What this Privacy Policy Covers

This Privacy Policy covers how we treat Personal Information that we gather when you access or use our Services. “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. This Privacy Policy does not cover the practices of companies we don’t own or control or people we don’t manage.

Personal Information

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:

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 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.

Public Sources

From the public social media posts, databases, or other sources.

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.

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 you’re 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 please see https://plaid.com/legal/#consumers
• 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.
• Doing 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 Act of 2020 (together, the "CCPA") and the Virginia Consumer Data Protection Act (the "VCDPA").
• Marketing the Services
• 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 and we do not collect or process senstiive personal information with the purpose of inferring any characteristics about California residents.

How 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. and Blue Ridge Bank, N.A.
• 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 with such as Blue Ridge Bank, N.A. if you participate in a Klover Visa Debit Card or Klover Consumer Deposit Account.
• 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.
  

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.

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).

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 at www.google.com/privacy_ads.html  or  the  Google  Analytics  Opt-out  Browser  Add-on  at https://tools.google.com/dlpage/gaoptout/.
• 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.

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.

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 your. 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 third party, including for purposes of cross-contextual behavioral advertising. You can opt out of these sales and the sharing of Personal Information by following the instructions in this section.

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)
  

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.
• Doing 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: Do Not Sell or Share My Personal Information or Use Third Party Party Cookies to Handle My Personal Information for Cross-Contextual Behavioral Advertising or Targeted Advertising Purposes.
• 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 whther 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:

• Email us at support@joinklover.com
• By implementing the Global Privacy Control 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.

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 withint a reasonable period of time after receiving your request in accordance with this section, you may appeal our decision. In such 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 https://www.oaag.va.us/consumer-protection/index.php/file-a-complaint.

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 toallow 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.
• Call us at: 1-888-293-8767

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.

Other State Law Privacy Rights

California Resident Rights

Under California Civil Code Sections 1798.83-1798.84, 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.

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, but we will alert you to any such changes by placing a notice on the Klover website, by sending you an email and/or by some other means. Please note that if you’ve opted not to receive legal notice emails from us (or you haven’t provided us with your email address), those legal notices will still govern your use of the Services, and you are still responsible for reading and understanding them. If you use the Services after any changes to the Privacy Policy have been posted, that means you agree to all of the changes. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

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 in the following ways:

• support@joinklover.com