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Privacy Policy

‍Last Updated: Sep 20, 2024

Kafene, Inc. and our subsidiaries and affiliates ('Kafene,'the 'Company,'we,'us', or 'our') respect your privacy and commit to protecting it through our compliance with the practices described in this online privacy notice ('Privacy Policy,' 'Policy,' or 'Notice'). Please read this policy carefully.

About This Privacy Policy

This notice describes our practices for collecting, using, maintaining, protecting, and disclosing ('processing') your personal information when you use our virtual lease purchase/rent-to-own services 'Services,' such as when you:

Visit a website of ours that links to this privacy notice ('Website(s)'), including www.kafene.com
Engage in a transaction with us, for example, by making a lease
Subscribe to or engage with our newsletters or other electronic communications
Interact with our social media pages
Click on our ads posted on third party sites
Engage with our affiliates
Communicate with our service representatives or features (including via chat functions, email, text, or phone)
Visit us at our physical locations (where we may collect personal information related to your visit, including for example, video security footage or your use of a Wi-Fi network)
Telephone call recording
Right Party Contact Validation
Fraud Prevention
Use our Services anywhere we collect information from you and refer to this Privacy Notice
Marketing and Advertising

This Notice also applies to personal information we collect from third parties about you. This Policy does not apply to websites, apps, videos (embedded or direct links), or other content (each a 'Linked Site') to which we link that are not operated by us. Linked Sites have their own personal information collection and use practices, we are not responsible those practices. We encourage you to read each Linked Site’s privacy disclosures to understand how your personal information is processed.

What is Personal Information?

'Personal information' (sometimes called 'personal data') is a broadly defined term whose legal definition varies across jurisdictions. When used in this Policy, 'personal information' includes information that is reasonably capable of identifying a particular individual (including through their device) either alone or when combined with information from other sources.

What Information Do We Collect?

The personal information we collect about you depends on the nature and context of your interaction with our Company and Services. It may also depend on various choices you make about how to use the Services we offer, the functionality and features you choose or enable, your location, the devices you use to interact with our services, and applicable law.

The following describes the personal information we collect about you and the way we collect it.

Personal Information You Give to Us

We collect the following categories personal information you provide to us, including the following:

Contact Information: For example, first and last name, email address, phone number, physical address, job titles, and other contact information you provide.
Account and Other Identifiers: For example, username, screen name, handle, account ID, assigned user ID, customer number, or similar identifier that can be used to identify a user or account.
Account Verification Information: Including account security questions and answers.
Purchase History: Purchases and purchase tendencies associated with you or your account.
Consumer Credit Information: Including your credit score, credit history, and creditworthiness.
Financial Information: For example, your salary, income, assets, debts, or other financial information.
Audio Recordings: For example, voicemails, customer service recordings, audio surveillance recordings.
User Content: Including emails and text messages, photos, videos, audio recordings, customer support communications, comments/feedback, and any other user-generated content.
Social Media Content: If you interact with our social media pages, we may receive information related to those interactions.
Employment Candidate Information: Individuals applying for employment or other positions in our workforce may provide personal information in connection with the candidacy for employment. Personal information may include contact information, work history, education history, salary preferences, résumé information, C.V.
Student Data
Other Personal Information You Provide: If you provide us with personal information other than that described above, we will collect it and use it for the purposes for which you provide it or other consistent purposes.

Sensitive Personal Information. Some jurisdictions have defined certain categories of personal information as 'sensitive.' We collect the following categories of sensitive personal information when you provide it to us or allow us to collect it based on your interaction with us.

Payment Processing Information. For example, the form of payment, payment card number and details, bank account number, payment service provider, and other payment information you provide.
Social Security Numbers Driver’s license number Governmental ID card numbers Tax identification number Military identification number
Passport number
Highly Personal Information. For example, information that reveals your racial or ethnic origin, religious or philosophical beliefs, union membership, political opinions, or sex life or sexual orientation.
Account access credentials. For example, your username and password.
Communications Contents. For example, the contents of mail, email, or text messages (unless we are the sender or intended recipient)
License Plate Information. License plate information collected using an automated license plate recognition system

Personal Information We Derive Through Your Use of Our Services

We automatically collect certain information about your (and your device's) interaction with our Services using various data-gathering and tracking technologies.

