Terms of Use Policy

Last Updated: June 25, 2024

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Introduction and Acceptance of Terms

Welcome to Kiwi

This document outlines the Terms of Use ("Terms") that govern your access to and use of the digital platforms provided by Kiwi Financial Inc. ("Kiwi," "we," "us," or "our"), including our website, mobile applications, and other online services (collectively, the "Services"). These Services are made available to you contingent upon your acceptance of all terms, conditions, policies, and notices stated here.

By accessing, browsing, or otherwise using the Services, you engage in our "Service" and agree to be bound by the following terms and conditions, including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms apply to all users of the Services, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Your Agreement to These Terms

Please read these Terms carefully before accessing or using our Services, which include our website and mobile app. By accessing or using any part of our Services, whether through the website or mobile app, you agree to be bound by these Terms. If you do not agree to all the terms and conditions of this agreement, then you may not access the website, download, or use the mobile app, or utilize any of our services. If these Terms are considered an offer, acceptance is expressly limited to these Terms.

The Services are offered subject to your acceptance without modification of all the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Kiwi's Privacy Policy), and procedures that may be published from time to time on this Site by Kiwi (collectively, the "Agreement").

You may not use the Services and may not accept the Terms if (a) you do not meet the legal age requirement to form a binding contract with Kiwi, as determined by the laws of your specific state of residence within the United States or its territories; (b) you are not a legal resident of the states or territories within the United States where Kiwi is authorized to offer its Services, in accordance with the applicable federal and state laws; or (c) you have been previously barred from using Kiwi's services due to fraudulent activities or any other violations of our policies or terms.

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Modifications to the Terms

Continuous Evolution and Your Acceptance

Kiwi recognizes the dynamic nature of the financial industry and the digital world. We are continually seeking to improve and adapt our Services to better meet your needs and to comply with regulatory requirements. As part of this ongoing effort, we reserve the right to update, change, or modify these Terms of Use at any time.

Notification of Changes

Whenever we make changes to these Terms, we will post the revised version on our website along with an updated "Last Modified" date. We may also, at our discretion, notify you of significant changes via email or through a prominent notice on our Services. It is your responsibility to periodically review these Terms to stay informed of any updates.

Acceptance of Revised Terms

By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new terms, you are no longer authorized to use the Services. We understand that changes may affect your use of our Services, and we are committed to making this process as transparent and seamless as possible.

Understanding Changes

Changes to these Terms may arise for various reasons, including but not limited to, reflecting changes in our Services, user feedback, regulatory compliance, and legal obligations. We will make every effort to outline the specific reasons for changes to the Terms to keep you informed and to foster trust and transparency in our relationship.

Your Feedback

We value your feedback and input regarding our Services and these Terms. If you have suggestions or concerns about any proposed changes, we encourage you to contact us. While we cannot guarantee that we will accommodate all suggestions, we are committed to considering user feedback as part of our decision-making process.

Effective Date of Changes

Any changes to these Terms will be effective immediately upon posting for new users of our Services. Existing users will be subject to the revised Terms effective 30 days after posting, unless otherwise specified in the change notification. Your continued use of our Services after the effective date of such changes will constitute your acceptance of and agreement to such changes.

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Eligibility

Age and Legal Capacity

The services provided by Kiwi are intended solely for individuals who meet the minimum age requirement to form a binding contract with us, which may vary depending on your state of residence. By using our Services, you represent and warrant that you are at least 18 years old, or older if required by your state's laws, and that you possess the legal capacity to enter into binding contracts. It is your responsibility to ensure that you meet your state's minimum age requirement for using our Services. If you do not meet these age requirements, you must not access or use our Services.

Children Under the Age of 13

Kiwi's services are not directed to, nor do we knowingly collect personal information from, children under the age of 13. In compliance with the Children's Online Privacy Protection Act (COPPA) and other applicable laws, we do not knowingly allow children under 13 to use our Services, nor do we collect personal information from them. If we learn that we have collected personal information from a child under the age of 13 without parental consent, we will take steps to delete that information as quickly as possible.

Residency

Our Services are exclusively designed for and directed to users who are legal residents of the United States and specifically within states or territories where Kiwi is licensed and authorized to offer its services. We do not offer services to individuals residing outside of these specific areas or to anyone not residing in the United States. As such, our Services should not be accessed or used by individuals outside of the authorized states or territories within the United States or from any location outside the United States. Accessing our Services from locations where we are not authorized to operate is strictly prohibited.

User Responsibility

You are responsible for ensuring that all information you provide to us, including but not limited to your age and residency status, is accurate and current. We reserve the right to request proof of age or other identification to verify your eligibility to use our Services at any time.

Restrictions

The use of our Services may not be available to any users previously removed or banned from the Services by Kiwi Additionally, certain Services or aspects of the Services may require you to meet additional criteria set forth by Kiwi Any offer for any service made on this site is void where prohibited.

Account Responsibility

If you create an account on the Services, you are responsible for maintaining the security of your account, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. Providing false contact information of any kind may result in the termination of your account.

Acknowledgement

By using our Services, you acknowledge that you meet the eligibility criteria and will comply with these terms. If at any time you no longer meet these criteria or cannot agree to these terms, you must immediately cease using our Services.

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Account Registration and Security

Account Creation

To use certain features of our Services, you may need to register an account with Kiwi during registration, you will be asked to provide accurate and current information. Your account will be secured through SMS one-time password (OTP), which uses your mobile device and phone number as a key component in the authentication process.

SMS One-Time Password (OTP)

As a primary security measure, Kiwi requires OTP for account access. This method sends a unique code to your registered mobile device, which must be entered along with your identifiable information to access your account. It is imperative to ensure that your mobile device is secured and that the number associated with OTP is kept up-to-date.

