Privacy policy

Last updated: 7/18/2024

At Klover (“Klover,” “we,” “our,” or “us”), we take your privacy seriously. Please read this Privacy Policy (“Policy”) to learn how we treat your Personal Information. By using or accessing our Services in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent that we will collect, use and share your information as described in this Privacy Policy.Remember that your use of Klover's Services is at all times subject to our Terms and Conditions, which incorporates this Privacy Policy. Any terms we use in this Policy without defining them have the definitions given to them in our Terms and Conditions.
You may print a copy of this Privacy Policy by clicking here.

Privacy Policy Table of Contents

What this Privacy Policy Covers

Personal Information

  • Categories of Personal Information We Collect
  • Categories of Sources of Personal Information
  • Our Commercial or Business Purposes for Collecting or Disclosing Personal Information
  • To Whom We Disclose Your Personal Information
  • Legal Obligations
  • Business Transfers
  • Data that is Not Personal Information

Tracking Tools, Advertising and Opt-Out

  • Information About Interest-Based Advertising

Data Security and Retention

Personal Information of Children

California Resident Rights

Virginia Resident Rights

Exercising Your Rights Under CCPA and VCDPA

California Shine A Light Law

Nevada State Privacy Rights

Additional State Law Privacy Rights

Changes to this Privacy Policy

Contact Information

What this Privacy Policy Covers

This Privacy Policy covers how Klover treats Personal Information that we gather when you access or use our Services. We may collect your data to improve our app functionality, security and compliance, including information you provide, information about your transactions, information from third parties and information collected when you interact with us and our Services. 

In addition, the Privacy Policy covers the related content, products, services, platforms and other functionality offered on or through the Klover Services, and any other website or mobile application that we own or control and which posts or links to this Privacy Policy (collectively, including the Site, the App and the Extension, the “Service”). 

By the Klover Services you grant Klover and and each of the financial institutions and/or financial technology providers that Klover partners with to offer and/or to provide the Services (“Financial Partners”) as listed below, the right, power and authority to act on our behalf to access and transmit our Personal Information from the relevant financial institution. You agree to your Personal Information being transferred, stored and processed by these Financial Partners in accordance with the Financial Partner’s terms of service and privacy policy (the links are provided below).

Personal Information

When you use our Services, we receive Personal Information in a variety of ways, including directly from you that you provide to us.“Personal Information” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal data” or "sensitive personal information" under applicable data privacy laws, rules or regulations. Personal Information does not include “de-dentified” or “aggregated data” as described below. This Privacy Policy does not cover the practices of companies we don’t own or control or people we don’t manage.

We collect Personal Information in connection with your visits to and use of the Service. This collection includes information that you provide in connection with the Service, information from third parties, and information that is collected automatically such as through the use of cookies and other tracking technologies described below.

Categories of Personal Information We Collect

This chart details the categories of Personal Information that we collect and have collected over the past 12 months:

Category of Personal
Information

Examples of Personal Information We Collect

Profile, Account or Contact Data

Information that you provide to us after you create a Klover account
• First and last name
• Email
• Phone number
• Mailing address
• Birth date
• Gender
• Unique identifiers such as passwords
Identifiers
Cultural or social identifiers (for example, being a skateboarder, a Green Bay Packers fan, an environmental activist, etc.)
Payment Data
• Payment card type
• Credit or debit card number
• Bank account information
• Billing address, phone number, and email
• Transactional data
• Data transaction data
Commercial Data
• Purchase history/transaction data
• Consumer profiles
• Records of personal property
• SKU Data
• Physical receipt data
Device/IP Data
• IP address
• Device ID
• Domain server
• Type of device/operating system/browser used to access the Services
• Connection type (e.g. by cell phone or wifi)
Web Analytics
• Browsing or search history
• Web page interactions (including with ads)
• Referring webpage/source through which you accessed the Services
• Non-identifiable request IDs
• Statistics associated with the interaction between device or browser and the Services
Social Network Data
User name
Consumer Demographic Data
• Age / date of birth
• Zip code
• Gender
• Race
• Ethnicity
• Sexual orientation
• Political opinions
• Religious beliefs
• Psychographic Information
• Research opinions
Professional or Employment-Related Data
Job title
Geolocation Data
• IP-address-based location information
• GPS data
Categories of Data Considered "Sensitive" Applicable Data Privacy Laws
• A person's account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account
• Race or ethnic origin
• Religious beliefs
• Health data
• Personal information concerning a consumer's sex or sexual orientation
• Inferred socioeconomic status
Inferences Drawn From Other Personal Information Collected
• Profiles, reflecting user attributes, behavior, preferences or abilities/aptitudes
Survey Responses
• Information you provide when answering survey questions in the Klover App, which may include information on your interests, household information and demographic information
Other Identifying Information that You Voluntarily Choose to Provide
• Identifying information in emails or other communications you send us

Categories of Sources of Personal Information

We collect Personal Information about you from the following categories of sources:

You

When you provide such information directly to us.

