Privacy Policy

1. Introduction

Kala Financial LLC ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

We may collect the following types of information:

Personal Information

• Name, email address, phone number, and mailing address
• Social Security Number (for credit-related services)
• Date of birth
• Business information including name, address, EIN, and financial data
• Banking and financial account information
• Employment and income information

Automatically Collected Information

• IP address and device identifiers
• Browser type and operating system
• Pages visited and time spent on our website
• Referring URLs and search terms
• Cookies and similar tracking technologies

3. How We Use Your Information

We use collected information to:

• Process and evaluate loan applications and service requests
• Connect you with appropriate lending partners
• Communicate with you about our services
• Improve our website and services
• Comply with legal and regulatory requirements
• Prevent fraud and protect against security threats
• Send marketing communications (with your consent)

4. Information Sharing

We may share your information with:

• Lending Partners: To process your loan applications and provide financing options
• Service Providers: Who assist us in operating our business
• Credit Bureaus: For credit verification purposes
• Legal Authorities: When required by law or to protect our rights
• Business Transfers: In connection with mergers, acquisitions, or asset sales

We do not sell your personal information to third parties for their marketing purposes.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including encryption, secure servers, and access controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

You have the right to:

• Access, correct, or delete your personal information
• Opt-out of marketing communications
• Request information about data sharing practices
• Lodge a complaint with supervisory authorities

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can control cookie preferences through your browser settings.

8. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, request deletion, and opt-out of the sale of personal information.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at: