Privacy Policy

Volo Technologies Group Inc. Privacy Policy

Last Updated: March 28, 2026

Overview

Volo Technologies Group Inc. (“Volo Technologies”, “Company”, “we”, “our” or “us”) is committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and protect information when you access or use our website located at www.voloapp.ca, our mobile applications, and related services (collectively, the “Platform”).

By accessing or using the Platform, you agree to the terms of this Privacy Policy and our Terms of Use.

Information We Collect

To provide our services, we collect:

• Information you provide directly to us
• Information collected automatically through your use of the Platform
• Information obtained from third-party financial institutions and service providers

Information You Provide to Us

When you create an account or use our services, we may collect:

• Name
• Email address
• Phone number
• Mailing address
• Date of birth (where required)
• Profile information (including avatars or images you upload)

To enable financial functionality, you may also provide credentials or authorization required to access your financial accounts through third-party providers.

In certain cases, we may request identity verification information (e.g., government-issued ID). This information is used strictly for verification and is not retained beyond what is required by law.

Financial Information

Through our integration with third-party providers such as Plaid and Dwolla, we may access financial account information including:

• Account balances
• Account type and institution
• Transaction history

We do not store sensitive banking credentials such as usernames or passwords on our servers.

Contacts

With your permission, Volo may access your device’s contact list to:

• Help you connect with other users
• Invite participants to transactions
• Facilitate core app functionality

This information is used solely for these purposes and is linked to your account. We do not store your full contact list on our servers. Contact data is accessed and used only as necessary to enable core functionality within the app.

User Content

We may collect and store content that you upload to the Platform, including:

• Profile images
• Photos
• Videos
• Documents or other files

This content is used solely to enable loan creation, verification, and related platform functionality.

Identifiers

When you create an account, we assign a unique user identifier (“User ID”). This identifier is used to:

• Manage your account
• Associate activity with your profile
• Enable core application functionality

Information Collected Automatically

We may collect technical and usage data, including:

• IP address
• Device type and operating system
• Browser type
• Usage behavior within the Platform
• Access times and interaction data

Information from Financial Accounts

With your authorization, we may collect:

• Account balances
• Transaction details (amount, time, location)
• Account type and institution

This data is used to provide core financial functionality within the Platform.

How We Use Your Information

We use collected information to:

• Provide and operate the Platform
• Facilitate financial transactions
• Improve and develop services
• Personalize user experience
• Communicate with you
• Provide customer support
• Ensure security and prevent fraud
• Comply with legal obligations

Data Linkage

The information we collect—including contact information, financial data, user content, and identifiers—is linked to your identity and used to provide, maintain, and improve the Platform.

Cookies and Analytics

We use limited analytics tools (such as Google Analytics) to understand general usage patterns and improve platform performance. This data is aggregated and is not used for advertising purposes, cross-app tracking, or user profiling.

Tracking

Volo does not use personal data for tracking purposes, including cross-app or cross-website tracking, advertising, or data brokerage.

How We Share Information

We do not sell your personal information. We may share information in the following circumstances:

Service Providers

We share data with trusted providers necessary to operate the Platform, including:

• Cloud infrastructure providers (e.g., Amazon Web Services)
• Financial data providers (e.g., Plaid)
• Payment processors (e.g., Dwolla)

Legal Requirements

We may disclose information where required to:

• Comply with laws or legal processes
• Enforce our agreements
• Protect rights, safety, or security

Business Operations

We may share data with vendors assisting in:

• Platform maintenance
• Security
• Customer support

Data Retention

We retain your information only as long as necessary to:

• Provide services
• Comply with legal obligations
• Resolve disputes
• Enforce agreements

Your Rights and Choices

You may:

• Access and update your account information
• Request correction of inaccurate data
• Request deletion of your account and personal information

To request deletion, email help@voloapp.ca with the subject line: “CANCEL ACCOUNT”

We may retain certain information as required by law.

Security

We implement appropriate safeguards to protect your data, including:

• Encryption of sensitive information
• Secure authentication processes
• Restricted access to personal data
• Ongoing system monitoring and security reviews

Third-Party Links

The Platform may contain links to third-party websites. We are not responsible for their privacy practices. Please review their policies separately.

Do Not Track

We do not track users across third-party websites and do not respond to Do Not Track signals.

Updates to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on our website with a revised “Last Updated” date.

Contact Us

If you have any questions about this Privacy Policy, please contact:

Email: help@voloapp.ca