Klover (Klover Holdings, Inc.)

Klover's business is built on users' data as much as on advances: its privacy policy says plainly 'We sell and share your Personal Information,' including licensing it to advertisers and letting third parties match their data with Klover's 'through our group company Attain' - and the data includes bank and transaction data, uploaded receipts and connected email purchases, survey answers, and categories it labels sensitive such as inferred socioeconomic status, race or ethnicity, and health-related purchases. On the lending side, a putative national class action (Moss v. Klover Holdings, N.D. Ill.) alleging its advances are credit under TILA and the Military Lending Act survived a motion to dismiss.

• Severity
• Evidence tierUnassigned
• Claims confirmed
• Last verified2026-10-16

Case status. Private litigation; the legal tier of its sources has not been assigned yet.

Primary source. www.joinklover.com/privacy-policy — Unverified - heuristic first draft.

Arbitration

Yes - Terms §17: binding individual AAA arbitration, waiver of class/representative actions; batch-arbitration process in groups of up to 100 for mass filings; MLA covered borrowers excluded.

Data sharing

SELLS DATA (own admission). Privacy policy (Feb. 2, 2026): 'We sell and share your Personal Information, subject to your right to opt-out.' Recipients include third parties that 'license or purchase your Personal Information from us, including through our group company Attain' and parties that match data to target/measure ads. Collected data: card and bank account information, transaction and digital transaction data, uploaded receipts and connected loyalty/email purchases, survey/psychographic answers, device IDs, IP and ZIP+4. Sensitive categories listed include gender/sexual orientation, race or ethnic origin, inferred socioeconomic status, health data (e.g., health-related receipts) and email content. Payment processor TabaPay named. Opt-out portal hosted at attain.privacy.saymine.io/Klover.

Contacts

Privacy contact. support@joinklover.com; opt-out portal attain.privacy.saymine.io/Klover

Legal notice. Klover Holdings, Inc., 200 N. LaSalle St. Ste 2000, Chicago, IL 60601 (Terms, EFT disclosures)

Mailing address. Not recorded.