These technologies include:

Cookies or tracking pixels
Web beacons to monitor activity
Remarketing tools and software
iFrames or embedded materials
Session recording scripts to monitor activity

The information we collect using these technologies includes:

Browsing and Search History. Information about the content you view and searches you make on our Website(s).
Website Log and Usage Data. Data related to our pages you viewed, the services and features you used or interacted with, your browser type and details about any links or communications with which you interacted.
Advertising Metrics. Data about the advertisements you have viewed on our Website and/or Mobile App.
Device information. Data about the device used to access our Services. Device information includes device identification numbers, application identification numbers, advertising identifiers, device location information, mac address, hardware model, internet service provider, and mobile carrier).
Name
Address
Telephone number
IP address
Cookies
Location information
Bank account
Information
Information about your payment history
Consumer report
Consumer rating
Other information necessary to process a lease application or service a lease

The 'Do Not Track' browser-based standard signal has yet to gain widespread acceptance, our Website currently does not respond to those signals.

For more information about the tracking technologies we use, please see our Cookie Notice.

Who Provides Us with Personal Information?

We mostly collect personal information directly from you or based on your interaction with our Website or App. However, we also may collect personal information from third-party sources, these include:

Internet Service Providers
Data Analytics Providers
Operating Systems and Platforms
Identify Verification Service Providers
Information Databases
Social Media Platforms
Business Partners
Government Entities
Our Affiliates
Security Providers

What Do We Do with Your Personal Information?

We may use your personal information for a variety of reasons. Depending on how you interact with our Services, these include:

To deliver our Services to you.
To validate your identity as necessary to fulfill our contract with you, maintain security, and comply with applicable law.
To send you important information, such as information about your account and membership options, including expiration and renewal notices.
To send you marketing and promotional communications, as permitted by law, and to measure its effectiveness
To facilitate user-to-user communications.
To respond to your requests related to our Services.
To maintain and improve the security and performance of our Services.
To develop and improve our current and future offerings and your experience.
To anonymize, aggregate, or de-identify your personal data (so it can no longer identify you) in furtherance of conducting research and analysis.
To make strategic decisions concerning our business operations.
To enforce, and review compliance with, the legal terms that govern our offerings in furtherance of our legitimate interest in ensuring adherence to the relevant terms.
To comply with our legal obligations under applicable laws.
To protect the rights, safety, and property of the Company, our users, and third parties.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

When we process personal data about you to comply with legal requirements or to perform our obligations under a contract with you or with our customer through whom you use our offerings, failure to provide such data may prevent or delay our fulfillment of these obligations.

When and With Whom Do We Share Your Personal Information?

We may share your personal information with the following:

Business Operations Providers. Including cloud computing service providers, internet service providers, data backup and security providers, functionality and infrastructure providers, and similar service providers.
Our Business Affiliates. With our affiliates, including our parent company, subsidiaries, joint venturers, or other companies that we control or that are under common control with us.
Payment and Billing Providers. Including Stripe: https://stripe.com/privacy.
Website . Including hosting providers, performance monitoring providers, user account registration and authentication providers, testing providers, analytics providers, chat feature and user commenting providers, content optimization providers, social media sharing plugin providers, and similar providers.
Marketing and Advertising Providers. Including advertising, direct marketing, and lead generation providers, affiliate marketing program providers, retargeting platforms, data brokers, ad networks, marketing consultants, and similar services providers.
Legally Required Parties. Persons to whom we are required by law to provide information, such as pursuant to a subpoena or a court order.
Professional Service Providers. Including lawyers, accountants, consultants, security professionals, and other similar parties when disclosure is reasonably necessary to comply with our legal and contractual obligations, prevent or respond to fraud or abuse, defend ourselves against attacks, or protect the rights, property, and safety of us, our customers, and the public.
Reorganization. Persons involved in the consideration, negotiation, completion of a business transaction, including the sale, merger, consolidation, acquisition, change in control, transfer of substantial assets, bankruptcy, or reorganization, and any subsequent integration.
Authorized Disclosures: To any party when you request or authorize us to share it.