  • When you create an account or use our interactive tools and Services.
  • When you voluntarily provide information in free-form text boxes through the Services or through responses to surveys or questionnaires.
  • When you send us an email or otherwise contact us.
  • When you upload receipts or connect your digital purchases.

When you use the Services and such information is collected automatically.

  • Through Cookies (defined in the “Tracking Tools, Advertising and Opt-Out” section below).
  • If you download our mobile application or use a location-enabled browser, we may receive information about your location and mobile device, as applicable.
  • If you download and install certain applications and software we make available, we may receive and collect information transmitted from your computing device for the purpose of providing you the relevant Services, such as information regarding when you are logged on and available to receive updates or alert notices.
  • Analytics data including information about your use of the Klover Services such as pages and screens viewed, how long you spent on a page or screen, how you arrived at a screen, rewards earned and links clicked.

Third Parties

Vendors

  • We may use analytics providers to analyze how you interact and engage with the Services, or third parties may help us provide you with customer support.
  • We may use vendors to obtain information to create or enrich user profiles.
  • We may use service providers that perform services on our behalf, such as payment processors and multimedia providers that may share some of this information with us.

Advertising Partners

  • We receive information about you from some of our vendors who assist us with marketing or promotional services related to how you interact with our websites, applications, products, Services, advertisements or communications.

Third Party Accounts Authorized by You

If you provide your credentials to any third party account (such as a social network account, linked retailers and financial institution (linked bank) via Plaid Inc.) to us or otherwise sign in to the Services through such third-party site or service, some content and/or information in or from those accounts may be transmitted to us.

  • The data related to your linked bank account(s) or credit or debit card(s) (a “Payment Credential”): account numbers and card transaction data collected and stored by our third-party providers (including credit and/or debit card transaction data collected by our third-party provider, Plaid, that covers the prior 24 months and all subsequent transactions until the account is unlinked from your Klover account) bank fees and refunds, direct deposits, rent and/or mortgage payments, and bill payments (collectively, the “Transaction Data”). For more information on Plaid’s privacy practices, please see their Privacy Policy.
  • We also collect information in connection with retailers you link to Klover such as item or SKU-level data from purchases made. You have the ability to link other email accounts or digital loyalty accounts to your Klover account, as directed by you, through the use of your login credentials to such account(s) so that we, as your agent, can retrieve purchase information from digital receipts in your digital consumer account or email. In processing your digital receipt data, we may retrieve personal information such as name, payment method, billing address, mailing address, and other information contained in the digital receipt email.

Our Commercial or Business Purposes for Collecting or Disclosing Personal Information

  • Providing, Customizing and Improving the Services
  • Creating and managing your account or other user profiles.
  • Processing orders or other transactions; billing.
  • Providing you with the products, services or information you request.
  • Meeting or fulfilling the reason you provided the information to us.
  • Providing support and assistance for the Services.
  • Improving the Services, including testing, research, internal analytics and product development.
  • Personalizing the Services, website content and communications based on your preferences.
  • Conducting fraud protection, security and debugging.
  • Carrying out other business purposes stated when collecting your Personal Information or as otherwise set forth in applicable data privacy laws, such as the California Consumer Privacy Act (the “CCPA”), as amended by the California Privacy Rights Act of 2020 (the “CPRA”) (together, the "CCPA"), the Virginia Consumer Data Protection Act (the "VCDPA") and other applicable state data privacy laws.
  • Marketing and Selling the Services.
  • Showing you advertisements, including interest-based or online behavioral advertising.
  • Corresponding with you.
  • Responding to correspondence that we receive from you, contacting you when necessary or requested, and sending you information about Klover or the Services.
  • Sending emails and other communications according to your preferences or that display content that we think will interest you.
  • Meeting legal requirements and enforcing legal terms
  • Fulfilling our legal obligations under applicable law, regulation, court order or other legal process, such as preventing, detecting and investigating security incidents and potentially illegal or prohibited activities.
  • Protecting the rights, property or safety of you, Klover or another party.
  • Enforcing any agreements with you.
  • Responding to claims that any posting or other content violates third-party rights.
  • Resolving disputes.

