Plain language summary: QUARVO helps you split purchases across your existing credit cards. We collect only what we need to provide that service, we never sell your data, and we never store your full card numbers — that's handled by Stripe, our PCI-compliant payment processor.
QUARVO ("we," "us," or "our") operates the web application available at quarvo.io. QUARVO is a Credit Combination Technology platform that enables users to split high-value purchases across multiple existing credit cards.
QUARVO is not a lender, bank, or financial institution. We do not issue credit, provide loans, or create new credit lines. We are a technology platform that facilitates the use of existing credit.
We use the information we collect to:
We will never use your information for purposes incompatible with those stated above without your explicit consent.
All payment processing is handled by Stripe, Inc., a PCI-DSS Level 1 certified payment processor. When you add a credit card to QUARVO:
Fee transparency: QUARVO charges a flat fee of $5.99 per split transaction. This is disclosed clearly before you confirm any split. Standard Stripe processing fees also apply and are passed through at cost.
We do not sell, rent, or trade your personal information. We share your information only in the following circumstances:
All service providers are contractually bound to use your data only as necessary to provide services to QUARVO and in compliance with applicable law.
We may disclose your information if required to do so by law, court order, or governmental authority, or to protect the rights, property, or safety of QUARVO, our users, or others.
If QUARVO is acquired, merged, or sells substantially all of its assets, your information may be transferred as part of that transaction. We will notify you via email before your information is transferred and becomes subject to a different privacy policy.
We use essential cookies required for the platform to function (session management, security). We may also use analytics tools to understand how users interact with our platform.
You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of the QUARVO platform.
We retain your personal information for as long as your account is active or as needed to provide you services. If you close your account, we will delete or anonymize your personal data within 90 days, except where we are required to retain it for legal or regulatory compliance (typically up to 7 years for financial transaction records).
Waitlist email addresses are retained until you unsubscribe or request deletion.
Depending on your location, you may have the following rights regarding your personal data:
To exercise any of these rights, contact us at [email protected].
QUARVO is not directed at children under the age of 18. We do not knowingly collect personal information from anyone under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately at [email protected] and we will delete it promptly.
We may update this Privacy Policy from time to time. When we make material changes, we will notify you by email (at the address associated with your account) and by posting the updated policy on this page with a new effective date.
Your continued use of QUARVO after any changes constitutes your acceptance of the updated policy.
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