PRIVACY POLICY

(Last updated May 27, 2020)

Kiwi Financial, LLC (“Company,” “we,” “us,” or “our”) respect your privacy and are committed to protecting your personally identifiable information through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit either our website and/or our mobile app (together the “Online Platforms”), or in applying for or receiving any of our products and services, and our practices for collecting, using, maintaining, protecting, and disclosing that information.

 

This policy applies to information we collect:

 

  • On our Online Platforms

  • In email, text, and other electronic messages between you and the Company

  • When you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this policy.

 

It does not apply to information collected by:

 

  • Any third non-affiliated parties, including through any application or content that may link to or be accessible from or on the Website.

 

Please read this policy carefully to understand our policies and practices regarding your personally identifiable information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Online Platforms. By accessing or using our Online Platforms, you agree to our collection, use, and sharing of your personally identifiable information in accordance with this privacy policy. This policy may change from time to time (see section Changes to Our Privacy Policy). Your continued use of our Online Platforms after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Individuals Under the Age of 21

 

Our Website is not intended for persons under 21 years of age within the Commonwealth of Puerto Rico, which are considered minors and are not of legal age unless duly emancipated. No one under age 21 may provide any personal information on our Online Platforms. We do not knowingly collect personal information from persons under the age of 21. If you are under 21, do not use or provide any information on our Online platforms, neither register, apply to our products, use any of the interactive features, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use in our Online Platforms. If we learn we have collected or received personal information from an individual under 21 without verification of legal emancipation, we will delete that information. If you believe we might have any information from or about an individual under 21, please contact us at support@kiwicredito.com.

 

Information We Collect About You and How We Collect It

 

We collect several types of information from and about users of our Online Platforms and customers of our Services, including information:

 

  • By which you may be personally identified, which is information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a specific consumer. This information may include: first and last name, physical and postal addresses, e-mail address, phone number, Social Security, date of birth, employment information, bank account information, bank account transaction history, bank account statements, employer pay stubs, phone bills, and utility data, income sources information, credit score or any other personally identifiable information by which you may be contacted online or offline ("PII");

  • That is about you but individually does not identify you; and/or

  • About your internet connection, the equipment you use to access our Online Platforms, and usage details.

 

We collect this information:

 

  • Directly from you when you provide it to us.

  • Automatically as you make use of our Online Platforms. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.

  • From third parties, for example, our business partners.

 

Information You Provide to Us 

 

The information we collect on or through our Online Platforms, as provided by you, may include:

 

  • Information that you provide by filling in forms on our Online Platforms. This includes information provided at the time of registering to use our Online Platforms, when you apply to one of our products or when you request any other services that we offer or through general inquiries about our products, which we will use to contact you. We may also ask and collect your PII to verify your identity, for security and administrative related purposes or when you report a problem with our Online Platforms.

  • Records and copies of your correspondence (including email addresses) and interactions with us. If you contact us via mail, phone, or e-mail and provide us with information about yourself, we will maintain records of your correspondence and interactions. This may include any questions, comments, or suggestions you make during these interactions.

  • Your responses to surveys that we might ask you to complete for research purposes.

  • Details of transactions you carry out through our Online Platforms and of the fulfillment of our agreements with you.

 

Information We Collect Through Automatic Data Collection Technologies 

 

As you navigate through and interact with our Online Platforms, we may use automatic data collection technologies to collect certain information about your web access, devices, equipment, browsing actions, and patterns, including:

 

  • Details of your use of our Online Platforms, including usage information, traffic data, location data, logs, and other communication data and the resources that you access and use on our Online Platforms.

  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

  • Information on the devices and equipment such as hardware model, and on mobile devices we may also collect the unique device identifier assigned to that device, operating system, and other device attributes for security purposes.

 

The information we collect automatically is only statistical data and does not include PII, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Online Platforms and to deliver better and more personalized service, including by enabling us to estimate our audience size and usage patterns, store information about your preferences, allowing us to customize our Online Platforms according to your individual interests or speed up your searches.

 

The technologies we use for this automatic data collection may include:

 

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Online Platforms. For example, you cannot create an account with us or take out a loan or other product without accepting cookies. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Online Platforms.

  • Flash Cookies. Certain features of our Online Platforms may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Online Platforms. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see section Choices About How We Use and Disclose Your Information.

  • Web Beacons. Parts of our the Online Platforms, and our e-mails, may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

 

The information we collect automatically does not include PII, but we may maintain it or associate

it with PII we collect in other ways or receive from third parties.

 

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

Third-Party Use of Cookies and Data Collection

 

Some content or applications, including advertisements, on the Online Platforms, are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our website or mobile app. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

 

We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt-out of receiving targeted advertising from many providers, see section Choices About How We Use and Disclose Your Information.

 

In order to provide our products and services to you, we may on occasion supplement the PII you submit to us with information from third-party sources, such as information from consumer reports and credit information.

 

Account and Transaction Information

 

We collect information about your use of our products and services. For example, in processing a payment with you. Other information that we collect during your use of our products and services includes your transaction history, payment history, and account balance. For the security of your information, we also collect tokens from online services and payment systems to help us process your account transactions.

How We Use Your Information

 

We use information that we collect about you or that you provide to us, including any personal information:

 

  • To present our Online Platforms and its contents to you.

  • To provide you with information, products, or services that you request from us.

  • To fulfill any other purpose for which you provide it.

