gateways;
• payment links;
• other approved payment methods.

Where payment is made through a bank, mobile-money provider, or remittance provider, Ramah may receive limited transaction information necessary to identify and verify your payment.

For example, a bank transfer may provide:

• sender name;
• account identifier;
• transaction reference;
• amount;
• date;
• originating institution.

Ramah will use such information primarily for payment reconciliation, membership activation, fraud prevention, refunds, accounting, and related legitimate purposes.

10. FOUNDER-OPERATED PAYMENT ACCOUNTS

During the Founding Era, some payments may be received through payment accounts held by:

David Ngang Mabior Ngang, the current founder and operator of Ramah Digital.

Where such an arrangement is used, payment information may be available to the account holder and used for purposes including:

• confirming payment;
• matching payments to Founder applications;
• issuing Founder membership;
• issuing Founder Numbers;
• processing refunds;
• maintaining transaction records;
• preventing fraud;
• resolving payment disputes.

Ramah will not intentionally request payment information beyond what is reasonably necessary for the applicable transaction.

11. TECHNICAL INFORMATION

When you use the website or application, certain technical information may automatically be collected.

This may include:

• IP address;
• browser type;
• device type;
• operating system;
• application version;
• language settings;
• time zone;
• referring website;
• pages or screens visited;
• approximate location derived from IP address;
• interaction information;
• error logs;
• device identifiers;
• security information.

This information may be used for:

• security;
• fraud prevention;
• troubleshooting;
• analytics;
• performance monitoring;
• improving the platform;
• maintaining technical reliability.

12. LOCATION INFORMATION

Depending on the features you use and the permissions you grant, Ramah may process location-related information.

This may include:

• country;
• city;
• approximate location;
• property location;
• travel destination;
• location information voluntarily entered by you.

Ramah will not access precise device location unless the relevant feature requires it and you provide the necessary permission.

You may be able to disable location permissions through your device settings.

Disabling location access may affect features that depend on location.

13. COMMUNICATION INFORMATION

When you communicate with Ramah Digital, we may retain information relating to the communication.

This may include:

• emails;
• support requests;
• messages;
• telephone communications;
• feedback;
• complaints;
• payment inquiries;
• Founder inquiries;
• technical-support communications.

We may retain these communications to:

• respond to you;
• resolve disputes;
• improve customer service;
• maintain records;
• prevent fraud;
• comply with legal obligations.

14. INFORMATION YOU CHOOSE TO PROVIDE

You may voluntarily provide additional information through:

• profile information;
• reviews;
• property listings;
• photographs;
• travel preferences;
• comments;
• feedback;
• surveys;
• community participation;
• social content;
• Founder Hall information.

You should avoid submitting information that you do not want Ramah to receive.

15. HOW WE USE PERSONAL INFORMATION

Ramah may use personal information for the following purposes.

15.1 Account Management

To:

• create accounts;
• authenticate users;
• manage profiles;
• maintain memberships;
• administer Founder status.

15.2 Founding Era Administration

To:

• process Founder applications;
• verify payments;
• allocate Founder Numbers;
• issue Founder Badges;
• issue Founder Certificates;
• manage membership tiers;
• maintain Founder records;
• administer Founder benefits.

15.3 Providing Services

To

• operate the Ramah platform;
• provide travel and hospitality services;
• facilitate bookings;
• connect Travelers and Hosts;
• display relevant listings;
• communicate service information.

15.4 Payments

To:

• verify transactions;
• reconcile payments;
• process refunds;
• detect payment fraud;
• resolve payment disputes;
• maintain transaction records.

15.5 Security

To:

• protect accounts;
• detect unauthorized access;
• prevent fraud;
• investigate abuse;
• protect platform infrastructure;
• maintain cybersecurity.

15.6 Customer Support

To:

• answer questions;
• investigate complaints;
• resolve disputes;
• provide technical support.

15.7 Product Development

To:

• improve the website;
• improve the application;
• analyze platform performance;
• develop new features;
• understand user behavior;
• improve user experience.

15.8 Communications

To send:

• account notifications;
• Founder communications;
• payment confirmations;
• service announcements;
• security alerts;
• important legal notices.

