PPECCC

Privacy Policy

Ki Financial Services, LLC (“KiFi”), its affiliates, and subsidiaries (collectively, “we”, “us”, and “our”) have created this Privacy Policy for our website visitors, users, and solar installation partners (collectively, “you” or “your”). This Privacy Policy applies when you access or use https://kifi.co or any other website or application that links to this Privacy Policy (collectively, the “Sites”). This Policy describes how we at KiFi collect, store, use, share and protect your information we collect to operate the Sites and access to consumer financial products and services (collectively with the Sites, the “Services”). The terms of this Privacy Policy are incorporated into our Terms of Service as included in the account agreement.

Any access to financial products or services provided through KiFi and this site may require us to obtain specific pieces of personal information for our bank and credit union partners as we function as a service provider and partner for them.

Information We Collect

As the nature of KiFi’s business is considered Financial Services, certain pieces of personal information about you that you will need to provide while using our Services, including the application process and usage of our online platform, will need to be retained; for example, we may collect the following personal information:

Your name.
Your email address.
Your date of birth.
Your home address and telephone number.
Your social security number.
Employment and income information.
Credit report, credit score, and credit-related information.
Credentials for and information from third-party sites.
Information about your visit to and use of our Site (such as your IP address, geographical location, browser, referral source, length of visit, and pages viewed) to help improve the quality and functionality of kifidev.wpengine.com.

USA PATRIOT ACT

Under Section 326 of the USA PATRIOT ACT, banks and financial institutions are required to obtain, verify, and record information that identifies each person who opens an account. Banks and financial institutions are required to do this to help the government fight the funding of terrorism and money laundering activities. What does this mean to you? You may be asked more questions to establish and confirm your identity, and/or it may also be required for you to provide one or more of the following types of identification:

Driver’s license.
Passport and country of issuance.
U.S. taxpayer identification (ID) number.
Alien ID Card.
Any other government-issued document evidencing nationality or residence.

How Information is Collected

We collect information about you:

when you register on our website, use our website, or apply for a loan or apply to be an installer/partner.
from your transactions, including your loans, repayments, account funding, and withdrawals.
from your communications with us.
from third-parties such as credit bureaus, identity verification services, and other public records and websites.

Why We Collect Information

We collect information to fulfill the requirements of the various rules and regulations to which we are subject and improve our services and product offerings. Please note that we may disclose your personal information that we have collected through our Services following all applicable laws and our privacy notice, where appropriate, which may include:

providing and managing Services you have requested.
making offers of credit on behalf of our bank and credit union partners.
providing our assignees, affiliates, partners, vendors, representatives, third-party lending partners, financial partners, loan brokers, or loan servicing providers information for servicing or maintaining your account.
to verify or authenticate your identity.
protecting against fraud and security threats, and otherwise managing risks.
communicating with you regarding services that may be of interest.
communicating with other financial companies for joint marketing purposes.
evaluating and improving our website and other offerings.
tailoring our services and otherwise enhancing features, functionality, and customer experience.
satisfying legal or regulatory requirements.
satisfying law enforcement requests.
as otherwise permitted by applicable law.

Third-Party Information

We may receive information about you from third-parties, such as credit bureaus, identity verification services, and other public records or websites.

How We Use Cookies

A cookie is a small file placed on your computer by a website that uses the cookie to store information about your use of the website to help users navigate websites efficiently and provide information to the owner of the website. There are two general types of cookies: session cookies and persistent cookies. Session cookies are only used during a single session online and will be deleted once you leave a website. Persistent cookies have a longer life and will be retained by the website and used each time you visit a website. You can delete both session and persistent cookies at any time through your browser settings.

When you visit the Site, we may place session and/or persistent cookies to improve your experience by recognizing you when you return to the Site, such as by assigning a session ID and delivering content specific to your interests. We may also allow our affiliates and third-party vendors to use cookies on our Site. Some of these parties may use cookies in ways that we do not. You may refuse to accept cookies by activating your browser’s setting, which allows you to refuse cookies. However, if you select this setting, you may be unable to access certain parts of the Site. Unless you have adjusted your browser setting to refuse cookies, our system will issue cookies when you visit the Site.

Security of Information

We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, misuse, unauthorized access, disclosure, alteration, and destruction. When you send us your information, our Site requires that it be sent with at least 128 bit-encryption over the Transport Layer Security (TLS) protocol. TLS protocol creates an encrypted connection between your browser and KiFi to protect any sensitive information you provide. Additionally, KiFi employs firewalls, physical access controls to our data centers, and information access authorization controls to protect you and your data. Unfortunately, due to the nature of the Internet, we cannot guarantee anything to be 100% secure, and as such, we cannot warrant, guarantee, or ensure the security of any information you have provided to us.

Links to or from Other Websites and Services

Our Site may include links to other websites whose privacy practices may differ from those of KiFi and our partners, vendors, representatives, or loan servicing providers. If you submit personal information to any of those websites, your information is governed by their privacy policies, and we strongly encourage you to carefully read the privacy policy and terms of use for any website that you visit.

Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)

Please be sure to read this information very carefully. We also recommend that you print a copy and/or retain this information electronically for your future reference.

You acknowledge and agree that by checking the “I agree” box and then clicking the “Submit” button, you are agreeing that you have read and reviewed this Electronic Consent Agreement and that you consent to transact business using electronic communications; and to receive notices and disclosures electronically, and to utilize electronic signatures; instead of using paper documents and ink signatures.

Under the various rules and regulations that govern consumer lending, KiFi is required to provide to you various disclosures, records, and documents (“Loan Documents”) including this Electronic Consent Agreement. The purpose of this Electronic Consent Agreement is to obtain your consent to receive these disclosures, records, and Loan Documents from KiFi in electronic form rather than paper. With this consent, you will also be able to sign, execute, and authorize these Loan Documents electronically.

We have provided this agreement to you because you are applying for a loan through KiFi; as such, we provide this Electronic Consent Agreement to notify you of your rights and responsibilities when receiving these disclosures, notices, and any electronic information from KiFi. Please be sure to read the information below carefully before you consent to conduct business with us electronically. For purposes of this Electronic Consent Agreement “Electronic Disclosures” means the Loan Documents related to this transaction that are or were provided electronically to you. Additionally “you” and “your” mean the borrower(s) or applicants for a loan to which such Loan Documents apply, and “we, our, and us” means Ki Financial Services, LLC, its Servicers, Agents, Members, and Partner Financial Institutions.

Hardware and Software Requirements .

Before you decide to do business electronically with us, you should review the required hardware and software capabilities described below to verify that you have what is needed. In order to receive electronic disclosures from KiFi, you must have a computer, tablet, or handheld device with Internet access and an active email address. Your device will need an Internet browser capable of running 128-bit encryption or higher, a PDF viewer, and SSL encryption. It is further recommended that you also have access to a printer or the ability to download information in order to keep copies of your Electronic Disclosures for your own records. If we should change our software or hardware requirements and you are unable to continue receiving electronic disclosures you may request that we mail you paper copies of your loan documents.

KiFi does not and will not assume liability for non-receipt of the notification of the availability of electronic disclosures in the event that your email address is invalid, your email or Internet service provider filters the notification as “spam” or “junk mail”, or if there is a malfunction in your computer browser, Internet service, or any software.

Change to Your Contact Information .

You must promptly notify us if there is a change in your email address or in any other information needed to contact you electronically. If your email address, telephone number(s), or residential address changes, you must notify us of the change by logging into your account or contacting us in writing at 3049 Executive Parkway, Suite 370, Lehi, UT 84043.

eSign

You acknowledge and agree that by checking the “I agree” box and then clicking the “Submit” button or any other such link assenting to our terms, you are providing your electronic signature on this E-Consent agreement. Specifically, you agree that during the course of your relationship with us that you will use electronic signatures in lieu of using “wet” or ink signatures on a physical document. Further, you agree that your electronic signature shall have the same force and effect and shall bind you to this document in the same manner and to the same extent as a physical signature would, in accordance with the Electronic Signature in Global and National Commerce Act (ESIGN).

By checking the “I agree” box and then clicking the “Submit” button or any other such link assenting to our terms, you are confirming that you have agreed to the terms and conditions of the E-Consent and that you have downloaded or printed a copy of this E-Consent for your records. By accepting the terms of this agreement you are agreeing that any disclosure, notice, record, or other type of information that is provided to you in connection with your loan through us, including but not limited to, the Loan Agreement, this E-Consent, the Truth in Lending disclosures set forth in the Agreement, the Privacy Notice, statements, notices of adverse action, and transaction information, may be sent to you electronically via email either from us or from any of our servicers or vendors or through this website. After you have provided your consent we will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so. You may obtain a paper copy of any Communications by logging into your account and printing a paper copy.

Consent to Contact

By checking the “I agree” box and then clicking the “Submit” button or any other such link assenting to our terms, you agree that we may contact you in any reasonable way including, SMS/text messages, calls using a prerecorded message, and calls and messages delivered using an auto telephone dialing system or an automatic texting system. Further, in the event that one of our agents or representatives calls, he or she may leave a message on your answering machine, voice mail, or send one via text.

Your consent to receive SMS/text messages and telephone calls as agreed to above allows us, our agents, our representatives, or anyone calling on our behalf to contact you at the specific number(s) you have provided, or at numbers that we can reasonably associate with your account, with information or questions about your application, loan, or account. Further, you hereby certify that the telephone number(s) that you have provided to us is/are in fact your contact number(s) and that you are permitted to receive calls at each of the telephone numbers you have provided. You also agree to promptly alert us whenever you stop using a particular telephone number whenever it becomes inconvenient to receive such calls.

Please note that your cellular or mobile telephone provider may charge you for our calls, SMS/texts, or messages depending on the type of plan you have. You should consult your cellular/mobile provider for details. Your consent above also authorizes us to contact you by email through any email address you have provided or that you may provide in the future. Lastly, we reserve the right to monitor or record any phone call between you and our representatives without notice and as permitted by applicable law.