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Privacy Policy

A legal disclaimer

1. Introduction

Welcome to KCONE Enterprise.
We value your trust and are committed to protecting your personal information.

This Privacy Policy describes how we collect, use, store, and share your data when you use the KCONE mobile and web applications, including integrations with third-party partners such as Plaid Technologies, Inc..

By using KCONE, you agree to this Privacy Policy. If you disagree, please do not use our services.

2. Information We Collect

We collect the following types of information to operate and improve our service:

a. Information You Provide

  • Full name, phone number, email address, and other registration data.

  • Government-issued identification (if required for verification).

  • Financial data you choose to connect (via Plaid or other partners).

  • Payment details for subscription or transactions.

b. Information Collected Automatically

  • Device type, operating system, and browser.

  • IP address, location (approximate), and usage analytics.

  • Date and time of access, pages viewed, in-app actions, and errors.

c. Information from Third Parties (Plaid & Others)

When you connect your bank or financial institution using Plaid:

  • Plaid securely collects data such as your account balances, transactions, and account type.

  • We receive read-only financial data — we never have access to your bank credentials.

  • All such access complies with Plaid’s End User Privacy Policy (plaid.com/legal).

3. How We Use Your Information

We use your data to:

  1. Operate and deliver K-CONE services.

  2. Verify your financial eligibility or creditworthiness.

  3. Process payments, deposits, or withdrawals securely.

  4. Communicate important updates, promotions, or support messages.

  5. Improve system performance and personalize your experience.

  6. Prevent fraud, misuse, or illegal activity.

  7. Comply with legal, regulatory, and partner obligations.

We never sell your data to third parties.

4. How We Share Information

We may share your data only with:

Recipient

Purpose

Plaid Technologies, Inc.

To link and verify your financial accounts.

Payment Processors

To complete authorized transactions.

Service Providers

For analytics, hosting, or customer support (bound by confidentiality).

Regulatory Authorities

Only if required by law or legal order.

We do not share or sell your personal or financial information for advertising purposes.

Data Usage

5. Data Storage and Security

  • All personal and financial data are stored with secured encryption.

  • Data is transmitted using SSL/TLS protocols.

  • Access is restricted to authorized employees and contractors who are bound by confidentiality.

  • We conduct regular security audits and comply with Plaid’s security requirements.

However, no online platform is 100% secure. You use the service at your own risk, though we take every reasonable precaution.

6. International Data Transfers

KCONE may process data on servers located in the United States or other jurisdictions.
By using our service, you consent to this transfer and acknowledge that privacy laws in other regions may differ from those in your country.

7. Data Retention

We retain your data:

  • For as long as your account remains active

  • As necessary to comply with legal obligations or dispute resolutions.

You may request account deletion, and we will remove your personal data unless retention is required by law, anti-fraud or accounting regulations.

8. Your Rights

Depending on your location, you may have rights to:

  • Access, correct, or delete your personal information.

  • Withdraw consent to data processing.

  • Request a copy of the data we hold about you.

To exercise these rights, email kconeenterprise1@gmail.com
We may require identity verification before fulfilling your request.

9. Children’s Privacy

KCONE is not intended for children under 18.
We do not knowingly collect or maintain information from minors. If we become aware of such data, we delete it promptly.

10. Cookies and Tracking Technologies

We use cookies or similar technologies for:

  • Session management and authentication,

  • Usage analytics,

  • Improving performance and experience.

You can disable cookies in your browser settings, but this may limit functionality.

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