Terms, Privacy, & Disclosures
Welcome to the website (the "Site") of Kiavi Funding, Inc. and its Subsidiaries (collectively referred to as "Kiavi", "Company", "we", "us" and "our"). This Site was created to provide information about our company and our real estate lending and investing services, mobile applications and related services (together with the Site, the "Services") to our Service visitors ("you", "your", or "user").
Table of contents:
- Information We Collect
- Non-Identifiable Data
- Aggregated Personal Information
- Our Use of Your Personal Information
- Our Disclosure of Your Personal Information
- Children and Minors
- Links to Other Websites
- Tracking Policies
- Your California Privacy Rights
- Other Terms and Conditions
- Contact Us
- Exhibit A - Personal Information Sharing
Information We Collect
If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of Company and the authorized third parties referred to herein located in the United States.
Non-Identifiable Data: When you visit the Site or interact with us through the Services, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. Kiavi may store such information itself or such information may be included in databases owned and maintained by Company affiliates, agents or service providers. We may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, and the domain names of our visitors' Internet service providers.
Aggregated Personal Information
In an ongoing effort to better understand and serve the users of the Services, we often conduct research on our customer demographics, interests and behavior based on the use and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and Kiavi may share this aggregate data with its affiliates, agents and business partners. This aggregate information does not identify you personally. Kiavi may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.
Our Use of Your Personal Information
Our Disclosure of Your Personal Information
Kiavi is not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Information with certain third parties without further notice to you, as set forth below:
In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Information may be part of the transferred assets.
Agents, Consultants and Related Third Parties
We, like many businesses, sometimes hire other companies to perform certain business-related functions. Examples of such functions include but are not limited to mailing information, maintaining databases, processing payments, releasing property liens, and property inspections. When we employ another company to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
Kiavi may disclose your Personal Information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend our rights or property, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.
You can visit the Site without providing any Personal Information. If you choose not to provide any Personal Data, you may not be able to use certain Services.
Children and Minors
Our services are not intended for and we do not knowingly collect Personal Information from Minors. "Minors" are individuals under the age of 13 (or under a higher age if permitted by the laws of their residence). If it comes to our attention that we have collected Personal Information from a Minor, we may delete this information without notice. If you have reason to believe that this has occurred, please contact us at email@example.com to have the information deleted.
Links to Other Websites
In operating the Services, we may use a technology called "cookies." Cookies are small text files sent by us to your computer or mobile device, which enables Kiavi features and functionality. They are unique to your account and your browser. We use our own cookies and third party cookies. Kiavi uses both session cookies and persistent cookies. A session cookie is something that helps identify you during a particular visit to our Site which expires after a short time. We use a persistent cookie to identify you over a long period of time such as if you ask us to keep you signed in.
If you would prefer not to allow cookies, on most web browsers, you will find a "help" section on the toolbar where you can set up rules to manage cookies such as how to receive notifications when you are receiving a new cookie or how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service features. Limiting cookies may stop you from saving customized settings including login information.
We collect Personal Information about your online activities over time and across different websites when you use our Site or Services or affiliated websites. We also allow third parties to collect Personal Information about your online activities over time and across different websites when you use our Site or Services.
Kiavi takes reasonable steps to protect the Personal Information provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or via mobile device, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In particular, email sent to or from the Services may not be secure. Alternatively, you can securely upload information through your username and password enabled accounts on our Site.
Your California Privacy Rights
California law may provide California residents with additional privacy rights regarding our use of your personal information. To learn more or make a request, please see the Privacy Notice for California Residents.
Other Terms and Conditions
Your access to and use of the Services is subject to the Terms of Service at www.kiavi.com
Exhibit A - Personal Information Sharing
|Facts||What does Kiavi do with your personal information?|
|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.|
|What?||The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons Kiavi may choose to share—and whether you can limit this sharing. For current borrowers, you may not control certain information associated with your loan, that you have already agreed to provide to certain investors as described in your loan agreement.
|Reasons we can share your personal information||Does Kiavi share?||Can you limit this sharing?|
|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||YES||NO|
|For our marketing purposes - to offer our products and services to you||YES||NO|
|For joint marketing with other financial companies||YES||YES|
|For our affiliates' everyday business purposes - information about your transactions and experiences||YES||NO|
|For our affiliates' everyday business purposes - information about your creditworthiness||YES||YES|
|For our affiliates to market to you||YES||YES|
|For nonaffiliates to market to you||YES||YES|
|To limit our sharing||
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provide you with this notice. Please also visit Jurisdiction Specific Disclosure for state specific rights.
|Questions?||Call 1-844-415-4663 or go to www.kiavi.com|
|What We Do|
|How does Kiavi 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.|
|How does Kiavi collect my personal information?||We collect your personal information, for example, when you
|Why can't I limit all sharing?||Federal law gives you the right to limit only
|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.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Last updated: November 15, 2021