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Device Security

Registered Mobile Device

• Responsibility: You are responsible for the security of your mobile device registered for OTP. Loss, theft, or unauthorized access to your mobile device could compromise your account security.
• Immediate Notification: Notify Kiwi immediately if your registered device is lost, stolen, or if you suspect any unauthorized use of your account.

Preferred Devices

• Management: If you have associated preferred devices to your account for easier access, you must manage these devices' security vigilantly. Do not share access to these devices with others.
• Physical Control: Maintain physical control over your registered mobile device and any preferred devices to prevent unauthorized use.

Liability for Unauthorized Access

Kiwi employs stringent security measures to safeguard your account. However, the security of your account also hinges on your vigilant management of your registered mobile device and any preferred devices. Kiwi cannot be held liable for losses or damages arising from unauthorized access to your account due to compromised device security.

By acknowledging and adhering to the outlined security measures, you play a critical role in maintaining the security of your account with Kiwi.

Information Collection and Use

At Kiwi, we are committed to safeguarding the privacy and security of the information we collect from our users. This section outlines the types of information we collect through our Services, including our website and mobile app, and how we use this information to enhance your experience, improve our services, and protect your privacy.

Types of Information Collected

• Personal Information: When you register for an account, use our Services, or interact with us in other ways, we may collect personal information that you provide, such as your name, email address, phone number, physical address, and other information as required. This information is essential for providing personalized and efficient services.
• Financial Information: To offer financial products and services, we collect financial information including but not limited to your income, credit history, and bank account details, as necessary for processing transactions, providing our services, or assessing your eligibility for certain financial products.
• Technical and Usage Data: Through the use of third-party software, we automatically collect comprehensive information related to how you use our Services, your interactions with our website and mobile app, and data related to your device. This collection includes but is not limited to your IP address, device ID, device type, browser type, and detailed activity logs such as pages viewed, links clicked, and other usage patterns. The purpose behind gathering this wide array of data is multifaceted: it allows us to offer enhanced services tailored to your needs, significantly reduces and detects fraudulent activities, helps us understand user behavior through analytics, and overall, improves the user experience across our platforms.
• Cookies and Tracking Technologies: We use cookies and similar tracking technologies to collect data about your browsing activities and preferences. This information assists us in personalizing your experience and improving the functionality of our Services. You have the option to disable cookies through your browser settings, though some features of our Services may not function properly as a result.

Use of Information

• Service Provision and Improvement: We use the collected information to operate, maintain, and provide you with the features and functionality of our Services, as well as to improve and personalize your experience.
• Communication: We may use your information to communicate with you regarding your account, our Services, updates, and promotional offers, where permitted by law.
• Security and Fraud Prevention: The information collected helps us protect our Services and our users from fraudulent activities, unauthorized access, and other security threats.
• Compliance and Legal Obligations: We may use the information to comply with applicable laws, regulations, and legal processes.

Sharing of Information

We do not sell, rent, or otherwise share your personal information with third parties for their marketing purposes without your consent. Information may be shared with third-party service providers to perform services on our behalf, under strict confidentiality agreements. We may also share information if required by law or to protect our rights and safety or the rights and safety of others.

Changes to Information Collection and Use

We reserve the right to make changes to our information collection and use practices. Any changes will be reflected in this section of our Terms of Use and, where appropriate, notified to you via email or our Services.

By using our Services, you consent to the collection and use of your information as described in this section and our Privacy Policy.

User Conduct

At Kiwi, we strive to create a secure, respectful, and user-friendly environment. The following rules of conduct apply to all users who access or use our Services, including our website and mobile app. By using our Services, you agree to comply with these guidelines and acknowledge that Kiwi reserves the right to enforce them, which may include terminating your access to our Services for violations.

Prohibited Conduct

Users of Kiwi's Services are prohibited from engaging in the following activities:

• Illegal Activities: Using the Services for any unlawful purposes or in violation of any applicable national, state, local, or international law or regulation.
• Fraudulent Behavior: Engaging in fraudulent activities, identity theft, or other deceptive practices.
• Unauthorized Access: Attempting to gain unauthorized access to any part of the Services, other users' accounts, or any related networks or systems.
• Interference and Disruption: Interfering with or disrupting the Services or servers or networks connected to the Services, including by transmitting any worms, viruses, spyware, malware, or any other destructive or harmful code.
• Invasion of Privacy: Violating the privacy of others, including publishing or sharing personally identifiable information about another person without their explicit consent.
• Harassment and Abuse: Harassing, threatening, or abusing other users in any way or form within the Services.
• Infringement of Rights: Infringing on the rights of others, including intellectual property, privacy, and publicity rights.
• Misrepresentation: Misrepresenting your identity or affiliation with any person or organization.

Your Responsibilities

You are responsible for any content you provide and your activity on our Services. Kiwi does not endorse or take responsibility for user-generated content. However, we reserve the right to review, monitor, or remove content or activity that we believe violates these Terms, at our discretion.

Reporting Violations

If you encounter any behavior or content that violates these User Conduct guidelines, please report it to us immediately. Kiwi is committed to taking appropriate actions to foster a safe and welcoming environment for all users.

Consequences of Violations

Violations of these User Conduct guidelines may result in immediate temporary suspension or permanent termination of your account and access to our Services. Kiwi reserves the right to take any legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Services.

By adhering to these User Conduct guidelines, you contribute to a positive and respectful environment for all users of Kiwi's Services. Thank you for your cooperation and commitment to these principles.

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Intellectual Property Rights

Ownership of Content

All content provided on or through the Services of Kiwi, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, software, and the compilation of any of these elements (the "Content"), is the property of Kiwi or its content suppliers and protected by United States and international copyright laws, trademark laws, and other intellectual property rights laws.

