— PRIVACY POLICY

This Privacy Policy explains how Kairos Financial (“Kairos,” “we,” “us,” or “our”) collects, uses, and shares information about you when you visit kairos-financial.com (the “Site”) or submit an application or inquiry to us. By using the Site or submitting your information, you agree to the practices described in this Policy.

This Policy is provided for general informational purposes and does not constitute legal advice.

1. Information We Collect

Information you provide. When you complete our application or contact form, we collect the information you choose to give us, which may include your first and last name, email address, phone number, state of residence, licensing status, sales experience, availability, and any message or details you submit.

Information collected automatically. When you visit the Site, we and our service providers may automatically collect technical information, including your IP address, browser type, device information, pages viewed, referring URLs, and the dates and times of your visits.

Information stored on your device. The Site uses local browser storage (for example, to remember your progress in a video). This information stays in your browser and is not personally identifying.

2. How We Use Your Information

We use the information we collect to:

• Review and respond to your application or inquiry;
• Contact you about career and business opportunities with Kairos, including by email, phone, and text message;
• Operate, maintain, secure, and improve the Site;
• Detect, prevent, and address fraud, abuse, or technical issues; and
• Comply with our legal obligations and enforce our agreements.

3. How We Share Your Information

We do not sell your personal information. We may share your information only in these limited circumstances:

• Service providers. Vendors who perform services on our behalf, such as customer-relationship-management and marketing platforms (e.g., HighLevel / LeadConnector), website hosting (e.g., Vercel), and media hosting (e.g., Cloudflare).
• Legal and safety. Where required by law, subpoena, or legal process, or where we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfers. In connection with a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction.
• With your consent. For any other purpose disclosed to you at the time you provide the information.

4. Text Messages & Communications Consent

By providing your phone number and submitting our form, you consent to receive communications from Kairos, including calls and text (SMS) messages, at the number you provide, including through automated means. Consent is not a condition of any purchase. Message and data rates may apply, and message frequency varies. You can opt out of text messages at any time by replying STOP, and you can ask to be removed from our contact lists by emailing us at the address below.

5. Cookies & Tracking Technologies

The Site may use cookies, local storage, and similar technologies to remember your preferences, keep the Site functioning, and understand how the Site is used. Most browsers let you refuse or delete cookies through your settings; doing so may affect how the Site works.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, to comply with our legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to delete or de-identify it.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee the absolute security of your information.

8. Your Rights & Choices

Depending on where you live, you may have rights regarding your personal information, including the right to request access to, correction of, or deletion of your information, and the right to opt out of certain processing. Residents of California and certain other states may have additional rights, including the right not to be discriminated against for exercising them. We do not sell or share personal information for cross-context behavioral advertising.

To exercise any of these rights, contact us at info@kairos-financial.com. We may need to verify your identity before responding.

9. Do Not Track

Some browsers offer a “Do Not Track” signal. Because there is no common industry standard for responding to these signals, the Site does not currently respond to them.

10. Third-Party Links

The Site may link to third-party websites or services we do not control. This Policy does not apply to those third parties, and we are not responsible for their privacy practices. We encourage you to review their policies.

11. Children’s Privacy

The Site is intended for adults and is not directed to individuals under 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us information, please contact us and we will take steps to delete it.

12. Changes to This Policy

We may update this Policy from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the Site after a change indicates your acceptance of the updated Policy.

13. Contact Us

If you have questions about this Policy or our privacy practices, contact us at info@kairos-financial.com.