Privacy Policy for Clive – AI-Powered Financial Advice

By accessing or using Clive, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

We collect both personal and financial data to provide you with accurate, personalized advice.

1.1 Personal Information

• Full name
• Email address
• Phone number
• Date of birth
• Address (if required for financial compliance)
• Login credentials

1.2 Financial Information

• Income and employment details
• Expenses and budgeting data
• Bank account or credit card data (only when connected securely through third-party services)
• Investment portfolio and retirement plans
• Credit score or debt information

1.3 Technical & Usage Data

• Device and browser information
• IP address
• Time and duration of visits
• Interaction with the AI chatbot or advisory tools
• Log and diagnostic data

1.4 Cookies & Analytics

We use cookies and similar technologies to improve performance, personalize content, and track usage trends. You can manage cookie preferences via your browser settings.

2. How We Use Your Information

Clive uses your data to deliver smart, secure, and personalized financial insights.

• Provide tailored financial advice using AI algorithms
• Analyze your financial health and suggest goals
• Sync with third-party financial services (with your permission)
• Improve platform performance and user experience
• Prevent fraud and ensure compliance with financial regulations
• Respond to customer support requests
• Send updates, recommendations, and security alerts

3. How We Protect Your Data

We take your privacy seriously and use industry-standard safeguards including:

• End-to-end encryption for sensitive data
• Secure cloud infrastructure
• Multi-factor authentication
• Regular security audits and compliance reviews

Despite our efforts, no method of data transmission is 100% secure.

4. AI and Automated Decisions

Clive uses artificial intelligence and machine learning to generate financial recommendations. These systems operate based on your input data, financial patterns, and market insights.

You always have the option to:

• Review and validate AI-generated advice
• Contact a human advisor (if available through Clive)
• Opt-out of automated decision-making (where legally applicable)

5. Sharing Your Information

We not sell your personal or financial data. We may share data only with:

• Trusted service providers (e.g., cloud hosting, analytics, payment processors)
• Regulatory or legal bodies when required by law or financial regulations
• Third-party financial institutions, only when explicitly authorized by you

All partners are contractually required to protect your information and only use it as needed.

6. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access, correct, or delete your personal data
• Withdraw consent at any time
• Object to data processing or request restriction
• Export your data (data portability)

To exercise these rights, contact us at contact@clive.com.

7. Data Retention

We retain your data only as long as needed for:

• Providing financial services
• Legal and regulatory compliance
• Internal analytics and performance reviews

You may request account deletion at any time, subject to applicable data retention laws.

8. Children’s Privacy

Clive is not intended for users under 18. We do not knowingly collect personal data from children. If we learn that we have collected such data, we will delete it promptly.

9. International Data Transfers

If you are located outside the country where our servers are hosted, please be aware your data may be transferred to, processed, and stored in a different jurisdiction. We use standard contractual clauses and other safeguards to protect your information internationally.

10. Changes to This Policy

We may update this Privacy Policy occasionally. Any changes will be posted here with a revised effective date. If changes are material, we will notify you by email or through the platform.

11. Contact Us

If you have questions about this policy or need help managing your data, please contact us:

• Email: hello@helloclive.com