XB Privacy Policy

Privacy Policy

(Last updated 12/14/2018)

This Privacy Policy, together with our Terms of Use, describes the types of personal information we collect and how we use that information. It also describes the choices available to you regarding our use of your personal information and how you can access, update, and restrict our use of your information.  By accessing our website at www.kiva.org (the “Website”), you signify that you have read this Privacy Policy, and you expressly consent to our collection, use, disclosure, storage and protection of your personal information as described in this Privacy Policy.  Capitalized terms used but not defined in this Privacy Policy have the meanings defined in our Terms of Use.

Who We Are

Kiva Microfunds (together with its subsidiaries — collectively, “Kiva,” “we,” or “us”) provides an online platform to connect people through lending. We are a California nonprofit public benefit corporation with headquarters in San Francisco, California and Portland, Oregon.

Personal Data We Collect (and How We Collect It)

Basic Personal Information. When you create an account on the Website, we collect your name, email address, and a means to authenticate your account (for example, a password). You may also choose to provide additional information, such as your location, a picture, your address, and your payment account identifying information.  We may receive some information about you from other Kiva Users (for example, if they invite you to use the Program, or in order to deliver a Kiva Card purchased for you) and from third-party payment processing providers like PayPal (for example name, payment account email address, and in some cases physical address).

Transaction Activity.  We record information about the Loans you make through the Program, individually (for example, amount and recipient of a Loan) and in the aggregate (for example, number of Loans made and distribution by gender, country, and sector).  We also collect information on any donations you make to Kiva (whether through the Website or offline).  If you purchase a Kiva Card, we collect information about your purchase (for example, your name, the purchase date, and the amount) and information you provide about your recipient (for example, name and email or physical address for delivery).  If you redeem a Kiva Card, we record (and may disclose to the purchaser) your Lender profile and the date you redeem the Kiva Card.

Loan Application and Borrowing Activity.  If you apply to borrow funds through the Program, we collect information you provide (for example, photograph, email and physical address, phone number, description of business and finances, personal references, desired loan terms, payment account, and certain demographic information), as well as information from third parties (such as your personal references, your Kiva Trustee, credit reporting agencies, and public Internet searches).  If you are approved to borrow, we record information on individuals you invite to become Lenders, whether or not your Loan is successfully funded, repayments you make, updates you provide to Lenders, and your correspondence with Kiva.

Other Use of Kiva’s Website and Features.  We may collect other information you choose to provide in order to facilitate your participation in the Program or use of Website features.

    • If you make changes to your Kiva account preferences (for example, receiving marketing information from us, instructions on whether to automatically lend funds in your account, and whether to donate inactive account funds), we record that information.
    • If you join a lending team, we collect information on the Loans you attribute to the team and any comments you post to the team message board.
    • We also collect comments you post to any other Web page hosted by Kiva (such as a Loan page, blog, or volunteer forum), or through Kiva’s Lender messaging feature.
    • If you invite a friend to use the Website, we will ask you for your friend’s name and email address. Kiva stores this information for the sole purposes of sending your friend a one-time email inviting him or her to visit the Website, giving you the ability to send your friend reminders, and tracking the success of our referral program. If you choose to import contacts from your email account address book to invite friends to our Website, we or our service providers will collect your email, username, and password and we will only use them for that purpose.

Other Interactions with Kiva. 
    • If you contact Kiva customer service, we will collect the information you provide (for example, your name, email address, physical address, phone number and comment) in order to respond to you.
    • If you submit an application to Kiva (for example, to be an employee, volunteer, or Trustee), we collect the information you submit (for example, name, phone number, resume, cover letter, and position of interest) to review your application and follow up with you.
    • If you participate in a survey or other promotion, we may request certain personal information from you (for example, name, address, and demographic information).

Social Media Accounts.  If you choose to access the Website through your Facebook account, you grant Kiva permission to access your public Facebook information (including account email address and photograph) and to use other information about you from Facebook in accordance with the Facebook terms of use, our Terms of Use and this Privacy Policy. This information includes a list of your Facebook friends who also use Kiva, and whether you opt to show your Kiva lending activity to your friends through Facebook.  Kiva may from time to time offer similar third-party integrations with other social media sites.