Trademarks

The Kiwi name, logos, and any other product or service name or slogan contained in our Services are trademarks of Kiwi and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Kiwi. All other trademarks, registered trademarks, product names, and company names or logos mentioned in the Services are the property of their respective owners.

License and Site Access

Kiwi grants you a limited, revocable, non-exclusive, non-transferable license to access and make personal use of the Services and the Content, subject to the terms of these Terms of Use. This license does not include any resale or commercial use of any Content; any collection and use of any product listings, descriptions, or prices; any derivative use of the Services or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools.

The Services or any portion of the Services may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Kiwi. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Kiwi without our express written consent. You may not use any meta tags or any other "hidden text" utilizing Kiwi's name or trademarks without the express written consent of Kiwi.

User-Generated Content

You may have the opportunity to create, post, or share content, such as comments, reviews, or other material ("User-Generated Content") on or through the Services. You retain all rights in, and are solely responsible for, the User-Generated Content you post to the Services. However, by submitting User-Generated Content to Kiwi, you hereby grant Kiwi a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User-Generated Content throughout the world in any media.

Copyright Complaints

Kiwi respects the intellectual property rights of others and expects users of the Services to do the same. We will respond to notices of alleged copyright infringement that comply with applicable law and are properly provided to us.

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide us with specific information as outlined in our Copyright Infringement Policy.

Changes to Intellectual Property Rights Section

Kiwi reserves the right to make changes to this Intellectual Property Rights section at any time. Your continued use of the Services following any such change constitutes your acceptance of those changes.

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Links to Third-Party Websites and Use of Third-Party SDKs

External Links and Services

Kiwi's Services may contain links to third-party websites, services, and advertisements, as well as incorporate third-party Software Development Kits (SDKs), that are not owned or controlled by Kiwi These elements are provided to enhance your experience, offer extended functionalities, and facilitate certain features within our Services.

No Control Over Third-Party Sites and SDKs

While third-party SDKs are integrated into our Services to add valuable features and functionalities, Kiwi does not have direct control over the information these third parties may collect or how they use it. Similarly, we have no control over the content, privacy policies, or practices of any third-party websites linked from our Services.

User Discretion Advised

We encourage you to be aware of the third-party SDKs used in our Services and to read the privacy policies of any third-party website you visit through links provided by our Services. The inclusion of third-party links and SDKs does not imply endorsement by Kiwi of the site, the SDK, or any information contained therein. When you use a link to go from our Services to a third-party site or interact with a service that utilizes a third-party SDK, our Privacy Policy is no longer in effect.

Third-Party Transactions

Interactions with third-party services, whether through SDKs within our app or through links to third-party websites, are conducted at your own risk. Kiwi is not a party to transactions or agreements facilitated by third-party SDKs or websites and disclaims all liability related to them.

Changes and Feedback

Third-party services, whether websites linked to or from our Services or SDKs integrated into our app, may evolve. Kiwi reserves the right to modify or discontinue links or SDK integrations at any time without notice. Your feedback regarding third-party services and SDKs is welcome, though we make no commitment to act on such feedback in any predetermined way.

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Disclaimer of Warranties

AS-IS BASIS

Kiwi provides its services "as is" and without any kind of warranty. You agree that your use of our services is at your sole risk. To the fullest extent permitted by law, Kiwi, its officers, directors, employees, and agents disclaim all warranties, express or implied, in connection with the services and your use thereof. Kiwi makes no warranties or representations about the accuracy or completeness of the content provided through the services or the content of any sites linked to our services and assumes no liability or responsibility for any:

• Errors, mistakes, or inaccuracies of content.
• Personal injury or property damage, of any nature whatsoever, resulting from your access to and use of our services.
• Unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein.
• Interruption or cessation of transmission to or from our services.
• Bugs, viruses, trojan horses, or the like which may be transmitted to or through our services by any third party.
• Errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the services.
• The defamatory, offensive, or illegal conduct of any third party.

Kiwi does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Kiwi services or any hyperlinked services or featured in any banner or other advertising, and Kiwi will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM KIWI FINANCIAL INC. OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.

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Limitation of Liability

Scope of Liability

IN NO EVENT SHALL KIWI FINANCIAL INC., ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, INTERNS, SUPPLIERS, SERVICE PROVIDERS, OR LICENSORS BE LIABLE FOR ANY INJURY, LOSS, CLAIM, OR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOSS OF DATA, REPLACEMENT COSTS, OR ANY SIMILAR DAMAGES, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, ARISING FROM YOUR USE OF ANY OF THE SERVICE OR ANY PRODUCTS PROCURED USING THE SERVICE, OR FOR ANY OTHER CLAIM RELATED IN ANY WAY TO YOUR USE OF THE SERVICE OR ANY PRODUCT, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN ANY CONTENT, OR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SERVICE OR ANY CONTENT (OR PRODUCT) POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICE, EVEN IF ADVISED OF THEIR POSSIBILITY. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Application

This limitation of liability applies to the fullest extent permitted by law in the applicable jurisdiction. The limitations of liability set forth above are fundamental elements of the basis of the agreement between Kiwi and you.

Third-Party Products and Services

Kiwi shall not be liable for any damages resulting from any services provided by third-party vendors or for any information provided by third parties, even if Kiwi has been advised of the possibility of such damages.

User Acknowledgment

You acknowledge and agree that Kiwi has made the services available to you and entered into these Terms in reliance upon the warranty disclaimers and limitations of liability set forth herein, that they reflect a reasonable and fair allocation of risk between you and Kiwi, and that the warranty disclaimers and limitations of liability set forth herein form an essential basis of the bargain between you and Kiwi.

Your Responsibility

It is your responsibility to ensure that your use of the Kiwi services complies with all applicable laws and regulations, and you assume all risks associated with your use of the services, including risks to your computer, software, or data.

