This Privacy Policy, together with our Terms of Use, describes the types of personal information we collect and how we use that information. It also describes the choices available to you regarding our use of your personal information and how you can access, update, and restrict our use of your information. By accessing our website at , you signify that you have read this Privacy Policy, and you expressly consent to our collection, use, disclosure, storage and protection of your personal information as described in this Privacy Policy. Capitalized terms used but not defined in this Privacy Policy have the meanings defined in our Terms of Use.

Our website address is:

Personal Data and we collect (and how we collect it)

Basic Personal Information. 

When you create an account on the Website, we collect your name, email address, and a means to authenticate your account (for example, a password). You may also choose to provide additional information, such as your location, a picture, your address, and your payment account identifying information.  We may receive some information about you from other awaa  Users (for example, if they invite you to use the Program, or in order to deliver a awwa Card purchased for you) and from third-party payment processing providers like PayPal (for example name, payment account email address, and in some cases physical address).

Transaction Activity.  

We record information about the Loans you make through the Program, individually (for example, amount and recipient of a Loan) and in the aggregate (for example, number of Loans made and distribution by gender, country, and sector).  We also collect information on any donations you make to awaa (whether through the Website or offline).  If you purchase an awaa Card, we collect information about your purchase (for example, your name, the purchase date, and the amount) and information you provide about your recipient (for example, name and email or physical address for delivery).  If you redeem an awaa Card, we record (and may disclose to the purchaser) your Lender profile and the date you redeem the awaa Card.

Loan Application and Borrowing Activity. 

If you apply to borrow funds through the Program, we collect information you provide (for example, photograph, email and physical address, phone number, description of business and finances, personal references, desired loan terms, payment account, and certain demographic information), as well as information from third parties (such as your personal references, your awaa Trustee, credit reporting agencies, and public Internet searches).  If you are approved to borrow, we record information on individuals you invite to become Lenders, whether or not your Loan is successfully funded, repayments you make, updates you provide to Lenders, and your correspondence with awaa.

Other Use of awaa’s Website and Features

We may collect other information you choose to provide in order to facilitate your participation in the Program or use of Website features.

    • If you make changes to your awaa account preferences (for example, receiving marketing information from us, instructions on whether to automatically lend funds in your account, and whether to donate inactive account funds), we record that information.
    • If you join a lending team, we collect information on the Loans you attribute to the team and any comments you post to the team message board.
    • We also collect comments you post to any other Web page hosted by awaa (such as a Loan page, blog, or volunteer forum), or through awaa’s Lender messaging feature.
    • If you invite a friend to use the Website, we will ask you for your friend’s name and email address. Awaa stores this information for the sole purposes of sending your friend a one-time email inviting him or her to visit the Website, giving you the ability to send your friend reminders, and tracking the success of our referral program. If you choose to import contacts from your email account address book to invite friends to our Website, we or our service providers will collect your email, username, and password and we will only use them for that purpose.
Other Interactions with Awaa. 
    • If you submit an application to awaa (for example, to be an employee, volunteer, or Trustee), we collect the information you submit (for example, name, phone number, resume, cover letter, and position of interest) to review your application and follow up with you.
    • If you contact awaa customer service, we will collect the information you provide (for example, your name, email address, physical address, phone number and comment) in order to respond to you.
    • If you participate in a survey or other promotion, we may request certain personal information from you (for example, name, address, and demographic information).
Authentication Information from Third-Party Applications.  

If you choose to access the Website through a third-party integration, you grant awaa permission to access and use certain information about you from that third-party application in accordance with the third-party application’s terms of use, awaa’s Terms of Use, and this Privacy Policy:

    • If you sign into the Website through your Facebook account, you grant awaa permission to access your public Facebook information (including account email address and photograph), as well as a list of your Facebook friends who also use awaa, and whether you opt to show your awaa lending activity to your friends through Facebook.
    • If you sign into the Website through your Google account, you grant awaa permission to access your email address and public Google profile information.
    • If you sign into the Website through your Apple ID, you may choose to grant awaa access to your name and email address in accordance with Apple’s terms of use and settings.

Awaa may from time to time offer similar third-party integrations with other services.

Technical Data. 

Regardless of whether you have an awaa account, we use tools like cookies, web beacons, and other automated systems to collect data on your behavior when you use the Website.  Please see our Cookie Policy for more detailed information.  If you have enabled cookies in your browser, awaa, independently and through third-party tools and programs (such as Google Analytics), collects certain technical information (for example, your path to the Website, pages visited, originating IP address, device type, browser type, browser language, network connection type, and the date and time of your visit).  We use these tools to analyze data to improve User experiences and prevent fraud. Please note that many internet browsers offer a Do Not Track (DNT) setting; because there is no industry or legal standard for DNT signals, awaa does not respond to them. 

If you provide information to us about individuals other than yourself, you must ensure that they have given their permission for you to disclose the information to us and for you to allow us to use it in the ways described in this Privacy Policy.