Where required by applicable law, marketing communications will be subject to appropriate consent or opt-out mechanisms.

16. LEGAL BASES FOR PROCESSING

Depending on the jurisdiction applicable to you, Ramah may process personal information based on one or more lawful grounds, including:

• performance of a contract;
• steps taken at your request before entering into a contract;
• your consent;
• legitimate interests;
• compliance with legal obligations;
• protection of users and platform security;
• prevention of fraud.

Where consent is the applicable legal basis, you may withdraw consent where permitted by law.

Withdrawal of consent does not necessarily affect processing that occurred lawfully before withdrawal.

17. DATA MINIMIZATION

Ramah intends to follow a principle of data minimization.

This means that we seek to collect information that is:

• relevant;
• reasonably necessary;
• proportionate to the purpose for which it is collected.

We do not intend to collect sensitive information merely because it may be technically available.

18. HOW WE SHARE INFORMATION

Ramah does not intend to sell your personal information as a commercial product.

We may share personal information where reasonably necessary with:

Payment Providers

To process or verify payments.

Cloud and Hosting Providers

To store and process platform information.

Authentication Providers

To securely authenticate users.

Communication Providers

To send emails, notifications, and other communications.

Analytics and Technology Providers

To understand and improve platform performance.

Travel and Hospitality Partners

Where necessary to provide a requested service or booking.

Professional Advisers

Such as lawyers, accountants, auditors, or consultants where reasonably necessary.

Authorities and Law Enforcement

Where required by law, legal process, court order, or legitimate governmental request.

Successor Entities

If Ramah Digital is reorganized, incorporated, transferred, merged, acquired, or otherwise undergoes a legitimate corporate transaction, relevant information may be transferred where legally permitted.

19. WE DO NOT SELL PERSONAL DATA

Ramah Digital does not intend to sell personal information to third parties as a standalone commercial product.

We may, however, use information to operate the business, improve services, communicate with users, provide relevant experiences, and conduct legitimate business activities.

Where advertising or analytics technologies are introduced in the future, the applicable Privacy Policy may be updated to explain their operation.

20. INTERNATIONAL DATA TRANSFERS

Ramah Digital may operate across multiple countries.

As a result, personal information may be transferred across international borders.

Your information may be:

• collected in one country;
• processed in another;
• stored in Switzerland;
• accessed by authorized service providers in another jurisdiction.

Our current infrastructure may include Central European / Zurich-based data storage.

Where international transfers are subject to legal requirements, Ramah will seek to use appropriate safeguards required by applicable law.

21. DATA STORAGE IN ZURICH, SWITZERLAND

Ramah Digital places particular importance on secure infrastructure.

Personal information may be stored using cloud or database infrastructure located in:

Zurich, Switzerland / Central Europe.

The purpose of using such infrastructure may include:

• secure data storage;
• database operation;
• backup;
• disaster recovery;
• platform reliability;
• performance;
• security.

The actual location of a particular data element may vary depending on the technology provider and service involved.

Where information is replicated for backup or disaster recovery, copies may exist in additional locations where permitted by applicable law.

22. DATA SECURITY

Ramah Digital takes reasonable technical and organizational measures intended to protect personal information against:

• unauthorized access;
• unauthorized disclosure;
• alteration;
• loss;
• destruction;
• misuse.

Security measures may include:

• access controls;
• authentication systems;
• encryption where appropriate;
• secure connections;
• database security;
• monitoring;
• backups;
• role-based access;
• security reviews.

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

Ramah therefore cannot guarantee absolute security.

23. ACCOUNT SECURITY

You are responsible for maintaining the security of your account.

You should:

• use a strong password;
• avoid sharing credentials;
• use unique credentials;
• log out from shared devices;
• notify Ramah of suspected unauthorized access.

Ramah will never intentionally ask you to disclose your password through an unsolicited message.

24. DATA RETENTION

Ramah will retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer period is required or permitted by law.

Retention periods may depend on:

• the type of information;
• the purpose for which it was collected;
• whether an account remains active;
• legal obligations;
• accounting requirements;
• fraud prevention;
• dispute resolution;
• security requirements.