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Indemnification

User Agreement to Indemnify

You agree to indemnify, defend, and hold harmless Kiwi, its parents, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms of Use, or your violation of any law or the rights of a third-party.

Scope of Indemnification

This indemnification obligation will survive the termination of these Terms of Use and your use of the Services. It extends to issues arising out of your use of the Services, any user content you post, submit, transmit, or make available through the Services, your violation of these Terms, or your violation of any rights of another.

Defense and Cooperation

In the event of a claim that is subject to indemnification under this section, Kiwi may, at its discretion, assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You shall cooperate as fully as reasonably required in the defense of any claim. You agree not to settle any matter without the prior written consent of Kiwi.

Notice of Claim

Kiwi will provide you with prompt notice of any such claim, suit, or proceeding for which indemnification is sought. However, the failure to provide such notice will not relieve you of your indemnification obligations, except to the extent that you are actually prejudiced by such failure.

Limitations

This indemnification covers liability and expenses arising from claims or damages due to your negligence, fraud, violation of the Terms, or infringement of intellectual property or other rights.

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Governing Law and Jurisdiction

Governing Law

These Terms of Use and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the Commonwealth of Puerto Rico, without giving effect to any principles of conflicts of law.

Jurisdiction

You agree that any action at law or in equity arising out of or relating to these Terms or the use of our Services shall be filed only in the courts located in the Commonwealth of Puerto Rico, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action, or proceeding arising out of these Terms.

Dispute Resolution

Before initiating any formal legal action, we strongly encourage you to contact us directly to seek a resolution. Kiwi is open to considering reasonable requests to resolve disputes through alternative dispute resolution procedures, such as mediation or arbitration, as preferable alternatives to litigation.

International Use

While Kiwi operates under the laws of Puerto Rico, we recognize that our Services may be accessed from locations outside Puerto Rico. Users accessing the Services from other jurisdictions do so of their own initiative and are responsible for compliance with local laws, to the extent local laws are applicable.

Limitation on Claims

Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Services or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. This one-year period shall begin on the date when the claim or cause of action first could be filed.

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Arbitration

Jury Trial Waiver and Arbitration Agreement

Background and Scope

What is Arbitration?

Arbitration is an alternative to court where a third party ("TPA") resolves disputes in a hearing. By agreeing to this clause, you and related third parties waive the right to go to court and the right to a jury trial.

Is it Different from Court and Jury Trials?

Yes, the arbitration hearing is private and less formal than court. TPAs may limit pre-hearing fact finding ("discovery"). The decision is final and courts rarely overturn TPA decisions.

Who Does the Clause Cover?

This clause governs all parties involved, including their heirs, successors, assigns, and any third parties related to any dispute.

Which Disputes are Covered?

All disputes are covered. This includes any claims related to your application, agreements with us, past agreements, collections, privacy, customer information, validity, and scope of this clause, and whether to arbitrate.

Are You Waiving Rights?

Yes, by agreeing to this clause, you waive your rights to:

1. Have juries resolve disputes.
2. Have courts, other than small-claims courts, resolve disputes.
3. Serve as a private attorney general or in a representative capacity.
4. Be part of a class action.

Are You Waiving Class Action Rights?

Yes, class actions are not allowed. You waive the right to participate in a class action, either as a representative or member. Only individual arbitration or small-claims courts will resolve disputes.

What Law Applies?

The Federal Arbitration Act (FAA) governs this clause. If a court finds the FAA doesn’t apply and the finding can’t be appealed, then your state’s law governs. The TPA must apply substantive law consistent with the FAA, including statutes of limitation and privilege claims.

Can the Parties Try to Solve Disputes First?

Yes, disputes can be addressed by contacting us at 787-490-2004. If unresolved, you must mail us a written notice within 100 days of the dispute ("Dispute Notice"). We will attempt to resolve the dispute and provide a written offer ("Offer"). If unresolved, either party may start arbitration.

How Should You Contact Us?

Send mail to: General Counsel at Kiwi Financial Inc. 151 Calle de San Francisco Ste 200 PMB 1123 San Juan PR 00901-1607. You can confirm receipt via certified mail.

Can Small-Claims Court Solve Some Disputes?

Yes, disputes can be resolved in small-claims court if it has the power to hear the dispute. Otherwise, arbitration will handle all disputes that small-claims court cannot hear.

Do Other Options Exist?

Yes, both parties may use lawful self-help remedies and seek equitable individual relief in furtherance of the agreement to arbitrate.

Will This Clause Continue to Govern?

Yes, unless otherwise agreed. The clause remains effective through any amendments, terminations, or transactions, including bankruptcy.

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Process

How Does Arbitration Start?

Either party may mail a request to arbitrate. The notice should describe the dispute and relief sought. The receiving party must respond within 20 days, choosing an arbitration group or proposing a local TPA.

Who Arbitrates?

Arbitration will be conducted by the American Arbitration Association (AAA), JAMS, or another mutually agreed upon local TPA.

Will the Hearing Be Held Nearby?

Yes, the TPA will order the hearing within 30 miles of your home or the transaction location.

What About Appeals?

Appeals are limited. The TPA’s decision is final, but a party may appeal under the FAA. For disputes over $10,000, an appeal will be to a three-TPA panel from AAA or JAMS.

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Arbitration Fees and Awards

Will We Advance Some Arbitration Fees?

Yes, if you meet our requirements, but you pay your costs. We will advance some arbitration fees if you request in writing and meet specific conditions.

Are Damages and Attorney Fees Possible?

Yes, the TPA may award damages and attorney fees as allowed by law.

Will You Pay Arbitration Fees If You Win?

