Our Privacy Commitment
Effective: January 1, 2019
This policy answers the following questions:
What information do we collect about you and how do we use it?
Types of Information We Collect
Personal information means information that can be used to identify and contact you. Examples of personal information include your full name, address, IP address, and Social Security number. You do not need to submit personal information to access the Service generally. However, you may be required to submit personal information to access certain aspects of the Service.
We collect personal information when you purchase services through the Service; create an account; subscribe to our newsletter; participate in registration forms, feedback forms or surveys; receive customer or technical support; or participate in components of the Service through which users may submit content.
To create an account through the Service, we require you to provide (i) if you are a renter, certain personal information about yourself (name, email address, password, phone number, date of birth, social security number, property address and prior property address), personal information of your landlord or property manager (name, phone number and address), rental information (rent amount and payment dates) and any information necessary for us to verify and validate the information with your landlord or property manager and (ii) if you are a landlord or property manager, your personal information and personal information of your tenants, and rental information. Some of the personal information we collect when you register, like your social security number, is required by the credit bureau to verify your identity. Your contact information will only be made available to other users as authorized by you in connection with the property address you submit.
When purchasing services through the Service, you will also be required to provide a credit card number, billing address, phone number or other payment information. No information of this type will be collected unless you have registered for aspects of the Service that require it.
By submitting personal information through the Site, you authorize Koi.Credit to share this personal information for the purposes identified herein and on the Site, such as responding to user inquiries, processing transactions, distributing materials, and requesting feedback. In addition to the information that you provide to us, we automatically record other personal information such as your browser type and the date and time of Service access. This information may be aggregated to measure the number of visits, average time spent, page views, and other statistics about users of the Service. We also may use this data to monitor the Service’s performance and to make the Service easier and more convenient to use. We will elaborate further on the details of automatic collection below.
Third Party Privacy Policies
How We Use Your Personal Information
We may use your personal information with other information that we have collected, whether through the Services or from third parties, to tailor our content to you and to offer you opportunities to consider financial products or services that we believe may be of interest to you, such as credit card offers. We may process your personal information in a manner such that the end-product does not personally identify you or any other user of the Service. We may make your personal information non-personally identifiable by either combining it with information about other users (aggregating your personal information with information about other users), or by removing characteristics (such as your name or email address) that make the information personally identifiable. This process is known as de-personalizing your information (the “De-Personalized Information”). You grant us a royalty-free, worldwide, perpetual, fully paid-up, sublicenseable, irrevocable, non-exclusive and fully transferable right and license to use your personal information in connection with the creation and development of De-Personalized Information and analytical and statistical analysis tools relating to the use of the customer data we collect in providing the Service (the “Analytical Data”). We are expressly authorized to make any commercial use of the De-Personalized Information and Analytical Data, including without limitation, sharing the De-Personalized Information and Analytical Data with third parties, provided that we do not sell, trade, or otherwise transfer from us any part of the information or data that personally identifies any Service users.
Do Not Track
In compliance with California legislation, AB370, effective January 1, 2014, Koi.Credit’ practices in responding to “do not track” signals and collecting user information over time and across a network of websites when you visit the Site are as follows: We honor the request of “do not track” signals sent by your browser when you visit the Site. Additionally, Koi.Credit does not collect user information about your online activities over time and across different websites, or authorize third parties to do so.
Koi.Credit uses Google Analytics to help us learn about who visits the Site and what pages are being viewed.
Our servers automatically record information that your browser sends whenever you visit the Site. This information includes your Internet Protocol address, your browser type and version, the search engine you used to find the Service, if any, which aspects of the Service you use and from where, and when and how long you use them. We use this information to monitor and analyze how users use the Service, to provide customer service and to maintain and improve the Service. We may also collect similar information from emails we may send to you which then help us track which emails are opened and which links are clicked by recipients. The information allows for more accurate reporting and improvement of the Service.
We do not knowingly collect personal information from children under 13, or allow them to create an account for the Service. We take children’s privacy seriously, and encourage parents to play an active role in their children’s online experience at all times.
Will we share your personal information with third parties?
First, we want to be clear about how we do not share information about you:
- We do not sell or rent Personal Information to unaffiliated third parties for their advertising or marketing lists.
Sharing Your Information
- Asset transfers. If we become involved in a merger, acquisition or other transaction involving the sale of some or all of Koi.Credit’ assets, user information, including personal information collected from you through your use of the Service, could be included in the transferred assets. Should such an event occur, we will use reasonable means to notify you through email and/or a prominent notice on the Site.
- Publicly Posted Information We may share information that is publicly posted by you. Examples of such instances include, but are not limited to: reviews, suggestions, questions, surveys, and comments posted on other sites and forums. Should we decide to share your publicly posted information on our Site, we will notify you via email. Should any issues arise as a result of sharing your publicly posted information, we will need to be notified, at which point we will prevent or remove the sharing of this information.
Additional Information You Should Know About Third Parties
What choices do you have about the collection and use of your personal information?
Control of Your Information
You may update or delete your personal information or modify your account preferences for the Service by accessing the account interface provided through the Service. Please note that if you disable your account, we will keep your contact information on file, and may retain other account information for a reasonable period of time afterward for the purpose of internal account management and fraud prevention.
Opting Out of Receiving Communications From Us
Koi.Credit uses a “single opt-in” method for sending you email and SMS messages. When you register for an account, you explicitly authorize us to contact you via email and SMS messages. If you no longer want to receive our emails and/or SMS messages, you may unsubscribe by writing to us at [email protected] or following the “unsubscribe” link at the bottom of our emails. You may also request that we stop sending SMS messages by sending “STOP” to the SMS message you have received. Please note that you cannot unsubscribe from certain correspondence from us, including messages relating directly to your account. Please also note that opting out will not apply to any communications from third parties to whom Koi.Credit may have provided information regarding the user. Third parties’ use of the information is subject to such parties’ own privacy policies, for which Koi.Credit shall not be responsible.
What security measures do we take to safeguard your personal information?
The personal information that you provide to us is stored on servers which are protected by protocols and procedures designed to ensure the security of such information. We restrict access to personal information to Koi.Credit employees, independent contractors and agents who need to know this information in order to develop, operate and maintain the Service. All Koi.Credit personnel who have access to sensitive information such as Social Security numbers are trained in the maintenance and security of such information to prevent their mishandling. However, no server, computer or communications network or system, or data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect user information, we cannot ensure or warrant the security of any information you transmit to us or through the use of the Service and you acknowledge and agree that you provide such information and engage in such transmissions at your own risk. Once we receive a transmission from you, we will endeavor to maintain its security on our systems.
In the event that personal information you provide to us is compromised as a result of a breach of security, when appropriate we will take reasonable steps to investigate the situation, notify you and take the necessary steps to comply with any applicable laws and regulations.
Notification of Changes
Questions? Contact Us
Version 1.1.0. Last Modified on Jan 15, 2018