Your CCPA and CPRA rights as a California resident, and how to exercise them.
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Written by Rohit Patel, J.D.5 min read
Last updated: October 1, 2026 · For California residents only
Scope
This notice supplements our Privacy Policy and applies specifically to California residents under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA).
Personal information Kovo Credit collects from Californians
In the last 12 months, Kovo Credit may have collected the following categories of personal information from California residents:
Identifiers: name, email, phone, mailing address, IP address
Financial information: income, bank account details, payment history
Commercial information: services purchased or considered
Internet activity: browsing data on KovoCreditUSA.com
Sensitive personal information: Social Security Number (last 4 or full where legally required)
Inferences: credit profile data used to generate loan offers
Why we collect it
To provide, maintain, and improve Kovo Credit services
To process pre-qualification, enrollment, and loan funding
To report account performance to consumer reporting agencies
To detect fraud and comply with federal and state law
To send service communications (and marketing, if you opt in)
Categories of third parties we share with
Partner lenders you request a match with
Consumer reporting agencies for credit reporting
Service providers (hosting, payment processing, fraud prevention) under contract
Law enforcement when legally compelled
Sale and sharing of personal information
Kovo Credit does not sell personal information for monetary consideration. We also do not share personal information for cross-context behavioral advertising. If you want to formally opt out anyway, use the opt-out section of our California Privacy notice.
Your California rights
Right to know what personal information we hold about you
Right to delete your personal information (subject to legal retention)
Right to correct inaccurate personal information
Right to opt out of sale or sharing (we don't do either, but you can confirm the opt-out)
Right to limit use of sensitive personal information
Right to data portability — receive your data in a usable format
Right to non-discrimination — using your rights never affects your service quality or pricing
How to exercise your rights
Contact us through our contact page with the subject line "California Privacy Request". We verify your identity before processing (typically via account email + last 4 of account identifier). Requests are completed within 45 days (extendable by 45 days for complex cases, with notice).
Shine the Light
Under California's "Shine the Light" law (Civil Code §1798.83), California residents may request information about any sharing of personal information for the recipient's direct marketing. Kovo Credit does not share personal information with third parties for their direct marketing. Contact us through our contact page to confirm in writing.
Changes
Material changes to this notice will be announced to California members by email.
Do not sell or share my personal information
Kovo Credit does not sell personal information. Residents of California and other states with privacy laws (CCPA/CPRA, VCDPA, CPA, UCPA, CTDPA) can still confirm an opt-out of any sale or sharing:
Email: Send a request through our contact page with the subject line "Do Not Sell/Share" and your full name and email on file.
Mail: Write to Kovo Credit, Attn: Privacy Rights, 1201 N. Market Street, Suite 111, Wilmington, DE 19801.
Browser signal: Kovo Credit honors the Global Privacy Control (GPC) signal automatically — if your browser sends GPC, we treat it as a Do Not Sell/Share opt-out.
What happens after you opt out
Within 15 business days, we confirm your opt-out by email.
Your personal information will not be shared with any partner for cross-context behavioral advertising.
You can still use Kovo Credit services normally — opting out does not reduce the quality of your member experience.
Authorized agents
You may designate an authorized agent to submit requests on your behalf. We'll verify the agent's authority before processing. Contact us through our contact page for the authorization form.