No, if the TPA awards you more than our Settlement Offer, you do not reimburse us for the arbitration fees.

Will You Ever Pay Arbitration Fees?

Yes, if the TPA doesn’t award you more than our Settlement Offer, you must repay the arbitration fees, but the amount won’t exceed state court costs.

What Happens If You Win?

If the TPA’s award exceeds our last Settlement Offer, we will pay the award plus an additional 10% bonus and any reasonable attorney and expert witness fees.

Can an Award Be Explained?

Yes, a party may request a detailed explanation from the TPA within 14 days of the ruling.

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Other Options

If You Don’t Want to Arbitrate, Can You Still Get a Transaction?

Yes, you can still receive our services without agreeing to arbitration by opting out within 60 days of signing your agreement.

Can You Opt-Out of the Clause?

Yes, you can opt-out within 60 calendar days by writing to us with your details and stating that you “opt out.” Opting out applies only to that specific agreement.

By using our website, you acknowledge that you have read and agree to the terms of this arbitration clause.

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Changes to the Website

Dynamic Nature of Our Services

Kiwi is committed to constantly improving and evolving our online services to better meet the needs of our users. As part of this commitment, we reserve the right to update, modify, or discontinue any aspect of our website, mobile app, or services at any time, without prior notice. This includes changes to features, functionalities, content, and access provisions of our website and mobile app.

User Notification

While we aim to provide timely and advance notice of significant changes that may impact your use of our services, such notice is not always possible or guaranteed. We encourage users to regularly review our website and mobile app for any updates or changes. Continued use of our services after any changes have been made will constitute your acknowledgment and acceptance of those changes.

Content Updates

The content on our website and mobile app is subject to change without notice. We strive to keep information accurate and up-to-date, but we cannot guarantee the completeness, accuracy, or availability of content at all times.

Feature Modifications and Discontinuation

Kiwi may introduce new features, modify existing ones, or discontinue certain services based on user feedback, regulatory changes, or strategic decisions. We will endeavor to inform you of changes that may significantly affect your use of our services, but such notice may not always be provided.

User Feedback

We value user feedback on our services and welcome suggestions for improvements or new features. However, please note that decisions regarding changes to our website and services are made at Kiwi's discretion based on various factors, including but not limited to user feedback, market trends, and regulatory requirements.

Your Responsibility

It is your responsibility to stay informed about any changes to our services by regularly visiting our website or using our mobile app. Your continued use of Kiwi's services after any changes have been implemented constitutes your agreement to those changes and your acceptance of the revised terms of service.

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Complete Agreement

Entire Understanding

These Terms of Use, together with any amendments and any additional agreements you may enter into with Kiwi in connection with the Services, shall constitute the entire agreement between you and Kiwi regarding the Services. These Terms supersede all prior and contemporaneous agreements, representations, and understandings between you and Kiwi, whether established in writing or orally, regarding the Services.

Precedence

In the event of any conflict between these Terms of Use and any other agreement you may have with Kiwi for products, services, or otherwise, these Terms of Use will prevail unless the other agreement expressly states that it supersedes these Terms of Use in specific aspects.

Modifications

Kiwi reserves the right, at its sole discretion, to modify or replace these Terms of Use at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms.

Acknowledgment

By using the Services provided by Kiwi, you acknowledge that you have read these Terms of Use, understand them, and agree to be bound by their terms and conditions. You also acknowledge that these Terms of Use and any policies or operating rules posted by Kiwi regarding the Services constitute the complete and exclusive statement of the agreement between you and Kiwi and supersede any proposal or prior agreement, oral or written, and any other communications between you and Kiwi relating to the subject matter of these Terms.

Consent to Electronic Transactions and Disclosures

At Kiwi, we operate digitally, emphasizing efficiency, accessibility, and environmental sustainability. As part of our digital-first approach, we provide information, conduct transactions, and communicate with you electronically. This section outlines your consent to engage in electronic transactions and to receive electronic disclosures and communications as part of your use of our Services.

Your Consent

By using Kiwi's Services, you hereby consent to enter into transactions electronically and to receive electronically all disclosures, communications, notices, contracts, and agreements arising from or relating in any way to your use of Kiwi’s Services, including but not limited to agreements related to any lending products, notices of modifications to these Terms of Use, privacy notices, and all customer service communications.

Scope of Consent

This consent applies to any interactions you have with Kiwi during the course of your relationship with us, including but not limited to:

• Signing up for new services or products.
• Receiving notices about your account, including transaction confirmations, statements, and other financial information.
• Receiving changes to terms and conditions or policies.
• Interacting with our customer service and other teams.

Electronic Delivery of Communications

All communications that we provide to you electronically will be provided either via email, by access to a website designated in an email notice to you, through our mobile application, or by posting on our website.

Hardware and Software Requirements

In order to access and retain electronic disclosures and communications, you will need:

• A device with internet connectivity.
• A current web browser that includes 128-bit encryption.
• A valid email address.
• Sufficient storage space to save past communications or an installed printer to print them.

Withdrawing Consent

You may withdraw your consent to receive electronic communications at any time by contacting us at support@kiwicredito.com or 787-490-2004. However, withdrawing your consent may result in the termination of your access to our Services.

Changes to Your Contact Information

It is your responsibility to keep your email address up to date so that Kiwi can communicate with you electronically. If you need to update your email address or other contact information, please do so by accessing your account settings or contacting customer support.

Acknowledgment

By agreeing to these Terms of Use, you acknowledge that you have read and understand this consent to electronic transactions and disclosures and agree to conduct transactions and receive disclosures and communications from Kiwi electronically.

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Site Security

Enhancing Security

At Kiwi, we provide a secure, password-less experience for our users, utilizing SMS-based two-factor authentication (2FA) for both account creation and login processes. This method ensures that access to your account is both user-friendly and secure, protecting your personal and financial information from unauthorized access.