We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated or incompatible purposes without providing you notice. If you are a California resident, please note that we only use or disclose your sensitive personal information for the purpose set forth in section 7027(m) of the CCPA regulations.

To Whom We Disclose Your Personal Information

We disclose your Personal Information to the categories of service providers and other parties listed in this section. Depending on state laws that may be applicable to you, some of these disclosures may constitute a “sale” of your Personal Information. For more information, please refer to the state-specific sections below.

NOTE: Data obtained through the short code program will not be shared with any third-parties for their marketing reasons/purposes.

  • Service Providers. These parties help us provide the Services or perform business functions on our behalf. They include:
    • Hosting, technology and communication providers.
    • Security and fraud prevention consultants.
    • Analytics providers.
    • Support and customer service vendors.
    • Product fulfillment and delivery providers.
    • Payment processors, including TabaPay, Inc. - Tabapay Privacy Policy
    • Advertising Partners. These parties help us market our services and provide you with other offers that may be of interest to you. They include:
    • Ad networks.
    • Marketing providers.
    • Data aggregators or brokers.
  • Business Partners. These parties partner with us in offering various services. They include:
    • Businesses that you have a relationship with.
    • Companies that we partner with to offer joint promotional offers, opportunities, or products or services.
    • Other third parties who may advertise their products or services to you or that otherwise license or purchase your Personal Information from us.
    • Parties You authorize, access or authenticate.
    • Third parties you access through the Services.
    • Social media services.
  • Other users.
    • We may enable you to disclose Personal Information to other users of the Service at your direction.

Legal Obligations

We may disclose any Personal Information that we collect to third parties in conjunction with any of the activities set forth under “Meeting Legal Requirements and Enforcing Legal Terms” in the “Our Commercial or Business Purposes for Collecting Personal Information” section above.

Business Transfers

All of your Personal Information that we collect may be transferred to a third party if we undergo a merger, acquisition, bankruptcy or other transaction in which that third party assumes control of our business (in whole or in part). Should one of these events occur, we will make reasonable efforts to notify you before your information becomes subject to different privacy and security policies and practices.

Data that is Not Personal Information

We may create aggregated, de-identified or anonymized data from the Personal Information we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified or anonymized data and disclose it to third parties for our lawful business purposes, including to analyze, build and improve the Services and promote our business, provided that we will not disclose such data in a manner that could identify you.

  • De-identified: means information that cannot reasonably be used to infer information about, or otherwise be linked to, a particular consumer, provided that the business that possesses the information: (A) takes reasonable measures to ensure that the information cannot be associated with a consumer or household; (B) publicly commits to maintain and use the information in deidentified form and not to attempt to reidentify the Information, except that the business may attempt to reidentify the information solely for the purpose of determining whether its deidentification processes satisfy the requirements of this definition; and (C) contractually obligates any recipients of the information to comply with all provisions of this definition.
  • Aggregated: means information that relates to a group or category of consumers, from which individual consumer identities have been removed, that is not linked or reasonably linkable to any consumer or household, including via a device. "Aggregate consumer information" does not mean one or more individual consumer records that have been deidentified.

Tracking Tools, Advertising and Opt-Out

The Services use cookies and similar technologies such as pixel tags, web beacons, clear GIFs and JavaScript (collectively, “Cookies”) to enable our servers to recognize your web browser, tell us how and when you visit and use our Services, analyze trends, learn about our user base and operate and improve our Services. Cookies are small pieces of data– usually text files – placed on your computer, tablet, phone or similar device when you use that device to access our Services. We may also supplement the information we collect from you with information received from third parties, including third parties that have placed their own Cookies on your device(s). You can control the use of your Cookies on the joinklover.com website by clicking the button on the lower left side of the home page and changing your cookie settings.

