Privacy Policy

Introduction

Kove Finance ("Kove," "we," "us," or "our") is operated by Keane Financials LLC, a limited liability company incorporated in Washington State. This Privacy Policy describes how we collect, use, store, and protect your information when you use the Kove application or visit kovefinance.com.

By creating an account, joining our waitlist, or otherwise using our services, you agree to the practices described in this policy. If you do not agree, please discontinue use of our services.

Information We Collect

We collect the following categories of information:

• Account information: your name and email address when you sign up or join the waitlist
• Financial data: bank account information, transaction history, balances, investment holdings, and liabilities retrieved through Plaid when you connect your accounts
• Student verification data: information you provide to verify your student status, including your institution
• Usage data: how you interact with the app, collected anonymously through Firebase Analytics. This includes session duration, feature usage, and general navigation patterns. No personally identifiable information is included in analytics data.
• Waitlist data: name and email address submitted on kovefinance.com. This data is used solely to send you product updates and beta access notifications. It is never sold or shared with third parties.

How We Use Your Information

• To provide, operate, and improve the Kove application
• To sync and display your connected financial accounts and transactions
• To generate personalized spending insights, budgets, and financial summaries
• To send product updates, beta communications, and service notifications
• To verify student status for institution-specific features
• To produce anonymized, aggregated financial reports (see Section 4)
• To comply with applicable laws and our obligations to third-party service providers

We process your data on the basis of your consent (provided at signup) and contractual necessity (to deliver the services you requested).

Aggregated and Anonymous Reporting

Keane Financials LLC may aggregate and anonymize user financial data to produce reports on financial health, spending trends, and related topics. These reports contain no individually identifiable information — no names, account numbers, or any data that could be traced back to a specific user.

Distribution of aggregated reports is at the sole discretion of Keane Financials LLC. Typical recipients include:

• Student users: anonymized data may be included in institution-specific reports shared with your partner school (restricted to data from their own student body only) and in general public reports published on kovefinance.com
• Non-student users: anonymized data may be included in general public reports only — never in institution-specific reports

You may opt out of aggregated reporting at any time by contacting us at support@keanefinancials.com. Opting out does not affect your ability to use Kove. Partner schools that receive aggregated reports are contractually prohibited from re-sharing that data or attempting to re-identify individual users.

Plaid and Financial Data

Kove uses Plaid Technologies, Inc. to securely connect your bank and financial accounts. By connecting an account, you also agree to Plaid's Privacy Policy.

• Plaid access tokens are stored server-side only via Firebase Cloud Functions and are never exposed to the client or browser
• Financial data retrieved through Plaid is used solely to power in-app features for your benefit
• We do not sell, license, or share your financial data with any third party beyond what is necessary to operate the service
• Plaid access tokens are revoked immediately upon account or data deletion

Cookies and Tracking

Kove Finance uses Firebase Analytics to understand how users interact with the application. Firebase Analytics uses cookies and similar technologies to collect anonymized usage data. No personally identifiable financial information is included in analytics tracking.

We do not use advertising cookies, cross-site tracking, or third-party marketing pixels. You may disable cookies in your browser settings, though this may affect certain app functionality.

Data Sharing

We do not sell your personal or financial data. We share data only with the following service providers as strictly necessary to operate Kove:

• Google Firebase: database, authentication, cloud functions, and hosting
• Plaid Technologies: bank account connectivity and financial data retrieval
• Partner schools (aggregated only): anonymized, non-identifiable reports as described in Section 4

If you follow links from our site or application to third-party services, those services operate under their own privacy policies. We are not responsible for the data practices of third parties.

Data Retention and Deletion

You have full control over your data. From within the Kove application, you may choose:

• Delete Financial Data: immediately and permanently removes all Plaid connections, access tokens, and transaction data while preserving your login and profile
• Delete Account: immediately and permanently removes all data associated with your account, including your profile, login credentials, and all financial data

All deletions are immediate and irreversible. No grace period applies. Waitlist data is deleted upon request — email support@keanefinancials.com to be removed.

Data Portability

You have the right to request a copy of the personal data we hold about you. To submit a data export request, contact us at support@keanefinancials.com. We will respond within 30 days. In-app data export functionality is planned for a future release.

Security

• All data is transmitted over HTTPS using TLS 1.2 or higher
• All data at rest is encrypted using AES-256 via Google Firebase
• Plaid access tokens are stored server-side only and never exposed to the client
• All administrative systems are protected by phishing-resistant multi-factor authentication (passkeys)
• Firebase Security Rules restrict all database access to authenticated users only

In the event of a confirmed data breach, we will notify affected users within 72 hours in accordance with Washington State law (RCW 19.255.010).

California Residents (CCPA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act:

• Right to Know: request disclosure of the categories and specific pieces of personal information we have collected about you
• Right to Delete: request deletion of your personal information (see Section 8)
• Right to Opt Out of Sale: we do not sell personal information
• Right to Non-Discrimination: we will not discriminate against you for exercising your CCPA rights

To exercise your rights, contact us at support@keanefinancials.com.

Children's Privacy

Kove is not intended for users under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected data from a child under 13, we will delete it immediately. If you believe a minor has created an account, please contact us at support@keanefinancials.com.

Changes to This Policy

We may update this Privacy Policy as Kove evolves. We will notify registered users of material changes via email at least 14 days before they take effect. The effective date at the top of this page will always reflect the most current version. Continued use of Kove after changes take effect constitutes acceptance of the updated policy.

Governing Law and Dispute Resolution

This Privacy Policy is governed by the laws of the State of Washington, without regard to its conflict of law provisions. Any dispute arising under this policy shall first be submitted to good-faith mediation in King County, Washington before any legal action may be initiated. If mediation fails, disputes shall be resolved in the courts of King County, Washington.

Contact Us

If you have questions, concerns, or requests related to this Privacy Policy, please contact: