Gramm-Leach-Bliley Act (GLBA) Privacy Notice
Last Updated: January 1, 2023
FACTS: What does Kafene, Inc. (“Kafene”) do with your personal information?
Why?
Financial companies choose how they share your personal information. U.S. Federal law gives consumers the right to limit some but not all sharing. U.S. 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:
- Name
- Social Security Number
- Date of Birth
- Driver License Number
- Address
- Income
- Checking Account Information
- Transaction History
- Payment History
- Employment Information
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 Kafene chooses to share; and whether you can limit this sharing.
To limit our sharing
- Call 1-855-420-0747;
- Email us at [email protected]; or
- Visit us online: www.kafene.com.
Questions?
Call 1-855-420-0747 or email [email protected]
What we do
How does Kafene 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 Kafene collect my personal information?
We collect your personal information, for example, when you
- Apply for our services.
- Conduct a financial transaction, such as making a payment.
We also collect your personal information from credit bureaus, affiliates and 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. Kafene has no affiliates.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates with which Kafene shares personal information include service providers that perform services or functions on our behalf. Kafene does not share personal information with nonaffiliates so they can market to you.
This GLBA Privacy Notice has been prepared in accordance with federal law. Certain States have adopted a requirement thatfinancial institutions obtain clients’ affirmative consent to share their personal information with nonaffiliates who are notservicing your account.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Kafene does not jointly market.
Other important information
Please review our Privacy Policy and the supplements therein for U.S. State specific policies.
The information disclosure practices described in this document are in accordance with federal law. You may have otherprivacy protections under State laws. To the extent these state laws apply, we will comply with them with regard to ourinformation disclosure practices.
Nevada Residents: Nevada law requires that we also provide you with the following contact information: Bureau of ConsumerProtection, Office of the Nevada Attorney General, 555 East Washington Street, Suite 3900, Las Vegas, NV 89101; phonenumber (702) 486-3132; email: [email protected].
California Residents: In accordance with California law, we will not disclose information we collect about California residentsto unaffiliated companies, except as permitted by law, which includes disclosures with the consent of the California residentand disclosures to service the resident’s accounts with us, as well as other lawful disclosures.
Vermont Residents: In accordance with Vermont law, we will not disclose information we collect about Vermont residents tounaffiliated companies and will not disclose application and third-party credit related information about Vermont residents toour affiliated companies except as follows: as permitted by law; to companies that perform services on our behalf; creditbureaus; and with the authorization or consent of the Vermont resident.
In order to comply with applicable laws and legal requirements, we may disclose information to government entities, self-regulatory organizations, or other third parties in response to court orders, subpoenas, government inquiries, or othermandatory legal processes.
If you live in Alaska, California, Louisiana, Massachusetts, Maine, North Dakota or Vermont, under certain circumstances, weare required as a financial institution to obtain your affirmative consent to share your personal information with a nonaffiliate. Ifyou live in any state other than those listed, under certain circumstances, you may opt-out of Kafene sharing your personalinformation with a nonaffiliate.
Certain States have adopted a requirement for you to approve the sharing of information in advance, otherwise known as an“opt-in” choice. If you live in an “opt-in” state, then we will require your consent to share your information with unaffiliated thirdparties who are not servicing your account. State requirements vary and may change without notice.