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   <title>WK Rentals - Privacy Policy & Terms</title>
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<!-- ==================== PRIVACY POLICY ==================== -->

<h1>Privacy Policy</h1>

<p><strong>Last Updated:</strong> [Insert Date]</p>

<p>At WK Rentals, your privacy matters. This policy explains how we collect, use, and protect your information.</p>

<div class="section-divider"></div>

<h2>1. Information We Collect</h2>

<h3>What You Give Us:</h3>
<ul>
   <li>Name, email, phone number, address</li>
   <li>Driver's license and ID details</li>
   <li>Payment information</li>
   <li>Rental preferences and history</li>
</ul>

<h3>What We Collect Automatically:</h3>
<ul>
   <li>Device and browser information</li>
   <li>IP address and location data</li>
   <li>Website usage patterns</li>
   <li>Cookies (see Cookie Policy below)</li>
</ul>

<h3>From Third Parties:</h3>
<ul>
   <li>Credit checks and verification services</li>
   <li>Insurance providers</li>
   <li>Payment processors</li>
</ul>

<h2>2. How We Use Your Information</h2>

<h3>To Provide Our Service:</h3>
<ul>
   <li>Process your rental bookings</li>
   <li>Verify your identity and driving credentials</li>
   <li>Handle payments and refunds</li>
   <li>Communicate about your rental</li>
   <li>Provide customer support</li>
</ul>

<h3>For Safety & Legal Compliance:</h3>
<ul>
   <li>Prevent fraud and unauthorized use</li>
   <li>Comply with Nigerian laws and regulations</li>
   <li>Investigate accidents or violations</li>
   <li>Recover debts and enforce agreements</li>
</ul>

<h3>To Improve Our Service:</h3>
<ul>
   <li>Analyze how customers use our website</li>
   <li>Send you updates and offers (with your permission)</li>
   <li>Improve our vehicles and services</li>
</ul>

<h2>3. Who We Share Your Data With</h2>

<p>We only share your information when necessary:</p>

<ul>
   <li><strong>✅ Service providers</strong> (payment processors, insurance companies)</li>
   <li><strong>✅ Legal authorities</strong> (when required by law)</li>
   <li><strong>✅ Credit agencies</strong> (for verification)</li>
   <li><strong>✅ Business partners</strong> (with your consent)</li>
</ul>

<div class="highlight">
   <p><strong>❌ We do NOT sell your data to third parties</strong></p>
</div>

<h2>4. Your Rights</h2>

<p>Under Nigerian Data Protection Regulation (NDPR), you can:</p>

<ul>
   <li><strong>Access</strong> your data</li>
   <li><strong>Correct</strong> inaccurate information</li>
   <li><strong>Delete</strong> your data (subject to legal requirements)</li>
   <li><strong>Object</strong> to marketing communications</li>
   <li><strong>Withdraw consent</strong> at any time</li>
</ul>

<p><strong>Contact us:</strong> privacy@wkrentals.com</p>

<h2>5. Data Security</h2>

<p>We protect your information with:</p>

<ul>
   <li>Encrypted connections (SSL)</li>
   <li>Secure payment processing</li>
   <li>Regular security audits</li>
   <li>Access controls and authentication</li>
</ul>

<p>While we take security seriously, no online system is 100% secure.</p>

<h2>6. Data Retention</h2>

<p>We keep your data:</p>

<ul>
   <li><strong>Rental records:</strong> 7 years (legal requirement)</li>
   <li><strong>Payment data:</strong> As required by financial regulations</li>
   <li><strong>Marketing data:</strong> Until you opt out</li>
</ul>

<h2>7. Cookies</h2>

<p>We use cookies to:</p>

<ul>
   <li>Remember your preferences</li>
   <li>Analyze website traffic</li>
   <li>Improve user experience</li>
</ul>

<p><strong>Manage cookies:</strong> Use your browser settings to control cookies.</p>

<h2>8. Contact Us</h2>

<div class="contact-box">
   <p><strong>Data Protection Officer</strong></p>
   <p>Email: privacy@wkrentals.com<br>
   Phone: [Insert Number]<br>
   Address: [Insert Address]</p>
   <p><strong>Nigeria Data Protection Commission:</strong> <a href="https://ndpc.gov.ng" target="_blank">https://ndpc.gov.ng</a></p>
</div>