We use the following types of Cookies:

  • Essential Cookies. Essential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of our Services. Disabling these Cookies may make certain features and services unavailable.
  • Functional Cookies. Functional Cookies are used to record your choices and settings regarding our Services, maintain your preferences over time and recognize you when you return to our Services. These Cookies help us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
  • Performance/Analytical Cookies. Performance/Analytical Cookies allow us to understand how visitors use our Services. They do this by collecting information about the number of visitors to the Services, what pages visitors view on our Services and how long visitors are viewing pages on the Services. Performance/Analytical Cookies also help us measure the performance of our advertising campaigns in order to help us improve our campaigns and the Services’ content for those who engage with our advertising. For example, Google LLC (“Google”) uses cookies in connection with its Google Analytics services. Google’s ability to use and disclose information collected by Google Analytics about your visits to the Services is subject to the Google Analytics Terms of Use and the Google Privacy Policy. You have the option to opt-out of Google’s use of Cookies by visiting the Google advertising opt-out page or installing the Google  Analytics Opt-out Browser Add-on.
  • Marketing Cookies. Marketing Cookies collect data about your online activity and identify your interests so that we can provide advertising that we believe is relevant to you. For more information about this, please see the section below titled “Information about Interest-Based Advertisements.”

You can decide whether or not to accept Cookies through your internet browser’s settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allow you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit our website and some of the Services and functionalities may not work.

To explore what Cookie settings are available to you or to modify your preferences with respect to Cookies, you can access your Cookie management setting by clicking the Cookie icon in the bottom right-hand corner of this screen. To find out more information about Cookies, including information about how to manage and delete Cookies, please visit http://www.allaboutcookies.org/.

Information about Interest-Based Advertisements:

We may serve advertisements, and also allow third-party ad networks, including third-party ad servers, ad agencies, ad technology vendors and research firms, to serve advertisements through the Services. These advertisements may be targeted to users who fit certain general profile categories or display certain preferences or behaviors (“Interest-Based Ads”). Information for Interest-Based Ads (including Personal Information) may be provided to us by you, or derived from the usage patterns of particular users on the Services and/or services of third parties. Such information may be gathered through tracking users’ activities across time and unaffiliated properties, including when you leave the Services. To accomplish this, we or our service providers may deliver Cookies, including a file (known as a “web beacon”) from an ad network to you through the Services. Web beacons allow ad networks to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. Web beacons allow ad networks to view, edit or set their own Cookies on your browser, just as if you had requested a web page from their site.

To learn more about interest-based advertising and how you may be able to opt out of some of this advertising (to the extent the advertising partner or other entity participates in such industry opt-out pages), you may wish to visit the Digital Advertising Alliance’s (DAA) resources at www.aboutads.info/choices or the Network Advertising Initiative’s (NAI) online resources at http://www.networkadvertising.org/choices/. You can also opt out of receiving some interest-based advertisements on mobile apps by visiting http://www.aboutads.info/appchoices. You may also be able to opt out of some — but not all — interest-based advertising served by mobile ad networks by visiting http://youradchoices.com/appchoices and downloading the mobile AppChoices app.

Please note that when you opt out of receiving interest-based advertisements, this does not mean you will no longer see advertisements from us or on our online services. It means that the online ads that you do see from these self-regulatory program participants (or other participants that may provide an opt-out mechanism) should not be based on your interests. We are not responsible for the effectiveness of, or compliance with, any third-parties’ opt-out options or programs, or the accuracy of their statements regarding their programs. In addition, third parties may still use cookies to collect information about your use of our online services, including for analytics and fraud prevention as well as any other purpose permitted under those self-regulatory programs.

Data Security and Retention

We seek to protect your Personal Information from unauthorized access, use and disclosure using appropriate physical, technical, organizational and administrative security measures based on the type of Personal Information and how we are processing that data. You should also help protect your data by appropriately selecting and protecting your password and/or other sign-on mechanism; limiting access to your computer or device and browser; and signing off after you have finished accessing your account. Although we work to protect the security of your account and other data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.

We retain Personal Information about you for as long as you have an open account with us or as otherwise necessary to provide you with our Services or to perform our business or commercial purposes for collecting your Personal Information. When establishing a retention period for specific categories of data, we consider who we collected the data from, our need for the Personal Information, and the sensitivity of the Personal Information. In some cases we retain Personal Information for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.

For example:

  • We retain your profile information and credentials for as long as you have an account with us.
  • We retain your device/IP data for as long as we need it to ensure that our systems are working appropriately, effectively, and efficiently.

