Privacy Policy

At Cloove, privacy is part of earning your trust. This Privacy Policy explains what personal information we collect, how we use and protect it, and the choices you have, when you visit our website, use our apps, or interact with the Cloove platform (the “Services”).

This policy works alongside our Terms of Service. Where we process information on behalf of a business that uses Cloove, that business is responsible for its own customers’ data, and this policy describes our role as their processor.

We collect information in three ways:

We use the information we collect to:

• Provide, maintain, secure, and improve the Services.
• Process transactions, payouts, and send related confirmations.
• Power AI features that draft replies, handle calls, and organise your work.
• Send technical notices, updates, security alerts, and support messages.
• Detect, investigate, and prevent fraud, abuse, and other harmful activity.
• Comply with legal, regulatory, and compliance obligations.

We share personal information only where necessary, and never sell it. We may share it with:

• Service providers and partners who help us run the Services - such as cloud hosting, messaging, telephony, identity, and payment providers - under contracts that protect your data.
• Banking and financial partners, to deliver wallet and payout features you use.
• Authorities, regulators, or law enforcement, where we are legally required or to protect rights and safety.
• A successor entity, in connection with a merger, acquisition, or sale of assets, subject to this policy.

We keep personal information for as long as your account is active and as needed to provide the Services. Where the law requires it - for example, financial and compliance records under our AML / CFT / CPF Policy - we retain certain records for the mandated period, typically no less than five years after a relationship ends. We then delete or anonymise the information.

We use technical and organisational safeguards designed to protect your information from loss, misuse, and unauthorised access - including encryption in transit, access controls, and PIN-protected payouts. No method of transmission or storage is completely secure, but we work continuously to keep your data safe and to respond quickly if an incident occurs.

Depending on where you live, you may have rights over your personal information, including the right to:

• Access a copy of the information we hold about you.
• Correct information that is inaccurate or incomplete.
• Delete your information, subject to our legal retention obligations.
• Object to or restrict certain processing, and withdraw consent where we rely on it.

To exercise any of these rights, contact us at compliance@clooveai.com. You can also manage many preferences directly in your account settings.

Cloove operates globally, so your information may be processed in countries other than your own. Where we transfer personal data across borders, we put appropriate safeguards in place - such as contractual protections - so your information remains protected to the standard described in this policy.

The Services are intended for businesses and adults. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal data, please contact us and we will take steps to delete it.

We may update this Privacy Policy as our Services and the law evolve. When we make changes, we will revise the date above and, for material changes, provide additional notice. If you have any questions about this policy or how we handle your information, contact us at compliance@clooveai.com.