Privacy Policy

Introduction

At Qiver, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management platform. Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

Key Principle: We never sell your personal or financial data to third parties.

What Information We Collect

We collect several types of information to provide and improve our services:

Personal Information

Name, email address, and contact details
Account credentials and profile information
Billing and payment information

Financial Information

Bank account and transaction data (read-only access)
Credit card and investment account information
Financial goals and budget data

Technical Information

IP address, browser type, and device information
Usage data and analytics
Cookies and tracking technologies

How We Use Your Information

We use the collected information for various purposes:

Service Delivery

To provide, maintain, and improve our financial management services

Personalization

To personalize your experience and provide relevant financial insights

Security

To detect, prevent, and address technical issues and fraud

Communication

To send important updates, notifications, and support responses

Aggregated Data

We may use anonymized, aggregated data for analytics and research. This data cannot be used to identify you personally.

Information Sharing and Disclosure

We may share information with third parties only in these specific circumstances:

Service Providers

Trusted partners who help us operate our platform (e.g., hosting, payment processing). All providers are bound by strict confidentiality agreements.

Legal Requirements

When required by law, subpoena, or legal process, or to protect our rights, property, or safety, or the rights of others.

Business Transfers

In connection with a merger, acquisition, or sale of assets, with appropriate privacy protections maintained.

With Your Consent

When you explicitly authorize us to share information with specific third parties.

Important: We never sell, rent, or trade your personal or financial data to advertisers or data brokers.

Data Security

We implement comprehensive security measures to protect your information:

256-bit Encryption

Bank-level encryption for all data in transit and at rest

Multi-Factor Authentication

Optional 2FA for enhanced account security

Read-Only Access

We never have write access to your financial accounts

Regular Audits

Continuous security monitoring and third-party audits

Your Responsibility

While we implement robust security measures, you are responsible for keeping your account credentials confidential and using secure networks.

Your Data Protection Rights

Depending on your location, you may have the following rights:

Right to Access

You can request a copy of the personal data we hold about you.

Right to Rectification

You can correct inaccurate or incomplete personal data.

Right to Deletion

You can request deletion of your personal data under certain conditions.

Right to Restrict Processing

You can request restriction of processing your personal data.

Right to Data Portability

You can receive your data in a structured, machine-readable format.

Right to Object

You can object to processing of your personal data for certain purposes.

To exercise any of these rights, please contact our Data Protection Officer at:

privacy@qiver.com

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

Compliance with Regulations

GDPR

Compliant with EU General Data Protection Regulation

EU

CCPA

Compliant with California Consumer Privacy Act

US

PCI DSS

Payment Card Industry Data Security Standard Level 1

Global

ISO 27001

Information security management system certified