PRIVACY POLICY

Effective Date: July 15, 2026

Kaw Valley Digital, LLC, doing business as Kaw Valley Financial (“Kaw Valley Financial,” “we,” “us,” or “our”), respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit KawValleyFinancial.com, contact us, request a financing review, refer a business, or otherwise interact with us.

By using this website or submitting information to us, you acknowledge the practices described in this Privacy Policy.

1. Scope of This Policy

This Privacy Policy applies to information collected through:

  • KawValleyFinancial.com and its associated webpages;

  • Financing-review, contact, referral, and inquiry forms;

  • Email, telephone, and other communications with us;

  • Documents or information submitted for a commercial-financing review;

  • Referral partner and funding-source communications; and

  • Other services operated by Kaw Valley Financial that link to this Privacy Policy.

This policy does not govern the independent privacy practices of banks, lenders, factoring companies, finance companies, technology providers, or other third parties.

2. Information We Collect

The information we collect depends on how you interact with us.

Information You Provide Directly

You may provide information such as:

  • Your name, title, company name, email address, and telephone number;

  • Business location, industry, website, ownership information, and time in business;

  • The type and amount of financing being requested;

  • Revenue, accounts-receivable, invoice, customer, cash-flow, debt, lien, tax, and financial information;

  • Information about business challenges, funding needs, and intended use of proceeds;

  • Documents submitted as part of a financing review;

  • Information provided when referring a client or business;

  • Communications, questions, comments, and support requests; and

  • Other information you voluntarily provide.

Some commercial-financing transactions may eventually require sensitive financial or identifying information. Do not submit Social Security numbers, banking passwords, payment-card information, or other highly sensitive information through a general website form unless we specifically request it through an appropriate method.

Information Collected Automatically

When you visit the website, certain information may be collected automatically, including:

  • Internet Protocol address;

  • Browser and device type;

  • Operating system;

  • Referring website;

  • Pages viewed;

  • Links selected;

  • Approximate geographic location;

  • Date, time, and duration of visits; and

  • Cookie, analytics, and similar technical information.

This information helps us operate, secure, and improve the website.

Information Received From Other Sources

We may receive information about you or your business from:

  • Referral partners;

  • Funding providers;

  • Business associates;

  • Public records and publicly available sources;

  • Business-information and verification providers; and

  • Other parties you authorize to provide information.

Where legally required, we will obtain appropriate authorization before requesting personal credit information, consumer reports, or similar protected information.

3. How We Use Information

We may use information to:

  • Respond to inquiries and financing-review requests;

  • Understand your business and financing objectives;

  • Conduct an initial assessment of potential commercial-financing options;

  • Identify lenders, factoring companies, or other funding sources that may be appropriate;

  • Introduce or submit a prospective transaction to selected funding providers;

  • Communicate with applicants, business owners, referral partners, and funding providers;

  • Request documents or additional information;

  • Verify information and evaluate the legitimacy of an inquiry;

  • Detect, prevent, and investigate fraud, misuse, security incidents, or unlawful activity;

  • Operate, maintain, analyze, and improve the website;

  • Maintain business, compliance, and transaction records;

  • Enforce our agreements and protect our legal rights;

  • Comply with legal, regulatory, contractual, and reporting obligations; and

  • Send business updates or marketing communications where permitted by law.

Submitting information does not guarantee approval, an offer of financing, or completion of a transaction.

4. How We Disclose Information

We may disclose information in the following circumstances.

Funding Providers

When you request a financing review or authorize us to seek financing options, we may disclose relevant information to selected:

  • Banks;

  • Commercial lenders;

  • Factoring companies;

  • Asset-based lenders;

  • Equipment-finance providers;

  • Purchase-order finance companies;

  • Private-credit providers; and

  • Other commercial-financing sources.

We do not necessarily submit every inquiry to every funding provider. We may use the information provided to determine which funding sources appear reasonably relevant.

Once information is provided to an independent funding provider, that provider’s own privacy policy and information-handling practices may apply. Kaw Valley Financial does not control the independent use of information by an unaffiliated funding provider.

Kaw Valley Financial may receive compensation from a funding provider or another party when a transaction is introduced, approved, funded, renewed, or otherwise completed.

Service Providers

We may disclose information to companies that assist us with:

  • Website hosting;

  • Form processing;

  • Email and communications;

  • Customer and relationship management;

  • File storage;

  • Data security;

  • Analytics;

  • Document management;

  • Professional services; and

  • Other business operations.

These providers may access information only as reasonably necessary to perform services for us or as permitted by their agreements and applicable law.

Referral Sources

When an inquiry originates from a referral partner, we may provide the referral partner with limited status information when appropriate and permitted. We will not intentionally disclose unnecessary confidential financial details to a referral source without authorization.

Legal and Compliance Purposes

We may disclose information when we reasonably believe disclosure is necessary to:

  • Comply with a law, regulation, subpoena, court order, or legal process;

  • Respond to a lawful government or regulatory request;

  • Protect the rights, property, safety, or security of Kaw Valley Financial or another person;

  • Investigate fraud, misrepresentation, or unlawful conduct;

  • Enforce an agreement; or

  • Establish, exercise, or defend a legal claim.

