Privacy Policy

1. Information You Provide to Us

We collect personal information that you voluntarily provide when you create an account, submit a loan application, request information about our services, or otherwise contact us. This may include:

• Full name, date of birth, and Social Security number
• Home address, email address, and phone number(s)
• Bank account and financial institution details
• Employment and income information
• Government-issued identification numbers
• Any other information you choose to provide

2. Information Collected Automatically

When you visit or interact with our website, we automatically collect certain technical and usage data, including:

• Device type, operating system, and web browser
• IP address and approximate geographic location
• Pages visited, time spent on pages, and navigation paths
• Referring URLs and search terms used to find our site
• Time zone setting and language preferences

This information helps us detect potential security risks, improve site performance, and understand how visitors use our services.

3. Cookies and Tracking Technologies

We use cookies and similar technologies (such as web beacons and pixel tags) to store user preferences, improve site functionality, and analyze usage trends. Cookies are small data files placed on your device that contain a unique identifier.

You can configure your browser to refuse cookies or alert you when cookies are being sent. Please note that some features of our site may not function properly if cookies are disabled.

4. Analytics

We may use third-party analytics services (such as Google Analytics) to collect and analyze information about site usage. These services use cookies and other tracking technologies to gather data about your interactions with our website. You may opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-On.

5. Interest-Based Advertising

We may partner with third-party advertising networks that collect information about your browsing activity across websites to deliver advertisements that may be relevant to your interests. Our site does not currently respond to "Do Not Track" browser signals.

You can learn more about opting out of interest-based advertising through the Digital Advertising Alliance or the Network Advertising Initiative.

6. How We Use Your Information

We use the information we collect to:

• Process and evaluate loan applications
• Verify your identity and prevent fraud
• Service your account and process payments
• Communicate with you about your account, transactions, and services
• Comply with applicable laws, regulations, and legal processes
• Improve our website, products, and customer experience
• Send marketing communications (with your consent, where required)

7. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Service providers: With trusted third parties who assist us in operating our business, such as payment processors, identity verification services, and technology providers. These parties are contractually obligated to protect your data.
• Credit reporting: With consumer reporting agencies as permitted or required by law.
• Legal compliance: When required by law, court order, subpoena, or other legal process, or when we believe disclosure is necessary to protect our rights or the safety of others.
• Business transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
• With your consent: In any other circumstance where you have provided your explicit consent.

8. GLBA Privacy Notice

As a financial services provider, KeyFunding is subject to the Gramm-Leach-Bliley Act (GLBA). Our separate GLBA Privacy Policy describes how we collect, share, and protect your nonpublic personal information in connection with our financial products, and is incorporated into this Privacy Policy by reference.

9. SMS and Text Message Alerts

If you opt in to receive SMS or text message alerts from KeyFunding, you may receive account notifications and service-related messages. KeyFunding does not charge for text message alerts; however, standard message and data rates from your wireless carrier may apply. Message frequency varies by account activity.

To stop receiving text messages, reply STOP to any message from KeyFunding. For help, reply HELP or contact us at support@keyfunding.net.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.

10. Data Security

We implement industry-standard physical, technical, and administrative safeguards designed to protect your personal information, including 256-bit SSL/TLS encryption, access controls, and regular security assessments. While we strive to protect your data, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

11. Children and Minors

Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from anyone under the age of 13. If we become aware that we have collected information from a child under 13, we will take steps to delete that information promptly.

12. Your Rights and Choices

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of the sale or sharing of your personal information
• Opt out of marketing communications at any time

You may also update your information or adjust your communication preferences by signing in to your account or contacting us directly.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We encourage you to review this page periodically. The "Last updated" date at the top indicates when the most recent revisions were made.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

• Email: support@keyfunding.net
• Phone: +1 (877) 416-4725
• Mail: Key Funding Holdings LLC, 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110