Privacy Policy

1. Introduction

Navo Finance ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

By using the Navo Finance platform, you consent to the data practices described in this policy. If you do not agree with our policies, please do not access or use our services.

2. Information We Collect

2.1 Personal Information

We may collect personally identifiable information that you voluntarily provide, including:

• Full legal name and date of birth
• Email address and phone number
• Physical address and country of residence
• Government-issued identification documents
• Social Security Number or Tax Identification Number
• Bank account and financial information
• Digital wallet addresses

2.2 Identity Verification Data

For regulatory compliance (KYC/AML), we collect:

• Passport, driver's license, or national ID copies
• Proof of address documents
• Selfie or biometric verification data
• Source of funds documentation

2.3 Automatically Collected Information

When you access our platform, we automatically collect:

• IP address and device identifiers
• Browser type and operating system
• Access times and pages viewed
• Referring website addresses
• Transaction and activity logs

3. How We Use Your Information

We use collected information for the following purposes:

Purpose	Legal Basis
Account creation and management	Contract performance
Identity verification (KYC/AML)	Legal obligation
Process transactions	Contract performance
Fraud prevention and security	Legitimate interest
Customer support	Contract performance
Platform improvements	Legitimate interest
Marketing communications	Consent
Legal compliance	Legal obligation

4. Information Sharing

We may share your information with:

4.1 Service Providers

Third-party vendors who assist with identity verification, payment processing, cloud hosting, analytics, and customer support.

4.2 Legal and Regulatory Authorities

When required by law, court order, or regulatory request, including tax authorities and financial regulators.

4.3 Business Partners

With your consent, we may share information with partner companies for co-branded services or offerings.

4.4 Corporate Transactions

In connection with mergers, acquisitions, or asset sales, your information may be transferred to the acquiring entity.

5. Data Security

We implement robust security measures to protect your information:

• AES-256 encryption for data at rest
• TLS 1.3 encryption for data in transit
• Multi-factor authentication
• Regular security audits and penetration testing
• SOC 2 Type II compliance
• Access controls and employee training

Despite our efforts, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

• Maintain your account and provide services
• Comply with legal obligations (typically 5-7 years for financial records)
• Resolve disputes and enforce agreements
• Fulfill legitimate business purposes

After the retention period, data is securely deleted or anonymized.

7. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data (subject to legal requirements)
• Restriction: Limit how we process your data
• Portability: Receive your data in a portable format
• Objection: Object to certain processing activities
• Withdraw Consent: Revoke previously given consent

To exercise these rights, contact us at privacy@navo.finance.

8. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences and settings
• Authenticate your sessions
• Analyze platform usage and performance
• Deliver relevant content

You can manage cookie preferences through your browser settings. Disabling cookies may affect platform functionality.

9. International Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place, including:

• Standard Contractual Clauses (SCCs)
• Adequacy decisions
• Binding Corporate Rules

10. Children's Privacy

Our platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover such data has been collected, we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email or platform notification. Continued use after changes constitutes acceptance of the updated policy.

12. Contact Us

For privacy-related inquiries or to exercise your rights:

Navo Finance
Attn: Privacy Officer
147 Bartlett St, office 221
San Francisco, CA 94110, USA
Email: privacy@navo.finance
Phone: +1 415-207-6811