How We Protect
Your Money
Your money in the Lova digital wallet is protected from the moment of registration through every transaction. We employ a multi-layered security system that ensures only you have access to your account and funds.
App
Lock
Access to the Lova app is protected by the same mechanisms as your mobile device.
You can unlock the app using:
We recommend always using device lock, as this provides additional protection for your money against unauthorized access.
User's Personal Access
Logging into a Lova account is exclusively for the account owner.
During registration and verification, the user provides:
Device
Authorization
Any new device attempting to access your Lova account must be specifically authorized via email.
This way, even if someone obtains your login credentials, they cannot sign in without your consent.
Advanced Technology and Multiple Checks
All data and transactions are protected by advanced encryption and modern software solutions. Every transaction undergoes multiple security checks, minimizing the risk of misuse.
Legal Protection of Your Funds
Your money in the Lova e-wallet is protected by law. In accordance with the Law on Electronic Money of the Republic of Srpska, the funds users deposit into Lova are not held in the company's accounts, but are kept in a separate bank account designated exclusively for user funds.
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Your money is separate from the company's funds,- It cannot be used for Lova's operations,
- It cannot be subject to enforcement,
- It does not enter the bankruptcy or liquidation estate,
- It remains protected even in the event of bankruptcy of the issuer or bank.
In other words, user funds are protected from both third parties and ourselves, as mandated by law.