Kibo App Holdings Inc. ("Company," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website kiboapp.com, use our mobile application, or interact with any of our financial technology services. Please read this Privacy Policy carefully. By accessing or using our services, you agree to the collection and use of information in accordance with this policy.

1. Company Information

Company Name: Kibo App Holdings Inc.

HQ: 280 2nd St, Los Altos, CA 94022

Phone: (888) 338-4605

Email: support@kiboapp.com

2. Information We Collect

Personal Information You Provide

When you use our services, create an account, subscribe to our communications, or contact us, we may collect the following types of personal information:

• Full name, email address, phone number, and mailing address

• Date of birth and government-issued identification numbers where required by law

• Financial account information, transaction history, and payment details

• Employment and income information provided in connection with financial services

• Login credentials and authentication information

• Any other information you voluntarily submit through forms, surveys, or correspondence

Information Collected Automatically

When you access our website or application, we may automatically collect certain technical and usage information, including:

• IP address, browser type and version, operating system, and device identifiers

• Pages visited, links clicked, time spent on pages, and navigation paths

• Referring URLs, search terms, and access times

• Cookies, pixel tags, and similar tracking technologies as described in our Cookie Policy

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our financial technology services and platform functionality

• To process transactions, manage accounts, and fulfill service requests

• To communicate with you regarding your account, service updates, security alerts, and administrative notices

• To send promotional communications, financial insights, and marketing materials where you have provided consent

• To personalize your experience and deliver content and product offerings relevant to your financial needs

• To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activities

• To comply with applicable laws, regulations, and legal obligations, including anti-money laundering and know-your-customer requirements

• To conduct internal research, analytics, and data analysis to improve our products and services

4. SMS/MMS Data Sharing and Privacy

When you opt in to receive SMS or MMS messages from us, we collect your mobile phone number and messaging consent status. We take the privacy of your mobile information seriously and adhere to the following practices:

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We may share limited mobile information with service providers who assist in delivering SMS/MMS messages on our behalf, solely for the purpose of message transmission. These providers are contractually prohibited from using your mobile information for any purpose other than facilitating our messaging program.

Your opt-in consent, phone number, and messaging preferences will not be sold, rented, or otherwise disclosed to any outside party for their own marketing purposes under any circumstances.

5. Disclosure of Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

• With service providers and vendors who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting, customer service, and marketing assistance, subject to confidentiality agreements

• With financial institution partners who provide products or services you have requested or authorized

• To comply with a legal obligation, court order, subpoena, or government request

• To enforce our Terms of Service, protect our rights, privacy, safety, or property, and that of our users or the public

• In connection with a merger, acquisition, reorganization, or sale of assets, in which case your information may be transferred as a business asset

6. Data Security

We implement commercially reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption of sensitive data in transit and at rest, access controls, regular security assessments, and employee training on data protection practices.

However, no method of electronic transmission or storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.

7. Cookies and Tracking Technologies

We use cookies, web beacons, pixel tags, and similar technologies to enhance your experience on our platform, analyze usage trends, administer the website, track users' movements around the site, and gather demographic information about our user base. You can control cookie preferences through your browser settings. Disabling cookies may limit your ability to use certain features of our services.

We may also use third-party analytics services, such as Google Analytics, that use cookies and similar technologies to collect and analyze information about the use of our services and report on activities and trends. These third parties may also collect information regarding your use of other websites, apps, and online resources.

8. Your Privacy Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you and request a copy

• The right to request correction of inaccurate or incomplete personal information

• The right to request deletion of your personal information, subject to legal and contractual obligations

• The right to opt out of the sale of your personal information, if applicable

• The right to opt out of receiving promotional communications by following the unsubscribe instructions in those messages or contacting us directly

• The right to lodge a complaint with a data protection authority

To exercise any of these rights, please contact us at support@kiboapp.com or (888) 338-4605. We will respond to your request within the timeframe required by applicable law.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under the age of 18 without verification of parental consent, we will take steps to remove that information from our servers. If you believe we have inadvertently collected information from a minor, please contact us immediately at support@kiboapp.com.

10. Third-Party Links and Services

Our website and application may contain links to third-party websites, services, or applications that are not operated by Kibo App Holdings Inc.. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies of any third-party service before providing your personal information.

11. Changes to This Privacy Policy

Kibo App Holdings Inc. reserves the right to update or modify this Privacy Policy at any time. When we make changes, we will revise the policy on this page. Your continued use of our services after the posting of changes constitutes your acceptance of such changes. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

12. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: