Effective Date: March 15, 2020
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”).
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, 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 our Social Security Policy located at https://kovocredit.com/ssn.
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.
We may disclose non-personally identifiable aggregated information about our users without restriction.
Other than to its employees, contractors and affiliated organizations or as described above, we disclose personally identifying information only when required to do so by law, or when we believe in good faith that disclosure is reasonably necessary to protect the property or rights of Kovo, third parties or the public at large. If you send us a request (for example via chat, a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users.
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.
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 Notice following which time it is either anonymized (where permitted by applicable law), deleted or destroyed.
Cookies are text files containing small amounts of information which are downloaded to your hard disk or to your browser's memory when you visit the Site. Cookies are useful because they help arrange the content and layout of our Site and allow us to recognize those computers or other devices that have been to our Site before. Cookies do many different jobs, such as allowing our Site to remember your preference settings and helping us to enhance the usability and performance of our Site and your experience using them. Our Site also may contain electronic images known as web beacons – sometimes called single-pixel gifs – that allow us to count the number of users who have visited specific pages. We may also include web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon. The type of cookie or similar technology that may be used on our Site can be categorized as follows: Strictly Necessary, Performance, Functionality & Profile and Advertising.
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. In particular, we use the following tools:
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.
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.
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.
We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party Site or services.
We may occasionally update this Privacy Statement. When we do, we will revise the "last updated" date at the top of the Privacy Statement and take such additional steps as may be required by law.
If you have questions regarding this Privacy Statement, our handling of your personal information, or would like to request more information or exercise a data right, please contact us at email@example.com.
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