Privacy Policy

1. Introduction

KinectCredit (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information about you when you use our website, applications, and services (the “Platform”).

By using the Platform, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Platform.

2. Information We Collect

Information you provide directly

  • Identity: name, date of birth, Social Security Number (for identity verification and credit decisioning only)
  • Business details: legal business name, EIN, address, industry, time in operation
  • Financial details: estimated and verified revenue, bank account data (via Plaid or bank statements)
  • Contact details: email address, phone number, mailing address

Information collected automatically

  • Usage data: pages visited, features used, time on Platform, click behavior
  • Device data: IP address, browser type, operating system, device identifiers
  • Cookies and similar tracking technologies

Information from third parties

  • Credit bureaus — for soft and hard credit inquiries
  • Plaid — bank account ownership, transaction history, average balance data
  • Identity verification providers — document scans, liveness check results
  • Fraud prevention and KYB/KYC service providers

3. How We Use Your Information

  • To evaluate and process your application for a line of credit
  • To verify your identity and the identity of your business
  • To service your account, process payments, and communicate with you
  • To comply with applicable federal and state laws and regulations
  • To detect and prevent fraud and unauthorized activity
  • To improve our Platform and develop new features
  • To send service communications and, with your consent, marketing communications

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

  • Service providers operating under data processing agreements (including Plaid, identity verification providers, payment processors, and cloud infrastructure providers)
  • Our bank partner(s), as required for loan origination and servicing
  • Credit bureaus, for credit reporting purposes
  • Law enforcement or regulatory authorities, when required by law or legal process

FILL IN: Insert name of bank partner(s) here once confirmed with legal.

5. Data Retention

We retain your information for as long as your account is active and for the period required by applicable law following account closure.

FILL IN: Confirm exact retention periods with legal/compliance — typically 7 years for financial records under federal requirements.

6. Your Rights and Choices

FILL IN: This section must be tailored by your attorney based on the states you operate in. California (CCPA/CPRA), Virginia, Colorado, and other states have specific consumer privacy rights that must be addressed.

Depending on where you live, you may have the right to:

  • Access the personal information we hold about you
  • Correct inaccurate information
  • Request deletion of your information (subject to legal retention requirements)
  • Opt out of marketing communications

FILL IN: California-specific rights language (CCPA/CPRA) to be provided by legal counsel.

To exercise your rights, contact us at:

FILL IN: Privacy contact email — e.g. privacy@kinectcredit.com

7. Security

We use 256-bit SSL/TLS encryption for data in transit, AES-256 encryption for data at rest, and maintain SOC 2 Type II certification. No system is completely secure, and we cannot guarantee absolute security.

8. Cookies

We use cookies and similar technologies to operate and improve the Platform.

FILL IN: Add full cookie policy language, or link to a separate Cookie Policy page. Your attorney will advise on what’s required based on your user base and any applicable privacy laws.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated Policy on the Platform and updating the Last Updated date. Continued use of the Platform constitutes acceptance of the updated Policy.

10. Contact

KinectCredit, Inc.
333 W Wolf Point Plaza
Suite 1200, Chicago, IL 60654
Email: privacy@kinectcredit.com
Phone: +1 (312) 555-0198