Throughout the website, the terms “we”, “us” and “our” refer to Cova.
This policy also sets out your rights and who you may contact for further information.
Our website is not directed at you if we are prohibited by any law of any jurisdiction from making the information on our website available to you and is not intended for any use that would be contrary to local law or regulation.
You affirm that you are over the age of 18 and have the right to contract in your own name, and that you have read the above authorization and fully understand its contents.
There are two categories of information we collect. We collect a variety of information from our users and visitors to our website. As described below, some information is automatically collected when you visit our website, and some you provide to us when registering an account or filling out a form, or communicating with us.
Information Collected Automatically: Whenever you visit our website, our web servers automatically collect non-personal information such as the domain name of the internet access provider, the internet protocol address used to connect the computer to the internet, the average time spent on our website, pages viewed, information searched for, access times, location at the time of accessing the website and apps and other relevant statistics.
Information You Provide Us: If you provide us with personal information by contacting us, we collect that personal information.
“Personally Identifiable Information” means any information that (a) identifies or can be used to identify, contact, or locate the person to whom such information pertains, or (b) from which identification or contact information of an individual person can be derived. This includes but is not limited to your name, email address, phone number, physical address, assets and debts, next-of-kin/beneficiary’s details (name and email address), and credit card information. We primarily collect your information to ensure that we provide the most efficient service to you, monitor the use and improve our website and other legitimate interests. Your information will solely be used and disclosed for the following purposes:
Other information which may be automatically collected from you when you visit our website include; domain name of your internet access provider, the internet protocol address used to connect the computer to the internet, the average time spent on our website, pages viewed, information searched for, access times, your geographical location, operating system, referral source, and other relevant statistics.
We may also collect information from you using cookies and other analytical tools especially when you use our products and services. More details are provided below in our section on Cookies.
The transfer of your information to a foreign country or international organisation will only be done with your consent and in accordance with applicable laws. We will ensure that there are adequate data protection laws in the recipient country or organisation before transferring your information.
Subject to certain limitations and exceptions, you are entitled to the following principal rights in accordance with the applicable laws:
When you delete any portion of your information from your account, the information is deleted from our primary database and our Service Providers are notified to do the same. We purge our backup every 15 days and your information will be permanently removed from our backup in the next purge cycle.
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we use bank level encryption of 256-bit AES as recommended by NIST Special Publication 800-132. with 2FA and user PIN which serves as a third security layer. All communications between you and Cova are encrypted via SSL using 2048-bit certificates.
In the event that our server is breached, your information will not be compromised. We regularly audit our code and processes for security issues and work with industry security leaders to ensure our security protocols are up to date.
We cooperate with government and law enforcement officials to enforce and comply with the law. We will disclose any information about Users upon valid request by government or law officials as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including without limitation subpoenas), to protect your property and rights, or the property and rights of a third party, to protect the safety of the public or any person, or stop activity we consider illegal or unethical.
By registering and entering your email address & phone number you agree to be contacted both by email & phone. Message and data rates apply. Cova does not obtain user emails and phone numbers by purchasing a user data or phone list from another party.
We will retain your information for as long as needed to provide you with our services, comply with our legal and statutory obligations or verify your information with a financial institution.
We are statutory obligated to retain the data you provide us with in order to resolve disputes make refunds, identify fraud and in compliance with laws and regulatory guidelines applicable to us, our banking providers and credit card processors.
We exercise reasonable efforts to safeguard the security and confidentiality of your personal data; however, we will not be liable for unauthorized disclosure of personal data that occurs through no fault of ours.
Cova reserves the right, in its sole discretion, to change the Terms under which the Service is offered. The most current version of the Terms will supersede all previous versions. Cova encourages you to periodically review the Terms to stay informed of our updates.
This policy is effective as of 18th of April, 2021
Last updated: 18th of April, 2021
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