November 23, 2023
What Information does Kovo collect?
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 or wireless number, username, password, information about your interests and preferences and any other information you provide to us (“Registration Information”).
When you apply for an account you may provide us with sensitive financial or other information that is necessary to complete the agreement process. This information may include, among other things, your social security number, date of birth, bank account information, credit or debit account information, current credit information, information about your income (“Financial Information”) as well as information about your household and other information that will be used to determine eligibility and terms of your account. During your use of the Service, we may also obtain information about you such as credit history data and score updates (“Financial Information”).
Information Automatically Collected through use of the Site
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.
When using the Site, Kovo will also collect information including your IP address, device, browser, geolocation data, and your activity on the Site. In addition, we may use third party services including but not limited to 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 collect Personal Information from third parties such as referral partners and service providers. At your direction, we may receive credit scores from consumer reporting agencies or identity protection information from third-party service providers.
Use of Personal Information
We use your Personal Information (What Information Does Kovo Collect 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 and managing your account activities
Authenticating your identity
Sending you information about new product offerings
Providing you with personalized advertising on our Services based on your online activity
Providing you with account updates which can include credit scores or identity protection information
Verifying your eligibility to participate in offers and rewards programs
Monitoring, improving, and conducting analytics on our Services
Interacting with our virtual assistant
Detecting security incidents, and protecting against illegal activity
Operating and improving our business
Complying with the law
Sharing of Information
We may disclose your Personal Information to the following:
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, applicable regulators, or in response to a subpoena or judicial request
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.
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
Cookies and Other Technologies
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.
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/.
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.
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. To opt out of receiving marketing SMS messages you may reply STOP to any message you receive from us.
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
Changes to your Personal Information
If you need to update any information you may do so by logging on to your account and making the change or by contacting us at firstname.lastname@example.org.
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 email@example.com.