Effective December 7, 2018

At Kindur, we take seriously our responsibility to protect the privacy and confidentiality of information about you. Kindur is committed to earning and maintaining your trust by safeguarding your Personal Information and making its protection a priority. Your “Personal Information” is data that relates to you and can – either on its own or in combination with other information – identify you as an individual.

This Privacy Policy describes how Kindur Services Inc., a Delaware corporation doing business as Kindur, and its subsidiaries and affiliates (collectively “Kindur,” “the Company,” “we” or “us”) collect, use, disclose, share and protect information of users or visitors to our website, www.kindur.com (the “Site”), or users of our mobile applications (each an "App") (the Site and Apps are collectively called the "Platform") as well as any associated services which are provided through the Platform (the “Services”).

By using or accessing the Platform and/or the Services, you consent to the collection, use and disclosure of your information as outlined in this Privacy Policy.

How We Collect Information

We get information about you in a range of ways.

Information You Give Us.

We collect certain information directly from you, such as when you fill out forms on the Platform. Types of information we may collect from you directly include your‎ name, mailing address, email address, phone number, username, password, demographic information (such as your occupation, gender, race or nationality), social security number, driver’s license numbers (or comparable state-issued ID numbers), tax ID number, financial account information, as well as other information you give us on our Platform.

Information you provide us may also include user created content such as messages, comments, photos, audio or video that you post, upload, submit, share or otherwise provide on or through the Platform (“User Content”). The posting of User Content is subject to our Terms and Conditions .

Information Required by Law

To help the government fight the funding of terrorism and money laundering activities, federal law requires certain institutions to obtain, verify, and record information that identifies each person who opens an account. We will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Information Automatically Collected.

In addition to the Personal Information described above, we also may automatically collect information about the devices accessing our Platform. Some examples of this type of information include: type of device and browser you use, the type of operating system, IP addresses, location, application information, unique device identifiers, pages you viewed, how long you spent on a page and crash data. The type of information we collect depends on the type of device used and its settings.

As another example, we may generate analytics based on your preferences, characteristics, use and interactions with the Platform. Our Services may then analyze such data and generate derivative data or aggregated data as well as reports and other output.

Cookies and Tracking Technologies

Like many websites and online services, we may use "cookies" (see below), log files, web beacon technologies and other automated tracking technologies to obtain certain types of information when a web browser, mobile application or other application accesses our Platform. A cookie is a small piece of data that we transfer to a computer's or other device’s memory for record-keeping purposes.

Aggregated Information

We may perform analytics on your preferences, characteristics, use and interactions with the Platform to generate aggregated information. Our Services may then analyze such aggregated information to generate derivative data as well as reports and other output.

How Is Your Information Used?

In general, we collect, use, store and process your information to provide, enhance and improve our Platform and Services, to develop new services, and to market our companies and the products and services we offer.

Here are some examples of how we use the information submitted, collected, received or generated about you:

· To operate, improve, maintain, administer and further develop the Platform and Services, and to operate and support our related business activities;
· To provide and deliver products and services that you request;
· To respond to comments and questions and provide customer service and user support;
· To send information including confirmations, account statements, invoices, technical notices, updates, security alerts, and support and administrative messages;
· To provide personalized experiences and recommendations, location customization, personalized help and instructions, or other targeted improvements of the Platform and Services;
· To communicate about promotions, upcoming events, and other news about products and services offered by us;
· To protect, investigate, and deter against fraudulent, unauthorized, or illegal activity as well as to address safety, security or technical issues;
· To better understand how users access and use the Platform and Services;
· To conduct quality control and to fix technical and other errors or problems;
· To conduct market research;
· o respond to user desires and preferences;
· To comply with applicable laws, rules and regulations and any regulatory mandate or court order;
· To protect the rights and property of Kindur, our agents, customers, and others, including enforcing our agreements, policies, and terms of use; and
· To use in any other manner, or for any other purpose, for which you have given express permission or consent to us.
· To the extent that you share your User Content through the Platform with our other users or public forums on the Platform, that User Content also may be shared by us with other users, larger groups of users and/or the public in general.

If you wish to subscribe to updates, news feeds or other materials we may distribute, we will use your name and email address to send these materials to you. Out of respect for your privacy, you may choose to stop receiving our materials or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact us at support@kindur.com.

