| http://www.w3.org/ns/prov#value | - By participating in the Program or otherwise accessing or using the Website, you hereby acknowledge and agree that (a) Kiva makes no representation, warranty, covenant or guarantee that any funds you lend to a Borrower via the Website will be repaid in whole or in part, (b) loans and other similar transactions made via the Website (each, a Loan) are unsecured and bear a high risk of non-repaymen
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