XB Terms of use

Kiva Terms of Use Agreement

(Last updated 6/1/2016)*

*Substantive changes from the prior version will generally be highlighted below for at least one month.

Welcome to Kiva Microfunds, a California non-profit public benefit corporation (together with its affiliates, officers, directors, agents, employees, representatives, partners and their respective affiliates, collectively, "Kiva"). This Terms of Use ("Agreement") is a contract between you ("you") and Kiva and governs your access and use of the kiva.org website and all other websites owned and operated by Kiva that have this Agreement posted (collectively, the "Website"), including, but not limited to, all transactions conducted on the Website and all Kiva services provided in connection with the Website. By accessing or using the Website, you signify that you have read all of the terms and conditions in, and linked to, this Agreement (including the Privacy Policy), and you agree to be bound by this Agreement, whether or not you participate in Kiva's microlending program or related programs, services or activities (collectively, the "Program") or otherwise access or use the Website (in each such capacity, a "User"). If you do not agree with all of the terms and conditions in this Agreement, please do not participate in the Program or access or use the Website.

This Agreement supersedes any previous agreement to which you and Kiva may have been bound (provided that if you are a Borrower, Trustee, Field Partner or Lender who has a separate written agreement with Kiva, the terms of that separate agreement will control with respect to any provision that conflicts with this Agreement). This Agreement may be modified by Kiva in its sole discretion from time to time and such modifications shall automatically become part of this Agreement and shall be effective once posted by Kiva on the Website (as indicated by the posted update date). Your participation in the Program and use of the Website will be subject to any such modifications. You should review the Website and this Agreement from time to time for any modifications. If you do not agree with any such modifications, please immediately terminate your registered Kiva account, if any, as outlined in Section 8 below, and please immediately stop participating in the Program and accessing and using the Website.

This Agreement is divided into the following sections:

1. Participation in the Program
2. Additional Website Features
3. Acceptable Use
4. Proprietary Rights
5. Disclaimers; Limitation of Liability
6. Governing Law; Resolution of Disputes; Arbitration and Waivers
7. Indemnity
8. Term; Termination
9. Entire Agreement; Severability; Assignment


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