User Responsibilities

• Device Security: As we facilitate sessions on preferred devices for ease of access, you are responsible for the security of the devices you use to access our services. This includes implementing appropriate physical and digital security measures, such as device lock screens, not sharing your device with others, and keeping your device software up to date to protect against security vulnerabilities.
• SMS 2FA: Given the reliance on SMS for 2FA, it is critical that you maintain the security of your phone and promptly inform us of any changes to your phone number to ensure uninterrupted and secure access to your account. Kiwi cannot be responsible for access issues or security breaches resulting from outdated or compromised phone information.
• Notification of Device or Number Change: If you lose access to your device or change your phone number associated with your account, you must inform Kiwi immediately to prevent unauthorized access to your account. Contact us at support@kiwicredito.com or 787-490-2004 to update your account details.

Prohibited Security Actions

Users are prohibited from engaging in actions that could compromise the security of our services, including attempting unauthorized access to other accounts, probing the security of our networks or systems, or introducing malicious software.

Reporting Security Issues

We encourage responsible reporting of any security vulnerabilities or concerns. Should you identify a potential security issue, please reach out to us directly at support@kiwicredito.com or 787-490-2004. Your proactive approach helps us maintain the highest level of security for all users.

Adapting to Evolving Security Needs

Kiwi continually evaluates and updates our security measures to adapt to evolving threats and technologies. Your continued use of our services constitutes your agreement to any changes in our security protocols.

Limitation of Liability

While we strive to ensure the highest level of security, Kiwi cannot guarantee that unauthorized third parties will never be able to defeat our security measures. You acknowledge that you provide your personal information at your own risk.

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Submissions, Reviews, Feedback, and Other Postings to the Site

User Contributions

Kiwi welcomes and encourages users to submit feedback, reviews, comments, and other content ("Submissions") to our site and mobile app. These Submissions may be made directly on public areas of the site, within designated forums, through feedback forms, or via email. By making a Submission, you agree to comply with the following terms:

• Accuracy and Legality: You represent that your Submissions are accurate, lawful, and do not violate the rights of any third party, including copyright, trademark, privacy, or other personal or proprietary rights. You also affirm that your Submissions do not contain libelous, defamatory, obscene, abusive, or otherwise objectionable material.
• Non-Confidentiality: Unless we explicitly state otherwise, all Submissions to Kiwi will be considered non-confidential and non-proprietary. By providing a Submission, you grant Kiwi a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.
• Use of Submissions: Kiwi may use the content of your Submissions for any purpose, including, but not limited to, improving our services, developing new products, marketing, promotion, and providing user support.

Guidelines for Reviews and Feedback

• Constructive and Honest: We value your honesty and ask that your reviews and feedback be constructive and truthful. We welcome all levels of feedback, positive or negative, provided it is respectful and aimed at helping us improve our services.
• Respect and Courtesy: Interaction with other users and Kiwi staff should be conducted with respect and courtesy. Harassment, abusive language, or derogatory remarks are not acceptable.
  

Removal of Content

Kiwi reserves the right, but is not obligated, to monitor, edit, or remove content that we determine, in our sole discretion, violates these guidelines, our Terms of Use, or is otherwise harmful or objectionable. This includes Submissions that may infringe on the intellectual property rights of others, contain malware, or disrupt the user experience.

Your Responsibility

You are solely responsible for the content of your Submissions. Kiwi disclaims any responsibility and assumes no liability for any content posted by you or any third party.

Intellectual Property Rights

By posting Submissions, you agree to respect the intellectual property rights of others, and you warrant that you have the right to grant the license stated above.

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Privacy

Introduction to Our Privacy Practices

At Kiwi, your privacy is of paramount importance to us. We are committed to protecting the personal information you entrust to us while using our services. Our practices surrounding the collection, use, and sharing of your information are detailed in our Privacy Policy.

Reference to the Privacy Policy

For comprehensive information about our privacy practices, including how we handle your personal data, the measures we take to protect your privacy, and your rights regarding your information, please refer to our Privacy Policy. This policy is designed to help you understand our data practices and your choices concerning your information.

Accessing the Privacy Policy

The Privacy Policy is available as a separate document accessible through our website. You can view and read the Privacy Policy here.

Consent

By using Kiwi's services, you acknowledge that you have read and understood our Privacy Policy and agree to the terms outlined therein.

Contact for Privacy Inquiries

Should you have any questions or concerns about our Privacy Policy or your personal information, please do not hesitate to contact us at support@kiwicredito.com or 787-490-2004.

Advertising

Kiwi utilizes various forms of advertising to promote our services and provide users with relevant offers. This section outlines our approach to advertising on our platforms, including the use of third-party advertising and the measures we take to ensure transparency and user choice.

Cookies and Tracking Technologies

To enhance the effectiveness of our advertising campaigns, we or our advertising partners may use cookies, pixels, or other tracking technologies to collect information about your activities on our site and other sites. This information is used to provide targeted advertising based on your interests.

User Choice and Opt-Out

We believe in providing you with choices about the collection and use of your information for advertising purposes. You can opt-out of receiving targeted ads from certain advertisers and ad networks. To learn more about targeted advertising and how you can opt-out, please visit the Network Advertising Initiative (NAI) and the Digital Advertising Alliance (DAA).

Changes to Advertising Practices

Kiwi reserves the right to modify our advertising practices at any time. Any changes will be reflected in this section of the Terms of Use.

Third Party Sites/Links

Kiwi services may include links to external, third-party websites not owned, operated, or controlled by us. These links are provided for your convenience to offer additional information and resources. This section clarifies our position and policies regarding these third-party sites and links.

