Privacy Policy

Last Updated: March 27, 2025

Welcome to Khojie. We are committed to protecting your privacy and handling your personal information transparently and securely. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (https://www.khojie.com) or use our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

1. Information We Collect

We may collect personal information about you in various ways, including:

  • Information You Provide Directly: When you fill out forms (like contact forms, application forms, eligibility checkers), request information, or otherwise communicate with us, you may provide us with:
    • Contact Information (e.g., name, email address, phone number, mailing address).
    • Business Information (e.g., business name, industry, revenue, time in business, funding needs).
    • Financial Information (e.g., credit score range, bank statements, tax IDs - collected securely as needed for specific services).
    • Account Information (if you create an account).
    • Communications content.
  • Information Collected Automatically: When you visit our website, we may automatically collect certain information using cookies, web beacons, pixels, and other tracking technologies:
    • Log and Usage Data (e.g., IP address, browser type, operating system, pages viewed, time spent, referring URLs, actions taken).
    • Device Information (e.g., device type, unique device identifiers).
    • Location Data (general location derived from IP address).
    • Information from Cookies and Tracking Technologies (see Section 5 below).
  • Information from Third Parties: We may receive information about you from third-party sources, such as:
    • Credit bureaus (with your consent, as part of a funding application).
    • Data brokers or public databases (for verification or marketing purposes).
    • Social media platforms (if you interact with our pages).
    • Analytics providers (e.g., Google Analytics).
    • Advertising partners.

2. How We Use Your Information

We use the information we collect for various business purposes, including:

  • Providing, operating, and maintaining our website and services.
  • Processing your applications and requests for funding or information.
  • Communicating with you, including responding to inquiries and providing customer support.
  • Improving and personalizing our website, services, and user experience.
  • Marketing and advertising our services (see Section 6 below).
  • Analyzing website usage and trends to improve our offerings.
  • Detecting and preventing fraud, security breaches, and other illegal activities.
  • Complying with legal obligations and enforcing our terms.
  • For other purposes disclosed at the time of collection or with your consent.

3. How We Share Your Information

We may share your personal information in the following situations:

  • With Service Providers: We share information with third-party vendors and service providers who perform services on our behalf (e.g., hosting, data analysis, email delivery, CRM, marketing, advertising, security, payment processing, credit checks). These providers are contractually obligated to protect your information and use it only for the services they provide to us.
  • With Funding Partners: If you apply for funding, we may share your application information with potential lenders or funding partners within our network to facilitate your request. We will obtain necessary consents where required.
  • With Advertising Partners: We may share certain information (like cookie data, hashed identifiers, or browsing activity) with advertising platforms (e.g., Google, Facebook) to facilitate targeted advertising and measure ad performance. See Section 6 for more details and opt-out options.
  • For Legal Reasons: We may disclose your information if required by law, subpoena, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
  • Business Transfers: In the event of a merger, acquisition, sale of assets, bankruptcy, or other business transition, your information may be transferred as part of that transaction.
  • With Your Consent: We may share your information for other purposes with your explicit consent.

We do not "sell" personal information in the traditional sense of exchanging it for money. However, under laws like the CCPA/CPRA, sharing information for cross-context behavioral advertising (targeted ads based on activity across different websites) may be considered a "sale" or "sharing." Please see Section 7 regarding your rights to opt-out.

4. Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, and disclosure. However, no internet transmission or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Cookies and Tracking Technologies

We use cookies, pixels, web beacons, and similar technologies to collect information automatically, enhance user experience, analyze site traffic, and support our marketing efforts.

  • Cookies: Small text files stored on your device. We use session cookies (expire when you close your browser) and persistent cookies (remain until deleted or expired).
  • Pixels/Web Beacons: Tiny electronic images embedded in web pages or emails that allow us to track user activity (e.g., page views, email opens).
  • Analytics: We use tools like Google Analytics to understand how users interact with our site. Google Analytics may use cookies to collect information. You can learn about Google's practices here and opt-out by downloading the Google Analytics opt-out browser add-on.

You can manage your cookie preferences through your browser settings. Most browsers allow you to block or delete cookies. However, blocking essential cookies may impact website functionality.

6. Advertising and Your Choices

We may use your information to show you relevant advertisements on our site and other websites (remarketing or interest-based advertising). We work with third-party advertising partners (like Google Ads, Facebook Ads) who use cookies and similar technologies to collect information about your online activities over time and across different websites to provide you with targeted ads.

Your Opt-Out Choices:

  • Ad Platforms: You can often adjust your ad preferences directly within platforms like Google (Ad Settings) and Facebook (Ad Preferences).
  • Industry Opt-Out Tools: You can opt-out of interest-based advertising from many participating companies through resources like the Digital Advertising Alliance (DAA Opt-Out Tool) and the Network Advertising Initiative (NAI Opt-Out Tool).
  • Do Not Sell or Share: If applicable under state law (like CCPA/CPRA), you have the right to opt-out of the "sale" or "sharing" of your personal information for targeted advertising. See Section 7.

Please note that opting out does not mean you will no longer see ads; it means the ads you see may be less relevant to your interests.

7. Your Privacy Rights

Depending on your location (e.g., California residents under CCPA/CPRA), you may have certain rights regarding your personal information:

  • Right to Know/Access: Request information about the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and the categories of third parties we have shared it with.
  • Right to Delete: Request the deletion of your personal information, subject to certain exceptions.
  • Right to Correct: Request correction of inaccurate personal information we hold about you.
  • Right to Opt-Out of Sale/Sharing: Request that we do not "sell" or "share" your personal information, particularly for cross-context behavioral advertising.
  • Right to Limit Use of Sensitive Personal Information: Request that we limit the use and disclosure of your sensitive personal information (e.g., precise geolocation, financial account details) to only what is necessary to provide the services or as otherwise permitted by law.
  • Right to Non-Discrimination: You will not be discriminated against for exercising your privacy rights.

How to Exercise Your Rights: To exercise these rights, please contact us via:

  • Email: privacy@khojie.com

We will need to verify your identity before processing your request. We will respond to verifiable requests within the timeframe required by law (e.g., 45 days for CCPA/CPRA, potentially extendable).

8. Children's Privacy

Our website and services are not directed to children under the age of 13, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child, we will take steps to delete it promptly.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law (e.g., for tax, accounting, or other legal requirements).

10. International Transfers

Your information may be transferred to, stored, and processed in the United States or other countries where our servers or service providers are located. Data protection laws in these countries may differ from those in your country of residence. By using our services, you consent to the transfer of your information to countries outside your residence.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Khojie
Address - 111 North Orange Avenue, Orlando, FL, 32801
Email: privacy@khojie.com
Phone Number - 800-786-5916