We may also gather aggregated data about individuals and disclose the results of such aggregated (but not personally identifiable) information to our partners, service providers, advertisers, and/or other third parties for marketing or promotional purposes.

How Long Do We Keep Your Personal Information?

We will retain your personal information only for so long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information; the potential risk of harm from unauthorized use or disclosure of your personal information; the purposes for which we process your personal information and whether we can achieve those purposes through other means; and the applicable legal requirements. In some circumstances, you may ask us to delete your data. Additionally, we may anonymize your personal information (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

How Do We Protect Your Personal Information?

We have implemented and maintain reasonable security procedures and practices, appropriate to the nature of the information, to protect your personal information from unauthorized access, destruction, use, modification, or disclosure. However, no security measure is perfect, so we cannot guarantee the security of your personal information.

Examples of our security measures include the following:

Restricting access to personal information to those workforce members who need to know it.
Training our workforce members about the importance of privacy and security of personal information.
Implementing internal policies and procedures governing the collection, use, retention, and disclosure of personal information.

Do We Collect Information from Minors?

Our Services are not intended for persons under 18+ years of age. We do not knowingly collect or process the personal information of individuals under the age of 18+ . If we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us their Personal Information, please contact us at compliance@kafene.com.

What Are Your Privacy Choices?

You can control the collection and use of personal information for some of our processing activities. This includes:

Adjusting Communication Preferences

Email: You may unsubscribe from promotional and other types of communications by following the 'unsubscribe' instructions near the bottom of the email. You may also email us at compliance@kafene.com. Please note, opting out of promotional emails will not stop you from receiving all emails from the company. For example, we may still send you emails pertaining to your purchases, registrations, consumer surveys and similar transactions.

Text Messages: You may opt out of automated text notifications any time by replying 'STOP,' or any alternative keyword we have shared with you.

Mail Promotions: You may ask us to unsubscribe from our mail promotions and solicitations by: contacting us at help@kafene.com or by calling (855)-420-0747.

Blocking Cookies

Most web browsers automatically accept cookies by default, but you can alter how your browser responds to cookies by adjusting the settings. Information about managing cookies for popular web browsers can be found in the links below:

Safari (Desktop) and Safari Mobile (iOS).

Additionally, you may use our cookie consent preference manager to customize your cookie preferences for our Website(s).

Blocking Google Analytics

Many websites, including ours, employ Google Analytics. To opt out of Google Analytics data collection, follow these instructions from Google.

Mobile Device Privacy Settings.

Mobile devices can use device-level information to serve targeted ads. To learn about your privacy choices for your mobile devices, visit these informational pages from Google (Android) and Apple (iOS).

International Data Transfers

If you provide personal information through the Websites or Apps separate from a purchase, you understand that we may process, store, and transfer your personal information in and to a foreign country, including the United States. The laws that apply to the use and protection of personal information in the United States, or other countries or jurisdictions in which we transfer or process personal information, may be different from the laws and protections in your country. Whenever we engage a service provider, we require that its privacy and security standards adhere to this policy and applicable privacy laws.

Do We Update Our Privacy Policy?

We may update this Privacy Policy from time to time. If we make changes, we will notify you by revising the date at the top of the Policy and, in some cases, we may provide you with additional notice (such as adding a statement to our website homepage or sending you a notification). We encourage you to review the Privacy Policy whenever you access the Services or otherwise interact with us to stay informed about our information practices and the choices available to you.

How Can You Contact Us?

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

44 West 28th Street 17th Floor New York, NY 10001

email: compliance@kafene.com

(855) 420-0747

On our website www.kafene.com at Your Privacy Choices.

Supplemental Notice to Canadian Data Subjects

Canadian laws provide specific rights to our Canadian customers. If you are a Canadian resident, this section applies in addition to all other applicable rights and information contained in this Policy.

We are committed to openness and accountability with respect to how we handle your personal information pursuant to Canadian federal and provincial privacy laws ('Canadian Privacy Law'), including:

The Personal Information Protection and Electronic Documents Act (PIPEDA)
Alberta’s Personal Information Protection Act (Alberta PIPA)
British Columbia’s Personal Information Protection Act (BC PIPA)
Québec's Act respecting the protection of personal information in the private sector (Québec Act).

