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 www.kifi.co or any other website or application that links to this Privacy Policy (collectively, the “Sites”). This Policy describes how we atKiFi collect, store, use, share, and protect the 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 throughKiFi 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 ofKiFi’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 kifi.co.
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 andKiFi 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 ofKiFi 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.
