PRIVACY POLICY

Information You Provide to Us

• Contact details, such as your name, mailing address, email address, and telephone number.
• Account and payment information, including account numbers, payment history, and payment method
  details you choose to provide.
• Correspondence you send to us, including disputes, requests, and communications submitted through the
  Site, by mail, or by phone.

Information Collected Automatically

• Device and usage information, such as IP address, browser type, operating system, referring URLs, pages
  viewed, and dates and times of visits.
• Cookies and similar tracking technologies used to operate and improve the Site (see Section 5 below).

Information from Other Sources

• Account and balance information provided by our clients or the entity that placed or sold an account to us.
• Information obtained from consumer reporting agencies, skip-tracing services, and other data providers to
  help locate consumers and verify or update contact information, consistent with applicable law.
• Publicly available information, such as records available through government or public sources.

We use the information we collect for purposes including:

KAI does not share personal information with unaffiliated third parties for their own marketing purposes. We may share information as follows:

• With our clients, on whose behalf we service or from whom we have purchased an account;
• With service providers who perform functions on our behalf, such as payment processing, mailing, skip
  tracing, and data hosting, and who are contractually required to protect that information;
• With consumer reporting agencies, in connection with furnishing account information as permitted by law;
• With third parties as necessary to effect, administer, or enforce a transaction that you request or authorize;
• With attorneys, courts, and government agencies as required or permitted by law, including in response to a
  subpoena, court order, or other legal process; and
• In connection with a corporate transaction, such as a merger, acquisition, or sale of assets.

The Site may use cookies, web beacons, and similar technologies to recognize your browser, remember preferences, understand how visitors use the Site, and support Site security. You can typically set your browser to refuse cookies or alert you when cookies are being sent; however, some parts of the Site may not function properly without them.

We maintain physical, electronic, and procedural safeguards designed to protect personal information against unauthorized access, use, or disclosure. Access to personal information is limited to employees and service providers who need it to perform their job functions. While we work to protect your information, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

KAI Receivables Management, LLC may communicate with consumers by text message regarding accounts we service or collect, including account information, payments, payment reminders, and other account-related matters. Where required by law, KAI will obtain appropriate consent before sending text messages.

Message frequency may vary. Message and data rates may apply. Consumers may opt out at any time by replying STOP,  or contacting KAI through the information provided on this website. KAI does not sell or rent mobile numbers or SMS consent information for third-party marketing purposes

Depending on where you live, you may have rights regarding your personal information, which may include the right to request access to, correction of, or deletion of certain personal information we hold about you, subject to applicable exceptions (for example, information we are required to retain for legal, accounting, or debt-collection recordkeeping purposes).

To exercise any rights available to you, or if you have questions about the personal information we maintain about your account, please contact us using the information in Section 11 below. We may need to verify your identity before responding to your request.

The Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child without verification of parental consent, we will take steps to delete that information.

The Site may contain links to third-party websites for your convenience. We do not control and are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policy of any third-party site you visit.

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The “Effective Date” at the top of this Policy indicates when it was last revised. Your continued use of the Site after any changes constitutes acceptance of the updated Policy.