Privacy Policy

1. Introduction

Kioline Inc. ("Fidélité", "we", "us", or "our") operates the Fidélité platform and website at fidelite.app. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website or use our services.

2. Information We Collect

2.1 Information you provide

• Name and email address when joining our waitlist
• Account registration details (name, email, date of birth)
• Coverage-related information you submit, including evidence, statements, and supporting documentation
• Payment and billing information processed through our third-party payment providers
• Communications you send to us (support requests, feedback)

2.2 Information collected automatically

• Device and browser information (type, operating system, language)
• IP address and approximate location
• Usage data (pages visited, time spent, referral source)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our services
• Process waitlist registrations and account creation
• Administer coverage contracts and adjudication processes
• Communicate with you about your account, updates, and promotional materials
• Detect, prevent, and address fraud, abuse, or security issues
• Comply with legal obligations and enforce our terms
• Improve and optimize our platform and user experience

4. Sharing of Information

We do not sell your personal data. We may share your information with:

• Adjudication panels: Evidence and relevant details submitted during a claim, shared under strict confidentiality and NDA obligations
• Service providers: Third-party vendors who assist with payment processing, hosting, analytics, and communication services
• Legal requirements: When required by law, regulation, legal process, or governmental request
• Business transfers: In connection with a merger, acquisition, or sale of assets

5. Data Retention

We retain your personal data for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Coverage-related evidence is retained in accordance with our adjudication and compliance policies.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. This includes encryption in transit and at rest, access controls, and regular security assessments.

7. Your Rights

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

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your personal data
• Object to or restrict certain processing activities
• Data portability
• Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us at info@kioline.com.

8. Cookies

We use cookies and similar technologies to enhance your experience, analyze usage, and assist with our marketing efforts. You can manage your cookie preferences through your browser settings.

9. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal data from children. If you believe we have collected data from a minor, please contact us immediately.

11. International Transfers

Your data may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a revised "Last updated" date.

13. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

Kioline Inc.
Email: info@kioline.com