Certain information may need to be retained after an account is closed because of legal, financial, security, or recordkeeping requirements.

25. FOUNDER RECORD RETENTION

Founder information may receive longer-term retention because Founder Numbers and Founder status are intended to represent historical participation in the Ramah Digital Founding Era.

For example, Ramah may retain records necessary to establish that:

Founding Traveler #T-0042

was legitimately allocated to a particular member.

Such records may include:

• Founder Number;
• membership category;
• activation date;
• relevant transaction record;
• certificate information;
• Founder Badge information.

Founder records may therefore be retained for as long as reasonably necessary to preserve the integrity of the Founding Era historical record and comply with legal obligations.

26. COOKIES AND SIMILAR TECHNOLOGIES

Ramah Digital may use cookies and similar technologies.

These technologies may be used to:

• keep users logged in;
• remember preferences;
• maintain security;
• understand website usage;
• measure performance;
• improve user experience.

Where required by applicable law, Ramah will provide appropriate cookie controls or consent mechanisms.

You may also control certain cookies through your browser settings.

Disabling certain cookies may affect website functionality.

27. CHILDREN'S PRIVACY

Ramah Digital is not designed to knowingly collect personal information from children who are not legally permitted to use the applicable service.

Where a particular Ramah service has a minimum age requirement, users must meet that requirement.

If we become aware that personal information has been collected from a person who is not permitted to use the relevant service, we may take reasonable steps to delete or restrict that information where required by law.

Parents or guardians who believe a child has provided information to Ramah may contact:

ramahdigital08@gmail.com

28. YOUR PRIVACY RIGHTS

Depending on your country or applicable law, you may have rights concerning your personal information.

These may include the right to:

• request access to your personal information;
• request correction of inaccurate information;
• request deletion of certain information;
• request restriction of processing;
• object to certain processing;
• withdraw consent where consent is the legal basis;
• request a copy of certain information;
• object to certain marketing communications;
• raise a complaint with an applicable data-protection authority.

These rights may be subject to legal limitations.

29. HOW TO EXERCISE YOUR RIGHTS

To make a privacy request, contact:

ramahdigital08@gmail.com

You may also contact:

davidngangm@gmail.com

Your request should preferably include:

• your full name;
• account email;
• Founder Number, if applicable;
• description of your request;
• information necessary to verify your identity.

Ramah may request reasonable information to confirm that the person making the request is authorized to access or modify the relevant information.

30. IDENTITY VERIFICATION

For certain requests, Ramah may need to verify your identity before providing or changing information.

This is intended to prevent unauthorized persons from:

• accessing your data;
• deleting your account;
• changing your Founder identity;
• obtaining another user's information.

Ramah will seek to avoid collecting unnecessary identity information for this purpose.

31. PUBLIC FOUNDER INFORMATION

If you voluntarily consent to being displayed in the Founder Hall or another public Founder recognition feature, certain information may become publicly visible.

This may include:

• display name;
• Founder Number;
• Founder category;
• membership tier;
• country or general location;
• Founder Badge;
• Founder Certificate information.

Ramah will not intentionally publish private contact information such as:

• personal email;
• phone number;
• payment details;
• identification documents;

as part of ordinary Founder Hall publication.

32. USER-CONTROLLED INFORMATION

Where technically available, you may be able to:

• edit your profile;
• update your contact information;
• change preferences;
• delete certain content;
• control certain communications;
• request account deletion.

Certain records may need to be retained for legitimate legal, security, accounting, or historical Founder purposes.

33. MARKETING COMMUNICATIONS

Ramah may communicate with users about:

• new services;
• Founding Era developments;
• regional launches;
• membership benefits;
• events;
• promotional opportunities;
• platform announcements.

Where required by applicable law, marketing communications will include appropriate consent and/or opt-out mechanisms.

You may request that Ramah stop sending non-essential marketing communications.

Certain transactional and legal communications cannot necessarily be opted out of, including:

• security notifications;
• payment confirmations;
• account notices;
• changes to Terms;
• important service announcements.