  • To provide you with notices about your accounts, including, but not limited to status of application and repayment term details and notices.

  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

  • To notify you about changes to our Online Platforms or any products or services we offer or provide though it.

  • To allow you to participate in interactive features on our Online Platforms.

  • In any other way, we may describe when you provide the information.

  • For any other purpose with your consent.

 

We may also use your information to contact you about our products and services that may be of interest to you. If you do not want us to use your information in this way, please email us at support@kiwicredito.com. For more information, see section Choices About How We Use and Disclose Your Information.

 

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Disclosure of Your Information

 

We may disclose PII that we collect, or you provide as described in this privacy policy:

 

  • To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Kiwi Financial, LLC's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Online Platforms users is among the assets transferred.

  • To fulfill the purpose for which you provide it.

  • For any other purpose disclosed by us when you provide the information.

  • With your consent.

 

We may also disclose your personal information:

 

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

  • To enforce or apply our terms of use and other agreements, including for billing and collection purposes.

If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information, and Limits to Our Sharing

 

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

 

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

  • Promotional Offers from the Company. If you do not wish to have your email address/contact information used by the Company to promote our own or third parties' products or services, you can opt-out by emailing us at support@kiwicredito.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt-out does not apply to information provided to the Company as a result of a product purchase, product service experience, or other transactions.

  • Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers' target-audience preferences, you can opt-out by emailing us at support@kiwicredito.com.

 

Please check our Privacy Practices section to know more about how we use your PII.

 

Accessing and Correcting Your Information

 

You can review and change your personal information by logging into your account profile page. You may also send us an email at support@kiwicredito.com to request access to, correct, or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

 

Data Security

 

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. All transactions will be encrypted. Additionally, we enforce physical access controls to our facilities and your personal information is only available to authorized employees as job responsibility required. The safety and security of your information also depend on you. Where you have an active customer online account and we have given you (or where you have chosen) a password, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

 

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Online Platforms. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Online Platforms. If you have any questions or concerns about the security of your PII, or you believe it has been compromised, please send us an email at support@kiwicredito.com.

Changes to Our Privacy Policy

 

It is our policy to post any changes we make to our privacy policy. If we make material changes to how we treat our users' personal information, we will notify you by email to the last email address notified to the Company, as it may appear in our records. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

 

Privacy Practices

What does Kiwi Financial, LLC do with your personal information?

  1. Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

  2. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

    • Social Security number and income

    • phone number, email address, physical and postal addresses, date of birth

    • Kiwi account balances and transaction history, payment, or loss history

    • bank account balances and transaction history, statements, and income sources

    • telephone bills and utility payment history

    • employer information and paystubs

    • credit history, credit scores, and credit card and/or other debt

  3. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Kiwi Financial, LLC chooses to share; and whether you can limit this sharing.​

Reasons we can share your personal information:

  1. For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

    • ​Does Kiwi Financial, LLC share? Yes

    • Can you limit this sharing? No

  2. For our marketing purposes—to offer our products and services to you

    • ​Does Kiwi Financial, LLC share? Yes

    • Can you limit this sharing? No

  3. For joint marketing with other financial companies

    • ​Does Kiwi Financial, LLC share? Yes

    • Can you limit this sharing? No

  4. For our affiliates’ everyday business purposes—information about your transactions and experiences

    • ​Does Kiwi Financial, LLC share? No

    • Can you limit this sharing? We do not share

  5. For our affiliates’ everyday business purposes—information about your creditworthiness

    • ​Does Kiwi Financial, LLC share? No

    • Can you limit this sharing? We do not share

  6. For nonaffiliates to market to you

    • ​Does Kiwi Financial, LLC share? No

    • Can you limit this sharing? We do not share

To limit our sharing: Email us at support@kiwicredito.com

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Who is providing this notice? Kiwi Financial, LLC

How does Kiwi Financial, LLC protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

 

Our information systems have controls, such as: firewalls, antivirus, passwords, periodic testing of our network access, and encryption of computers and emails.

How does Kiwi Financial, LLC collect my personal information? We collect your personal information, for example, when you:

  • open an account or apply for a loan

  • apply for financing

  • pay your bills

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness

  • affiliates from using your information to market to you

  • sharing for non affiliates to market to you

 

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account, I hold jointly with someone else? Your choices will apply to everyone on your account unless you tell us otherwise.

Definitions:

  • Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.

    • Kiwi Financial, LLC does not have any affiliates.

  • Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.

    • ​Kiwi Financial, LLC does not share with non-affiliates so they can market to you.

  • Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

    • ​Our joint marketing partners may include direct marketing, telemarketing, insurance, or other marketing providers.

Contact Information

 

To ask questions or comment about this privacy policy and our privacy practices, contact us at support@kiwicredito.com

Legal:

Contact us:

Monday - Friday

9am - 5pm EST

787-490-2004

Our unsecured loans and credit builder loans are a better alternative to payday loans, cash advance, car title loans, secured credit cards and other forms of short-term credit. Our mission is to promote financial inclusion by providing access to affordable capital, help build credit and improve the financial literacy of our users.

© 2020 Kiwi Financial, LLC. All rights reserved.     

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Kiwi Financial, LLC has licenses in PR and UT. Puerto Rico License: Ley de Préstamos Personales Pequeños #PPP-035; Utah License: Acknowledgement of Consumer Credit Notification.