Your privacy and trust are important to us. This Privacy Policy explains how FinKivo ("the App," "we," "our," or "us") collects, uses, stores, and protects your personal information. By using FinKivo, you acknowledge that you have read and understood this Policy and agree to the practices described below.
1. Definitions
Unless otherwise specified, terms used in this Policy have the same meaning as those defined in our Terms of Service. If you have any questions about how FinKivo handles your information or about your privacy rights, please contact us directly.
2. Information We Collect
To operate FinKivo effectively, deliver secure financial services, and comply with applicable regulations, we may collect the following types of information. All data is transmitted securely and stored using encryption.
Personal Information
We may collect your full name, gender, phone number, government-issued identification details, income, and residential address. This information enables FinKivo to verify your identity, assess financial eligibility, and meet compliance requirements such as Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations.
Device and Technical Information
We collect information about your device model, operating system version, unique device identifiers, network status, and connectivity details. These details help ensure that FinKivo functions smoothly on your device, maintains system compatibility, and prevents unauthorized access or fraudulent activity.
Location Data (Approximate)
We may access your approximate location to confirm whether FinKivo services are available in your area and to ensure compliance with region-specific regulations.
Application Usage Data
We may review information related to non-system applications installed on your device, as well as update history and software version details. This data allows FinKivo to refine its credit assessment models, enhance risk control, and improve overall user experience and service performance.
3. How We Use Your Information
FinKivo processes collected information only for lawful and transparent business purposes, which may include:
• Verifying identity and preventing fraudulent activity
• Creating, maintaining, and managing your FinKivo account
• Sending important updates, alerts, and service-related notifications
• Complying with legal and regulatory obligations (including KYC and AML compliance)
• Providing user support and resolving technical issues
• Improving the functionality, performance, and personalization of FinKivo
• Conducting analysis and research to enhance user experience
FinKivo does not sell, rent, or trade your personal data to any third party for marketing purposes.
4. Data Retention
FinKivo retains personal information only as long as necessary to provide services or to fulfill legal and regulatory requirements.
• You may request the deletion of your account or data at any time.
• Some records may need to be retained temporarily to resolve disputes, fulfill audits, or comply with applicable laws.
• Aggregated or anonymized data that cannot identify you personally may be stored indefinitely for analytics, research, or service improvement.
5. Data Security
We employ multiple layers of protection—encryption, access controls, and continuous system monitoring—to safeguard your data from unauthorized access, misuse, or loss. While no system can guarantee absolute security, FinKivo remains committed to maintaining industry best practices and strengthening our defenses on an ongoing basis.
6. Updates to This Policy
As FinKivo evolves, we may update this Privacy Policy to reflect changes in technology, legal requirements, or our services. Major updates will be communicated through the App or by email. Continued use of FinKivo after such updates constitutes acceptance of the revised Policy.
7. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or how FinKivo manages your personal data, please contact us at:
📧 Email: support@finkivo.com
By using FinKivo, you confirm that you have read and understood this Privacy Policy and consent to the collection and use of your information as described herein.