Last Updated: June 2020

This Privacy Policy governs the manner in which Kalepa (“Company”) collects, uses, maintains and discloses information collected from users (each, a “User”) of the kalepa.co, kalepainsurance.com, and kalepa.io websites or subdomains (“Sites”). This privacy policy applies to the Sites and all products and services offered by Kalepa.

By using the Site or Kalepa’s products, you consent to the collection and use of your information by Company in accordance with this Privacy Policy. Changes to our privacy policy will be posted on this page. Policy changes will apply only to information collected after the date of the change.

1. What information do we collect?

We may collect information from you when you register on the Sites, use one of Kalepa’s products, respond to communication such as e-mail, or participate in another site feature.

• Information You Give Us: We receive and store any information you enter on our Web site or give us in any other way. Information that we collect may include: items searched for; name and address; e-mail address and searching patterns. This list is not exclusive, and may be altered without notice based on information that you supply.
• Right to Refrain from Giving Information: You have a right to refrain from giving us certain information, but then you might not be able to take advantage of all of our features. We use the information that you provide to enhance our services, such as responding to your requests and improving our Site experience for you and others.
• Automatic Information: When you access our Sites, information is received and stored by us. The most significant information is stored in the form of “cookies,” or small storage files that transmit your electronic identity to the website that you visit. Like most websites, we use cookies to be able to identify you as a return visitor to the Site. We receive and store certain types of information whenever you interact with us. There is more information about cookies below.
• E-mail Communications: We communicate and make special offers available via email. To help us make e-mails more useful, we often receive a confirmation when you open e-mail from the Company if your computer supports such capabilities.
• Information from Other Sources: From time to time, we receive information about you from other sources and add it to our account information.

Because there is not yet a common understanding of how to interpret web browser-based “Do Not Track” (“DNT”) signals other than cookies, we do not currently respond to undefined “DNT” signals to the Site.

2. How do we use your information?

We may use the information we collect from you when you register, respond to a survey or marketing communication, surf the Sites, or use certain other Site or product features in the following ways:

• To personalize your Site or product experience and to allow us to deliver the type of content and product offerings in which you are most interested.
• To allow us to better serve you in responding to your customer service requests.
• To quickly process your transactions.
• To administer a promotion, survey or other Site feature.

3. Do we disclose the information we collect to outside parties?

The information that we collect about our customers is an important part of our business. We respect and value this information, and do not want to jeopardize the flow of information between our customers and the Sites. Therefore, we are not in the business of selling this information to other websites or businesses. There are circumstances where we do share some customer information, and this is outlined immediately below.

• Disclosure Regarding Service Providers: We may contract with other companies to provide services on our behalf, such as hosting the Site, product review pages, sending out information or promotional offers that may be of interest to you (e.g., via email, direct mail, or on mobile devices), and analyzing the Site. We provide these companies with only those elements of your personal information they need to deliver those services. These companies and their employees are prohibited from using that personal information for any other purpose.
• Disclosures in Connection with Business Transfers: As we continue to develop our business, we might sell or buy subsidiaries or business units. In such transactions, customer information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing privacy policy (unless, of course, the customer consents otherwise). Also, in the event that Company or substantially all of its assets are acquired, customer information will be one of the transferred assets.
• Disclosure for Other Reasons: It is sometimes necessary to release account and other personal information when we believe it is appropriate to: comply with the law; enforce or apply our Conditions of Use or other agreements; or protect the rights, property, or safety of the Site, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Under no circumstances, however, does this include selling, renting, sharing, or otherwise disclosing personally identifiable information from customers for commercial purposes in violation of the commitments set forth in this privacy policy.

4. Do we use “cookies”?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. Cookies are used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We may contract with third-party service providers to assist us in better understanding our Sites’ visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Each browser is a little different, so look at your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you won’t have access to many features that make your Sites experience more efficient and some of our services will not function properly.

5. Safeguarding Your Personal Information

Securing your personal information is important to us. We maintain physical, electronic, and procedural safeguards to secure your information. The personal information we collect is stored within databases that we control directly or through our service providers. We use security measures consistent with industry standards, such as firewalls and encryption technology, to protect your information. However, since no security system is impenetrable, we cannot guarantee the security of our databases, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.

6. Privacy and Third Party Links

This Privacy Policy applies solely to information collected by our Sites. In an attempt to provide you with increased value, we may include third party links on our Sites. These linked sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites or the protection of your information or privacy as a result of your interactions with these third party sites through the third party links we provided. Nonetheless, we seek to protect the integrity of our Sites and welcome any feedback about these linked sites (including if a specific link does not work). Please send any such feedback via email to support@kalepa.co

7. Online Policy Only

This Privacy Policy applies only to information collected through our Sites and not to information collected offline.

8. Questions and Complaints

We welcome your questions, comments, and concerns about the Sites. Please send us any and all feedback or questions pertaining to the Sites to support@kalepa.co with “WEBSITE PRIVACY POLICY” in the subject line or by mailing us at the following address:

Kalepa
920 Broadway, Floor 15
New York, NY 10010

9. Important Notices to Non-United States Residents

It is important to note that the Sites are operated in the United States. If you are located outside of the United States, please be aware that any visitor information you provide to us will be transferred to the United States. By using the Sites and/or providing us with your visitor information, you consent to this transfer.

10. Your California Privacy Rights

Under California’s “Shine the Light” law, California residents who provide personal information in obtaining products or services for personal, family or household use are entitled to request and obtain from us once a calendar year information about the customer information we shared, if any, with other businesses for their own direct marketing uses. If applicable, this information would include the categories of customer information and the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year (e.g. requests made in 2016 will receive information regarding 2015 sharing activities).

To obtain this information from Company please send an email message to support@kalepa.co with “REQUEST FOR CALIFORNIA PRIVACY INFORMATION” on the subject line and in the body of your message. We will provide the requested information to you at your e-mail address in response. Not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.

11. Children’s Privacy

We do not knowingly intend to collect personally identifiable information from children under 18 years of age. If a child has provided us with personally identifiable information, a parent or guardian of that child may send an email message to support@kalepa.co with “REQUEST FOR CHILD INFORMATION REMOVAL” on the subject line and the name and age of the child in the body of the message. We will then make reasonable efforts to delete the child’s information from the database that stores information for the Sites.