Once retention of the Personal Information is no longer necessary for the purposes outlined above, we will either delete or deidentify the Personal Information or, if this is not possible (for example, because Personal Information has been stored in backup archives), then we will securely store the Personal Information and isolate it from further processing until deletion or deidentification is possible.

Personal Information of Children

We do not knowingly collect or solicit Personal Information about children under 18 years of age; if you are a child under the age of 18, please do not attempt to register for or otherwise use the Services or send us any Personal Information. If we learn we have collected Personal Information from a child under 18 years of age, we will delete that information as quickly as possible. If you believe that a child under 18 years of age may have provided Personal Information to us, please contact us at support@joinklover.com.

California Resident Rights

If you are a California resident, you have the rights set forth in this section. Except as otherwise specified below, please see the “Exercising Your Rights” section below for instructions regarding how to exercise these rights. Please note that we may process Personal Information of our customers’ end users or employees in connection with our provision of certain services to our customers. If we are processing your Personal Information as a service provider, you should contact the entity that collected your Personal Information in the first instance to address your rights with respect to such data.

If there are any conflicts between this section and any other provision of this Privacy Policy and you are a California resident, the portion that is more protective of Personal Information shall control to the extent of such conflict. If you have any questions about this section or whether any of the following rights apply to you, please contact us at support@joinklover.com.

Access

You have the right to request certain information about our collection and use of your Personal Information over the past 12 months. In response, we will provide you with the following information:

  • The categories of Personal Information that we have collected about you.
  • The categories of sources from which that Personal Information was collected.
  • The business or commercial purpose for collecting, selling, or sharing your Personal Information.
  • The categories of third parties to whom we have disclosed your Personal Information.
  • The specific pieces of Personal Information that we have collected about you.

If we have disclosed your Personal Information to any third parties for a business purpose over the past 12 months, we will identify the categories of Personal Information disclosed to each category of third party recipient. If we have sold or shared your Personal Information over the past 12 months, we will identify the categories of Personal Information sold to or shared with each category of third party recipient.

Deletion

You have the right to request that we delete the inaccurate Personal Information that we have collected about you. Under the CCPA, this right is subject to certain exceptions: for example, we may need to retain your Personal Information to provide you with the Services or complete a transaction or other action you have requested, or if deletion of your Personal Information involves disproportionate effort. If your deletion request is subject to one of these exceptions, we may deny your deletion request.

Correction

You have the right to request that we correct any inaccurate Personal Information we have collected about you. Under the CCPA, this right is subject to certain exceptions: for example, if we decide, based on the totality of circumstances related to your Personal Information, that such data is correct. If your correction request is subject to one of these exceptions, we may deny your request.

Personal Information Sales and Sharing Opt-Out and Opt-In

In this section, we use the terms ‘sell’ and 'share' as they are defined in the CCPA. We sell your Personal Information, subject to your right to opt-out of these sales.

As described in the “Tracking Tools, Advertising and Opt-Out” section above, we have incorporated Cookies from certain third parties into our Services. These Cookies allow those third parties to receive information about your activity on our Services that is associated with your browser or device. Those third parties may use that data to serve you relevant ads on our Services or on other websites you visit. Under the CCPA, sharing your data through third party Cookies for online advertising may be considered a “sale” or "share" of information and California residents have certain rights when a business "sells" or "shares" Personal Information with a third party, including for purposes of cross-contextual behavioral advertising. You can opt out of these sales and the sharing of Personal Information by clicking on the lower left icon on the joinklover.com home screen and updating your Cookie choices.

We may sell or share your Personal Information, including for the purposes of cross-contextual behavioral advertising, to and with the following categories of third parties:

  • Advertising Partners
  • Certain Business Partners (as described in the “How we Share or Sell your Data” section)
  • Analytics Partners
  • Advertising Partners

Over the past 12 months, we may have sold or shared the following categories of your Personal Information to and with the categories of third parties listed above:

  • Identifiers
  • Payment Data
  • Commercial Data
  • Device/IP Data
  • Web Analytics
  • Consumer Demographic Data
  • Professional or Employment-Related Data
  • Geolocation Data
  • Inferences Drawn From Other Personal Information Collected
  • Other Identifying Information that You Voluntarily Choose to Provide
  • Categories of Data Considered "Sensitive" Under the California Privacy Rights Act and the Virginia Consumer Data Protection Act

We have sold or shared the foregoing categories of Personal Information for the following business or commercial purposes:

  • Improving the Services, including testing, research, internal analytics and product development.
  • Personalizing the Services, website content and communications based on your preferences.
  • Conducting fraud protection, security, and debugging.
  • Marketing and selling the Services.
  • Showing you advertisements, including interest-based or online behavioral advertising.