Consent. In most cases, we rely on implied consent to collect, use, or disclose your personal information. In some circumstances, including those involving sensitive personal information, we obtain express consent. Where you have provided your consent to the collection, use, and transfer of your personal information (whether orally, in writing, or electronically), you may have the legal right to withdraw your consent under certain circumstances. In addition to the methods described above with respect to your privacy choices, you may withdraw your consent by contacting us at

Please note that if you withdraw your consent, we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision.

Use of Your Personal Information. We will not collect, use, or disclose personal information except for the identified purposes identified above (See Disclosures of Your Personal Information), unless we have received additional consent or the processing is authorized without consent. Where we engage service providers who utilize the personal information we provide to them, we ensure that an agreement is place the ensure compliance with applicable Canadian Privacy Law.

Canadian Access and Challenge Rights Canadian Privacy Law provides the right to receive information about the existence, use, and disclosure of your personal information and be provided access to that information. You may also challenge the accuracy and completeness of your personal information and have it amended as appropriate. Depending on the nature of the challenged information, amendment may involve correction, deletion, or addition of information.

Exercising Your Canadian Privacy Rights. If you have an account with us, you may view and update your account information (as noted above) directly by logging into your account. To submit a request for access to information not contained within your account, or to challenge the accuracy or completeness of your personal information, you may click here or go to Your Privacy Choices on our website www.kafene.com. When submitting a request, we may require that you take additional steps to validate your identity or legal authority. We will begin processing your request once you have completed the verification process.

We have put procedures in place to receive and respond to inquiries about our policies and practices relating to the handling of personal information. We will provide a response to any personal information request within the timeframe required by law. If we cannot substantively respond to your request in a timely manner, we will notify you and state the reason for the delay. Under certain circumstances, we may not be able to fulfill your request, such as when doing so would interfere with our regulatory or legal obligations, where we cannot verify your identity, or if your request involves disproportionate cost or effort. However, we will respond to your request within a reasonable time, as required by law, and provide an explanation.

Additional information about how to exercise your rights under Canadian Privacy Law can be found here:

Office of the Privacy Commissioner of Canada

Website

Toll-free: 1-800-282-1376

Office of the Information and Privacy Commissioner of Alberta

Website

Toll-Free: 1-888-878-4044

Edmonton office: (780) 422-6860

Calgary office: (403) 297-2728

Office of the Information and Privacy Commissioner of British Columbia

Website

Vancouver: (604) 660-2421

Elsewhere in BC: (800) 663-7867

Commission d'acces a' l' information du QuebecWebsite

Toll-free: 1-888-528-7741

Supplemental Residents of Colorado

This section applies to residents of the State of Colorado in addition to all other applicable rights and information contained in this Policy. Colorado residents have following rights under the Colorado Privacy Act (CPA) and other applicable Colorado laws:

To confirm whether or not we are processing your personal information.
To access your personal information and obtain a copy of it.
To correct inaccuracies in your personal information.
To delete the personal information we have collected from or about you.
To opt out of the processing of your personal information for purposes of targeted advertising.
To opt out of the sale of your personal information.
To opt out of profiling in furtherance of decisions that produce legal or similarly significant effects concerning you.

Exercising Your Privacy Rights

You may also make a request at any time to exercise your privacy rights listed above by contacting us at compliance@kafene.com. We will respond to your request withing 45 days of receipt (if properly submitted). If we need more time to process and respond to your request, we will notify you of that fact along with the reason for the delay. In all cases we will complete your request within 90 days from the date of our receipt of your properly submitted request. If we decline to take action regarding your request, we will inform you of our decision and the reason for it, along with instructions on how you may appeal our decision.

Targeted Advertising

We engage in targeted advertising which means we display ads to our users based on personal information obtained from their activities over time and across nonaffiliated websites and apps. This allows us to serve you more relevant ads that align with your preferences and interests. We feel this creates a more pleasurable experience for our users. However, if you decide you want to opt out of sharing your personal information for targeted advertising purposes, you can opt out here. Please note, opting out of targeted advertising does not mean that you will no longer receive ads from us—it just means that such ads will not be specifically tailored to you.

