1. Introduction

Kuvra ("Company", "we", "our", or "us") operates the Kuvra application (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using Kuvra, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used have the same meaning as in our Terms of Service.

2. Information Collection & Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected:

• Personal Data:Email address, first name, last name, phone number, address, cookies and usage data, financial information (invoices, expenses, tax data)
• Usage Data:Browser type, IP address, pages visited, time and date of visit, time spent on pages, and other diagnostic data
• Financial Data:Invoice details, expense records, bank account information (encrypted), tax calculations, and business transaction data

3. Use of Data

Kuvra uses the collected data for various purposes:

• To provide and maintain our Service
• To notify you about changes to our Service
• To provide customer support
• To gather analysis or valuable information so we can improve our Service
• To monitor the usage of our Service
• To detect, prevent and address technical and security issues

4. Security of Your Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

We implement the following security measures:

• 256-bit AES encryption for data at rest
• TLS 1.3 encryption for data in transit
• Regular security audits and penetration testing
• ISO 27001 certification
• Two-factor authentication support

5. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate personal data
• Request deletion of your personal data
• Opt out of marketing communications
• Request a copy of your data in portable format

To exercise any of these rights, please contact us at privacy@kuvra.io.

6. Cookies

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

Types of cookies we use:

• Essential cookies: Required for the Service to function
• Analytics cookies: Help us understand how users interact with our Service
• Preference cookies: Remember your preferences and choices

7. Data Retention

Kuvra will retain your Personal Data only for as long as necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations.

Financial and tax data are retained for a minimum of 7 years for tax compliance purposes, as required by Nigerian tax law.

8. Third-Party Services

Our Service may contain links to third-party sites and services that are not operated by us. This Privacy Policy does not apply to third-party services, and we are not responsible for their privacy practices.

We partner with:

• Payment processors (Flutterwave, Paystack)
• Cloud providers (AWS)
• Analytics providers (Mixpanel, Segment)

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at: