QILO PRIVACY POLICY

This Privacy Policy explains what information Qilo collects, how we use and share it, and the choices you have. It's part of our Terms of Service.

1. Information We Collect

1. When you use the Platform, we may collect: account information (name, email, phone number, mailing address); property information you submit (address, listing details, photos, documents); payment information (processed by our third-party payment processor — we don't store full card numbers); transaction and communications data generated through your use of the Platform; and technical data (IP address, browser type, device identifiers, usage logs, and cookies).

2. Identity verification: if the Platform asks you to verify your identity, that process is handled by Plaid, a third-party identity verification provider. Plaid may collect a government ID and a live selfie match directly from you. Qilo does not receive or store this data — Plaid shares only a verification result (such as pass/fail) with us. Plaid's own privacy policy governs its collection and handling of that information.

2. How We Use Your Information

3. We use your information to: run and improve the Platform; process payments and manage your subscription; communicate with you about your account, transactions, and updates — including by text message if you've opted in; provide customer support; meet legal obligations; prevent fraud and enforce our Terms; and send marketing messages, if you've opted in.

4. We do not sell your personal information.

3. Information We Share

5. We may share your information with: service providers who help us run the Platform (payment processors, identity verification providers such as Plaid, email providers, cloud storage), who are contractually required to protect it; other users, when needed for your transaction (for example, your name and contact details may be visible to the other party); law enforcement or government authorities, if the law requires it or to protect Qilo's or others' rights and safety; and a successor company, if we're involved in a merger, acquisition, or sale of assets.

6. Qilo does not receive any compensation, referral fees, or other consideration from title, escrow, or other service providers we may connect you with.

4. Cookies & Analytics

7. The Platform uses cookies and similar technology to remember your preferences, understand usage, and improve performance. You can control cookies through your browser; turning them off may limit some features.

8. We may use third-party analytics tools, like Google Analytics, to see how people use the Platform. These tools may collect anonymized usage data.

5. Data Retention

9. We keep your information as long as your account is active, as needed to run the Platform, and as required by law. You can request deletion of your account and data by contacting us (Section 10). We may keep some data after deletion to meet legal obligations or resolve disputes.

6. Your Rights

10. Depending on where you live, you may have the right to access, correct, or delete your personal information; object to or limit certain uses of it; and get a portable copy of your data. Contact us (Section 10) to exercise these rights — we'll respond within 30 days.

11. Non-discrimination: we will not deny you service, charge you a different price, or provide a different level of service because you exercised any of these rights.

12. Appeal: if we deny your request, you may appeal by contacting us at legal@goqilo.com with "Privacy Appeal" in the subject line. We will respond to your appeal within 45 days.

7. Children's Privacy

13. The Platform isn't directed at children under 13, and we don't knowingly collect personal information from them. If you believe we've done so by mistake, contact us and we'll delete it.

8. Security

14. We use reasonable technical and organizational measures to protect your information from unauthorized access, loss, or disclosure. No method of transmission or storage is completely secure, so we can't guarantee absolute security.

9. Changes to This Policy

15. We may update this Privacy Policy at any time by posting the new version here, and we'll give notice of material changes. Continuing to use the Platform after an update means you accept it.

10. Contact

16. Questions about this Privacy Policy or your privacy rights can go to legal@goqilo.com, or by mail to 2810 N Church St, Wilmington, DE 19802.