THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS
PARTNERSHIP AGREEMENT
Section I: Acceptance of the Agreement
Welcome to THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS business. Please read the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Partnership Agreement and Policies and Procedures carefully, collectively referred to as the “Agreement.”
Section II: Enrollment and Annual Renewal Fee
At the time of your enrollment into the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS business, you agree to submit a $99 USD fee. Please note that the payment associated with this fee is non-commissionable.
Upon the one-year anniversary date of your enrollment into the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS business, you agree to submit a $99 USD renewal fee. This fee, too, is non-commissionable. Cancellation requests will be effective in the calendar month in which THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS receives written notice unless the debit has already been processed. If the notice to cancel is received after the debit has been processed, the cancellation will be effective in the following calendar month.
Section III: E-Sign Notice- Consent to Electronic Record
E-Sign, the Electronic Signatures in Global and National Commerce Act (15 U.S.D. 7001, et seq.), requires that you consent to entering into an electronic agreement with THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS before a THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Partnership Agreement can be executed. Please read the following information carefully:
If you enter into an online Partnership Agreement with THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS, you will not be required to submit a paper application. An electronic record will evidence the entire agreement between you and THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS. However, you must consent to the use of an electronic record and must read the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Terms of Use, THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Policies and Procedures, the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Privacy Policy and the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Compensation Plan, and electronically acknowledge below that you have read these documents.
To access these documents and submit your online Partnership Application, you will need a personal computer or Mac with Internet access and operational Internet browser software.
By clicking on “I agree” below, you consent to the use of electronic records evidencing your agreement to the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Terms of Use, Policies and Procedures and the Compensation Plan of the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Partnership Agreement. If you click on the “I Decline” box, the enrollment process will be terminated and you will be returned to the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Home page.
Section IV: IRS W9 Information
The Tax ID number must match the name as shown on your income tax return to avoid backup withholding. For individuals, this is your social security number.
Please verify the information submitted on your enrollment form. If correct, acknowledge by checking the box below, which will serve as your digital signature. For further information, please see the official IRS W9 form instructions: http://www.irs.gov/pub/irs-pdf/fw9.pdf.
Under penalties of perjury, I certify that:
The information submitted is correct.
You are not an exempt payee (generally, individuals, sole proprietors are not exempt from backup withholding)
The IRS has not notified you that you are currently subject to backup withholding.
I am a U.S. citizen or U.S. resident alien (individual/sole proprietor)
I consent to the use of electronic records and have read, understand, and agree to the THE KIRKWOOD GROUP, INC. DBA REAP PORTFOLIO PARTNERS Partnership Agreement and Policies and Procedures.
Privacy Statement
The Kirkwood Group is committed to keeping your information private.
We understand that your privacy and the security of your information are very.
important to you.
Terms and Conditions
The Kirkwood Group’s Privacy Statement is subject to the Terms and
Conditions of Use of your The Kirkwood Group products and services.
We recommend that you read your Terms and Conditions of Use. If there is a conflict
between your Terms and Conditions of Use and this Privacy Statement, your Terms
and Conditions of Use shall prevail. Except as otherwise provided, terms used herein.
and defined in your Terms and Conditions of Use shall have the same meaning that.
is given to them in the Terms and Conditions of Use.
Information We Collect from Your Use of Our Website
Our aim is to continuously improve your experience of our digital channels. We use.
cookies to improve your customer experience of our products, service and online.
applications. Our web server collects information about your visit, for example:
- number of people who visit the website.
- date and time of visits.
- number of pages viewed.
- amount of time spent on the website.
- popular sections of the website.
We may also collect information that you provide (where that information does not
personally, identify you) such as where you enter estimated figures or details into us.
website for the purpose of making calculations on lending products or for other.
reasons. Where you do so, we may use this information with Advertising Cookies to
represent this information to you and advertising that is relevant to you. We describe.
more about how our Advertising Cookies work below.
Subject to your device settings and consents, we may also collect information about
your device, your location and whether you are a user of The Kirkwood Group.
Limited Digital Banking when you use our websites. This information does not
personally, identify you and no attempt is or will be made to identify visitors.
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Location Enabled Services
In certain circumstances our location enabled services require your location to
function and if you wish to use such features you will be asked to consent to your
data being used for this purpose. This consent may be withdrawn at any time.
Personal Information You Provide to Us
Any personal information gathered from you will be managed in line with our Data.
Privacy Notice Our Data Privacy Notice explains how your personal information will.
be managed and used by us and contains details on your privacy rights.
If you ever decide that you no longer wish us to keep or use information or want
the information to be revised or updated, please feel free to contact us using the
contact details in our Data Privacy Notice. We will remove or amend the information.
as appropriate in accordance with applicable legislative and regulatory requirements.
‘Cookies’
Cookies are small pieces of information, placed on your device by us when you visit.
a website or use an app belonging to us. Some of these cookies can be recognized.
by websites when you visit them. This can help keep track of your preferences, and
also helps us keep our website and apps secure.
Cookie Types
Necessary Cookies
These allow you to move around and access secure areas of our websites and apps.
Without them, we cannot provide the online services you may want. You do not need.
to give us consent for necessary cookies to be used – they will be set automatically if.
you use our website or apps. You can find the necessary cookies that we use on
each website in our cookies policy which is available below.
