Kinetik Finance, Inc. (“Kinetik Finance”, "Kinetik", “we”, “us”, or “our”) is committed to protecting your privacy. We have prepared this Privacy Policy to describe to you our practices regarding the Personal Information (as defined below) we collect from users of our website, located at www.kinetikwealth.com (the “Site”) and online services (“Services”).
When we use the phrase “Personal Information” in this Privacy Policy, we mean information that would allow someone to identify or contact you, including, for example, your name, address, telephone number, e-mail address, as well as any other non-public information about you that is associated with or linked to any of the foregoing information. When we use the phrase “Anonymous Information” in this Privacy Policy, we mean information that is not associated with or linked to your Personal Information. Anonymous Information does not enable identification of or contact with individual persons.
Children
Our Services and Site are not directed to children and children are not eligible to use our Services. Protecting the privacy of children is very important to us. We do not collect or maintain Personal Information from people we actually know are under 18 years of age, and no part of our Site or Services is designed to attract people under 18 years of age. If we later learn that a user is under 18 years of age, we will take steps to remove that user’s Personal Information from our databases and to prevent the user from utilizing the Site and the Services.
How We Collect Information
Personal Information
In general, the Personal Information we gather enables us to provide the Services to you and helps us learn more about the use of the Site and/or Services. We collect Personal Information that you submit to us voluntarily at registration and in the course of your use of the Site and/or Services. To use certain features of the Site, we require you to create an “Account” by providing your name, email address, password and birthday. When you create an Account, we will collect information about your retirement accounts and transactions (such as purchases, sales, account balances, holdings, inquiries, etc.). When you communicate with us by sending us an email, we will collect and store any information that is contained in your communications with us. You can choose not to provide us with certain information, but this may limit the features of the Site or Services you are able to use.
We may also receive Personal Information about you from your authorized representatives (such as your attorney, accountant, etc.). We consider such information to be Personal Information and may use and disclose it in accordance with this Privacy Policy. We may also obtain certain information from partners, business associates and unrelated persons and combine that with Personal Information we collect about you.
We require you to provide your account credentials, including users’ names and passwords, for third party accounts, including your 401(k) provider account (“Third Party Credentials”). We will use your Third Party Credentials solely to provide the services you request. We encourage you to use user names and passwords that are different from Third Party Credentials on those accounts that you do not use with the Services.
When you order Services, our third party payment processor will collect payment and billing information in order to process the complete the transaction.
Our Relationship with Third Party Accounts. We have created interfaces that allow you to connect with third party accounts, including 401(k) providers (each a “Third Party Account”), through the Services. In order to provide this authorization, you will need to log-in to that Third Party Account directly through the Services. Once authorized by you, we can access your Third Party Account information. You can revoke our access to any Third Party Account at any time by amending the appropriate settings from within your account settings on the applicable Third Party Account.
Anonymous Information
We collect the following types of Anonymous Information:
Information Collected by Our Servers: We gather certain information automatically and store it in log files. Our servers (which may be hosted by a third party service provider) collect information from you, including but not limited to your browser type, operating system, geographic location, Internet Protocol (“IP”) address, domain name, and/or a date/time stamp for your visit, clickstream data and referring/exit pages. We use this information to analyze trends, administer the Site, track users’ movements around the Site, gather demographic information about our user base as a whole, and better tailor our Services to our users’ needs.
Log Files: We gather certain information automatically and store it in log files. This information includes IP addresses, browser type, Internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information to analyze trends, administer the Services, track users’ movements around the Services, gather demographic information about our user base as a whole, and better tailor our Services to our users’ needs.
Cookies: We use cookies to collect information. “Cookies” are small pieces of information that a website sends to your computer’s hard drive while you are viewing the website. We may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Site. This type of information is collected to make the Site more useful to you and to tailor the experience with us to meet your special interests and needs.
We may partner with third party services, such as ad networks and tracking services, to track and analyze Personal Information and Anonymous Information from users of our Site. Such third party services may use Cookies to help track user behavior. The use of these Cookies by third parties is not covered by our Privacy Policy. Some features that may be utilized include but are not limited to remarketing, audiences, demographic or location information. We do not have access or control over these Cookies.
How We Use Information
Personal Information
We will use your Personal Information to:
We may also use your Personal Information to create Anonymous Information records by excluding information that makes the information personally identifiable to you.
