Privacy Policy for KoboMerchants.com
Last Updated: [Sep-01-2025]
1. Introduction
Kobo Merchants (“we,” “us,” “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website KoboMerchants.com (the “Site”) and use our service to connect with potential lenders.
Please read this policy carefully. By using our Site, you consent to the practices described herein.
2. Information We Collect
We collect information that identifies, relates to, describes, or could be linked to you (“Personal Information”).
A. Information You Provide Directly:
- Contact Data: Name, email address, phone number, business address.
- Business & Financial Data: Business name, time in business, industry, estimated annual revenue, amount of funding requested, intended use of funds.
- Content: Any other information you choose to provide in communications with us.
B. Information Collected Automatically:
- Usage Data: IP address, browser type, operating system, pages visited, time spent on pages, referral URLs, and other usage data.
- Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to analyze trends, administer the site, and track users’ movements around the site. We also use these technologies for advertising purposes (see Section 4).
3. How We Use Your Information
We use your information for the following business purposes:
- To Provide Our Service: To share your information with our network of third-party lenders, financial institutions, and service providers (“Lending Partners”) to facilitate your request for business loan offers.
- Marketing and Advertising: To communicate with you about your inquiry and to provide you with relevant marketing communications, including via email, phone, and SMS (with your consent, where required by law). This includes using your data for targeted advertising on platforms like Google Ads and Facebook.
- Site Improvement: To analyze user behavior and trends to improve the functionality and user experience of our Site.
- Security and Fraud Prevention: To protect against fraud and enhance the security of our Site.
4. Disclosure of Your Information
We may share your Personal Information with the following categories of third parties:
- Lending Partners: This is the primary purpose of our service. By submitting your information, you expressly consent to us sharing it with our network of Lending Partners so they can contact you about your inquiry.
- Advertising Partners: We use tools like Google Analytics and Google Ads. We may share hashed or anonymized data with these partners to measure ad performance and deliver ads targeted to your interests. You can opt-out of Google’s use of cookies by visiting Google’s Ads Settings.
- Service Providers: We share data with vendors who perform services on our behalf (e.g., data hosting, analytics, customer support, marketing).
- Legal Obligations: We may disclose information if required by law, such as to comply with a subpoena or similar legal process.
5. Legal Basis for Processing (GDPR)
If you are from the European Economic Area (EEA), our legal basis for processing your data is:
- Consent: For sending marketing communications and sharing data with Lending Partners.
- Contractual Necessity: To perform the service you request when you submit your information.
- Legitimate Interests: For site operations, analytics, and fraud prevention.
6. Your Rights and Choices
Depending on your location, you may have the following rights regarding your Personal Information:
- Access and Data Portability: The right to request access to and a copy of your data.
- Deletion: The right to request the deletion of your personal data.
- Opt-Out of Sale/Sharing: The right to opt-out of the “sale” or “sharing” of your personal information for cross-context behavioral advertising (as defined under the CCPA/CPRA).
- Correction: The right to request correction of inaccurate data.
- Withdraw Consent: Where we rely on consent, you can withdraw it at any time.
To exercise any of these rights, please contact us at privacy@kobomerchants.com.
7. Cookies and Advertising
We use cookies for essential site functions, analytics, and advertising.
- Google Ads & Remarketing: We use Google Ads Remarketing to advertise to previous visitors on third-party websites, including Google. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to our Site.
- Opt-Out: You can opt-out of Google’s use of cookies by visiting the Google Advertising Opt-Out Page. You can opt-out of receiving interest-based ads from many providers through the Digital Advertising Alliance (DAA) or the Network Advertising Initiative (NAI).
8. Data Retention
We will retain your Personal Information only for as long as is necessary for the purposes set out in this policy, or as required to comply with legal obligations.
9. Children’s Privacy
Our Site is not intended for children under the age of 18. We do not knowingly collect personal information from children.
10. Changes to This Privacy Policy
We may update this policy to reflect changes to our practices. We will post the updated policy on this page and change the “Last Updated” date.
11. Contact Us
If you have any questions about this Privacy Policy, please contact us at:
Email: support@kobomerchants.com
Address: 147 Prince St, Brooklyn, NY 11201, United States