Privacy Policy

Kala Financial LLC ("Kala Financial," "we," "us" or "our") is a Hawaii limited liability company registered as a foreign limited liability company in the State of California. Kala Financial supports clients nationwide and conducts a substantial volume of business in California. This Privacy Policy explains how we collect, use, disclose, secure and retain information when you visit kalafinancial.com, submit an intake or application form, upload documents, communicate with us, or receive services from us.

This policy covers both personal information about individuals and information about the businesses those individuals represent. It does not govern the independent privacy practices of lenders, capital providers or other partners who receive your information; those parties handle your information under their own privacy notices.

Information you give us.

• Identifiers: name, email address, phone number, mailing and business addresses
• Business details: legal and DBA name, EIN, entity type, state of formation, industry, year founded, ownership structure and ownership percentages
• Financial information: revenue, net income, existing debt and debt schedules, bank statements, tax returns, financial statements, AR aging, use of funds and requested financing amounts
• Sensitive personal information where a specific service requires it, such as Social Security number and date of birth on SBA forms and personal financial statements
• Documents you upload, and any notes or messages you send us
• Consent records: what you agreed to, and the date and time you agreed

Information collected automatically. IP address, device and browser type, operating system, pages viewed, time on page, referring URLs and interactions with our forms, collected through cookies and similar technologies. See our Cookie and Tracking Notice.

Information from third parties. Information from credit reporting agencies and data providers as described below, information from partners who refer you to us, and publicly available business information used to prepare your file.

When you complete and submit an expression of interest or application form, you may be asked to check a box authorizing a soft credit inquiry. Checking that box gives Kala Financial written permission, and a permissible purpose under the federal Fair Credit Reporting Act, to obtain and review preliminary consumer or business credit information about you in connection with the financing you requested. A soft inquiry does not affect your credit score.

If your file moves forward, lenders and capital providers pull their own credit reports under their own authorizations. Those inquiries may be hard inquiries and may affect your credit score. Kala Financial does not control whether, when or how a lender pulls credit, and does not make credit decisions.

You may withdraw your authorization for future inquiries at any time by emailing info@kalafinancial.com, though this does not undo inquiries already made or affect a lender's independent authorization.

• Evaluate your request and determine which services or partners may fit
• Prepare, organize, package and submit your file to lenders and capital providers
• Complete forms and deliverables you have asked us to prepare
• Communicate with you by email, phone and, where you have consented, text message
• Provide the advisory, consulting and back-office services in your engagement
• Operate, secure, troubleshoot and improve our website and systems
• Detect and prevent fraud, misuse and unauthorized access
• Meet legal, regulatory, recordkeeping and audit obligations
• Send marketing communications where permitted, which you can stop at any time

We do not use sensitive personal information for purposes other than performing the services requested, meeting legal obligations and preventing fraud.

Kala Financial performs some services directly and coordinates others through a network of partners. To deliver those services we share your information with:

• Lenders and capital providers, so they can evaluate, underwrite and price the financing you asked us to pursue. This may include your full document package.
• Professional service partners such as accounting, tax credit, legal, insurance, banking, payroll, HR and technology providers, where the service you asked for is delivered by that partner rather than by Kala Financial or a related entity.
• Affiliates and related entities of Kala Financial that support delivery of the same engagement.
• Service providers and processors that run our infrastructure: hosting and database services, our customer relationship management platform, email delivery, document storage, analytics and communications tools. These vendors are permitted to use your information only to provide services to us.
• Credit reporting agencies and verification providers, as described in Section 3.
• Legal and regulatory recipients, when required by law, subpoena or legal process, or to establish, exercise or defend legal claims, or to protect the rights, safety and property of Kala Financial, our clients or others.
• A successor in connection with a merger, acquisition, financing or sale of assets, subject to this policy.

We do not sell your personal information for money, and we do not share personal information with third parties for their own independent marketing purposes. Sharing with lenders and partners described above is done to perform the service you requested, not to monetize your data.

Text messaging consent is never shared. Mobile opt-in data and SMS consent are not sold, rented or shared with third parties or affiliates for their marketing purposes under any circumstances. See our SMS and Messaging Terms.

Documents you upload are transmitted over an encrypted connection and stored in a private, non-public storage location. Files are not accessible through public links. Our systems transfer your documents to your client record in our customer relationship management platform server-side, using credentials that are never exposed to your browser.

When you replace a document, the prior version is retained as part of the file history so there is a clear record of what was received and when.

We retain applicant, client and transaction records, including uploaded documents, for seven (7) years from the later of the date of collection or the end of the engagement, which reflects standard financial-records retention practice and applicable recordkeeping requirements. We may retain information longer where a longer period is required by law, or where the information is subject to a legal hold, dispute, investigation or audit.

Aggregated or de-identified information that can no longer reasonably be linked to you may be retained without that time limit.

Depending on where you live, you may have the right to know what personal information we hold, to request a copy of it, to correct inaccurate information, to request deletion, to limit the use of sensitive personal information, to opt out of targeted advertising, and to not be discriminated against for exercising these rights. California residents have these rights under the CCPA as amended by the CPRA, and residents of states including Colorado, Connecticut, Texas, Utah and Virginia have comparable rights under their state laws.

How to submit a request, including deletion. You may submit a request at any time by emailing info@kalafinancial.com with your request. Please allow up to 30 days for completion and written confirmation. We will verify your identity before acting on a request, and an authorized agent may submit a request on your behalf with proof of authorization.

Some information cannot be deleted on request, including records we are required to keep by law, records needed to complete a transaction you asked for, and information already provided to a lender or partner and held under that party's own retention obligations. We will tell you if an exception applies.

To stop marketing email, use the unsubscribe link in any message. To stop text messages, reply STOP. You may also appeal a decision on a privacy request by replying to our response.

We use cookies, pixels and similar technologies for site functionality, analytics and attribution of inquiries to marketing sources. Details, including the specific categories we use and how to control them, are in our Cookie and Tracking Notice. We honor recognized browser opt-out preference signals where required by law.

We use reasonable administrative, technical and physical safeguards designed to protect your information, including encryption in transit, private document storage, role-based access controls, and restricting access to personnel and partners who need it to perform the service. No system is perfectly secure, and we cannot guarantee absolute security. If you believe your information has been compromised, contact us immediately at info@kalafinancial.com.

Some of the information we collect is nonpublic personal financial information. We collect, use and disclose that information only as described in this policy and as permitted by applicable financial privacy law, principally to process and service the financing or advisory request you initiated with us and our partners.

Our website and services are directed to businesses and to adults 18 and older. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us information, contact us and we will delete it.

Our website links to third-party sites, applications and partner portals we do not control. Their privacy practices are governed by their own policies, and we are not responsible for them.

We may update this policy. Material changes take effect when posted, and we will update the "Last Updated" date above. Continued use of the site or services after a change means you accept the updated policy.

Questions, requests or complaints about privacy can be sent to: