Kovo Privacy Policy & Notice

July 11, 2022

Thank you for visiting the Kovo Inc. ("Kovo") website (kovocredit.com) (the "Site"), contacting Kovo, and/or using any Kovo services (the "Services"). This Privacy Policy is intended to describe how Kovo handles information that you provide, or that we learn about the individuals who: visit our website, contact us by mail, email or telephone or in person, or who provide us with information through any other means. We recommend that you carefully review this Policy before providing us with any information. By accessing and using this Site, you agree to this Privacy Policy and our Terms of Use.

BY VISITING OR USING THE SERVICES, YOU EXPRESSLY CONSENT TO THE PROCESSING OF YOUR PERSONAL INFORMATION ACCORDING TO THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH OUR POLICIES AND PRACTICES, YOUR CHOICE IS TO NOT USE THE SERVICES.

Privacy Notice

What Information does Kovo collect?

Registration Information

When you register to create an account or use the Services, you may voluntarily provide us with certain information that can be used to contact and identify you. The information we may collect includes, among other things, your name, mailing address, e-mail address, telephone number, username, password, information about your interests and preferences and any other information you provide to us (“Registration Information”).

Financial Information

When you apply for a retail installment sales contract you may provide us with sensitive financial or other information that is necessary to complete the agreement process. This information may include, social security number, bank account information, credit or debit account information, current credit information, information about your income, assets and debt (“Financial Information”) as well as information about your household and other information that will be used to determine eligibility and terms of your retail installment sales contract (“Financial Information”).

For more information on how we collect, use, store, and disclose your social security number, please review Social Security Number Protection located under our Terms of Use.

Non-Personal Information

Like most website operators, Kovo collects non-personally identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request when visitors use the Services. Kovo’s purpose in collecting non-personally identifying information is to better understand how Kovo’s visitors use the Services. From time to time, Kovo may release non-personally identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its Services. Kovo also collects potentially personally identifying information like Internet Protocol (IP) addresses and may collect statistics about the behavior of visitors to the Services. For instance, Kovo may monitor the Services to help identify spam. We also may use these technologies to collect information about your online activities over time and across third-party website or other online services (behavioral tracking).

In addition to log data, we may also collect information about the device you’re using to access the Services, including the type of device, the operating system, device settings, device identifiers and crash data. Whether we collect some or all of this information often depends on what type of device you’re using and its settings. To learn more about the information your device makes available to us, please review the policies of your device manufacturer or software provider.

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this type of information in order to increase the Services’ functionality. These third-party service providers have their own privacy policies addressing how they use such information.

Information you provide about others

Sometimes you may provide contact information about others, for example a friend that you might refer to sign up for our Services.

Information received from third parties

We may also collect Personal Information from third parties such as referral partners.

Use of Personal Information

We use your Personal Information (Financial and Registration Information collectively) to provide you with information or services you request, to inform you about other information and services we think will be of interest to you, to facilitate your use and our operation of our website, and to improve our products and services.

* Here are some examples of ways in which we use your personal information:

* Creating and maintaining your login information on our site

* Contacting you regarding issues with your account or providing you with support

* Servicing activities

* Authenticating your identity

* Sending you information about new product offerings

* Providing you with personalized advertising on our Services based on your online activity

* Verifying your entry into and eligibility to participate in offers and rewards programs

* Monitoring, improving, and conducting analytics on our Services

* Detecting security incidents, and protecting against illegal activity

Sharing of Information

We may disclose your Personal Information to the following:

* Affiliates

* Service Providers who assist or support our business operations 

* Credit reporting agencies

* Other financial services companies or non-affiliated third parties for their marketing purposes as permitted by applicable law such as when you request a  third-party loan or credit card product

* For internal marketing, delivery of emails, including promotional, marketing and transactional materials, delivery of other promotional materials, including via postal mailers, SMS and text messaging, and online and social media promotions and advertising.

* Law enforcement and applicable regulators 

* For fraud prevention and security purposes

Other Ways We May Share your Personal Information

We may disclose non-personally identifiable aggregated information about our users without restriction.

In addition, in some cases we may choose to buy or sell assets. In these types of transactions, user information is typically one of the business assets that is transferred. Moreover, if Kovo or substantially all of its assets were acquired, or in the unlikely event that Kovo goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Kovo may continue to use your personal and non-personal information only as set forth in this Policy. Otherwise, we will not rent or sell potentially personally identifying information to anyone.

We may also disclose your personally identifying information if you expressly consent to the disclosure.

Security

We are committed to protecting your information. We regularly test our facilities and use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use or disclosure. We maintain administrative, technical and physical safeguards designed to protect your information’s security, confidentiality and integrity.

Contacting us by Telephone

If you communicate with us by telephone, we may monitor or record the call. This is done for reasons such as maintaining the integrity of your account, providing effective and timely service, and the improvement of Kovo’s products.

Data Retention and Disposal

The period during which we store your personal information varies depending on the purpose for the processing. For example, we store personal information needed to provide you with services, or to facilitate transactions you have requested, for so long as you are a customer of Kovo or as otherwise required by law. We store your personal information for marketing purposes until you have opted-out of receiving further direct marketing communications in accordance with applicable law. In all other cases, we store your personal information for as long as is needed to fulfill the purposes outlined in this Privacy Policy following which time it is either anonymized (where permitted by applicable law), deleted or destroyed.