Accessing and updating your personal information

This policy describes the types of data we collect, as well as the sources from which we obtain it, the purposes for which we use it, and the categories of third parties with which we share data.  You have the right to access the specific personal data awaa has on you.  You can view this information through your awaa account.  You also have the right to request that we provide some of your personal data to you (or to another third party), in a machine-readable format.  To make such a request, or if you have additional questions about information awaa has collected on you, please reach out to us at

If your personal information changes, you may update, amend, or remove certain information by signing into your awaa account and making the change in your account settings, or by contacting awaa.  We will respond to your requests within 5 days maximum.

How Awaa Uses Your Personal Information

We will only collect and use your personal data (i) to carry out the terms of a contract we have entered into with you (including providing our services pursuant to our Terms of Use), (ii) where you have given consent, or (iii) where we have a legitimate interest in conducting our operations, such as:

    • to facilitate access to your awaa account;
    • to personalize your experience using the Website and to communicate with you about your transactions or other Website activity;
    • to respond to your comments or inquiries to awaa customer service;
    • to contact you (including via email) with general information about our initiatives, marketing campaigns, surveys or other promotional activities such as events.
    • to analyze and improve our services and communications;
    • to monitor compliance with our policies and standards, and to improve security;
    • to deliver an invitation to use the Website or a Kiva Card purchased for you by another User;
    • to process applications for employment or volunteer positions;
    • to comply with applicable law or court orders and to exercise or defend our legal rights or the rights of others.

We do not use your personal data for making any automated decisions.  Where we need your personal information in order to provide our services or otherwise process your instructions and you fail to provide that information, we may not be able to carry out your instructions or deliver our services pursuant to our Terms of Use. In some cases you may not be able to open a awaa account, or we may be required to close your account.

Disclosure Of Your Personal Information

Awaa does not sell or rent your personal information to third parties.  We may disclose any of your personal information in the following circumstances:

    • Publicly, to the extent described in the section below (Information Displayed Publicly).
    • In order to comply with applicable law, regulation, legal process, or governmental request, or to otherwise protect the rights, property, and safety of awaa, Users, and others.
    • With our affiliates and service providers, agents and representatives in connection with their provision of services to awaa for business purposes (for example, account authentication, facilitating Website functionality, processing transactions, distributing awaa emails, conducting surveys, managing employment applications, and monitoring Website traffic and security). All such access shall be under appropriate confidentiality agreements and limited to use to provide services to awaa to help us further our mission.
    • With third parties providing integrated Website features that you choose to use (for example, Facebook and Twitter) to allow you to share information about your Loans or other Website activity.  Please note that we may withhold or withdraw information related to Loans you have made to the extent necessary to protect the privacy of borrowers.
    • If you apply to be an awaa fellow, we may disclose your application information to our Field Partners in order to help evaluate your application and placement.
    • Aggregated or pseudonymized data that does not directly identify you may be shared with third parties for educational, informational or promotional purposes in furtherance of awaa’s mission.
Information Displayed Publicly
Lender Profile. 

When you create an awaa account, the default setting is to have a public profile on the Website.  You have the option of changing your profile setting to “anonymous,” which will hide your profile from the public.  A public profile displays your first name, area of residence (city, state/province and country), picture, public Lender page URL, and the date on which you created an awaa account.  Other information you choose to provide (for example, your occupation, the reasons why you lend, a description of your work, and your website), will be publicly displayed as well.  If you have performed work for awaa (for example as an awaa Fellow), information related to this work may be automatically included on your public profile.

Lending Activity. 

Once you begin to make Loans, your public profile will automatically display information about the Loans to which you have contributed, and your name and picture will be displayed on the pages for those Loans.  Awaa may also publicly display your Loan activity, either in a personally identifiable or anonymous manner (depending on your profile setting at the time of such display), for example, as part of a visualization of the current or historical activity on the Website.


If you invite other people to use awaa, the profiles of those who have accepted your invitations and created an account on the Website may be displayed on your public profile as accepted invitees. In turn, if you have accepted an invitation from another awaa user, your public profile may be displayed as an accepted invitee on the profile page of the person who invited you.

Lending Teams. 

If you join a lending team and you have a public profile, information about your lending team(s) will be displayed on your profile. In turn, you will be displayed as a member (and a captain, if applicable) of the lending team on the team’s page either in a personally identifiable or anonymous manner (depending on your profile setting) along with the date you joined the team. The Loans you have attributed to a lending team (individually and in the aggregate) also will be displayed on the team’s page as Loans made by that team.

Borrower Profile. 

If you are approved to raise a Loan as an awaa borrower, some of the information you provided in your application will be displayed publicly on your Loan page on the Website (for example, your first name, business name, picture, location, written narrative, and amount of your Loan request).  The status of your Loan request will also be publicly displayed (for example, fundraising, fully funded, expired, or ended).  If your Loan is fully funded, your repayment schedule and repayment activity will be viewable by your Lenders and Trustee (if applicable), including information on whether you have missed repayments or are in default.

Lender Messaging Feature. 

If you send a message to another User through awaa’s Lender messaging feature, your name, location, and a link to your public profile will be made available to the recipient along with the content of your message.

