Privacy Policy

Last updated: January 2025 · Kivo Technologies Ltd

1. Who we are

Kivo Technologies Ltd ("Kivo", "we", "us") operates the Kivo platform available at getkivo.co.uk. We are registered in England and Wales (Company number: TODO: Add Companies House number) and are the data controller for the personal data we collect.

Our data protection contact is: privacy@getkivo.co.uk

2. What data we collect

We collect the following categories of data when you use Kivo:

• Identity data: name, email address
• Financial profile data: information you provide about your income, deposit savings, property target, employment type, and credit history
• Open Banking data: if you choose to connect your bank, we access transaction history and account balances via your Open Banking provider (read-only). We never receive your login credentials
• Usage data: how you interact with our platform — pages visited, features used, time spent. Used to improve the product
• Technical data: IP address, browser type, device information. Used for security and performance

We do not collect sensitive personal data such as racial or ethnic origin, health data, or biometric data.

3. How we use your data

We use your data to:

• Generate your Kivo Score and provide personalised mortgage readiness advice
• Improve the accuracy of our scoring model
• Send you your results and progress updates (if you've opted in to communications)
• Provide customer support
• Comply with our legal obligations
• Detect and prevent fraud or abuse

Our legal basis for processing is primarily contract performance (providing the service you've requested) and legitimate interests (improving the product, security). Where we send marketing communications, we rely on your consent.

4. Open Banking & financial data

If you choose to connect your bank account, our FCA-regulated Open Banking provider gives Kivo read-only access to your transaction data and account balances. This data is used solely to improve the accuracy of your Kivo Score.

We never: see your bank login credentials, initiate payments or transfers, or share your raw transaction data with third parties (including mortgage advisors) without your explicit consent.

You can revoke Open Banking access at any time from your Kivo account settings or directly from your banking app.

5. Sharing your data

We do not sell your personal data. We share it only in the following circumstances:

• With mortgage advisors: only if you explicitly consent to this during the advisor connection process
• Service providers: third-party providers who help us operate the platform (cloud hosting, analytics, email delivery) under strict data processing agreements
• Legal requirements: if required to do so by law or a valid legal request

All third-party processors are required to handle your data securely and in accordance with UK GDPR.

6. How long we keep your data

We retain your personal data for as long as you have an active Kivo account plus a period of up to 3 years for legitimate business and legal purposes. Financial data connected via Open Banking is retained for up to 12 months from connection, or until you revoke access and request deletion.

You can request deletion of all your data at any time — see Your Rights below.

7. Your rights

Under UK GDPR, you have the following rights:

• Access: request a copy of the personal data we hold about you
• Rectification: ask us to correct inaccurate data
• Erasure: request deletion of your personal data ("right to be forgotten")
• Restriction: ask us to limit how we process your data
• Portability: receive your data in a portable format
• Objection: object to processing based on legitimate interests
• Withdraw consent: where processing is based on consent, withdraw it at any time

To exercise any of these rights, email privacy@getkivo.co.uk. We will respond within 30 days.

8. Cookies

We use cookies to operate and improve our service:

• Essential cookies: required for the service to work (login sessions, security). These cannot be disabled
• Analytics cookies: help us understand how people use Kivo so we can improve it. You can decline these via the cookie banner
• Preference cookies: remember your settings and preferences

We do not use advertising or tracking cookies. You can manage cookie preferences via the banner shown on your first visit, or by clearing your browser cookies.

9. Contact & complaints

For any privacy questions, contact us at privacy@getkivo.co.uk.

If you're unhappy with how we've handled your data, you have the right to complain to the Information Commissioner's Office (ICO) at ico.org.uk.

This policy may be updated from time to time. We'll notify you of material changes by email or a prominent notice on our platform.