‍Disclaimer of Endorsement

The inclusion of any third-party link does not imply endorsement, approval, or recommendation by Kiwi of the content, policies, or practices of the respective external sites. The third-party links provided on our platform are for informational purposes only.

No Control Over Content

Kiwi has no control over the content, privacy policies, or practices of any third-party websites or services. We do not guarantee the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages, or other materials available on such sites.

User Responsibility

Your interaction with any third-party website accessed through a link on Kiwi's platforms is solely at your own risk. When you leave our website, our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from Kiwi's services.

Liability

Kiwi shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party sites or services.

Changes to Third-Party Links

Kiwi reserves the right to add, modify, or remove any third-party links at any time without notice, based on our evaluation and discretion.

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Copyright and Trademark Information

Trademark Notice

Kiwi's name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Kiwi or its affiliates or licensors. These marks cannot be used without the prior written permission of Kiwi, especially not in any manner that disparages or discredits Kiwi, or in connection with any product or service that is not affiliated with Kiwi, in a manner likely to cause confusion among customers.

Use of Material on Our Services

The material displayed on Kiwi's website, mobile app, and other digital platforms, including all information, data, text, software, music, sound, photographs, graphics, video, messages, or other materials, is for your personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products, or services obtained from Kiwi's services without our express written consent.

Protection of Service Material

While Kiwi does not claim copyright in the content that it owns and publishes, the material provided across our services is protected under other intellectual property laws and agreements. Users are granted a limited, revocable, and nonexclusive right to create a hyperlink to the homepage of Kiwi so long as the link does not portray Kiwi, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive manner.

Reporting Intellectual Property Infringement

Kiwi respects the intellectual property rights of others. If you believe that your intellectual property rights are being infringed upon by material on our services, please contact us for investigation and appropriate action.

Access to Your Information and Choices

At Kiwi, we understand the importance of transparency and control when it comes to your personal information. This section details your rights to access, review, modify, and make choices about the personal information you've provided to us.

Accessing and Updating Your Information

You have the right to access the personal information we hold about you and to request that we update, correct, or delete it. If you have created an account with Kiwi, you can access and update your information directly through your account settings. If you need assistance or wish to delete your account, please contact our support team at support@kiwicredito.com or 787-490-2004.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. Here are the mechanisms we provide for controlling your information:

• Marketing Communications: If you no longer wish to receive marketing emails from us, you can opt-out by using the unsubscribe link located at the bottom of our marketing emails. Please note that even if you opt-out of receiving marketing communications, we may still send you non-marketing emails, such as those about your account or our ongoing business relations.
• Cookies and Tracking Technologies: You have the option to adjust your browser settings to refuse all or some browser cookies or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of our Services may become inaccessible or not function properly.

Data Portability

Upon request, and where technically feasible, Kiwi will provide you with a copy of your personal data in a structured, commonly used, and machine-readable format. You have the right to transmit this data to another controller without hindrance from us.

Withdrawing Consent

Where you have provided your consent to the collection, processing, and transfer of your personal data for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact us at support@kiwicredito.com or 787-490-2004. O

Privacy Policy

For more detailed information about how we collect, use, and share your information, please review our Privacy Policy.

Sweepstakes, Contests, and Promotions

Kiwi may conduct sweepstakes, contests, and various promotional activities (collectively referred to as "Promotions") through our Services. These Promotions are designed to engage our users and offer valuable rewards or benefits. Participation in these Promotions is subject to these Terms of Use, along with any specific rules that are associated with each Promotion.

Additional Terms and Conditions

Each Promotion may have its own specific terms and conditions, which will be made available to you at the time of the Promotion. These terms may include eligibility requirements, instructions for entry, information on prizes or rewards, and how winners will be selected and notified. By participating in any Promotion, you agree to be bound by the relevant terms and conditions applicable to that Promotion.

Reference to Specific Promotions Policy

For detailed terms and conditions related to specific Promotional activities, such as our Sweepstakes Roulette, please refer to our dedicated policy page. Note that this policy page may not cover all Promotions offered by Kiwi, and where specific terms are not provided on this page, the general terms included with each Promotion will apply.

Eligibility

Participation in Promotions is open only to individuals who meet the eligibility criteria specified in the terms and conditions of each Promotion. Kiwi reserves the right to verify eligibility of any participant.

No Purchase Necessary

Unless otherwise stated in the specific terms and conditions of a Promotion, no purchase or payment is necessary to enter or win. A purchase or payment will not increase your chances of winning.

Void Where Prohibited

All Promotions are subject to federal, state, and local laws and regulations and are void where prohibited by law.

Modification, Suspension, and Termination

Kiwi reserves the right, in its sole discretion, to modify, suspend, or terminate any Promotion at any time without prior notice, for any reason, including if fraud, technical failures, or any other factor beyond Kiwi's reasonable control impairs the integrity or proper functioning of the Promotion.

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Additional Terms

Service-Specific Terms

Certain features, services, or sections of Kiwi's platform may require you to agree to additional terms and conditions. These "Additional Terms" are specific to the particular service or feature and exist in conjunction with these main Terms of Use. By accessing or using those services or features, you agree to comply with any Additional Terms applicable to them.

Incorporation by Reference

These Additional Terms are part of your agreement with Kiwi and are incorporated by reference into these Terms of Use. In the event of a conflict between the main Terms of Use and any Additional Terms, the Additional Terms will prevail with respect to your use of that specific service or feature.

Examples of Additional Terms

Examples of services or features that may require Additional Terms include, but are not limited to:

• Subscription services
• Competitions and promotions
• Specialized financial products or services
• Customized user experiences

Updates to Additional Terms

Kiwi reserves the right to modify or update any Additional Terms at any time, just as we may with these main Terms of Use. We will provide notice of such changes as described in the Modifications to the Terms section. Your continued use of the services or features governed by Additional Terms after such changes will constitute your acceptance of the updated Additional Terms.