We may use cookies or such other technologies to improve the quality of the Platform or Services, including for storing user preferences, better understanding how you interact with the Platform and Services and for any of the other purposes permitted in this Privacy Policy. You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use all portions or functionalities of the Platform or Services.

We may combine the information we collect (“aggregate”) or remove pieces of information (“de-identify”) to limit or prevent identification of any particular user or device to help with goals like research and marketing. Aggregated or de-identified information is not Personal Information and this Privacy Policy does not apply to our use of such aggregated or de-identified information.

When is Information Shared with or Disclosed to Others or the Public?

Kindur does not rent, sell, or share your information with third parties except as described in this Privacy Policy or as required by law.

In order to provide the Services and in connection with our everyday business purposes and activities, we may share your Personal Information with third parties who perform services on our behalf. Examples of these third parties and services include consumer identification verification services, public accounting firms and other professional firms, and certain other vendors and service providers who perform marketing, advertising, research and analytics services on our behalf. We have entered into agreements that require that these third parties keep your Personal Information confidential. We may also disclose your information to other third-party financial institutions (for example, if you ask to transfer assets from Kindur to another financial institution).

We may allow third parties to provide analytics services. These third parties may use cookies, web beacons and other technologies to collect information about your use of the Services and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information. This information may be used by us and third parties to analyze and track data, determine the popularity of certain content and other websites and better understand your online activity. Our Privacy Policy does not apply to, and we are not responsible for, third party cookies, web beacons or other tracking technologies; and we encourage you to check the privacy policies of these third parties to learn more about their privacy practices. For example, we use Google Analytics to help collect and analyze certain information for the purposes discussed above. You can learn more about Google Analytics’ data practices by clicking here and opt out of the use of cookies in web browsers by Google Analytics by clicking here.

We may allow third-party service providers to display advertisements to our users on third-party websites based on your browsing history by using cookies or other tracking technologies. To find out more about online advertising and your choices related to such advertising, please visit the Network Advertising Initiative (“NAI”) website and the Digital Advertising Alliance (“DAA”) website. You can opt out of such online based advertising by following the instructions below. Please note that the opt-out will apply only to the specific browser or device from which you opt out, and therefore you will need to opt out separately on all of your browsers and devices. If you delete or reset your cookies or mobile advertising identifiers, change browsers, or use a different device, any opt-out cookie or tool may no longer work and you will need to opt out again.

· Web Browser Opt-Out. To opt out in web browsers, please visit the opt-out pages of the Network Advertising Alliance and The Digital Advertising Alliance. To help preserve the choices that you make in the DAA’s WebChoices page, you can install the DAA’s “Protect My Choices” extension that is available here.

· Mobile Application Opt-Out. To opt out in mobile apps, you can adjust the advertising preferences on your mobile device (for example, in iOS, visit Settings > Privacy > Advertising > Limit Ad Tracking, or in Android, visit Settings > Google > Ads > Opt out of interest-based ads). You can also opt out for companies that participate in the Digital Advertising Alliance's AppChoices tool by downloading AppChoices here and following the instructions in the app. For more information about opting out on mobile devices, please see https://www.networkadvertising.org/mobile-choice.

We share Personal Information among our affiliates and business units when we believe it will help enhance the Platform or Services we can provide, but only in circumstances where such sharing conforms to the law, any applicable confidentiality agreements, and our policies and practices. Additionally, we reserve the right to share your Personal Information in connection with a corporate change including a merger, acquisition or sale of all or any relevant portion of our business or assets.

Finally, we may disclose Personal Information in specific other cases with your consent or per your instructions.

Security and the Protection of Your Information

Kindur is focused on protecting your information. We employ physical, technical, and administrative safeguards to keep your information secure. We use robust, industry-standard browser encryption, store all of your data on servers in secure facilities and implement systematic processes and procedures for securing and storing data. We limit access to your Personal Information to only those employees with authorized access who need to know the information in order to perform their jobs, and we require third parties who perform services for us to agree to keep your information confidential. Furthermore, if you choose to close your account or your account is terminated with us, we will continue to adhere to the privacy policies and practices outlined here. If you maintain an account with us that you access through our Platform, you are responsible for protecting and maintaining the confidentiality of your account and password and restricting access to your computer. While Kindur follows generally accepted standards to protect the Personal Information submitted to us, both during transmission and once we receive it, no method of transmission over the Internet, or method of electronic storage, is 100% secure and we cannot guarantee its absolute security.

