*** Attention: NO PENALTY for COVID-19 related payment issues ***
At KP Project Financial we recognize and appreciate the importance of respecting the privacy of our customers and are committed to safeguarding against unauthorized disclosure of, or access to, the information about our customers. This Privacy Notice sets forth KP Project Financial’s current policies and practices with respect to nonpublic personal information of our applicants, customers and former customers. Please be aware that we may change this policy periodically.
We limit the collection, retention and use of individual customer information to the minimum amount required to deliver useful products and services and other opportunities to customers and to fulfill our business needs. We may collect nonpublic personal information about you from different sources. For example, when you inquire of us or apply to us in writing, on the phone, by e-mail or from our website, we may collect information about you, such as your name, phone numbers, email address, assets, income and TIN/social security number, from applications or other forms. We collect information about our customers through your transactions with us, with our affiliates, or with others, which may include information about the devices used (operating systems, browser type, device type) browsing information as well as account balances, payment history, and parties to transactions. We also collect information from credit bureaus, including your credit history. We may receive information from other sources such as providers of marketing and demographic data.
Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to KP Project Financial Inc (“KPPF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify KPPF of any change in such information or financial condition, (3) Applicant authorizes KPPF to disclose all information and documents that KPPF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) KPPF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by KP Project Financial and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.
I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by KP Project Financial and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.
By providing my wireless phone number to KP Project Financial Inc, I agree and acknowledge that KP Project Financial Inc may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that KP Project Financial Inc may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from KP Project Financial Inc to my wireless phone number.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to Advance Funds Network Inc., 464 Kings Highway 2nd Fl. Brooklyn, NY 11223. Funding amount and credit approval is subject to a full credit profile review.
We collect “Non-Personal Information” and “Personal Information.” Non-Personal Information includes information that cannot be used to personally identify you, such as anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks. Personal Information includes only your name, email address, phone number, business name or other details which you submit to us through the registration process at the Site.
When collecting personally identifiable information about our visitor which is currently limited to First Name, Last Name, Phone Number, Email and Business Name. For some of our web based services we may also ask other information about our visitors and their business to better serve them. This information is collected only when the visitor submits an online form thereby granting us the use of that information.
Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future.
The Company may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser.
What information do we collect about our visitors use of services?
We collect information about their device (such as operating system type, browser type, device type) and browsing information (such as referring URL’s, IP address) which is used to identify patterns that allows us to build a better experience for visitors.
How we use the gathered information?
We use information about the visitor to connect with them on services we offer and understand how to better present services they are interested in.
We may use the information we collect to provide you with products or services you have requested, to improve our marketing and promotional efforts, to statistically analyze customer use of our products and services, to improve our offerings, to contact you regarding information we believe may be useful to you, to comply with reporting or other legal requirements, and to otherwise conduct business. We believe these uses allow us to improve our services and better tailor them to meet your needs.
Unless you instruct us otherwise, we may also share with our affiliated companies the other information that we collect about you as described under the heading “Information We May Collect” above (such as information from consumer credit reports or income and assets information from applications). We may do this to provide you with information about other products or services we offer that may interest you.
In order to establish, administer and manage our customers’ accounts, to provide customer service, to process account transactions and account statements, and to conduct research and analysis, we may disclose information described under the heading “Information We May Collect” to companies that work with us, including some of our affiliates*, to perform services or business operations on our behalf. We may also share this information with companies that perform marketing services on our behalf or other financial institutions with which we have joint marketing agreements. Please be aware that these disclosures are permitted by law without your consent, and therefore, the opt out choices described below will not apply to these types of disclosures.
In general, the Personal Information you provide to us is used to help us communicate with you. For example, we use Personal Information to contact users in response to questions, solicit feedback from users, provide technical support, and inform users about promotional offers.
We implement security measures designed to protect your information from unauthorized access. We further protect your information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By using our Service, you acknowledge that you understand and agree to assume these risks.
YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL INFORMATION:
LINKS TO OTHER WEBSITES
Identity theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to each of the credit reporting agencies listed below and ask that a fraud report be placed on your file.
Trans Union: 800-680-7289
You may also check to see if any additional credit accounts have been opened without your consent. Contact the credit reporting agencies at these numbers to obtain a copy of your credit report.
You may be able to receive a free credit report annually. Check AnnualCreditReport.com to see if you are eligible for a free report.
This information is provided as a service to you. KP Project Financial is not affiliated with any of these services and does not guarantee their effectiveness.
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under the age of 13 years old.
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
Send information, respond to inquiries, and/or other requests or questions
Process orders and to send information and updates pertaining to orders.
Send you additional information related to your product and/or service.
Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.
Not use false or misleading subjects or email addresses.
Identify the message as an advertisement in some reasonable way.
Include the physical address of our business or site headquarters.
Monitor third-party email marketing services for compliance, if one is used.
Honor opt-out/unsubscribe requests quickly.
Allow users to unsubscribe by using the link at the bottom of each email.
Follow the instructions at the bottom of each email and we will promptly remove you from ALL correspondence.