Privacy Policy

Last updated: August 10, 2026

This Privacy Policy describes how AB Technologies Holdings Corp, a Delaware corporation doing business as Kalco (“Kalco,” “we,” “us,” or “our”), collects, uses, and discloses information when you use trykalco.com and any related applications and services (collectively, the “Service”).

PLEASE READ THIS CAREFULLY. IF YOU DO NOT AGREE, PLEASE DO NOT USE THE SERVICE.

The Short Version

1. Information We Collect

A. Information You Provide

Account information. When you create an account, we collect your email address. Depending on how you use the Service, we may also collect your name and phone number.

Debt information you enter manually. If you add debts by hand, we collect the information you provide: creditor name, balance, interest rate, minimum payment, and due date.

Communications. If you contact us for support, we collect your email address and whatever information you include in your message.

B. Financial Account Information

When you choose to connect a financial account, we collect information about that account from your financial institution (“Account Data”), including:

• Account type, name, and institution
• Current and statement balances
• Interest rates (APRs)
• Minimum payment amounts and due dates
• Loan details, including repayment plan type and loan status
• Transaction history, including interest and fee charges

We access this information through Plaid Inc. (“Plaid”). Plaid connects to your financial institution on your behalf and transmits the information to us. When you connect an account, you also agree to Plaid’s End User Privacy Policy at https://plaid.com/legal.

Our access is read-only. We cannot initiate transactions, move funds, or make changes to your accounts.

We do not store your bank login credentials. Those are handled by Plaid and never reach our systems.

C. Information Collected Automatically

Device information. IP address, browser type and version, operating system, device identifiers, and screen size.

Usage information. Pages and features you use, time spent, dates and times of access, referring pages, error logs, and how you interact with emails we send.

Approximate location. We may derive an approximate location (city, state, ZIP) from your IP address.

D. Information From Other Sources

We receive information from our service providers — for example, subscription status from our payment processor and security signals from our infrastructure providers.

2. How We Use Your Information

We use your information to:

• provide the Service, including calculating payoff projections, interest costs, and repayment plans;
• create and manage your account;
• process payments and manage your subscription;
• send you operational messages about your account, security, and billing;
• send you progress updates and product communications you have not opted out of;
• respond to your support requests;
• analyze usage to improve the accuracy, reliability, and usability of the Service;
• detect, investigate, and prevent fraud, abuse, and security incidents;
• comply with legal obligations and enforce our Terms of Service.

Aggregated and De-Identified Information

We may aggregate and de-identify information so it can no longer reasonably be linked to you or your device. We may use this information to develop, improve, and evaluate our products — for example, to improve the accuracy of our debt detection and projection models, or to publish general research about consumer debt.

We will not attempt to re-identify de-identified information, and we do not sell it.

3. Cookies and Similar Technologies

We and our service providers use cookies, local storage, tracking pixels, and similar technologies to:

• keep you signed in and remember your preferences;
• understand how the Service is used so we can improve it;
• measure the performance of our marketing;
• secure the Service and prevent fraud.

You can configure your browser to block or notify you about cookies. If you block them, some features may not work.

4. Analytics and Advertising

Analytics. We use third-party analytics services to understand how the Service is used and to identify problems. These providers collect usage and device information on our behalf.

Advertising. We may work with third-party advertising partners to promote the Service on other websites and applications, and we may in the future display advertising within the Service. These partners may use cookies and similar technologies to measure the performance of our advertising and to show you relevant ads.

Where advertising is concerned, the following always applies:

• We do not share your Account Data or any other financial information with advertising partners.
• We do not sell your personal information.

To learn about interest-based advertising generally and your choices, you can visit the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or your device’s advertising settings.

Do Not Track. Because there is no industry consensus on how to interpret Do Not Track signals, we do not currently respond to them.

5. How We Share Your Information

We do not sell your personal information. We do not share your financial information with third parties for their own marketing purposes.

We share information in the following circumstances:

Service providers. We share information with companies that perform services for us, under contracts that limit their use of the information to providing those services. Our current service providers include:

Financial data sources. We share information with financial institutions and data providers as necessary to establish and maintain a connection you have chosen to make.

Legal compliance and protection of rights. We may disclose information where we believe it necessary to comply with applicable law or legal process, respond to lawful requests from public authorities, enforce our Terms of Service, or protect the rights, property, or safety of Kalco, our users, or others.

Corporate transactions. If we are involved in a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction. We will provide notice before your information becomes subject to a different privacy policy.

