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Privacy Policy for Klicle

Last Updated: January 24, 2026

1. Introduction

Welcome to Klicle. We value your privacy and are committed to protecting your personal and financial data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

2. Information We Collect

To provide an effective finance assistant service, we may collect:

• Personal Identification: Name, email address, and contact details.
• Financial Data: Bank account details, transaction history, and expense patterns (only where explicitly shared or linked).
• Device Data: IP address, device ID, and operating system version.
• Usage Data: Information on how you interact with the app’s features.

3. How We Use Your Information

We use the collected data to:

• Provide personalized financial insights and assistance.
• Improve app functionality and user experience.
• Communicate updates, security alerts, and support messages.
• Protect the Business: Detect and prevent fraudulent activity or unauthorized access.

4. Data Sharing and Disclosure

We do not sell your personal data. We may share information only in the following cases:

• Service Providers: Third-party vendors who assist in hosting, data analysis, or customer service (subject to strict confidentiality).
• Legal Obligations: If required by law or to protect the rights, property, or safety of Klicle, our users, or others.
• Business Transfers: In the event of a merger, sale, or acquisition, your data may be transferred as a business asset.

5. Security of Your Data

We implement industry-standard security measures, including encryption and secure socket layer (SSL) technology, to protect your financial information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. User Rights and Choices

Depending on your location, you may have the right to:

• Access the personal data we hold about you.
• Request the correction or deletion of your data.
• Opt-out of certain data processing activities.

7. Limitation of Liability

To the maximum extent permitted by law, Klicle shall not be liable for any indirect, incidental, or consequential damages resulting from any unauthorized access to your information, provided we have maintained reasonable security standards.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy within the app and updating the "Last Updated" date.

Terms of Service for Klicle

Effective Date: January 24, 2026

1. Acceptance of Terms

By accessing or using the Klicle mobile application ("the App"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the App.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract under applicable law (including the Contracts Act 1950 of Malaysia, if applicable) to use this App.

3. Not a Financial Advisor

For Informational Purposes Only: Klicle is a finance assistant app designed to help you track and manage your data. We do not provide professional financial, investment, legal, or tax advice.

No Fiduciary Duty: Your use of the App does not create a fiduciary relationship. Any actions you take based on information within the App are at your own risk. We recommend consulting with a certified financial planner for significant financial decisions.

4. User Accounts and Security

You are responsible for maintaining the confidentiality of your login credentials.

You agree to notify us immediately of any unauthorized use of your account. Klicle is not liable for any losses caused by unauthorized access to your account.

5. Prohibited Conduct

Users agree not to:

• Use the App for any illegal purposes or in violation of any local or international laws.
• Attempt to reverse-engineer, decompile, or disrupt the App’s infrastructure.
• Input false or misleading financial data with the intent to defraud.

6. Intellectual Property

All content, logos (including the Klicle logo), features, and functionality are the exclusive property of the business and are protected by copyright, trademark, and other intellectual property laws.

7. Limitation of Liability

To the maximum extent permitted by law, Klicle and its owners shall not be liable for:

• Any loss of money, profits, or data resulting from your use of the App.
• Inaccuracies in data provided by third-party financial institutions or user input.
• Technical malfunctions or downtime of the App.

8. Indemnification

You agree to indemnify and hold harmless Klicle and its affiliates from any claims, damages, or expenses (including legal fees) arising out of your use of the App or your violation of these Terms.

9. Termination

We reserve the right to suspend or terminate your account at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users or the business.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Malaysia. Any disputes shall be subject to the exclusive jurisdiction of the courts in Malaysia.

11. Changes to Terms

We may modify these Terms at any time. Your continued use of the App after changes are posted constitutes your acceptance of the new Terms.

Security at Klicle

1. Data Encryption

We ensure that your data is never "in the clear":

• In Transit: All communication between your device and our servers is encrypted using Transport Layer Security (TLS 1.3), preventing "man-in-the-middle" attacks.
• At Rest: Sensitive data stored in our databases is encrypted using Advanced Encryption Standard (AES-256), the same standard used by banks and government agencies.

2. Account Protection

We provide tools to help you keep your account gate locked:

• Multi-Factor Authentication (MFA): We support and encourage the use of MFA to ensure that even if your password is stolen, your account remains inaccessible to others.
• Biometric Integration: Klicle leverages native device security, such as FaceID and TouchID, to provide secure and convenient access.
• Automatic Time-outs: To protect you if your device is left unattended, the App automatically terminates active sessions after a period of inactivity.

3. Infrastructure Security

Our backend environment is built for resilience:

• Secure Hosting: Our services are hosted in world-class data centers that feature 24/7 physical security and biometric access controls.
• Firewalls & Intrusion Detection: We utilize advanced firewalls and monitoring systems to identify and block malicious traffic or unauthorized access attempts in real-time.
• Vulnerability Management: We conduct regular security scans and "penetration tests" to identify and patch potential weaknesses before they can be exploited.

4. Your Role in Security

Security is a partnership. To maintain a secure environment, we require users to:

• Use a strong, unique password for their Klicle account.
• Keep their mobile device operating system and the Klicle app updated to the latest versions.