*Kiva.org (Kiva) uses the terms “loan”, “micro-loans” and “lending” to describe its and your activities through Kiva. To avoid confusion, Advanta uses the term “grant” because, unlike in a true lending situation, you have no legal right to, and there is no guarantee of, repayment of funds you provide from Kiva, the ultimate recipient of the funds or anyone else. The funds you provide through Kiva are combined with funds from others and are provided by Kiva to a microfinance institution (a foreign lender or bank) to lend to a small business or entrepreneur in a developing country.

If you use your Advanta BusinessCard to make a grant, you must repay Advanta for any amounts charged as required by your cardholder agreement whether or not you are repaid. Any grant or “loan” made through Kiva is administered solely by a microfinance institution chosen by Kiva. Advanta Corp. and its affiliates have no responsibility for or control over any such grant; the use, interest charged on, repayment or collection of the loan resulting from your grant; the repayment of funds to you; any legal issues relating to the transaction, Kiva or the microfinance institution; the Kiva website; or the security and privacy policies and practices of Kiva and the Kiva website.