Accessing or Changing Your Information

If the Personal Information on file for you changes, or if you no longer desire access to our Platform or Services, you may update your information by contacting us at support@kindur.com.

We will retain copies of your Personal Information in a form that permits identification for as long as we deem necessary in connection with the purposes set out in this Privacy Policy, unless applicable law or regulation requires us to preserve this information for a longer or shorter period. In particular, we will retain and use your information as necessary to comply with our legal and/or regulatory obligations, resolve disputes, and enforce our agreements.

International Visitors

Our Platform and Services are hosted in the United States and are only intended for residents of the United States. If you use our Platform or Services from the European Union, Asia or any other country outside the United States with laws or regulations governing personal data collection, use and disclosure that differ from the United States laws and regulations, please be advised that through the continued use of the Platform and Services, you are (i) permitting the transfer of your personal information to the United States; and (ii) permitting the use of your personal information in accordance with this Privacy Policy.

Links to Other Services and Applications

Our Platform and Services may contain links to, interoperate with, and allow you to share content to and from third party services, websites and applications. The fact that we link to a website, service or application or allow you to share content with or through these third parties is not an endorsement, authorization or representation that we are affiliated with that third party, nor is it an endorsement of their privacy or information security policies or practices. Other websites, services and applications follow different rules regarding the collection, use, storage or disclosure of personal and other information. We encourage you to read the privacy policies or statements of the other websites, services and applications you use.

Other Information for You

Former Customers

If you are a former customer, these policies also apply to you; we treat your information with the same care as we do information about current customers.

How We Respond to Do Not Track Signals

Online tracking is the collection of data about an individual’s Internet activity used to deliver targeted advertisements and for other purposes. Customers using certain modern browsers have the ability to activate a “Do Not Track” signal. Kindur does not currently respond to “Do Not Track” signals.

How You Accept This Policy

By using and continuing to use the Platform and Services, or otherwise providing us with Personal Information (such as an email address) you agree to the terms and conditions of this Privacy Policy and any updates thereto. This policy may change from time to time. This is our entire and exclusive Privacy Policy and it supersedes any earlier version. Our Terms and Conditions take precedence over any conflicting Privacy Policy provision.

Changes to the Policy

We may modify this Privacy Policy over time without prior notice by posting a new version of this Privacy Policy, which is your responsibility to review. Any changes to the Privacy Policy will be reflected on this page and will become effective immediately upon posting. We encourage you to periodically review this Privacy Policy to stay informed about how we are protecting the Personal Information we collect. Please check the last updated date at the beginning of this Privacy Policy to determine if there have been any changes since you have last reviewed the Privacy Policy.

Our Policy Toward Children

In order to use the Platform and other Services you must represent and warrant that you are over the age of 18 in the sign-up process. Children under the age of 18 are not eligible to use the Services and must not attempt to sign-up with the Services and/or submit any Personal Information to us. We do not knowingly collect Personal Information from any person who is under the age of 18 or allow them to register. If it comes to our attention that we have collected personal data from a person under the age of 18, we will delete this information as quickly as possible.

Limitation of Liability

Even though we have taken reasonable commercial steps and efforts to prevent your Personal Information and other information covered by this Privacy Policy from being accessed, used, intercepted or disclosed by unauthorized individuals, you should know and you acknowledge that we cannot fully eliminate security risks associated with your information. By providing to or allowing access by us to your information as a result of your use of the Platform and/or Services, you acknowledge and agree that we are not liable for (i) any special, indirect, consequential, incidental or punitive damages, costs, or liabilities whatsoever arising out of or resulting from your use of the Platform or Services, including from uploading, posting, providing, storing, using, analyzing, transmitting, sharing and/or allowing access to Personal Information and other information and content; or (ii) any loss, disclosure or use of your Personal Information or other information and content.

We want to hear from you if you have questions.

If you have any comments, questions or concerns about any of the information in this Privacy Policy, or any other issues relating to the processing of your personal information by us under this Policy, please contact us at support@kindur.com.