<div class="section-divider"></div>

<!-- ==================== TERMS & CONDITIONS ==================== -->

<h1>Terms & Conditions</h1>

<p><strong>Last Updated:</strong> [Insert Date]</p>

<p>Please read these terms carefully before renting with us.</p>

<div class="section-divider"></div>

<h2>1. Eligibility</h2>

<p>To rent a vehicle, you must:</p>

<ul>
   <li>Be at least 21 years old (25 for SUVs/luxury vehicles)</li>
   <li>Hold a valid driver's license for 2+ years</li>
   <li>Provide valid ID (National ID, Passport, or Driver's License)</li>
   <li>Have a valid payment method</li>
</ul>

<h2>2. Booking & Payment</h2>

<h3>Reservations:</h3>
<ul>
   <li>Book online, by phone, or in person</li>
   <li>Confirmation sent via email/SMS</li>
   <li>Subject to vehicle availability</li>
</ul>

<h3>Cancellation:</h3>
<ul>
   <li><strong>Free:</strong> Up to 24 hours before pick-up</li>
   <li><strong>50% charge:</strong> 12-24 hours before pick-up</li>
   <li><strong>100% charge:</strong> Less than 12 hours or no-show</li>
</ul>

<h3>What You Pay:</h3>
<p><strong>✅ Included:</strong></p>
<ul>
   <li>Daily rental rate</li>
   <li>Basic insurance (Third-Party)</li>
   <li>Roadside assistance</li>
</ul>

<p><strong>❌ Not Included:</strong></p>
<ul>
   <li>Fuel, tolls, parking, fines</li>
   <li>Optional extras (GPS, child seats)</li>
</ul>

<h3>Security Deposit:</h3>
<ul>
   <li>₦50,000 - ₦500,000 (refundable)</li>
   <li>Returned within 7-14 days after rental</li>
   <li>May be used for damages or outstanding charges</li>
</ul>

<h2>3. Pick-Up & Return</h2>

<h3>Pick-Up Requirements:</h3>
<ul>
   <li>Valid driver's license</li>
   <li>Government-issued ID</li>
   <li>Reservation confirmation</li>
   <li>Payment method</li>
</ul>

<h3>Vehicle Inspection:</h3>
<ul>
   <li>We inspect the vehicle together</li>
   <li>Existing damage is documented</li>
   <li>You sign the damage report</li>
   <li>Take photos for your records</li>
</ul>

<h3>Return:</h3>
<ul>
   <li>Return on time to agreed location</li>
   <li>Clean and in same condition</li>
   <li>Full fuel tank (or pay refueling charge)</li>
   <li>Late fees apply after 1-hour grace period</li>
</ul>

<h2>4. Vehicle Use</h2>

<h3>✅ Allowed:</h3>
<ul>
   <li>Personal and business use</li>
   <li>Paved public roads within Nigeria</li>
   <li>By authorized drivers only</li>
</ul>

<h3>❌ Prohibited:</h3>
<ul>
   <li>Commercial ride-hailing (Uber, Bolt) without approval</li>
   <li>Racing or off-road driving</li>
   <li>Driving under influence</li>
   <li>Towing or overloading</li>
   <li>Leaving Nigeria without permission</li>
   <li>Subletting to others</li>
</ul>

<div class="highlight">
   <p><strong>⚠️ Prohibited use voids insurance and makes you fully liable</strong></p>
</div>

<h2>5. Insurance & Liability</h2>

<h3>Included Coverage:</h3>
<ul>
   <li>Third-Party Liability (legal minimum)</li>
   <li>Theft Protection (with deductible)</li>
</ul>

<h3>Optional Coverage:</h3>
<ul>
   <li>Collision Damage Waiver (CDW)</li>
   <li>Reduces your liability for damage</li>
   <li>Subject to deductible</li>
</ul>

<h3>You're Liable For:</h3>
<ul>
   <li>Damage from prohibited use</li>
   <li>Theft due to negligence</li>
   <li>Interior damage (smoking, stains)</li>
   <li>Windscreen, tires, undercarriage</li>
   <li>Traffic fines and violations</li>
   <li>Lost keys or documents</li>
</ul>

<h3>In Case of Accident:</h3>
<ol>
   <li>Ensure everyone's safety</li>
   <li>Call police (get report number)</li>
   <li>Contact us immediately: [Emergency Number]</li>
   <li>Take photos and get witness details</li>
   <li>Don't admit fault or authorize repairs</li>
</ol>

<h2>6. Fuel Policy</h2>

<p><strong>Full-to-Full:</strong></p>
<ul>
   <li>Receive vehicle with full tank</li>
   <li>Return with full tank</li>
   <li>Refueling charge: Pump price + 20% if not full</li>
</ul>