With your consent or at your direction. We share information with third parties when you ask us to or when you have otherwise consented.

6. How We Protect Your Information

We use a range of safeguards designed to protect your information, including:

• encryption of data in transit and at rest;
• access controls limiting who can access production systems;
• multi-factor authentication on administrative accounts;
• monitoring and logging of system activity;
• a written information security program with a designated individual responsible for it.

We minimize what we store. We retain the derived information necessary to provide the Service — your debts, balances, rates, and calculated projections. Where practical, we retrieve detailed transaction information from your financial institution when needed rather than storing it.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the security of your account credentials. If you believe your account has been compromised, contact us immediately at support@trykalco.com.

7. Retention and Deletion

We retain your information while your account is active.

When you delete your account, we delete your personal information and Account Data within 30 days, except where we are required to retain certain records to comply with legal obligations, resolve disputes, or enforce our agreements. De-identified and aggregated information may be retained.

When you disconnect a financial account, we stop retrieving new data from it and delete the associated Account Data.

You may delete your account at any time in your account settings.

8. Your Choices and Rights

Access and correction. You can view and update your account information and debt information directly in the Service.

Disconnect accounts. You can disconnect any linked financial account at any time in your settings.

Delete your account. You can delete your account and associated data in your settings.

Marketing communications. You can unsubscribe from marketing emails using the link in any such email or by emailing support@trykalco.com. You cannot opt out of operational messages — billing notices, security alerts, and account confirmations — while maintaining an account.

Notifications. You can disable push and email notifications in your settings.

To make any request, contact us at support@trykalco.com. We may need to verify your identity before responding.

9. California Privacy Rights

If you are a California resident, the California Consumer Privacy Act, as amended by the CPRA, gives you the following rights:

• Right to know what categories of personal information we collect, the sources, the purposes, and the categories of third parties with whom we share it.
• Right to access the specific pieces of personal information we hold about you.
• Right to correct inaccurate personal information.
• Right to delete personal information we have collected about you.
• Right to opt out of sale or sharing of personal information.
• Right to limit use of sensitive personal information.
• Right to non-discrimination for exercising any of these rights.

We do not sell personal information, and we do not share personal information for cross-context behavioral advertising as those terms are defined under California law.

We collect the following categories of personal information: identifiers (email, name, IP address); commercial information (subscription and transaction history); financial information (account balances, interest rates, payment obligations); internet activity (usage of the Service); and geolocation data (approximate, derived from IP address).

Financial account information is treated as sensitive personal information under California law. We use it only to provide the Service you requested and for the purposes described in this policy.

To exercise any right, email support@trykalco.com. We will respond within 45 days, and may extend once by an additional 45 days with notice. We may need to verify your identity.

You may designate an authorized agent to make a request on your behalf.

California “Shine the Light.” We do not share personal information with third parties for their own direct marketing purposes.

10. Other State Privacy Rights

Residents of certain other states — including Colorado, Connecticut, Virginia, Utah, Texas, Oregon, and Montana — have similar rights to access, correct, delete, and obtain a copy of their personal information, and to opt out of targeted advertising and the sale of personal information.

We do not sell personal information. To exercise any applicable right, contact us at support@trykalco.com.

Nevada residents. Nevada law allows residents to opt out of the sale of certain personal information. We do not engage in such sales, but you may submit a request to support@trykalco.com and we will honor it if our practices change.

11. Children’s Privacy

The Service is intended for adults and is not directed to children under 18. We do not knowingly collect personal information from anyone under 18. If we learn we have collected such information, we will delete it and terminate the account. If you believe a child has provided us information, contact support@trykalco.com.

12. Third-Party Links

The Service may contain links to third-party websites and services. We do not control them and are not responsible for their privacy practices. We encourage you to review the privacy policy of any site you visit.

13. Where Your Information Is Processed

The Service is intended for users in the United States, and your information is processed in the United States. If you access the Service from outside the United States, you understand that your information will be transferred to and processed in the United States, where privacy laws may differ from those in your jurisdiction.

14. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices, the Service, or applicable law. We will post the updated policy here and revise the “Last updated” date.

If we make a material change — including any change that would expand how we use or share your financial information —we will notify you by email or prominent in-Service notice before the change takes effect.

If we ever introduce a service that moves money on your behalf, we will obtain your separate, affirmative authorization before enrolling you. Continued use of the Service will not be treated as consent to such a service.

15. Contact Us