Public Forums.

 Awaa hosts various publicly accessible blog pages and community forums. Any information you provide in these areas may be viewed by others who access them.

How Long We Keep Your Personal Information

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for.  Our standard retention periods are as follows:

    • Personally identifying data of awaa Lenders, including profile information, account activity, and Website browsing data: deleted no later than a period of 1 year after Lender’s account becomes inactive (as defined in awaa’s Terms of Use).
    • Cookies and other Website browsing data (including IP addresses) of Users who do not have an awaa account: deleted no later than two years from date of collection.
    • Communications with Users who have contacted awaa via email: deleted two years after the User’s last message to awaa.
    • Applications for employment or volunteer positions with awaa: deleted no later than three years after application date.
    • Contact information and donation history of offline donors: kept for as long as may be relevant to facilitate donations.
    • Personal data of awaa borrowers and borrower applicants: kept indefinitely for data integrity and fraud prevention purposes.

Awaa reserves the right to retain indefinitely data that does not directly identify you, for example, aggregated or anonymized data.

How to Limit Our Use of Your Personal Information

In certain circumstances, you have the right to restrict awaa’s use and storage of your personal information.  For instance, you may ask us to erase your personal data when it is no longer necessary for the purposes for which it was collected.  If our collection and use of certain personal information is based on your consent, you have the right to withdraw your consent.  In such case, we will no longer process your information unless there is another legal ground to do so.  You may ask us to limit our use of your personal data or to erase your personal data by contacting us at

As certain personal information is necessary for your participation in the Program, we will be unable to delete that information unless you choose to close your awaa account. You may close your account at any time and for any reason by sending a written notice of termination to awaa along with instructions for the disposition of your then-available awaa Credit and any additional credits that you may receive in the future (for example, repayments toward then-outstanding and active Loans), such notice to be effective within three days of receipt by awaa.

Security of Your Personal Information

Awaa takes reasonable steps to maintain appropriate physical, technical and administrative security to help prevent loss, misuse and unauthorized access, disclosure or modification of personal information.  While we take these reasonable efforts to safeguard your personal information, no system or transmission of data over the Internet or any other public network can be guaranteed to be 100% secure. 

Electronic Communications and Emails

You will receive certain notices and information based on your account status or activity (collectively, “Communications”) from awaa (for example, confirmations of Loans or donations you have made, statements with respect to the amount of awaa Credit available in your account, confirmation of email address or password changes, and inquiries regarding activity in your account). By creating an awaa account, you agree that all Communications from awaa relating to your use of the Website and participation in the Program may be made electronically by email or at the Website (although we reserve the right to provide you with certain Communications through physical mail). To access the Communications, you will need to use a computer with a browser,  or with hardware capable of running a browser. You may withdraw your consent to receive Communications electronically by contacting awaa as described below. However, if you withdraw your consent to receive electronic Communications (other than for the optional emails described below), you will not be able to fund any additional Loans through the Website. The withdrawal of your consent will not affect the legal validity of electronic Communications provided before you withdraw your consent, or in connection with any of your Loans that have not been fully repaid by the time you withdraw consent.  It is your responsibility to inform awaa of any changes to your email address so that you continue to receive all Communications without interruption. You may request a paper copy of any electronic notice from awaa by sending an email to, including your name and the address to which you would like the paper copy sent.
By default, you will receive the following types of optional emails from awaa: news and promotions, portfolio and balance updates, and Loan and borrower updates. Note that if you have a public Lender profile, other Users will be able to send you messages through the Website.  You have the right to object to receiving these optional emails from awaa, and you can stop receiving them by clicking an “unsubscribe” link in an email, or by changing your email preferences in your account settings.

Third Party Applications and Links to Other Websites

If you follow any links on the Website that take you to a third-party site (for example, PayPal, Facebook, or Twitter), this Privacy Policy no longer applies.  The privacy practices of other websites and other parties are governed by their respective terms of use and privacy policies.

Location of Data

Awaa collects and stores data from all over the word. Your personal information may be accessed by awaa, our affiliates, service providers, agents, and representatives around the world.  Awaa will abide by this Privacy Policy regardless of where your personal information is processed or stored.

Children Under the Age of 13

The Website is intended to be used by adults. It is not intended for children, and awaa does not want to collect any personal information about individuals under the age of 15. Awaa recommends that parents do not post, or permit others to post, any personally identifiable information with respect to children under the age of 15. If you believe that we have any information from a child under age 15, please let us know at

Contact Details

We take privacy seriously and we value yours. For additional information, or if you have any questions regarding this Privacy Policy or the privacy practices at awaa, please submit your questions or comments directly to via email. 
If you believe that any of your rights with respect to your personal data have been breached, you may also lodge a complaint with the appropriate supervisory authority or seek a remedy through the courts.

Changes to this Privacy Policy

Awaa may update or modify this Privacy Policy from time to time. We will note the previous date of any such changes at the top of this policy. If we make any material changes we will notify you by email or by means of a notice on this Website prior to the change becoming effective. Please be sure to check this page periodically for changes.


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.