Kivo Privacy Policy

1. Information We Collect

We collect only the information necessary to provide core app functionality.

A. Account Information

When you create an account, we may collect:

• Email address
• User ID
• Authentication credentials (via secure authentication provider)

We associate data with your user account to personalize your experience.

B. Financial Information

If you choose to connect a financial account through Plaid, we may collect:

• Transaction history
• Merchant names
• Transaction amounts and dates
• Account type (e.g., credit card)
• Rewards-related data

We do not collect or store:

• Bank login credentials
• Account passwords
• Full card numbers
• Payment authorization data

Plaid handles authentication securely. For more information, see Plaid's Privacy Policy.

C. Location Information

With your permission, we collect precise location data when the app is in use in order to:

• Detect nearby merchants
• Trigger card recommendations
• Enable geofence-based features

We do not use your location for advertising or third-party marketing.

We do not collect continuous background location data beyond what is required for core functionality.

D. Usage Information

We may collect limited usage data such as:

• App launches
• Feature usage
• Error events

This data is used strictly to improve app performance and reliability.

2. How We Use Your Information

We use collected information only for:

• Providing card recommendations
• Calculating rewards estimates
• Detecting nearby merchants
• Authenticating users
• Improving performance and reliability
• Preventing fraud or abuse
• Customer support

We do not use your data for:

• Third-party advertising
• Selling personal data
• Cross-app tracking

3. How We Store and Protect Data

Transaction and account data are securely stored using encrypted infrastructure (e.g., Supabase and secure cloud hosting providers).

We implement industry-standard safeguards including:

• Encryption in transit (TLS)
• Encrypted storage
• Access controls
• Secure authentication systems

While no system is 100% secure, we take reasonable steps to protect your data.

4. Data Sharing

We do not sell your personal information.

We may share limited data with trusted service providers solely to operate the app, including:

• Plaid (financial account connectivity)
• Cloud hosting providers
• Authentication providers

These providers are contractually obligated to protect your data.

5. Data Retention

We retain your data only as long as necessary to provide the app's functionality.

You may:

• Disconnect a financial account at any time
• Delete your account
• Request deletion of stored data

Upon verified request, we will delete your associated personal data unless required to retain it for legal obligations.

6. Your Rights

Depending on your jurisdiction (including California and the European Economic Area), you may have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion
• Request data portability
• Object to processing
• Withdraw consent

To exercise these rights, contact us at: info@usekivo.com

We do not discriminate against users for exercising privacy rights.

7. Tracking and Advertising

Kivo does not:

• Use third-party advertising
• Share financial data for advertising purposes
• Track users across apps or websites

We do not use your data for targeted advertising.

8. Children's Privacy

Kivo is not directed to children under 13. We do not knowingly collect personal information from children.

If you believe a child has provided us information, please contact us so we can delete it.

9. International Users

Your data may be processed in the United States or other jurisdictions where our service providers operate. We implement appropriate safeguards to protect personal data.

10. Changes to This Policy

We may update this Privacy Policy periodically. If material changes occur, we will notify users within the app or by updating the effective date above.

11. Contact Us

If you have questions about this Privacy Policy or your data, contact:

Kivo Tech, Inc.

Email: info@usekivo.com

Website: https://www.usekivo.com