Technical Data.  Regardless of whether you have a Kiva account, we use tools like cookies and web beacons to collect data on your behavior when you visit the Website.  Please see our Cookie Policy for more detailed information.  If you have enabled cookies in your browser, Kiva, independently and through third-party tools and programs (such as Google Analytics), collects certain technical information (for example, your path to the Website, pages visited, originating IP address, device type, browser type, browser language, and the date and time of your visit).  We use these tools to analyze data to improve User experiences and prevent fraud. Please note that many internet browsers offer a Do Not Track (DNT) setting; because there is no industry or legal standard for DNT signals, Kiva does not respond to them. 

If you provide information to us about individuals other than yourself, you must ensure that they have given their permission for you to disclose the information to us and for you to allow us to use it in the ways described in this Privacy Policy.

Accessing and Updating Your Personal Information


You have the right to access the personal data Kiva has on you.  You can view this information through your Kiva account.  You also have the right to request that we provide some of your personal data to you (or to another third party), in a machine-readable format.  To make such a request, or if you have additional questions about information Kiva has collected on you, please reach out to us at contactus@kiva.org.

If your personal information changes, you may update, amend, or remove certain information by signing into your Kiva account and making the change in your account settings, or by contacting Kiva.  We will respond to your requests within 30 days.

How Kiva Uses Your Personal Information


We will only collect and use your personal data (i) to carry out the terms of a contract we have entered into with you (including providing our services pursuant to our Terms of Use), (ii) where you have given consent, or (iii) where we have a legitimate interest in conducting our operations, such as:
    • to personalize your experience using the Website and to communicate with you about your transactions or other Website activity;
    • to respond to your comments or inquiries to Kiva customer service;
    • to contact you (including via email) with general information about our initiatives, marketing campaigns, surveys or other promotional activities;
    • to analyze and improve our services and communications;
    • to monitor compliance with our policies and standards, and to improve security;
    • to deliver an invitation to use the Website or a Kiva Card purchased for you by another User;
    • to process applications for employment or volunteer positions;
    • to comply with applicable law or court orders and to exercise or defend our legal rights or the rights of others.

We do not use your personal data for making any automated decisions.  Where we need your personal information in order to provide our services or otherwise process your instructions and you fail to provide that information, we may not be able to carry out your instructions or deliver our services pursuant to our Terms of Use. In some cases you may not be able to open a Kiva account, or we may be required to close your account.

Disclosure of Your Personal Information

Kiva does not sell or rent your personal information to third parties.  We may share your personal information in the following circumstances:
    • Publicly, to the extent described in the section below (Information Displayed Publicly).
    • In order to comply with applicable law, regulation, legal process, or governmental request, or to otherwise protect the rights, property, and safety of Kiva, Users, and others.
    • With our affiliates and service providers, agents and representatives in connection with their provision of services to Kiva (for example, account authentication, facilitating Website functionality, processing transactions, distributing Kiva emails, conducting surveys, managing employment applications, and monitoring Website traffic and security). All such access shall be under appropriate confidentiality agreements and limited to use to provide services to Kiva to help us further our mission.
    • With third parties providing integrated Website features that you choose to use (for example, Facebook and Twitter) to allow you to share information about your Loans or other Website activity.  Please note that we may withhold or withdraw information related to Loans you have made to the extent necessary to protect the privacy of borrowers.
    • As part of Kiva’s API, which is a service Kiva provides to allow third parties to develop applications and features using information from the Website and Program (“Third Party Applications”).  The Kiva API may share any information that you display publicly on the Website, and if you authorize a Third Party Application to use your non-public information from the Website (for example, the amount of your available Kiva Credit and outstanding Loans) the API may share the non-public information with such Third Party Application.  Third Party Application developers have agreed to the Kiva API Terms of Service or a separately negotiated agreement, which contain restrictions on the use of your information.  Despite these agreements, Kiva does not screen or audit Third Party Applications, and we cannot guarantee that third parties will abide by their agreements.  You can revoke permissions that you have granted to a Third Party Application through your Kiva account settings.
    • If you apply to be a Kiva fellow, we may disclose your application information to our Field Partners in order to help evaluate your application and placement.
    • Aggregated or pseudonymized data that does not directly identify you may be shared with third parties for educational, informational or promotional purposes in furtherance of Kiva’s mission.