Anonymous Information
Generally, we use Anonymous Information in statistical analysis to help us analyze patterns in the use of our Services. We may, through our use of Cookies, keep you logged into our Site, collect your click-stream data, tailor web content to you and personalize your experience on the Site. We may also use your Anonymous Information to improve our internal operations, notify visitors of updates to our Site and Services, and software and customize the content and layout of the Site and/or Service. However, we reserve the right to use Anonymous Information for any purpose.
How We Disclose Information
Personal Information
We disclose certain Personal Information:
Anonymous Information
We reserve the right to disclose Anonymous Information publicly without restriction.
Feedback
If you provide feedback to us, we may use and disclose such feedback in accordance with the terms in our Terms and Conditions, provided we do not associate such feedback with your Personal Information. We may publish user feedback from time to time, provided that we will obtain your consent prior to posting your feedback. We will collect any information contained in such feedback and will treat the Personal Information in it in accordance with this Privacy Policy, provided that we may contact you in regards to such feedback.
Controlling Your Information
You can review and/or change certain parts of your Personal Information by logging into the Site and accessing your Account. You authorize us to use and disclose any new or modified information that you provide in accordance with this Privacy Policy, and you agree that we are under no obligation to delete or modify information that you have previously chosen to provide us.
Certain information is necessary in order for us to provide the Site or Services; therefore, if you delete such necessary information you will not be able to use the Site or Services. Please note that even though you may request the deletion of your Personal Information by us, we may be required (by law or otherwise, such as to prevent fraud, resolve disputes, troubleshoot problems, or enforce our Terms and Conditions) to keep this information and not delete it (or to keep this information for a certain time) in which case we will comply with your deletion request only after we have fulfilled such requirements. When we delete Personal Information, it will be deleted from the active database, but may remain in our archives.
If you decide at any time that you no longer wish to accept Cookies from our Service for any of the purposes described above, then you can instruct your browser, by changing its settings, 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 of the Services or all functionality of the Services.
We will communicate with you primarily in the form of emails. You can manage the frequency and/or opt out of receiving these communications by changing your settings on the Site and/or clicking the “Unsubscribe” link at the bottom of each email. Please note that even if you unsubscribe or opt-out, we may still send you Site and Services related communications (e.g., emails related to your account or the Site). You may also sign up to receive account updates using text messaging. You can opt in or out of the service through your Account at any time.
Information Disclosed to Third Parties
This Privacy Policy addresses only our use and disclosure of information we collect from and/or about you on the Site and Services. If you disclose information to others, or authorize us to do the same under this Privacy Policy, the use and disclosure restrictions contained in this Privacy Policy will not apply to any third party. We do not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable.
The Site may contain content or links to other websites that are not owned or controlled by us. We have no control over, do not review and are not responsible for the privacy policies of or content displayed on such other websites. When you click on such a link, you will leave our Site and go to another site. During this process, another entity may collect Personal Information or Anonymous Information from you. The Site may also contain links to other websites controlled by us but which operates under different privacy policies. Please review the privacy policy of any new site you visit.
Third Party Payment Processor
For online payments payouts, we use third party payment services. For more information on how payments are handled, or to understand the data security and privacy afforded such information, please contact admin@kinetikwealth.com.
California Privacy Rights
California residents have the right to request and receive information regarding the third parties we have disclosed their Personal Information for direct marketing purposes in the prior calendar year, including the type of information disclosed. This request can be made once per year, without charge, by contacting kinetikwealth.com or write to us at: Kinetik Finance, Inc., Attn: Privacy, Kinetik Finance, Inc., Attn: Privacy. 142 East Ontario Street, 10thFloor, Chicago, Illinois 60611
How We Respond to Do Not Track Signals
We do not currently respond to “do not track” signals or other mechanisms that might enable consumers to opt out of tracking on the Service.
Security of Your Information
We are committed to attempting to protect the security of your Personal Information. We use a variety of industry-standard security technologies and procedures to help protect your Personal Information from unauthorized access, use, or disclosure. We also require you to enter a password to access your Account. Please do not disclose your Account password to other persons. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we use what we believe are reasonable efforts to protect your Personal Information, we cannot guarantee its absolute security.
Changes to this Privacy Policy
This Privacy Policy may be updated from time to time for any reason. We will notify you of any changes to our Privacy Policy by posting the new Privacy Policy on this page and we will change the “Last Updated” date below. You should consult this Privacy Policy regularly for any changes.
Contacting Kinetik Finance
If you have any questions or concerns or complaints about our Privacy Policy or our data collection or processing practices, or if you want to report any security violations to us, please contact us at: Kinetik Finance, Inc., 142 E Ontario St, Chicago IL 60611.
Last Updated: May 18, 2018