Cookies and Other Technologies

We use a variety of technologies such as cookies, pixels, tags, beacons, and scripts to record your preferences, track the use of our Site, collect information, and facilitate advertising. Cookies are small text files that a website server stores on your computer or device. A cookie may convey information about how you use the Service (e.g., the pages you view, the links you click and other actions you take on the Service), and allow us or our business partners to track your usage of the Service over time. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on future visits to the Site. We also use cookies and similar technologies hosted by third parties on the Services. We may receive reports based on the use of these technologies by such companies on an individual and aggregated basis. We may combine this automatically collected log information with other information we collect about you. 

You can usually modify your browser settings to decline cookies and you can withdraw your consent at any time by modifying the settings of your browser to reject or disable cookies or by opting out of specific cookies through the opt-out options shared below. If you choose to decline cookies altogether, you may not be able to fully experience the features of the Site that you visit.

Web Analytics

We use different analytic tools which serve the purpose of measuring, analyzing and optimizing our marketing measures and provide you with customized advertisements that could be of particular interest to you. We use Google Analytics to better understand how you interact with our Site. The information we obtain through our Services may be disclosed to or collected directly by these third parties. To learn more about Google Analytics, please visit https://www.google.com/policies/privacy/partners/

You may also see our ads on other websites because we use third-party ad services. Through these ad services, we may target our messaging to users considering demographic data, users’ inferred interests and browsing context. These services track your online activities over time and across multiple websites and apps by collecting information through automated means, including through the use of cookies, web server logs, web beacons and other similar technologies.

Your Rights and Responsibilities

You are permitted, and hereby agree, to only provide personal information to Kovo if such personal information is accurate, reliable, and relevant to our relationship and only to the extent such disclosure will not violate any applicable data protection law, statute, or regulation.

You may have certain rights under applicable data protection law with respect to personal information about you that is collected through the Site or when you contact or otherwise engage with us. To exercise any of these data privacy rights, please contact us, or have your authorized agent contact us, in accordance with the “Contact Us” section listed below. In the event you submit, or your authorized agent submits on your behalf, a data request, you (and your authorized agent) hereby acknowledge and agree, under penalty of perjury, that you are (or the authorized agent of) the consumer whose personal information is the subject of the request. We will respond to any data requests within the timeframes required by law, and we may charge a fee to facilitate your request where permitted by law.

Marketing

You have the right to opt-out of receiving electronic direct marketing communications from us. All electronic direct marketing communications that you may receive from us, such as e-mail messages, will give you an option of not receiving such communications from us in the future.

California Privacy Rights

California Civil Code Section § 1798.83 permits users of the Site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. Pursuant to the California Consumer Privacy Act of 2018, as amended (“CCPA”), California residents may have certain data privacy rights, such as the right to be notified about what personal information categories are collected about you, and our intended use and purpose for collecting your personal information. You have the right to request access to your personal information and, to the extent feasible, request that it be transmitted in certain forms and formats. You may have the right to request that we (and any applicable service provider) delete your personal information. You have the right not to be subject to discrimination for asserting your rights under the CCPA. If you make, or an authorized agent on your behalf makes, any request related to your personal information, Kovo will ascertain your identity to the degree of certainty required under the CCPA before addressing your request. Kovo may require you to match at least three pieces of personal information we have previously collected from you before granting you access or otherwise responding to your request.

Nevada Privacy Disclaimer

Pursuant to Nevada law, a Nevada “consumer” (as the term is defined therein), may, at any time, submit a verified request through a designated request address to an “operator” directing the operator not to make any sale of his or her personal information that the operator has collected or will collect about the consumer.

Do Not Track

Some web browsers may transmit “do-not-track” signals to the Site with which the user communicates. Because of differences in how web browsers incorporate and activate this feature, it is not always clear whether users intend for these signals to be transmitted, or whether they even are aware of them. We currently do not take action in response to these signals.

Links to Third Party Websites

The Services may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party Site or services.

Changes to your Personal Information

If you need to update any information, (password, physical address, phone number) please contact us at support@kovocredit.com.

Changes to This Privacy Policy

We may occasionally update this Privacy Policy. When we do, we will revise the "last updated" date at the top of the Privacy Policy and take such additional steps as may be required by law.

Children's Privacy

Our services are not intended for or directed to children. We do not knowingly collect personal information from children. If we learn or are notified that we have collected this information from a child under the age of 13, we will promptly remove the data from our system. If you believe we may have information from a child, please contact us at support@kovocredit.com.

Contact Us

If you have questions or concerns regarding this Privacy Policy, our handling of your personal information, or would like to request more information or exercise a data right, please contact us at support@kovocredit.com.

© 2022 Kovo Inc. - a public benefit corporation



There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification.


On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary, since credit scores are independently determined by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations.

© 2022 Kovo Inc. - a public benefit corporation



There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification.


On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary, since credit scores are independently determined by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations.

© 2022 Kovo Inc. - a public benefit corporation



There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification.


On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary, since credit scores are independently determined by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations.