Privacy Policy
Last Updated: October 4, 2024
Keen Kash recognizes your expectations of privacy and security and we greatly respect your privacy concerns. This Privacy Policy describes how we gather information, what we do with the information we collect and what steps we take to safeguard your privacy and protect your personal information.
To ensure that this Privacy Policy is up-to-date and responsive to changes in our websites, our business activities, relevant laws and regulations and developments in the applicable technology, we reserve the right to change this Privacy Policy from time to time. By using our websites, you consent to the current version of our Privacy Policy. To receive the most up to date Privacy Policy, you can visit our web site at: https://keenkash.com.
If you have questions about this Privacy Policy, contact Customer Care at info@keenkash.com.
We have organized this Privacy Policy as a series of answers to questions that we have found to be of most interest to consumers. If you do not see the answer to any question you may have about what information we collect, how we collect information, and what we do with the information we collect, please contact us at the following address:
If by e-mail: info@keenkash.com
If in writing: 1040 Calle Cordillera, STE 105
San Clemente, CA 92673.
This Privacy Policy covers what we do with any personal information you may submit or authorize us to obtain, as well as any other information that we may gather when you access any of our websites. This Privacy Policy also covers any of your personal and other information that any of our business partners may share with us.
Keen Kash owns and operates several websites, as well as a number of websites and domains that point to our websites. We may add additional websites and domains to our portfolio. Regardless of whether any particular site is specifically identified in this Privacy Policy, this Privacy Policy applies to any website owned or operated by Keen Kash. This notice also applies to all companies within the Keen Kash family of companies. For more information about our family of companies you may contact us at the email or mailing address just above.
This Privacy Policy applies only to websites we own or operate, and not to websites maintained by other companies, nor to any website to which we may link, nor to unrelated businesses with which we may share information.
What is “Personal Information”?
Personal information is any information that you provide to us or authorize us to obtain that identifies you personally, or that can be logically associated with you. We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities. We may also collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service provider’s utilized and other similar information.
Why Do You Need To Collect My Personal Information?
We collect and use personal information to respond more completely to your requests for products and services we offer and those of our business partners, as well to service your relationship with us and any account you may have with us. We also collect personal and other information to make you aware of products and services that are likely to interest you.
What Personal and Other Information Do You Collect and/or Maintain?
We collect and maintain the information you provide to us, such as:
Any information you provide to us or to one of our business partners on applications or forms when you request a product or service, such as your income and accounts with others. This information may include your name, your address, and your telephone number. Depending upon the product or service you request, you may also be asked to provide additional information, such as the amount of your current unsecured debt and the identity of your creditors, information about your mortgage, and other financial and personal information.
Information we receive about your transactions with us, our affiliates, or others, such as your account balance, payment history and credit card usage.
Information we receive from a third party, such as a credit bureau, about your credit history or employment status.
Information, such as your e-mail address, that you provide to us when you register to receive communications from us or when you communicate with us through our customer service facility, or otherwise correspond with us.
How Do You Use The Personal and Other Information You Collect?
We use your personal information to provide to you the services or products that you request, to service your account, and to keep you informed about services that may interest you.
We may also use your personal and other information to enhance your experience on our websites by displaying content based on your preferences, and to send information to you about additional products or services in which you may be interested. We may “depersonalize” your personal information to enable us to use that information, aggregated with the information of others, for research, analysis, and modeling purposes.
From time to time, we may contact you (via email, direct marketing, or telemarketing) about other products and services that we believe may interest you. In addition, we may also provide your personal information to third parties so that these third parties may contact you (via email, direct marketing, or telemarketing) directly about (i) your information/service requests or (ii) their own products and services.
With Whom Do You Share My Information?
If you submit a request for a product or service, we may share your information with certain partners or third party service providers not affiliated with us in order to fulfill your request. These third parties may (i) use your information for their own purposes (including commercial purposes) as set forth in their respective privacy policies or (ii) may disclose or dispose of your information to other third parties in the course of their own business. If for any reason you want to opt out of this disclosure, please see the “Choices You May Make for Your Privacy” section below to learn how.
By submitting your request, you are consenting to being contacted by us or by our business partners, through any means, based on the information you provide to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution. If, after you are contacted by that product or service provider, you do not wish to be contacted by that person again you must make a specific request to the product or service provider, not to Keen Kash.
As permitted by law, we may also share your personal and other information with a third party that provides a service or supplies a specific functionality to us, such as a call center operator. We will only give these service providers the information they need to perform their functions, and we contractually prohibit them from sharing any of your personal and other information with others for any purpose whatsoever.
Additionally, we may share your personal and other information within our family of companies for a number of purposes, for example, to process your requests and to keep you informed of services that may be of interest to you. Any person with whom we share your personal information is also required to comply with federal and state privacy regulations and will have its own privacy policies that should be made available to you at the time you are first contacted.
Are There Any Other Circumstances Where You Disclose My Information?
We may be required to share your information with law enforcement or government agencies in response to subpoenas, court orders, or other forms of legal process. We may elect to share information when, in our reasonable judgment, such sharing is necessary or appropriate for the investigation or prevention of illegal activities, including actual or suspected fraud, real or potential threats to the physical safety of any person or otherwise as required by law.
In addition, if we merge with or are acquired by another company, the successor company will have access to all of the information we collected and maintained. The successor company will continue to be bound by the terms and conditions of this Privacy Policy, unless it is amended.
How Do You Collect Information Online?
We collect certain types of non-personal information and technical data from each visitor to our websites. For example, when you click on a banner advertisement or text link that is associated with one of our websites, the banner or text placement, along with the time of your visit, your Internet Protocol address, information about your web browser software, and other similar information is sent to us. Similarly, the page requests you make when you visit our websites are stored and used by us. We use this information for statistical and analytic purposes, to help us understand which page views are most appealing to our customers, and to help us improve the likelihood that we will be able to offer you only products or services in which you have a genuine interest.
What Are Cookies? “Cookies” are small files that are stored by your browser when you visit a website. Cookies enable a website to recognize you as a returning visitor and, by keeping track of your website activity, help us identify which pages to serve to you while reducing the time it takes for those pages to load. Cookies enable us to personalize and enrich your experience and are not tied in any way to your personal information. If you do not wish to accept cookies, or if you wish to remove cookies that remain in your browser following the close of your browser session, you may adjust the settings on your web browser to prevent cookies from being stored. Please review your web browser’s documentation to learn how to modify your cookie settings.
Do You Use Any Other Advertising Technology? We use third party advertising technology to serve ads on our websites and on the websites where we advertise. Generally, advertisements are served by ad networks, that are independent of us. Third party servers may employ cookies or action tags to measure advertising effectiveness, target advertising to individuals, and for other purposes. For more information about third party technology used to serve advertising, as well as to obtain software tools that will allow you to opt-out of targeted advertising, please visit the Network Advertising Initiative at https://thenai.org/.
What Are Web Beacons? “Web beacons” are, like cookies, small files that enable an ad server to recognize a visitor’s cookie when the visitor returns to a particular site. Web beacons may also be used in e-mail advertising to help track which e-mail messages have been opened. Web beacons are used to track the movement of visitors to our sites.
How Do You Safeguard the Information You Collect?
The security of your personal information is a very high priority for us, and we take a number of steps to safeguard it. Some of the measures we take are:
Limiting access to personal information to those employees who are critical to the delivery of products and services to you.
Implementing appropriate physical, electronic, and procedural safeguards to guard against unauthorized access or use.
Requiring appropriate consents and protections from our business partners before we share any personally identifiable information.
Keen Kash and its affiliates use commercially reasonable physical and technical security measures to protect all personal information in our possession. We cannot, however, guarantee or warrant the absolute security of any system, or that any information we hold will not be accessed, disclosed, altered, or destroyed.
How Long Do You Retain My Personal Information?
We normally retain your personal information for a reasonable time after our customer relationship with you ends, and in any event, generally not less than one year from the date we first collect it. For legal reasons, we may sometimes be required to retain personal information for a longer period. Under certain circumstances, Federal or state law may require us to retain your personal information for different periods of time.