34. THIRD-PARTY LINKS

The Ramah Digital platform may contain links to third-party websites or services.

Ramah does not control the privacy practices of those third parties.

You should review the privacy policy of any third-party service before providing personal information to it.

35. THIRD-PARTY PAYMENT SERVICES

Payments may be processed through third-party financial institutions and payment providers.

Those providers may independently collect and process information according to their own privacy policies.

Ramah is not responsible for privacy practices that are independently controlled by a third-party payment provider.

36. THIRD-PARTY HOSTS AND TRAVEL PROVIDERS

When you use Ramah to interact with a Host, property, travel provider, or other third party, certain information may need to be shared to facilitate the requested service.

The information shared will depend on the transaction.

For example, a booking may require information such as:

• name;
• contact information;
• booking details;
• number of guests;
• arrival information.

Users should understand that third-party service providers may process information according to their own policies.

37. DATA BREACHES AND SECURITY INCIDENTS

If Ramah becomes aware of a security incident involving personal information, we will assess the incident and take reasonable steps to:

• contain the incident;
• investigate the cause;
• protect affected systems;
• restore services;
• comply with applicable legal obligations;
• notify affected persons or authorities where legally required.

38. BUSINESS TRANSFERS

If Ramah Digital is:

• incorporated;
• reorganized;
• merged;
• acquired;
• sold;
• transferred;
• placed under a new legal entity;

personal information may form part of the assets or records transferred as part of that transaction where legally permitted.

Any successor operator will be expected to handle personal information consistently with applicable privacy requirements.

39. CHANGES TO THIS PRIVACY POLICY

Ramah may update this Privacy Policy from time to time.

Changes may be made because of:

• new services;
• new technology;
• changes in data practices;
• legal requirements;
• regulatory developments;
• security improvements;
• business restructuring.

The updated Privacy Policy will be published with a revised Last Updated date.

Where required by applicable law, Ramah will provide appropriate notice of material changes.

40. GOVERNING LAW

This Privacy Policy is intended to operate consistently with applicable law, including applicable privacy and data-protection requirements in the jurisdictions in which Ramah operates.

Because Ramah intends to serve users internationally, mandatory privacy rights in a user's jurisdiction may apply regardless of the governing-law provisions contained in other Ramah agreements.

Nothing in this Privacy Policy is intended to remove a legal right that cannot lawfully be removed.

41. CONTACT US ABOUT PRIVACY

If you have questions, concerns, complaints, or requests concerning your personal information, contact:

42. PRIVACY ACKNOWLEDGEMENT

By creating an account, using Ramah Digital, joining the Founding Era, purchasing a Founder Badge, purchasing a membership, submitting information, or otherwise using Ramah Digital services, you acknowledge that you have had an opportunity to review this Privacy Policy.

You understand that:

• Ramah collects information necessary to operate its services;
• Ramah may process account, payment, technical, communication, and membership information;
• Founder information may be retained as part of the historical Founder record;
• certain information may be shared with authorized service providers;
• payment providers may independently process payment information;
• Ramah's infrastructure may include data storage in Zurich, Switzerland / Central Europe;
• information may be processed across international borders;
• Ramah takes reasonable measures to protect personal information;
• no internet-based system can guarantee absolute security;
• you may have privacy rights depending on your jurisdiction;
• you may contact Ramah regarding privacy matters at ramahdigital08@gmail.com.

43. FINAL PRIVACY STATEMENT

Ramah Digital is being built with the principle that trust is infrastructure.

Your personal information is not merely technical data. It is information entrusted to Ramah in order to participate in a digital travel and hospitality ecosystem.

We therefore intend to treat personal information with care, use it for legitimate purposes, limit unnecessary collection, protect it through reasonable security measures, and provide transparency about how it is handled.

Where our infrastructure uses Central European data storage, including Zurich, Switzerland, we will continue working to maintain appropriate technical and organizational safeguards as Ramah Digital grows internationally.

Your data. Your privacy. Your trust.

RAMAH DIGITAL

Your Home. Your World. Your Journey.

Privacy Policy Version: 1.0
Effective Date: 23 August 2026
Last Updated: 23 August 2026