We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use the Klairvo mobile application.

1. Information We Collect

We may collect the following information when you use Klairvo:

a. Personal Information

• Name or username
• Email address
• Profile information you choose to provide

b. Usage Data

• App interactions (features used, time spent)
• Device information (device type, operating system)
• Log data (crash reports, performance data)

We use your data to:

• Provide and improve Klairvo's services
• Personalize user experience
• Enable app functionality and communication
• Maintain app security and prevent misuse
• Respond to user support requests

c. Financial Information

To enable secure payments and comply with regulatory requirements, Klairvo may collect and process limited financial information, including:

• Bank Verification Number (BVN)
• Bank account name
• Bank account number

This information is collected solely for:

• Payment processing
• User verification
• Fraud prevention
• Regulatory compliance

Klairvo does not store BVN or bank details directly where possible and uses secure, compliant third-party payment processors to handle sensitive financial data.

2. Data Sharing & Third Parties

• Klairvo does not sell user data
• May share limited data with trusted third-party service providers (e.g. analytics, hosting) strictly to operate the app
• May disclose data if required by law

All third-party services are required to follow applicable data protection law.

3. Data Storage & Security

We implement reasonable technical and organizational measures to protect your information, including:

• Secure servers
• Access controls
• Encrypted data transmission where applicable

4. User Rights

You have the right to:

• Access your personal data
• Request correction or deletion
• Withdraw consent (where applicable)

Requests can be made via: klairvobet@gmail.com

5. Children's Privacy

Klairvo is not intended for children under age 18. We do not knowingly collect data from children. If such data is discovered, it will be deleted promptly.

6. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be communicated within the app or via updated policy date.

7. Data Privacy

Financial information is handled using:

• Secure transmission protocols
• Restricted access
• Industry-standard security measures

Klairvo does not use financial data for advertising or analytics.

8. Contact Us

If you have questions about this policy, contact us at:
Email: klairvobet@gmail.com

Content Policy

Klairvo is committed to providing a safe, respectful, and inclusive environment for all users.

1. Allowed Content

Users may share content that is:

• Respectful and lawful
• Relevant to Klairvo's purpose
• Non-abusive and non-deceptive
• Original or properly credited

2. Prohibited Content

The following content is strictly prohibited on Klairvo:

• Hate speech, discrimination, or harassment
• Threats, bullying, or intimidation
• Sexual or explicit content involving minors
• Violence, self-harm promotion, or graphic material
• Fraud, scams, impersonation, or misinformation
• Illegal activities or encouragement of unlawful behavior
• Malware, phishing links, or harmful code

3. Enforcement

Klairvo reserves the right to:

• Remove violating content
• Suspend or terminate accounts
• Report illegal activity where required by law

Decisions may be made with or without prior notice.

4. Reporting Content

Users may report inappropriate content through in-app tools or by contacting support at: klairvobet@gmail.com

5. Content Ownership

Users retain ownership of content they create but grant Klairvo a limited license to display and distribute it within the app for operational purposes.

Permission Policy

Klairvo requests only permissions necessary to deliver core app functionality.

Permissions We May Request

Klairvo may request access to:

• Internet Access: to provide app services
• Camera: for profile photos or content uploads (if applicable)
• Storage/Media: to upload or save user content
• Notifications: to send important updates or alerts

How Permissions Are Used

• Permissions are used only for their stated purpose
• Access is not continuous unless required for functionality
• Users can manage or revoke permissions via device settings

No Permission Abuse

Klairvo:

• Does not request unnecessary permissions
• Does not access personal data without user consent
• Does not track users across apps without disclosure