We may disclose personal information about former customers to affiliated and other persons in the same way and of the same types as we disclose for customers.
Non-personal information may be retained indefinitely.
What Choices Do I Have?
You can always elect not to provide personal information to us, although if you do not complete and submit the information we ask for, we may not be able to provide you with the most complete responses, or you may not be able to access all the available features.
Choices You May Make for Your Privacy
You may choose to limit the way we share information about you. You may also choose to limit the solicitations we send you. These choices are referred to as “opt-outs.”
Sharing of Information Outside of Keen Kash Family of Companies
If you do not want us to disclose personal information about you outside the Keen Kash family of companies, you may choose to opt out of those disclosures. You may tell us not to share this information and we will not, except in those cases where we may be required or permitted by law. For example, required disclosures may be made to law enforcement and regulators, while permitted disclosures may be made to vendors assisting us in opening, maintaining or servicing your account.
Use and Sharing of Information among Companies in the Keen Kash Family
Affiliate Marketing-Companies in the Keen Kash family may market their products and services to you based on information received from other companies in the Keen Kash family. This may include any information collected about you including your income, your account history, and your credit score. If you would like to limit the offers you may receive based on this shared information, you may choose to opt out. If you opt out, we will not market products or services to you based on information received from other companies in the Keen Kash family.
III. How to Opt-Out
To opt out of e-mail solicitations click here.
If you wish to stop receiving e-mails from us or from a third-party e-mail service, follow the opt-out instructions included in the e-mail.
Our unsubscribe process impacts only the future delivery of electronic mailings we send, or which others send on our behalf. You may still receive electronic mailings sent by or on behalf of third parties, and we may still share your personal information with third parties, but only for use in offline marketing and data appends, including email appends, unless you unsubscribe as according to this section III.
Unsubscribing from our electronic mailings will not automatically unsubscribe your information from any third-party business associates and licensees of the data.
Do You Use My Personal Information to Contact Me Without Permission?
This Privacy Policy constitutes Keen Kash Do Not Call Policy under the Telephone Consumer Protection Act for all consumers and pursuant to state law. When you talk with us by telephone, we may monitor or record the conversation. We maintain an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of the request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the Do Not Call list.
Keen Kash has a strict “anti-spam” policy for itself and its business partners and vendors. You will not receive Keen Kash e-mails unless you submit your e-mail address to us, submit a request for a product or service from us, or register on one of our websites to receive communications, such as our newsletter.
You may tell us not to solicit you at your postal mailing address, telephone number, or e-mail address. If you elect not to receive marketing offers by postal mail, telephone, or e-mail, we may continue to contact you as necessary to service your account and for other non-marketing purposes. We may also continue to provide marketing information in your regular account mailings and statements, including online and electronic communications.
To receive our newsletter via e-mail, you must sign up on one of our websites. If you decide at a later time that you no longer wish to receive our newsletter, you may unsubscribe using the “unsubscribe” link on each newsletter that you receive. If you have any problems unsubscribing, please contact us immediately at info@keenkash.com
Testimonials
If you submit a testimonial to us, we will ask for your permission to post your testimonial before any public use. We will post your name as given to us in your testimonial. We may post a photo of you or use a stock photo. Please be aware that any personally identifiable information you submit as a testimonial to be posted can be read, collected, or used by the general public, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to include in any testimonial you choose to submit. If at any time you decide to remove your testimonial, please contact us via e-mail or postal mail.
Google AdSense
Some of the ads may be served by Google. Google’s use of the DART cookie enables it to serve ads to Users based on their visit to our Site and other sites on the Internet. DART uses “non personally identifiable information” and does NOT track personal information about you, such as your name, email address, physical address, etc. You may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at http://www.google.com/privacy_ads.html.
Children’s Privacy
We do not knowingly collect, use, or share personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the products and services offered on our websites only in conjunction with your parents or guardians.
California Residents—Your Privacy Rights
California residents who provide us with their personal information may request certain information regarding disclosures made to third parties for direct marketing purposes, including the names and address of those to whom such disclosures have been made. Such requests must be submitted to us at the mailing address included in the first page of this privacy policy. This request may be made no more than once per calendar year.