Information Displayed Publicly

Lender Profile.  When you create a Kiva account, the default setting is to have a public profile on the Website.  You have the option of changing your profile setting to “anonymous,” which will hide your profile from the public.  A public profile displays your first name, area of residence (city, state/province and country), picture, public Lender page URL, and the date on which you created a Kiva account.  Other information you choose to provide (for example, your occupation, the reasons why you lend, a description of your work, and your website), will be publicly displayed as well.  If you have performed work for Kiva (for example as a Kiva Fellow), information related to this work may be automatically included on your public profile.

Lending Activity.  Once you begin to make Loans, your public profile will automatically display information about the Loans to which you have contributed, and your name and picture will be displayed on the pages for those Loans.  Kiva may also publicly display your Loan activity, either in a personally identifiable or anonymous manner (depending on your profile setting at the time of such display), for example, as part of a visualization of the current or historical activity on the Website.

Invitees.  If you invite other people to use Kiva, the profiles of those who have accepted your invitations and created an account on the Website may be displayed on your public profile as accepted invitees. In turn, if you have accepted an invitation from another Kiva user, your public profile may be displayed as an accepted invitee on the profile page of the person who invited you.

Lending Teams.  If you join a lending team and you have a public profile, information about your lending team(s) will be displayed on your profile. In turn, you will be displayed as a member (and a captain, if applicable) of the lending team on the team’s page either in a personally identifiable or anonymous manner (depending on your profile setting) along with the date you joined the team. The Loans you have attributed to a lending team (individually and in the aggregate) also will be displayed on the team’s page as Loans made by that team.

Borrower Profile.  If you are approved to raise a Loan as a Kiva borrower, some of the information you provided in your application will be displayed publicly on your Loan page on the Website (for example, your first name, business name, picture, location, written narrative, and amount of your Loan request).  The status of your Loan request will also be publicly displayed (for example, fundraising, fully funded, expired, or ended).  If your Loan is fully funded, your repayment schedule and repayment activity will be viewable by your Lenders and Trustee (if applicable), including information on whether you have missed repayments or are in default.

Lender Messaging Feature.  If you send a message to another User through Kiva’s Lender messaging feature, your name, location, and a link to your public profile will be made available to the recipient along with the content of your message.

Public Forums. Kiva hosts various publicly accessible blog pages and community forums. Any information you provide in these areas may be viewed by others who access them.

How Long We Keep Your Personal Information

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for.  Our standard retention periods are as follows:

 
    • Personally identifying data of Kiva Lenders, including profile information, account activity, and Website browsing data: deleted when Lender’s account becomes inactive (as defined in Kiva’s Terms of Use).
    • Cookies and other Website browsing data (including IP addresses) of Users who do not have a Kiva account: deleted no later than two years from date of collection.
    • Communications with Users who have contacted Kiva via email: deleted two years after the User’s last message to Kiva.
    • Applications for employment or volunteer positions with Kiva: deleted no later than three years after application date.
    • Contact information and donation history of offline donors: kept for as long as may be relevant to facilitate donations.
    • Personal data of Kiva borrowers: kept indefinitely for data integrity and fraud prevention purposes.


Kiva reserves the right to retain indefinitely data that does not directly identify you, for example, aggregated or anonymized data.

How to Limit Our Use of Your Personal Information


In certain circumstances, you have the right to restrict Kiva’s use and storage of your personal information.  For instance, you may ask us to erase your personal data when it is no longer necessary for the purposes for which it was collected.  If our collection and use of certain personal information is based on your consent, you have the right to withdraw your consent.  In such case, we will no longer process your information unless there is another legal ground to do so.  You may ask us to limit our use of your personal data or to erase your personal data by contacting us at contactus@kiva.org.

As certain personal information is necessary for your participation in the Program, we will be unable to delete that information unless you choose to close your Kiva account. You may close your account at any time and for any reason by sending a written notice of termination to Kiva along with instructions for the disposition of your then-available Kiva Credit and any additional credits that you may receive in the future (for example, repayments toward then-outstanding and active Loans), such notice to be effective within three days of receipt by Kiva.

