PRIVACY POLICY

Kernel is committed to protecting our users' ("you", "your", "yours") privacy while using Kernel's Services and this Privacy Policy serves to inform users on the information that we collect while users use Kernel Services, how they are collected, to which capacity they will be used, and why they are collected.

In this Privacy Policy, the term "personal information" refers to information collected from users including but not limited to name, email address, and other information that may be used to verify the identity of users. In this Privacy Policy, the term "non-personal information" refers to information collected from users including but not limited to Internet Protocol (IP) Addresses, statistical data regarding user demographics and behavior, that preserves the anonymity of users. Information derived from web traffic including but not limited to number of website visitors, average time of website visit, and website pages visited by users is considered as non-personal information. Publically available business or corporate information or such information provided by users is also considered non-personal information. This Privacy Policy pertains to all personal user information collected by Kernel.

When you visit the Kernel website, we collect non-personal information including but not limited to the IP address of the device with which you access the website, device information such as identifiers, name, type, and operating system, network information such as location and operator, and browser information such as type, traffic to and from the Kernel website and the pages accessed on the Kernel website.

When you visit the Kernel website or use other Kernel Services, we or our third-party vendors may place cookies or pixel tags on your computer or device in order for the following purposes:

1. Recognize that you are a Kernel user;
2. Customize your Service offerings, and served content or advertising;
3. Measure the success of promotional efforts;
4. Collect information regarding compliance and fraud mitigation.

You are free to decline Kernel's use of cookies or use a third-party tool to prevent the collection of cookies. In doing so, the Services and content that you are served may be modified in ways beyond Kernel's control.

When you visit any Kernel Machines, we collect non-personal information such as pages accessed and events enacted. When you complete any forms on the Kernel website or on any Kernel Machine, you authorize Kernel and Kernel's vendors to collect personal information pertaining to your use of the Kernel website or Machines. This includes contact information such as your name, phone number, email address, and other information that may use to verify your identity in accordance to Kernel's Terms of Service Agreement. When you use the Kernel Services, we collect information regarding your transactions as required by law in accordance with the Banking Secrecy Act and with Kernel's compliance program.

The primary purpose of information collection is to ensure that Kernel provides an efficient and enjoyable experience for users of the Kernel Services, and that Kernel abides by all applicable laws, statutes and regulations in its conduct of business. In order to accomplish these actions, your information may be used in the following manner:

1. Provide specialized support for Kernel users;
2. Process transactions and send pertaining communications to notify you on the status of your account;
3. Resolve disputes, collect fees, and address operational problems;
4. Enforce the legal and compliance use of Kernel Services by Kernel users;
5. Continuously optimize Kernel Services informed by collected information;
6. Serve targeted communications and advertising;
7. Verify submitted information pertaining to identity verification with third-parties with your express consent.

Kernel undertakes commercially reasonable efforts to protect and safeguard personal information kept in custody by Kernel. Physical, digital and administrative efforts are implemented to minimize the risk of dissemination of personal information in ways that are not addressed and agreed upon in this Privacy Policy. The use of industry standard security protocols such as Secure Sockets Layer (SSL) encryption protects your digital information from unintended dissemination.

Kernel undertakes commercially reasonable efforts to protect and safeguard personal information kept in custody by Kernel. Physical, digital and administrative efforts are implemented to minimize the risk of dissemination of personal information in ways that are not addressed and agreed upon in this Privacy Policy. The use of industry standard security protocols such as Secure Sockets Layer (SSL) encryption protects your digital information from unintended dissemination.

Kernel may share personal information to service providers that are contracted to assist with Kernel's business operations such as digital services, fraud prevention, bill collection, and marketing. Kernel may share personal information with law enforcement, government officials or other third parties when compelled by subpoena, court order or any similar legal instrument or when the shared information is necessary in preventing harm or financial loss and in reporting suspicious or illegal activities. For other instances of sharing personal information, Kernel will obtain your consent or authorization prior to doing so.

Kernel will not sell or rent personal information to any other third-parties and limits the sharing of personal information to the scope defined herein.

You have the right to access and modify the personal information that you have provided to Kernel. Upon written request, Kernel will provide you with a copy of the personal information and a general account of the utilization of your personal information by Kernel. In certain circumstances, Kernel may be unable to provide you with your personal information that may contain the personal information of another user or information regarding Kernel. During such instances for which Kernel is unable to provide you with certain information, Kernel will issue a written explanation.