Is the OKTO app secure? Is my money safe? Accessing the OKTO app via a new mobile phone? Can I deactivate my 4-digit PIN? Can I change my 4-digit PIN? What personal data is stored in the app? For how long do you store my data? Are my personal data/ information secure and encrypted? What app permissions are required to start using the OKTO app? How can I control app permissions for the OKTO? How do I change my password? What can I do if I forget my password? What can I do if my account is locked?