Business Transactions

Information may be disclosed or transferred as part of a merger, acquisition, sale, restructuring, financing, transfer of assets, or similar business transaction.

With Your Direction or Consent

We may disclose information for another purpose when you direct us to do so or provide consent.

5. Sale of Personal Information

Kaw Valley Financial does not sell personal information for money.

We do disclose information to funding providers when requested or authorized as part of our commercial-financing brokerage and consulting services. We may also disclose information to service providers that support our business operations.

These operational disclosures are different from selling a list of personal information for unrelated third-party marketing.

6. Cookies and Analytics

The website may use cookies, pixels, analytics tools, and similar technologies to:

  • Enable website functions;

  • Remember preferences;

  • Understand website traffic;

  • Measure page performance;

  • Diagnose technical problems;

  • Improve content and usability; and

  • Evaluate marketing activities.

You may be able to block or delete cookies using your browser settings. Blocking certain cookies may affect website functionality.

Some browsers transmit “Do Not Track” signals. Because there is not one universally accepted method for responding to these signals, the website may not respond to every Do Not Track request. We will process legally recognized privacy-preference signals where applicable and technically supported.

7. Communications and Marketing

We may use contact information to respond to an inquiry, discuss a financing request, request documents, provide transaction updates, or communicate about related services.

You may unsubscribe from promotional emails by using the unsubscribe link included in the message or by contacting us. Even after opting out of promotional messages, we may continue sending non-promotional communications concerning an active inquiry, transaction, legal obligation, or existing business relationship.

Standard telephone, text-message, or data rates may apply when communications are made by telephone or text.

8. Referral Information

Referral partners should provide information about another person or business only when they have a lawful basis or appropriate permission to make the referral.

When you submit another person’s information, you represent that you are authorized to provide it and that the person may be contacted concerning the referral.

We may contact the referred person or business to explain who referred them, why we are contacting them, and how we may be able to assist.

9. Data Security

We use reasonable administrative, technical, and organizational measures intended to protect information from unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, email system, storage platform, or internet transmission can be guaranteed to be completely secure. You should use caution when transmitting confidential information electronically.

When highly sensitive financial information is required, we may direct you to a different submission method rather than requesting that information through a general contact form or ordinary email.

10. Data Retention

We retain information for as long as reasonably necessary to:

  • Respond to an inquiry;

  • Evaluate or facilitate a potential transaction;

  • Maintain business and referral records;

  • Meet contractual requirements;

  • Resolve disputes;

  • Prevent fraud;

  • Enforce agreements; and

  • Comply with legal, regulatory, tax, accounting, or reporting obligations.

Retention periods may vary based on the type of information, the status of a financing request, legal requirements, and legitimate business needs.

When information is no longer reasonably needed, we may delete, anonymize, or securely dispose of it.

11. Your Privacy Choices

Depending on your location and applicable law, you may have the right to request that we:

  • Confirm whether we maintain personal information about you;

  • Provide access to certain personal information;

  • Correct inaccurate information;

  • Delete certain information;

  • Limit or object to certain uses or disclosures; or

  • Provide information in a portable format.

These rights are not absolute. Certain information may be retained or excluded from a request when permitted or required by law, including information needed for legal compliance, fraud prevention, recordkeeping, dispute resolution, or an active business transaction.

We may need to verify your identity before processing a privacy request. We will use information submitted with a request only to verify and respond to that request.

Authorized agents may submit requests where permitted by law, subject to appropriate verification of their authority.

12. Information Concerning Businesses

Kaw Valley Financial primarily provides commercial-financing brokerage and consulting services to businesses.

Information identifying a company, standing alone, may not be considered personal information. However, information identifying an individual business owner, guarantor, employee, representative, sole proprietor, or referral partner may be personal information and may be covered by this policy.

13. Children’s Privacy

The website and our services are intended for business owners, executives, professionals, and other adults. They are not directed to children.

We do not knowingly collect personal information from children under 13. A parent or legal guardian who believes that a child has submitted personal information should contact us so that we can review and, where appropriate, delete it.

14. Third-Party Websites and Services

The website may contain links to websites, forms, calculators, platforms, or services operated by third parties.

We do not control and are not responsible for the security, content, availability, or privacy practices of those third parties. You should review the privacy policy of a third-party service before providing information to it.

A link or referral to a third party does not necessarily constitute an endorsement or guarantee of that party’s services, privacy practices, approval standards, rates, fees, or performance.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technology, information practices, or legal obligations.

The revised policy will be posted on this website with an updated effective date. Changes become effective when posted unless another effective date is stated.

Your continued use of the website after an updated policy is posted constitutes acknowledgment of the revised policy.

16. Contact Us

Questions, requests, or concerns regarding this Privacy Policy or our handling of information may be submitted through the Contact page on KawValleyFinancial.com.

You may also contact:

Kaw Valley Digital, LLC
Doing business as Kaw Valley Financial
Olathe, Kansas
Telephone: 913-353-4974

Please include “Privacy Request” in your message and provide enough information for us to identify and respond to your request.