<h2>7. Late Return</h2>

<ul>
   <li><strong>Grace period:</strong> 1 hour (free)</li>
   <li><strong>1-6 hours late:</strong> 25% of daily rate</li>
   <li><strong>6+ hours late:</strong> Full day charge</li>
   <li>Contact us if you'll be late</li>
</ul>

<h2>8. Cleaning Fees</h2>

<ul>
   <li>Excessive dirt: ₦5,000 - ₦15,000</li>
   <li>Smoking odor: ₦20,000 - ₦50,000</li>
   <li>Stains/damage: Actual cleaning cost</li>
   <li>Bio-hazard: ₦30,000 - ₦100,000</li>
</ul>

<h2>9. Traffic Violations</h2>

<ul>
   <li>You're responsible for all fines</li>
   <li>Administration fee: ₦5,000 per violation</li>
   <li>We'll forward fines and provide your details to authorities</li>
</ul>

<h2>10. Roadside Assistance</h2>

<p><strong>24/7 Emergency Support:</strong> [Insert Number]</p>

<ul>
   <li>Call us for breakdowns or issues</li>
   <li>Don't arrange repairs without approval</li>
   <li>Unauthorized repairs won't be reimbursed</li>
</ul>

<h2>11. Theft & Damage</h2>

<h3>Theft:</h3>
<ul>
   <li>Report to police immediately</li>
   <li>Contact us within 2 hours</li>
   <li>Liability: ₦100,000 - ₦500,000 deductible (with protection)</li>
   <li>Full vehicle value (without protection or due to negligence)</li>
</ul>

<h3>Damage:</h3>
<ul>
   <li>Report all damage immediately</li>
   <li>You're liable up to deductible amount (if CDW purchased)</li>
   <li>Full repair cost (without CDW or prohibited use)</li>
</ul>

<h2>12. Personal Belongings</h2>

<p>We're NOT responsible for items left in vehicles. Check carefully before returning.</p>

<h2>13. GPS Tracking</h2>

<p>Our vehicles have GPS for:</p>

<ul>
   <li>Theft recovery</li>
   <li>Fleet management</li>
   <li>Safety and security</li>
</ul>

<p>By renting, you consent to GPS tracking.</p>

<h2>14. Dispute Resolution</h2>

<p><strong>Contact us first:</strong> support@wkrentals.com</p>

<p><strong>If unresolved:</strong></p>
<ul>
   <li>Arbitration under Nigerian law</li>
   <li>Venue: Lagos, Nigeria</li>
   <li>Governing Law: Federal Republic of Nigeria</li>
</ul>

<h2>15. Limitation of Liability</h2>

<p>Our liability is limited to rental charges paid. We're not liable for:</p>

<ul>
   <li>Indirect or consequential damages</li>
   <li>Travel delays or lost profits</li>
   <li>Personal injury (except as required by law)</li>
</ul>

<h2>16. Changes to Terms</h2>

<p>We may update these terms at any time. Changes are effective immediately when posted on our website.</p>

<h2>17. Contact Us</h2>

<div class="contact-box">
   <p><strong>WK Rentals</strong></p>
   <p>📍 [Insert Address]<br>
   📞 [Insert Phone Number]<br>
   📱 WhatsApp: [Insert WhatsApp]<br>
   ✉️ support@wkrentals.com<br>
   🌐 www.wkrentals.com</p>
   <p><strong>Emergency 24/7:</strong> [Insert Emergency Number]</p>
</div>

<h2>18. Acceptance</h2>

<p>By making a booking or using our services, you agree to these Terms and our Privacy Policy.</p>

<div class="section-divider"></div>

<!-- ==================== COOKIE POLICY ==================== -->

<h1>Cookie Policy</h1>

<h2>What Are Cookies?</h2>
<p>Small text files stored on your device to improve your experience.</p>

<h2>We Use Cookies To:</h2>
<ul>
   <li>Remember your preferences</li>
   <li>Analyze website performance</li>
   <li>Provide relevant advertisements</li>
</ul>

<h2>Types of Cookies:</h2>
<ul>
   <li><strong>Essential:</strong> Required for website to function</li>
   <li><strong>Analytics:</strong> Help us improve the site</li>
   <li><strong>Marketing:</strong> Show you relevant ads</li>
</ul>

<h2>Manage Cookies:</h2>
<p>Use your browser settings to block or delete cookies. Note: This may affect site functionality.</p>

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