Zero effort.
Maximum rewards.

Kova helps you decide which credit card to use for a purchase and tracks the rewards you've earned. This policy explains what information we collect, why, and how it's protected. Kova never accesses your bank accounts, never sees your transaction history, and never requires you to log in to your bank — there is no bank login, ever.

Information we collect

Account information. When you create a Kova account, we collect your email address, your first and last name, and a password. Your password is managed by our authentication provider (Supabase Auth) and is never stored or visible to us in plain text.

Cards you add. You manually select which credit cards you own from Kova's catalog of card products. This is self-reported — Kova has no connection to your actual bank or card issuer account, and cannot verify or access your real card, balance, or credit line.

Location (foreground only). When you have the app open, Kova can use your device's location to detect which nearby merchant you're at, so it can recommend the best card for that specific business.

• Only happens while the app is open and in use — Kova does not track your location in the background
• Is sent to a Kova server function that queries Google Places for the nearest matching business, and returns only that business's name — your coordinates are not saved anywhere after that request completes
• Is never stored, sold, or shared with anyone

Rewards you log. When you tap "Used it" to confirm you used a recommended card, we store the purchase category, an estimated spend amount, and the dollar value of the reward, tied to your account — this is what powers your personal rewards ledger. We never see the actual transaction.

Optional bonus tracking. If you choose to track a card's sign-up bonus progress, the spend and deadline numbers are manually typed in by you, not derived from any transaction data.

Analytics. We use PostHog to understand how people use the app, limited to four events: a recommendation being shown, a recommendation being marked "used," a free trial starting, and a card application being started — tied to an anonymous device identifier, not your name or email.

Information we do not collect

• Bank login credentials, of any kind, ever
• Bank account or routing numbers
• Your actual credit card numbers
• Real transaction history from any bank or card issuer
• Background or continuous location — only a one-time check while the app is actively open

Who we share information with

• Supabase — our database, authentication, and backend provider, protected by row-level security so only you can read or write your own records
• Google Places API — receives your coordinates only at the moment you check for a nearby merchant, to identify that business
• PostHog — receives the anonymized usage events described above

We do not sell your personal information, and we do not share it with credit card issuers or any third party for marketing purposes.

Data retention and deletion

You can permanently delete your account at any time from Profile → Delete my account inside the app. This immediately and permanently removes your added cards, your rewards ledger, and your bonus trackers. This action cannot be undone.

Children's privacy

Kova is not directed at children under 13, and we do not knowingly collect information from children under 13.

Contact us

Questions about this policy or your data? Email [email protected].

These terms govern your use of the Kova mobile app, operated by Kova Rewards LLC — legal entity pending ("Kova," "we," "us"). By creating an account or using the app, you agree to these terms.

What Kova is

Kova helps you decide which credit card in your own wallet earns the best rewards for a given purchase, and keeps a running total of the rewards you've captured by following that advice. Kova is an informational tool, not a financial advisor, and nothing in the app constitutes financial, legal, or tax advice. Kova never asks for or stores your bank login credentials, and never accesses your real transaction history.

Accuracy of card and reward information

Card names, reward multipliers, annual fees, and benefits shown in Kova are maintained on a good-faith, best-effort basis and checked periodically against each issuer's own published terms — the "verified" date shown on a card reflects when we last confirmed it. Issuers can change reward rates, fees, and terms at any time, sometimes without notice. Always confirm current terms on the card issuer's own website before making a decision based on Kova's recommendation. Kova is not responsible for reward amounts, approvals, or terms that differ from what's shown in the app.

Your account

You're responsible for keeping your login credentials secure and for all activity under your account, and for providing accurate information such as your name and email.

Acceptable use

You agree not to misuse the app — including attempting to reverse-engineer, scrape, or extract Kova's card database outside normal use of the app, or using the service for any unlawful purpose.

Subscriptions

If Kova offers a paid subscription (e.g., "Kova Pro"), purchases are processed through Apple's App Store and are subject to Apple's own terms and refund policies, in addition to these terms.

Card applications and affiliate relationships

Kova may, now or in the future, link to credit card issuer application pages. Where Kova earns a commission for an approved application made through the app, this will be clearly disclosed at the point of the recommendation — not only here. Whether or not Kova earns a commission never affects which card we recommend as the best fit for a purchase.

Termination

You may stop using Kova and delete your account at any time from Profile → Delete my account, which permanently removes your account data. We may suspend or terminate accounts that violate these terms.

Disclaimer and limitation of liability

Kova is provided "as is," without warranties of any kind, including that reward information is always current or accurate. To the maximum extent permitted by law, Kova is not liable for indirect, incidental, or consequential damages arising from your use of the app.

Governing law

These terms are governed by the laws of [state, pending LLC formation], without regard to conflict-of-law principles.

Contact us

Questions about these terms? Email [email protected].