Privacy Policy

1. Information We Collect

1.1 Card Search and Discovery

When you use our card search feature:

• We do NOT collect or store any personal financial information
• We do NOT require account creation
• All searches are anonymous
• No tracking of your search history

1.2 Waitlist (Optional)

If you choose to join our waitlist for Manage My Cards features:

• Email address (required) - to notify you when features launch
• Name (optional) - to personalize communications

1.3 Manage My Cards (Coming Soon)

When Manage My Cards launches, we will only store:

• Credit card names (e.g., "Chase Sapphire Preferred")
• General spending categories (e.g., "dining: $500/month")
• Credit score range (e.g., "Excellent: 720+")

We will NEVER store:

• Credit card numbers
• Bank account information
• Login credentials or passwords
• Individual transaction details
• Social Security Numbers or Tax IDs

2. How We Use Your Information

• Card Search: To provide search results and AI-powered insights (no data stored)
• Waitlist Emails: To notify you about new features and product updates
• Manage My Cards: To provide personalized card recommendations and optimization suggestions

3. Data Storage and Security

Your privacy and security are our top priorities:

• All data is encrypted in transit (HTTPS/TLS)
• Waitlist data stored securely in encrypted databases
• No third-party access to user data
• We do not sell or share your information with advertisers or data brokers

4. Third-Party Services

We use minimal third-party services:

• AI Services: Google Gemini for card analysis (no personal data shared)
• Search APIs: Serper for credit card information lookup (anonymous searches)
• Hosting: Google Cloud Platform for secure infrastructure

We do NOT use:

• Advertising networks or trackers
• Social media pixels
• Analytics that track individual users

5. Cookies and Tracking

We use minimal cookies for essential functionality only:

• Session cookies for logged-in users (if authentication is enabled)
• Preference cookies (e.g., dark mode setting)

We do NOT use tracking cookies, advertising cookies, or cross-site tracking.

6. Your Rights

You have the right to:

• Access: Request a copy of your data (waitlist email)
• Delete: Request deletion of your waitlist information
• Opt-out: Unsubscribe from waitlist emails at any time
• Portability: Request your data in a portable format

To exercise these rights, contact us at: team@kokofinance.net

7. Children's Privacy

KoKo is not intended for users under 18 years of age. We do not knowingly collect information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of significant changes via email (for waitlist members) or a notice on our website.

9. Contact Us

If you have questions about this Privacy Policy or our data practices:

• Email: team@kokofinance.net
• Website: Contact Form