You have the right to opt-out of the sale of your Personal Information. You can opt-out using the following methods:

  • You can complete the online form found here.
  • Email us at support@joinklover.com.
  • By implementing the “Global Privacy Control (“GPC”) or similar control that is legally recognized by a government agency or industry standard and that complies with the CCPA. The signal issued by the control must be initiated by your browser and applies to the specific device and browser you use at the time you cast the signal. Please note this does not include Do Not Track Signals. Please note that if we receive a GPC signal which conflicts with your existing profile settings with respect to our Services or your participation in our Points Program (described under “Our Financial Programs (Points Program))” below), we may confirm the change to your settings or your intent to opt-out from participation in our Points Program. Please note that your use of our website may still be tracked by Klover and/or our service providers.

Once you have submitted an opt-out request, we will not ask you to reauthorize the sale or sharing of your Personal Information for at least 12 months.

To our knowledge, we do not sell or share the Personal Information of minors under 18 years of age.

We Will Not Discriminate Against You for Exercising Your Rights Under the CCPA

We will not discriminate against you for exercising your rights under the CCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under the CCPA. However, we may compensate you for the collection or sale or sharing of your Personal Information to participate in our Points Program (described below), which will give you access to various Klover offerings. As a result, we may offer different tiers of our Services as allowed by applicable data privacy laws (including the CCPA) with varying prices, rates or levels of quality of the goods or services you receive related to the value of Personal Information that we receive from you. More information regarding our financial incentive program can be found in the paragraph below.

Our Financial Incentive Program (Points Program)

As part of our Services, we offer financial incentives which can be accessed by participating in our Points Program. By participating in our Points Program, we will offer Points as payment to you as compensation, for the collection of your Personal Information and/or the sale or sharing of your Personal Information. These Points will provide you access to various financial incentives, including cash advances. The value of your Personal Information to us is related to the value of the financial incentives or other benefits that you obtain or that are provided as part of our Points Program, less the expense related to offering those products, services, and benefits to Points Program participants. By signing up to use our Services, you agree to participate in our Points Program. Additional information about our Points Program, including on ways you can revoke your participation, can be found at here.

Virginia Resident Rights

If you are a Virginia resident, you have the rights set forth under the VCDPA. Please see the "Exercising Your Rights'' section below for instructions regarding how to exercise these rights. Please note that we may process Personal Information of our customers' end users or employees in connection with our provision of certain services to our customers. If we are processing your Personal Information as a service provider, you should contact the entity that collected your Personal Information in the first instance to address your rights with respect to such data. Additionally, please note that these rights are subject to certain conditions and exceptions under applicable law, which may permit or require us to deny your request. If there are any conflicts between this section and any other provision of this Privacy Policy and you are a Virginia resident, the portion that is more protective of Personal Information shall control to the extent of such conflict. If you have any questions about this section or whether any of the following rights apply to you, please contact us at support@joinklover.com.

Access

You have the right to request confirmation. of whether or not we are processing your Personal Information and to access your Personal Information.

Correction

You have the right to correct inaccuracies in your Personal Information, to the extent such correction is appropriate in consideration of the nature of such data and our purposes of processing your Personal Information.

Portability

You have the right to request a copy of your Personal Information in a machine-readable format, to the extent technically feasible.

Deletion

You have the right to delete your Personal Information.

Opt-Out of Certain Processing Activities

  • You have the right to opt-out of the processing of your Personal Information for targeted advertising purposes. We process your Personal Information for targeted advertising purpose and you have the right to opt-out of this processing by using the following methods:
  • You can complete the online form found here.
  • Email us at support@joinklover.com.
  • By implementing the Global Privacy Control (“GPC”) or similar control that is legally recognized by a government agency or industry standard and that complies with the VCDPA. The signal issued by the control must be initiated by your browser and applies to the specific device and browser you use at the time you cast the signal. Please note this does not include Do Not Track signals.

