Welcome to the website (“Site”) or mobile application (“App”) of Kikoff Inc. and its affiliates and subsidiaries (“Kikoff,” “we,” “our,” or “us”). Kikoff offers a free credit builder to jumpstart your financial independence.
This Privacy Policy explains what personal and other data we collect through the Site, and the App, email, and call center (collectively the “Services”), how we use and share that data, and your choices concerning our data practices. This Privacy Policy forms part of our Terms of Service, which are available at: https://kikoff.com/terms.pdf/.
By providing us with your personal data when using the Services you agree to the data practices described in this Privacy Policy. If you do not agree to these practices, please do not access or use the Services. Before you submit any Personal Data (as defined below) to Kikoff through the Services, please review this Privacy Policy carefully, and contact us if you have any questions.
Please note that if you create an account with us, our Consumer Privacy Notice applies to you. Please review our Gramm-Leach-Bliley Consumer Privacy Notice at the end of this document.
Personal Data You Voluntarily Provide Us
Personal Information. When you interact with our Services, apply for a financial product, contact us with inquiries or create an account to access the Services, we collect information you voluntarily give us that alone or in combination with other information could be used to identify you (“Personal Data”). The Personal Data we collect from you generally includes your name, email address, social security number, date of birth, bank account and routing numbers, marital status, household income, credit report data, and the login credentials you use to create and access an account with us.
Other Information.
In order to help us determine if you qualify for financial products or services, we may obtain credit reports from consumer credit reporting agencies. If required by law, we will provide notice and/or obtain your consent to do so.
To prevent fraud, verify your identity, and secure accounts, we may obtain information about your mobile service from your wireless carrier, such as your subscriber data (including mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber and device details).
When you voluntarily provide it to us, we may also use the information you use to login to your accounts with your financial institutions (such as the username and password you use to access your bank's website).
When you visit, use and interact with the Site or App, we may receive certain information about your visit, use or interactions that alone cannot identify you. For example, we may monitor the number of people that visit our Site, peak hours of visits, which page(s) are visited on our Site, the domains our visitors come from (e.g., google.com, yahoo.com, etc.), and which browsers people use to access and visit our Site (e.g., Firefox, Microsoft Internet Explorer, etc.), broad geographical information, and Site-navigation patterns. In particular, the following information is created and automatically logged in our systems:
Log data. Information (“log data”) that your browser automatically sends whenever you visit the Site. Log data includes your Internet Protocol (“IP”) address (so we understand which country you are connecting from when you visit the Site), browser type and settings, the date and time of your request, and how you interacted with the Site.
Cookies, Pixel Tags and other technologies. Information from cookies, pixel tags and/or other technologies. These technologies may be placed by us or by third parties who provide services to us. Please see the “Cookies” section below to learn more about how we use cookies and other technologies.
Please note that both Log Data and cookies may collect the following types of data:
Device information: Includes name of the device, operating system, and browser you are using. Information collected may depend on the type of device you use and its settings.
Usage Information. We collect information about how you use our Site and App, such as the types of content that you view or engage with, the features you use, the actions you take, and the time, frequency and duration of your activities.
Cookies
In operating the Services, we may use a technology called “cookies.” A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Our cookies help provide additional functionality to the Services, including helping us analyze Services usage more accurately. For instance, our Site may set a cookie on your browser that allows you to access the Services without needing to remember and then enter a password more than once during a visit to the Site. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. In order to personalize your use of
When you visit the Site or view one of our emails, we will use pixel tags or “clear” gifs to track links and/or similar technology to note some of the pages you visit on our Site and to personalize your experience. Pixel tags are a technology similar to cookies that can be embedded in online content or within the body of an email for the purpose of tracking activity on websites (for example, to know when content has been shown to you), or to know when you have viewed particular content or a particular email message.
Analytics and Tracking Technologies. We may allow third party service providers, to use cookies or pixels (as noted above) or other tracking technologies (, to help us understand your use of our Site and collect information about your browsing activities over time and across different websites. For example, our Site uses Google Analytics for these purposes. To opt-out of Google Analytics collecting your information, go to https://chrome.google.com/webstore/detail/google-analytics-opt-out/fllaojicojecljbmefodhfapmkghcbnh?hl=en.
We use Personal Data and other information for the following purposes:
To provide you with the Services and related customer service, including communicating with you as necessary in connection with your application for financial products and services;
To market our products and services to you, or market other products and services to you that we think may interest you;
To respond to your inquiries, comments, feedback, or questions;
To send administrative information to you, for example, information regarding the Services, and changes to our terms, conditions, and policies;
To analyze how users interact with our Services so we can provide, maintain, customize, and improve the content and functionality of the Services;
To enforce the terms of our Terms of Use or Privacy Policy or any other agreement between us;
To prevent actual or potential fraud, criminal, illegal, wrongful, or harmful activity, or misuses of our Services, and to ensure the security of our IT systems, architecture and networks;
To comply with legal obligations and legal process and to protect our rights, privacy, safety or property, and/or that of our affiliates, you or other third parties;
To conduct and publish market research, e.g., consumer surveys, polls, statistics etc;
To publish user-generated content for use on our Site, social media, or other marketing platforms, websites, or mobile apps;
Any other purpose disclosed at the time you provide information or otherwise with your consent or if you authorize or direct us to release information about you.