Functional Cookies
These allow our websites to remember choices that you have made on previous.
visits. This could include things like your preferred language, or changes you’ve
made to the size of the text on a specific page. They can keep track of your progress.
when you are completing online application forms. Functional cookies can also be.
used to provide services you have asked for, like watching a video or using live chat on
our website. You can find the ones we use on each website in our cookies policy.
which is available below.
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Performance Cookies
These cookies collect information about how you use our websites. They tell us.
which pages you go to most often, and whether you get error messages from web?
pages. All information stored by performance cookies is aggregated and does not.
personally, identify you. You can find the performance cookies we use on each.
website in our cookies policy which is available below.
Advertising Cookies
Advertising cookies (also called targeting cookies) help us shape our advertising and
make it more relevant to you. We and our third-party advertising partners use these.
cookies to understand what you are interested in on our website, and to identify what.
other sites may have directed you to us. If you do not allow these cookies, you may.
experience less targeted advertising.
Our advertising partners can also use these cookies to understand your interests.
and show you relevant adverts on other websites across the internet, based on the
products and services that you have shown an interest in on our websites. You can
find the advertising cookies we use in conjunction with our advertising partners in us.
cookies policy which is available below. These cookies will mean that you may see.
advertising for our products and services on other websites because of the
advertising cookies that may be placed on your device.
Use of Digital Cookies
When we use the words, we, our and us here, we mean The Kirkwood Group.
The word cookie in this document can
also refer to other technologies that collect information when you use our website or
apps.
What are cookies?
Cookies are small pieces of information, placed on your device by us when you visit.
a website or use an app belonging to us. Some of these cookies can be recognized.
by websites when you visit them. This can help keep track of your preferences, and
also helps us keep our website and apps secure.
Pixels are small, invisible pieces of code that work like a cookie, but instead of
storing information in a browser, they deliver information to a server. Tags allow.
website operators to track, report, and analyze a website using a series of codes.
Later in this document we include information on how you can manage cookies.
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How do we use them?
The cookies we use (see the table further on in this document) help to give you a
better banking experience in different ways, including:
- Improving the way our services work
- Adding to the security of our websites and apps, for example when you are
logged in to our digital banking services.
- Showing advertising which, you may find useful, and which may be relevant for
you
- Enabling live chat for when you want to talk to us online
Where you interact with any of our career’s websites, we use cookies to:
- Show jobs and relevant career content (and optimizing that content based on
how visitors interact with the website).
- Record your contact and notification preferences and to understand how and
when visitors use our websites (including when they apply for jobs with us)
which helps us streamline our online recruitment processes.
How long do the cookies last?
The Kirkwood Group’s Digital Banking 365 Online, Mobile and Tablet apps,
(which for the purposes of this Privacy Statement also includes Business Online
and any other The Kirkwood Group’s Digital Banking Channel) requires the
use of certain functional cookies. If you choose to block cookies, you may not be.
able to use or access certain of our online or mobile services.
Security of information
We understand how important the security and the confidentiality of your information.
is to you. Keeping your information secure is a top priority for The Kirkwood Group.
Limited Group. Our goal is to protect your information on the Internet in the same.
way as we would over the phone, in a branch or at an ATM. Even so, The Kirkwood Group
International Limited Group cannot guarantee the privacy or confidentiality of
information relating to you passing over the Internet.
By using any of the services/information available on or via our websites or apps,
you accept and are deemed to accept that electronic mail messaging and Internet.
communication may not be free from interference by third parties and may not.
remain confidential. The use by you of our websites or apps is at your sole risk.
If you do find anything suspicious, report it. 365 online displays your last login and
last payee added details, check this is correct. Always logout of 365 online, The Kirkwood Group
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International Limited Mobile and Tablet app, Business Online or any The Kirkwood Group
International Limited OTC Market Website Fraud
Several banking organizations and their customers has been the target of hoax.
e-mails that are aimed at gathering Internet/account details of the customers. Some
of these hoax e-mails have encouraged or facilitated contact with hoax websites that
purport to be (but are not) the website of the relevant organization. The Kirkwood Group
International Limited Apps will only ever be available to download from the Apple.
App Store or Google Play. However, always be cautious of disclosing your personal details.
We only request your personal details if you initiate e-mail contact with us, or you.
initiate a request for a particular service online and we require personal details to
provide you with the requested service e.g., a loan or credit card application or other.
product information.
Hyperlinks
Some of the pages on our websites and/or Digital Banking Channels may contain.
hypertext links to websites not maintained by The Kirkwood Group.
You are reminded that different terms and conditions of use will apply as a user of
such websites. In addition, such websites may not attain the same privacy standards.
that The Kirkwood Group maintains.
Disclaimer
No member of The Kirkwood Group or any of its agents or
employees accept any liability for any loss or damage of any nature, including but
not limited to loss of profits, goodwill, or any other type of financial or other pecuniary
or direct or special indirect or consequential loss howsoever arising whether in
negligence or for breach of contract or other duty, arising out of or in relation to the
use and/or dissemination of personal information relating to you where such use.
and/or dissemination of information is done in accordance with this Privacy.
Statement and the Terms and Conditions of Use (in the event of conflict the Terms
and Conditions of Use shall prevail).
Updates
The contents of this Privacy Statement may change without notice from time to time.
This Privacy Statement was last updated on May 5, 2021.