Once you have submitted an opt-out request, we will not ask you to reauthorized the processing of your Personal Information for targeted advertising purposes for at least 12 months.

  • You have the right to opt-out to the sale of your Personal Information. We do not currently sell your Personal Information as defined under the VCDPA.
  • You have the right to opt-out from the processing of your Personal Information for the purposes of profiling in furtherance of decisions that produce legal or similarly significant effects to you, if applicable.

Appealing a Denial

If we refuse to take action on a request within a reasonable period of time after receiving your request in accordance with this section, you may appeal our decision. In such an appeal, you must (1) provide sufficient information to allow us to verify that you are the person about whom the original request pertains and to identify the original request, and (2) provide a description of the basis of your appeal. Please note that your appeal will be subject to your rights and obligations afforded to you under the VCDPA. We will respond to your appeal within 60 days of receiving your request. If we deny your appeal, you have the right to contact the Virginia Attorney General using the methods described at the Virginia Attorney General website.

You may appeal a decision by us using the following methods:

  • Email us at support@joinklover.com (title must include "VCDPA Appeal").

Exercising Your Rights Under CCPA and VCDPA

To exercise the rights described in this Privacy Policy, you or, if you are a California resident, your Authorized Agent (defined below) must send us a request that (1) provides sufficient information to allow us to verify that you are the person about whom we have collected Personal Information, and (2) describes your request in sufficient detail to allow us to understand, evaluate and respond to it. Each request that meets both of these criteria will be considered a "Valid Request." We may not respond to requests that do not meet these criteria. We will only use Personal Information provided in a Valid Request to verify your identity and complete your request. You do not need an account to submit a Valid Request.

We will work to respond to your Valid Request within the time period required by applicable law. 

We will not charge you a fee for making a Valid Request unless your Valid Request(s) is excessive, repetitive or manifestly unfounded. If we determine that your Valid Request warrants a fee, we will notify you of the fee and explain that decision before completing your request.

You may submit a Valid Request using the following methods:

  • Email us at support@joinklover.com.
  • Complete the online form found here.

If you are a California resident, you may also authorize an agent (an "Authorized Agent") to exercise your rights on your behalf. To do this, you must provide your Authorized Agent with written permission to exercise your rights on your behalf, and we may request a copy of this written permission from your Authorized Agent when they make a request on your behalf.

California Shine A Light Law

Under California Civil Code Sections 1798.83-1798.84, the “Shine a Light” law, California residents are entitled to contact us to prevent disclosure of Personal Information to third parties for such third parties’ direct marketing purposes. In order to submit such a request, please contact us at support@joinklover.com.

Your browser may offer you a "Do Not Track" option, which allows you to signal to operators of websites and web applications and services that you do not wish such operators to track certain of your online activities over time and across different websites. Our Services do not support Do Not Track requests at this time. To find out more about "Do Not Track," you can visit www.allaboutdnt.com.

Nevada Resident Rights

If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Information to third parties who intend to license or sell that Personal Information. You can exercise this right by contacting us at support@joinklover.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note that we do not currently sell your Personal Information as sales are defined in Nevada Revised Statutes Chapter 603A.

Additional State Law Privacy Rights

If you live in Colorado, Connecticut, Oregon, Texas or Utah, you may have additional rights to your Personal Information. Pursuant to the laws of these states, Klover may “sell” your Personal Information as defined by each applicable state law or “share” your Personal Information for the basis of cross-context behavioral advertising subject to your right to opt out. 

To exercise your privacy rights pursuant to these states, please submit a request either by

  • Emailing support@joinklover.com with the subject line “Consumer Rights Request,” or
  • Submitting your request through the Klover Your Privacy Rights form

Before processing your request, we will need to verify your identity and confirm that you are a resident of one of the states. This process may require us to request additional information from you including your Klover-linked email address and/or phone number associated with your Klover account.

Changes to this Privacy Policy

We’re constantly trying to improve our Services, so we may need to change this Privacy Policy from time to time. We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you including by updating the “Effective date” at the top of this Privacy Policy. Any modifications to this Privacy Policy will be effective upon our posting the new terms and/or upon implementation of the new changes on the Service (or as otherwise indicated at the time of posting).

Contact Information

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your Personal Information or your choices and rights regarding such collection and use, please do not hesitate to contact us by emailing us at support@joinklover.com.

Do Not Sell or Share My Personal Information