Security of Your Personal Information

Kiva takes reasonable steps to maintain appropriate physical, technical and administrative security to help prevent loss, misuse and unauthorized access, disclosure or modification of personal information.  While we take these reasonable efforts to safeguard your personal information, no system or transmission of data over the Internet or any other public network can be guaranteed to be 100% secure. 

Electronic Communications and Emails


You will receive certain notices and information based on your account status or activity (collectively, "Communications") from Kiva (for example, confirmations of Loans or donations you have made, statements with respect to the amount of Kiva Credit available in your account, confirmation of email address or password changes, and inquiries regarding activity in your account). By creating a Kiva account, you agree that all Communications from Kiva relating to your use of the Website and participation in the Program may be made electronically by email or at the Website (although we reserve the right to provide you with certain Communications through physical mail). To access the Communications, you will need to use a computer with Internet Explorer 10.0 or above, Chrome 4.0 or above, Safari 4.0 or above, Opera 10.0 or above or Firefox Internet browsers and with hardware capable of running these browsers. You may withdraw your consent to receive Communications electronically by contacting Kiva as described below. However, if you withdraw your consent to receive electronic Communications (other than for the optional emails described below), you will not be able to fund any additional Loans through the Website. The withdrawal of your consent will not affect the legal validity of electronic Communications provided before you withdraw your consent, or in connection with any of your Loans that have not been fully repaid by the time you withdraw consent.  It is your responsibility to inform Kiva of any changes to your email address so that you continue to receive all Communications without interruption. You may request a paper copy of any electronic notice from Kiva by sending an email to contactus@kiva.org, including your name and the address to which you would like the paper copy sent.
 
By default, you will receive the following types of optional emails from Kiva: news and promotions, portfolio and balance updates, and Loan and borrower updates. Note that if you have a public Lender profile, other Users will be able to send you messages through the Website.  You have the right to object to receiving these optional emails from Kiva, and you can stop receiving them by clicking an “unsubscribe” link in an email, or by changing your email preferences in your account settings.

Third Party Applications and Links to Other Websites

If you follow any links on the Website that take you to a third-party site (for example, PayPal, Facebook, or Twitter), this Privacy Policy no longer applies.  The privacy practices of other websites and other parties are governed by their respective terms of use and privacy policies.


Kiva makes an API available to third-party developers, who may from time to time create Third Party Applications (as defined above).  Third Party Applications are not created or maintained by Kiva, and their use of your information is governed by their own terms of service and privacy policies (whether you provide your information to these third parties directly or through the Kiva API).  Kiva gives no guarantees or warranties with respect to any Third Party Application and is not responsible for your use or inability to use any Third Party Application, including without limitation the content, accuracy, reliability or security of Third Party Applications or the privacy practices or other policies of third parties.  Please let us know at contactus@kiva.org if you suspect a Third Party Application is misusing your information.

Location of Data

Kiva collects and stores all data in the USA. Your personal information may be accessed by Kiva, our affiliates, service providers, agents, and representatives in the USA or elsewhere in the world.  Kiva will abide by this Privacy Policy regardless of where your personal information is processed or stored.

Children Under the Age of 13


The Website is intended to be used by adults. It is not intended for children, and Kiva does not want to collect any personal information about individuals under the age of 13. Kiva recommends that parents do not post, or permit others to post, any personally identifiable information with respect to children under the age of 13. If you believe that we have any information from a child under age 13, please let us know at contactus@kiva.org.

Contact Details

We take privacy seriously and we value yours. For additional information, or if you have any questions regarding this Privacy Policy or the privacy practices at Kiva, please submit your questions or comments directly to contactus@kiva.org via email. You can also send questions or comments to:

Kiva Microfunds
Attn: Privacy Policy
875 Howard Street, Suite 340
San Francisco, CA 94103

If you believe that any of your rights with respect to your personal data have been breached, you may also lodge a complaint with the appropriate supervisory authority or seek a remedy through the courts.

Changes to this Privacy Policy

Kiva may update or modify this Privacy Policy from time to time. We will note the previous date of any such changes at the top of this policy. If we make any material changes we will notify you by email or by means of a notice on this Website prior to the change becoming effective. Please be sure to check this page periodically for changes.

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