Privacy Policy

Rovia Innovations Inc. (“Rovia,” “we,” “us,” or “our”) respects your privacy and is committed to protecting it through our compliance with this Privacy Policy. This Policy explains how we collect, use, share, and protect your personal information when you interact with our websites, mobile applications, and other online services (collectively, the “Platform”), and when you use our financial and investment-related services (the “Services”).

Our Services are available via https://www.rovia.one and other platforms operated by Rovia. This Privacy Policy applies to both:

  • Visitors – individuals who browse public sections of our Platform without creating an account.
  • Customers – individuals or entities who sign up, access, or use our Services.

By accessing or using the Platform, you acknowledge that you have read and understand this Privacy Policy and agree to its terms.

1. Information We Collect

We collect information in the following categories:

A. Personal Identifiable Information (“PII”)

Information that can identify you as an individual, including:

  • Name, date of birth, nationality, citizenship, and residential address.
  • National ID or passport number and copy.
  • Contact information (phone, email).
  • Employment details (employer, position, employment status).
  • Politically exposed person (“PEP”) status, control person status, and other regulatory disclosures.
  • Income range, net worth range, and investment experience.

B. Nonpublic Personal Information (“NPI”)

Information collected in connection with a financial service or product, such as:

  • Account opening documents.
  • Trading activity, portfolio holdings, and transaction history.
  • Account numbers and custodial account details.
  • Regulatory disclosures and KYC/AML documentation.

C. Biometric Data

If required for identity verification, we may collect facial recognition or other biometric identifiers through trusted vendors. These are used solely for AML/KYC purposes and are not sold or used for marketing.

D. Financial Preferences & Investment Style

Risk tolerance, time horizon, liquidity needs, investment objectives, and other suitability-related data.

E. Payment & Banking Data

Linked bank accounts, credit/debit card information, account verification data, and payment transaction details, collected directly or via secure third-party providers.

F. Technical & Device Data

  • IP address, browser type, device type, operating system, network provider.
  • Unique device identifiers and cookies.
  • Activity logs, search queries, and navigation history on our Platform.

G. Third-Party Information

We may receive information about you from:

  • Financial institutions, brokers, and custodians.
  • Aggregator services (e.g., Plaid) — with your consent.
  • Credit bureaus and identity verification providers.
  • Public government databases and regulatory lists.

2. How We Use Your Information

We use your information to:

  • Provide, maintain, and improve our Services and Platform.
  • Verify your identity and comply with KYC/AML regulations.
  • Process transactions, including trades, deposits, and withdrawals.
  • Communicate with you regarding your account, transactions, and product updates.
  • Conduct analytics and aggregated research (de-identified where appropriate).
  • Comply with applicable laws, regulations, and regulatory reporting requirements.

We do not sell your personal information to third parties.

Where we share personal information with third parties (such as service providers) to provide the Platform or Services, we ask them to use it only for the agreed purpose, to keep it confidential, and not to disclose it to any other person except as permitted by law or our instructions. Where processing is based on your consent (for example, linking third-party accounts), you may withdraw your consent at any time.

3. How We Share Your Information

We may share your information as follows:

  • With Service Providers – e.g., custodians, broker-dealers (such as Alpaca Securities LLC), KYC/AML vendors, payment processors, analytics providers. These entities may only use your information to provide contracted services to us.
  • With Regulatory Bodies – e.g., SEC, FINRA, RBI, SEBI, or equivalent authorities as required by law.
  • With Affiliates – for operational, compliance, and customer support purposes.
  • With Your Consent – e.g., when linking outside accounts via aggregators like Plaid.
  • For Legal Protection – to enforce agreements, detect fraud, protect our rights or safety, or comply with court orders.

We do not share your financial account data obtained through regulated APIs (e.g., Plaid, Alpaca) for advertising purposes.

4. Cookies, Analytics, and Advertising

We use cookies and similar technologies to:

  • Keep you logged in and enhance site performance.
  • Measure and analyze usage patterns via analytics tools (e.g., Google Analytics).

If we engage in advertising, it will:

  • Be based on aggregated or anonymized data.
  • Never use your NPI or data obtained from regulated account connections for targeted advertising.

You can opt out of certain tracking via browser settings or at http://www.aboutads.info/choices and http://optout.networkadvertising.org/.

5. Data Retention

We retain your data for as long as necessary to:

  • Provide our Services.
  • Meet legal and regulatory requirements (e.g., SEC/FINRA 6-year recordkeeping).
  • Resolve disputes and enforce agreements.

6. Your Rights and Choices

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

  • Access, correct, or delete your personal data.
  • Request limitations on processing or sharing.
  • Revoke consent for third-party account connections.

7. Security

We use industry-standard security measures, including:

  • TLS/SSL encryption in transit.
  • AES-256 encryption at rest.
  • Multi-factor authentication for sensitive actions.
  • SOC 2-compliant and ISO 27001/27701-certified service providers where applicable.

However, no method of transmission over the internet is 100% secure.

8. Third-Party Links

Our Platform may link to external sites. This Privacy Policy does not govern those sites. We encourage you to review their privacy policies before providing personal information.

9. Children's Privacy

Our Services are not directed to individuals under 18, and we do not knowingly collect personal data from them.

10. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email or a notice on our Platform before they take effect.

11. Contact Us

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

help@rovia.one

Grievance Redressal Officer

Name: Arnav Grover

Email: help@rovia.one