Access to Additional Terms

When Additional Terms apply to a service or feature, they will be made available for you to read either within that service or feature or through a direct link provided for that purpose. We encourage you to review any Additional Terms carefully before using the services or features to which they apply.

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Digital Millennium Copyright Act (DMCA) Notice

DMCA Compliance

Kiwi respects the intellectual property rights of others and adheres to the Digital Millennium Copyright Act (DMCA) within the framework of Puerto Rico law. We are committed to responding to claims of copyright infringement in a timely and responsible manner.

Notice of Alleged Infringement

If you believe that your copyrighted work has been reproduced on our services in a way that constitutes copyright infringement, please inform us by contacting our support team with a detailed notice that includes:

1. Your physical or electronic signature, or that of a person authorized to act on your behalf.
2. A description of the copyrighted work you claim has been infringed.
3. A description of where the material you claim is infringing is located on our services, with sufficient detail to allow us to locate it.
4. Your contact information, including your address, telephone number, and email address.
5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
6. A statement by you, made under penalty of perjury, that the information in your notification is accurate and that you are the copyright owner or authorized to act on their behalf.

Contact Information for Notices

Please direct your copyright infringement notifications to:

• Email: support@kiwicredito.com
• Phone: 787-490-2004

Process Following Notice Receipt

Upon receipt of a valid DMCA notice, Kiwi will promptly investigate the complaint and take appropriate actions, which may include removing or disabling access to the allegedly infringing material.

Counter-Notice

If you believe that your material has been removed by mistake or misidentification, you may send us a counter-notice. Please include:

1. Your physical or electronic signature.
2. A description of the material that was removed and where it was located before removal.
3. A statement under penalty of perjury that you believe the material was removed by mistake or misidentification.
4. Your contact information, including your address, telephone number, and email address, and a statement that you consent to the jurisdiction of the federal court in Puerto Rico and that you will accept service from the person who provided the original DMCA notice.

Repeat Infringement Policy

Consistent with the DMCA and other applicable laws, Kiwi maintains a policy of terminating, in appropriate circumstances and at Kiwi's sole discretion, users who are deemed to be repeat infringers.

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Reasonable Accommodation

Commitment to Accessibility

Kiwi is committed to ensuring that our services are accessible to everyone, including individuals with disabilities. We believe in inclusivity, diversity, and the importance of providing all our users with equal access to our financial products and services. As part of this commitment, we provide reasonable accommodations to individuals with disabilities who need assistance accessing our services.

Requesting Accommodations

If you have a disability and require a reasonable accommodation to access our services, please contact us with your request. We are prepared to work with you to identify possible solutions that accommodate your needs.

To request an accommodation, please contact us at:

• Email: support@kiwicredito.com
• Phone: 787-490-2004

Please provide specific details about your requested accommodation and how we can assist you. Our team will review your request and contact you to discuss potential accommodations and next steps.

Feedback

We continually strive to improve the accessibility of our services. If you have suggestions or feedback regarding accessibility or accommodations, we welcome your input. Your feedback is invaluable in helping us enhance our service offerings and ensure that they are as accessible and user-friendly as possible.

Ongoing Efforts

Kiwi is committed to ongoing efforts to enhance accessibility and inclusivity. We regularly review our services, including our website and mobile app, to identify areas where we can improve and to implement best practices in accessibility.

Legal Compliance

Kiwi endeavors to comply with all applicable laws and regulations regarding accessibility and nondiscrimination. We recognize the importance of complying with the Americans with Disabilities Act (ADA) and other relevant legislation and will make reasonable efforts to meet our legal obligations and uphold the principles of equity and inclusion.

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Miscellaneous

Severability

If any provision of these Terms of Use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. The remaining terms shall continue in full force and effect.

Waiver

No waiver by Kiwi of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Kiwi to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms of Use, by operation of law or otherwise, without Kiwi's prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null and of no effect. Kiwi may assign or transfer these Terms, at its sole discretion, without restriction.

Headings

The headings in these Terms of Use are for reference only and do not affect the interpretation of these Terms.

Entire Agreement

These Terms of Use, together with any policies and agreements referenced herein, constitute the entire agreement between you and Kiwi regarding the use of the Services and supersede all prior understandings, agreements, representations, and warranties, both written and oral, regarding such subject matter.

Notices

Notices to you may be made via either email or regular mail. Kiwi may also provide notices of changes to the Terms or other matters by displaying notices or links to notices to you generally on the Services.

Governing Law and Jurisdiction

These Terms of Use and your use of the Services shall be governed by and construed in accordance with the laws of the Commonwealth of Puerto Rico, without giving effect to any choice or conflict of law provision or rule.

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Contact Us

We’re Here to Help

Your experience with Kiwi is important to us. Whether you have a question about your account, need assistance navigating our services, or have feedback to share, we're here to listen and help.

Reach Out Anytime

For support or inquiries, please feel free to contact us at:

• Email: support@kiwicredito.com
• Phone: 787-490-2004

Feedback and Inquiries

We welcome your feedback and inquiries. They are vital for us to improve our services and better serve your needs. If you have suggestions, concerns, or any issues you’d like to bring to our attention, please do not hesitate to reach out.

Stay Connected

For the latest updates and information, visit our website or follow us on our social media channels.

Postal Address

If you prefer to contact us by mail, please send your correspondence to:

Mailing Address: 151 Calle de San Francisco Ste 200 PMB 1123 San Juan, PR 00901-1607

We Value Your Privacy

Please note that when you contact us, we may keep a record of your communication to help solve any issues you might be facing. Rest assured, all your information will be treated with respect and confidentiality.