Sale of Personal Information.

Colorado residents acting within their individual capacity may opt out of the sale of their personal information. 'Selling' means we exchange your personal information to third parties in exchange for money or something else of value.

Based on this definition, we Do NOT sell your personal information to third parties.

Supplemental Residents of Connecticut

This section applies to residents of the State of Connecticut in addition to all other applicable rights and information contained in this Policy. Connecticut residents have following rights under applicable Connecticut law:

To confirm whether or not we are processing your personal information.
To access your personal information and obtain a copy of it.
To correct inaccuracies in your personal information.
To delete the personal information we have collected from or about you.
To opt out of the processing of your personal information for purposes of targeted advertising.
To opt out of the sale of your personal information.
To opt out of profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. You can submit an opt out request here.

Exercising Your Privacy Rights

You may make a request at any time to exercise your privacy rights listed above by contacting us here. We will respond to your request withing 45 days of receipt (if properly submitted). If we need more time to process and respond to your request, we will notify you of that fact along with the reason for the delay. In all cases we will complete your request within 90 days from the date of our receipt of your properly submitted request. If we decline to take action regarding your request, we will inform you of our decision and the reason for it, along with instructions on how you may appeal our decision.

Targeted Advertising

Sale of Personal Information.

Connecticut residents acting within their individual capacity may opt out of the sale of their personal information. 'Selling' means we exchange your personal information to third parties in exchange for money or something else of value.

Based on this definition, we Do NOT sell your personal information to third parties.

Supplemental Residents of Utah

This section applies to residents of the State of Utah in addition to all other applicable rights and information contained in this Policy. Utah residents have following rights under the Utah Consumer Privacy Act (UCPA) and other applicable Utah laws:

To confirm whether or not we are processing your personal information.
To access your personal information, and obtain a copy of information you previously provided to us.
To delete the personal information we have collected from or about you.
To opt out of the processing of your personal information for purposes of targeted advertising.

To opt out of the sale of your personal information. You can submit an opt out request here.

Exercising Your Privacy Rights

You may make a request at any time to exercise your privacy rights listed above by contacting us here . We will respond to your request withing 45 days of receipt (if properly submitted). If we need more time to process and respond to your request, we will notify you of that fact along with the reason for the delay. In all cases we will complete your request within 90 days from the date of our receipt of your properly submitted request. If we decline to take action regarding your request, we will inform you of our decision and the reason for it, along with instructions on how you may appeal our decision.

Targeted Advertising

Sale of Personal Information.

Utah residents acting within their individual capacity may opt out of the sale of their personal information. 'Selling' means we exchange your personal information to third parties in exchange for money.

Based on this definition, we Do NOT sell your personal information to third parties.

Supplemental Residents of Virginia

This section applies to residents of the Commonwealth of Virginia in addition to all other applicable rights and information contained in this Policy. Virginia residents have following rights under the Virginia Consumer Data Protection Act (VCDPA) and other applicable Virginia laws:

To confirm whether or not we are processing your personal information.
To access your personal information and obtain a copy of it (where the processing is carried out by automated means).
To correct inaccuracies in your personal information.
To delete the personal information we have collected from or about you.
To opt out of the processing of your personal information for purposes of targeted advertising.
To opt out of the sale of your personal information.
To opt out of profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. You can submit an opt out request here.

Exercising Your Privacy Rights

You may make a request at any time to exercise your privacy rights listed above by:

Contacting us at (855) 420-0747
Emailing compliance@kafene.com
Selecting Your Privacy Choices on our Website

We will respond to your request withing 45 days of receipt (if properly submitted). If we need more time to process and respond to your request, we will notify you of that fact along with the reason for the delay. In all cases we will complete your request within 90 days from the date of our receipt of your properly submitted request. If we decline to act regarding your request, we will inform you of our decision and the reason for it, along with instructions on how you may appeal our decision.

Targeted Advertising

Sale of Personal Information.

