How Kovo Credit collects, uses, protects, and shares your information.
Effective date: October 1, 2026
1. Introduction
Kovo Credit ("Kovo Credit," "we," "us," or "our") operates kovocreditusa.com and related member tools. This Privacy Policy explains what information we collect, how we use it, when and with whom we share it, and the choices you have.
2. Information we collect
Information you give us
Identity: name, date of birth, Social Security Number (last four or full, depending on service), government-issued ID.
Contact: email, phone, mailing address.
Financial: income, employment, bank account details, and self-reported credit information.
Information collected automatically
Device, browser, IP address, approximate geolocation.
Site usage data via first-party and privacy-respecting analytics.
Information from third parties
Consumer reporting agencies (TransUnion®, Equifax®, Experian®, Innovis®) for soft or hard inquiries you authorize.
Partner lenders for loan offers and account status.
3. How we use information
To provide, maintain, and improve Kovo Credit services.
To process pre-qualification, enrollment, and payments.
To report your account performance to consumer reporting agencies.
To detect fraud and comply with the law.
To send service communications and (if you opt in) educational emails.
4. When we share information
We share information only when necessary to deliver what you asked for, when required by law, or when protecting people from fraud:
Partner lenders you ask us to match you with.
Consumer reporting agencies as part of credit reporting.
Service providers under contract (hosting, payment processing).
Law enforcement when legally compelled.
We do not sell your personal information to data brokers.
5. Your rights
Depending on your state of residence, you may have the right to:
Know what personal information we hold about you.
Request deletion of your personal information (subject to legal retention requirements).
Opt out of certain data sharing.
Correct inaccurate information.
Exercise any of these rights by contacting us through our contact page.
6. Data security
Kovo Credit uses 256-bit SSL encryption in transit, encryption at rest for sensitive fields, and SOC 2 Type II-aligned handling practices. No system is 100% secure, but we have never had to notify consumers of a data breach.
7. Children's privacy
Kovo Credit services are not directed to anyone under 18. We do not knowingly collect information from children.
8. Changes to this policy
We will post any changes to this policy on this page and update the "Effective date" at the top. Material changes will be announced to active members by email.
9. How to contact us
Kovo Credit · 1201 N. Market Street, Suite 111 · Wilmington, DE 19801 · our contact page