We may use your information to contact you in the future to tell you about products or services we believe may be of interest to you. If we do, each marketing communication we send you will contain instructions permitting you to “opt-out” of receiving future marketing communications. In addition, if at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below.
We may partner with third party service providers to display advertising on our Site or to manage our advertising on other sites. These partners may use data technologies such as cookies and pixels to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests. We may also use web beacons to tell when a user is redirected to the Site because of an advertisement that we ran was clicked on or otherwise interacted with and to better target our advertisements (known as “retargeting”). Service providers we use may track Site visitors over time and across multiple websites and social media services to retarget Site visitors. Users logged in to social media programs may be tracked by service providers who track such users across multiple websites and who may disregard the privacy settings in your web browsers.
If you wish to not have this information used for the purpose of serving you targeted ads, you may be able to opt-out by visiting:
http://www.aboutads.info/ https://optout.networkadvertising.org/?c=1
Please note that opting-out will not mean that you will no longer be served advertising. Instead, you will continue to receive generic ads that are not based on your specific interests.
We may aggregate the information that we collect and use such data for commercial, statistical and market research purposes, including sharing it with affiliates, third parties and business partners. This data may include location information derived from your IP address or, if authorized, from the GPS of your mobile device.
We may share personal information with certain third parties without further notice to
you unless required by law in the following circumstances:
Business Transfers. As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution, bankruptcy, or similar event, Personal Data may be part of the transferred assets.
Our Affiliates. We may also share your Personal Data with our affiliates for business purposes, including marketing, as described in this Privacy Policy.
Agents, Consultants, Vendors, and Service Providers. Like many businesses, we sometimes hire other companies to perform certain business-related functions.
Examples of such functions include mailing information, maintaining databases and processing payments. Additionally, we may partner with other businesses to market products or services to you.
We may also share Personal Data with third parties for any purpose described above in the section titled “How We Use Your Information” or for any other purpose that has been disclosed to you or to which you have consented,
You can contact us at help@kikoff.com to do the following at any time:
See what data you provided through the Services, if any.
Change/correct any data you provided through the Services.
Express any concern you have about our use of your data.
The Services are not intended for children who are under 18 years of age and we do not knowingly collect Personal Data from children under 18. If you are under the age of 18, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children's Internet usage and to help enforce our Privacy Policy. If you believe we have collected information from a child who is under 18 please contact us and we will endeavor to delete the information.
Do Not Track Signals. Our Site currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.
Restrictions on Sharing. If you are a California resident and have concluded a customer relationship with us, you can restrict our sharing of certain information. For more information, review our California Privacy Notice here.
If we disclose certain Personal Data to third parties who use it for their direct marketing purposes, you have a right to request further information about the recipients of your Personal Information. To obtain a list of this information, please contact us at the address provided in the “Contact Information” section below.
This Privacy Policy only applies to information collected by Kikoff through our Services. The Kikoff Services may contain links to other websites, apps or online services not operated or controlled by Kikoff (“Third Party Sites”). The policies and procedures described here do not apply to Third Party Sites. By providing links to Third Party Sites or services we do not imply that we endorse or have reviewed such websites or services. We suggest that you contact those sites directly for information about their data practices and policies.
No Internet or email transmission is ever fully secure or error free. In particular, email sent to or from us in connection with the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to us via the Internet.
Please feel free to contact us if you have any questions about this Privacy Policy or information practices:
This Privacy Policy is effective as of 3/21/2020. If we materially change this Policy, we will post the revised version here. Your continued use following any changes shall be deemed to be your acceptance of the changes. We suggest that you check here periodically for the most up-to-date version of our Privacy Policy.
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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. |
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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
Account balances and transaction history
Credit history and employment
All financial companies need to share consumers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their consumers' personal information; the reasons Kikoff
chooses to share; and whether you can limit this sharing.
How?
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Reasons we can share your personal information |
Does Kikoff share? |
Can you limit this sharing? |
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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 |
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For our marketing purposes— to offer our products and services to you |
Yes |
No |
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For joint marketing with other financial companies |
No |
We don’t share |
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For our affiliates' everyday business purposes— information about your transactions and experiences |
No |
We don’t share |
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For our affiliates' everyday business purposes— information about your creditworthiness |
No |
We don’t share |
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For our affiliates to market to you |
No |
We don’t share |
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For nonaffiliates to market to you |
No |
We don't share |
To limit
our sharing
or go to https://kikoff.com/privacy.pdf
Questions?
Visit us online: email us at help@kikoff.com
Please note:
If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice.
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Who we are |
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Who is providing this notice? |
Kikoff Lending, LLC |
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What we do |
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How does Kikoff 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. |
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How does Kikoff collect my personal information? |
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates or other companies. |
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Why can't I limit all sharing? |
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
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What happens when I limit sharing for an account I hold jointly with someone else? |
Your choices will apply to everyone on your account. |
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Definitions |
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Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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