Virginia residents acting within their individual capacity may opt out of the sale of their personal information. 'Selling' means we exchange your personal information to third parties in exchange for money.

Based on this definition, we Do NOT sell your personal information to third parties.

Supplemental Residents of California

This section applies to residents of the State of California in addition to all other applicable rights and information contained in this Policy.

California law requires that we describe the personal information we collect, disclose, and sale/share based on certain defined categories. To be clear, this chart overlaps with the description of our processing practices described above. This chart below describes our practices covering the past 12 months.

We will not collect a category of Personal Information not listed above, or use any Personal Information collected in any of the above categories for a business purpose not listed above, without first providing you with notice.

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Your Rights Under the California Privacy Rights Act

California Residents have certain rights under the CPRA, including the following:

Access. You have the right to know what personal information the business has collected about you. While our California Privacy Policy details the personal information we collect about all California consumers, you have the right to make a request to know and get access to information that is specific to you, should we have any.
Deletion. You have the right to request that we delete personal information we have collected from you, subject to certain exceptions. For example, we will not delete any personal information required to provide our services to you or that we must maintain to comply with our legal obligations. We will notify you following submission of your request if this is the case.
Correction. You may request that we correct inaccurate information we maintain about you, subject to some exceptions and, if necessary, independent verification.
Opt-Out of the Sale/Sharing of Your Personal Information. If we have sold or shared personal information about you, you have the right to opt out of the sale or sharing of that personal information.
Limitation. In some instances, you have the right to limit our use or disclosure of Sensitive Personal Information.
Non-Discrimination. You have the right not to be discriminated against if you exercise any of the rights conferred by the CPRA. Please note that a legitimate denial of a request for information, deletion, or to opt out is not discriminatory, nor is charging a fee for excessive or repetitive consumer requests as permitted by the CPRA.

Exercising Your CPRA Rights

Submitting Access, Deletion, and Correction Requests

To make an access, deletion, correction, or limitation request, please use our online request form/portal Your Privacy Choices, email us at compliance@kafene.com, or call us at (855) 420-0747.

After we receive your request, to ensure the security of the information we store and consumers’ privacy, we will verify that you are appropriately affiliated with the subject of the request, either as the consumer or as an authorized agent or guardian of the consumer. We may ask you to provide a few pieces of information to confirm your identity in our records.

You may designate an authorized agent to exercise your rights under the CCPA on your behalf. You must provide the authorized agent written permission to exercise your rights under the CPRA on your behalf and we may deny a request from an agent on your behalf if we cannot verify that they have been authorized by you to act on your behalf. Even if you use an authorized agent to exercise your rights under the CCPA on your behalf, pursuant to the CCPA we may still require that you verify your own identity directly to us. This provision does not apply if you have provided a power of attorney under the California Probate Code.

Opting Out of the Sale/Share of Your Personal Information

As described in our privacy policy, share personal information with our third parties or other business partners.

As described in our privacy policy, we Do not sell or share personal information with our third parties or other business partners.

Limiting the Use of Your Sensitive Personal Information

To limit the use and disclosure of your Sensitive Personal Information, please click Your Privacy Choices.

Personal Information of Minors

Our Site, social media, and other business offerings, including our services, are not intended for children or minors under the age of 18+ years old without express consent or authorization from a parent or a legal guardian. Accordingly, we do not knowingly sell the personal information of minors under the age of 18+ . If you believe that we have unintentionally received personal information about a minor under the age of 16 years old, please contact us at compliance@kafene.com .

Additional California Privacy Rights

California Civil Code Section § 1798.83 permits users of our web site that are California residents to request certain information regarding our disclosure of personal information to other parties for their direct marketing purposes. To make such a request, please send an email to compliance@kafene.com with the subject 'Shine the Light Request.'

Changes to Our California Privacy Policy

Kafene, Inc. reserves the right to amend this California Privacy Policy at our discretion and at any time. When we make changes to this California Privacy Policy, we will post an updated notice on our website with the effective date.

Contact Us Regarding Your Privacy Rights

If you would like additional information regarding our California Privacy Policy or your privacy rights generally, please email us at compliance@kafene.com. Please submit your CPRA rights requests using the methods described above.