18.1 You understand and agree that Zaako may access, preserve, and disclose your personal information and the contents of Your account if required to do so by law or in a good faith belief that such access preservation of disclosure is reasonably necessary to comply with legal process or protect the rights, property and/or safety of Zaako, its affiliates or the public. 18.2 Your Personal information collected by Zaako may be stored and processed in Zambia or any other country in which Zaako or its agents maintain facilities. By Using the Service, you consent to any such transfer of information outside of your country. 18.3 We only Use your personal information in accordance with our Privacy Policy. Please take the time to read our Privacy Policy, as it includes important terms which apply to you. 18.4 Upon downloading the App and clicking the “Accept” option with respect to these Terms and Conditions, you will be deemed to have accepted Zaako’s Privacy Policy, a copy of which is available on the Bumi Capital Services Website.