Last Updated on: December 5, 2019
Onlineloansmichigan is committed to protecting the privacy of visitors to our website, subscribers to our newsletters, and those providing contact information.
INFORMATION DO WE COLLECT & HOW IS IT USED?
Information You Voluntarily Submit to the Website: We collect Personal Data from you when you voluntarily provide such information, such as when you contact us with inquiries, register for access to the Website or purchase products or services from the Website. Personal Data may include, but is not limited to, the below:
Information We Collect from Others: We may receive information about you from other sources. For example, if you use a third-party software through the site, they may transfer information to us for fulfillment. For more information about our use of third-party providers, please see below.
Automatically-Collected Information: We automatically collect certain information about you and the device with which you access Onlineloansmichigan. For example, when you use Onlineloansmichigan, we will log your IP address, operating system type, browser type, referring website, pages you viewed, and the dates/times when you accessed the website. We may also collect information about actions you take when using Onlineloansmichigan, such as links clicked.
Cookies: We may log information using
cookies, which are small data files stored on your browser by Onlineloansmichigan. We may use both
session cookies, which expire when you close your browser, and persistent
cookies, which stay on your browser until deleted, to provide you with a more
personalized experience on the website. For more information about our use of
cookies, please see below.
HOW YOUR PERSONAL INFORMATION MAY BE USED
Onlineloansmichigan, and our subsidiaries and affiliates (the “Related Companies”), may use your personal information in the following ways:
BASES FOR PROCESSING DATA UNDER THE GENERAL DATA PROTECTION REGULATION (“GDPR”)
Below are the types of lawful basis that we will rely on to process your Personal Data:
Onlineloansmichigan SHARE MY INFORMATION?
Onlineloansmichigan will not share, rent, or sell your personally identifiable information with third-parties. We may, however, share your information with third-parties when we are authorized to share such information.
Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets.
Third Parties with Permission: We may share your information with third parties to whom you ask us to send your information.
Agents, Consultants, and Related Third Parties: Onlineloansmichigan, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and processing payments. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
Legal Requirements: Onlineloansmichigan may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation or to respond to requests from law enforcement or other government officials relating to investigations or alleged illegal activity or in connection with our own investigation of suspected or actual illegal activity, in which case we may (and you hereby authorize us to) disclose information without subpoenas or warrants served on us, (ii) protect and defend the rights or property of Onlineloansmichigan (iii) act in urgent circumstances to protect the personal safety of users of the Website or the public, (iv) protect against legal liability including to resolve disputes, investigate problems, or enforce our Customer contracts.
Tracking: Onlineloansmichigan uses various marketing tools that help us create a better user experience for people visiting our site. These tools allow us to look at aggregated data such as scrolling patterns, clicks, and allow us to run tests to determine which pages result in the best actions. However, your personally identifiable information is not used by any of these tools. We use the following third-party service providers for tracking:
You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our site and Hotjar’s use of tracking cookies on other websites by following this opt-out link.
Remarketing: Onlineloansmichigan uses remarketing tracking cookies and conversion pixels from vendors such as Google and Facebook to present special offers to you for our products or services over the Google Content Network and via social networks. This means you may see an ad for one of our products or services as a result of visiting our website. In addition, Onlineloansmichigan uses custom audiences based on e-mails and phone numbers of subscribers and customers. This allows us to present special offers for our products and services to you via Facebook and Google. However, your personally identifiable information is not used by any remarketing service other than to present you special offers from us. We use the following third-party service providers for remarketing:
Facebook: Opt-out of Facebook remarketing here
Newsletters: Onlineloansmichigan uses MailerLite as its e-mail service provider. Through MailerLite, we collect contact information, distributes our newsletter, and tracks actions you take that assist us in measuring the performance of the website and newsletters. Upon subscription, we also track the pages you visit on the website through MailerLite. If you become a customer, information about the products you purchase is passed into MailerLite.
We may also rely on a third-party service, MailOptin, to service certain pop-up subscription boxes. Any information collected by MailOptin is passed through directly to MailerLite.
All information submitted for your participation is stored by the software hosting the webinar. Please consult their individual privacy policies.
Contact Information and Website Support: We offer multiple ways to contact Onlineloansmichigan, including contact forms and e-mails. If at any time, you attempt to contact us through a contact form, the information you provide will be stored on our servers. If you submit a form or email us, we use MaielrLite to process all these inquiries and track responses.
TYPES OF DATA
Non-Identifiable Data: When you interact with us through the Website, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. We may store such information or such information may be included in databases owned and maintained by our affiliates, agents, or service providers. The Website may use such information and pool it with other information to track, for example, the total number of visitors to our Website, the number of visitors to each page of our Website, and the domain names of our visitors’ Internet service providers. It is important to note that no Personal Data is available or used in this process.
Aggregated Personal Data: In an ongoing effort to better understand and serve the users of the Sites, Onlineloansmichigan my conduct research on its customer demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and we may share this aggregate data with our affiliates, agents and business partners. This aggregate information does not identify you personally. Onlineloansmichigan may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.
If you create a user profile on Onlineloansmichigan or the Social Media Marketing Society or leave a comment on Onlineloansmichigan, certain information may be publicly visible.
A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that a website can remember some information about your browsing activity on the Website. The Cookie will collect information relating to your use of the Website, information about your device such as the device’s IP address and browser type, demographic data and, if you arrived at our Website via a link from third party site, the URL of the linking page.
In addition to Cookies, the Website may use web beacons. Web beacons allow us to count the number of users who have visited or accessed the Website and to recognize users by accessing our cookies. We may employ web beacons to facilitate Website administration and navigation, to track the actions of users of the Website, to compile aggregate statistics about Website usage and response rates, and to provide an enhanced online experience for visitors to the Website. We may also include web beacons in HTML-formatted e-mail messages that we send to determine which e-mail messages were opened. A web beacon is often invisible because it is only 1 x 1 pixel in size with no color. A web beacon can also be known as a web bug, 1 by 1 GIF, invisible GIF and tracker GIF.
ARE THE DIFFERENT TYPES OF COOKIES AND HOW DO WE USE THEM?
Essential: These are Cookies which are essential for the running of our Website. Without these Cookies, parts of our Website would not function. These Cookies do not track where you have been on the internet and do not gather information about you that could be used for marketing purposes.
Examples of how we may use essential Cookies include:
Functional: These Cookies are used to remember your preferences on our Website and to provide enhanced, more personal features. The information collected by these Cookies is usually anonymized, so we cannot identify you personally. Functional Cookies do not track your internet usage or gather information which could be used for selling advertising.
Examples of how we may use functional Cookies include:
Analytical Performance: Analytical performance Cookies are used to monitor the performance of our Sites, for example, to determine the number of page views and the number of unique users our Website has. We use this information to improve user experience or identify areas of the Website which may require maintenance. The information is anonymous (i.e. it cannot be used to identify you and does not contain personal information such as your name and email address) and it is only used for statistical purposes.
Examples of how we may use analytical Cookies include:
Advertising: Behavioral advertising Cookies, which may be placed on your device by us or our trusted third-party service providers, remember that you have visited a website and use that information to provide you with advertising which is tailored to your interests. This is often called online behavioral advertising and is done by grouping together shared interests based upon web browsing history. Your web browsing history can be used to infer things about you (e.g. your age, gender etc.), and this information may also be used to make advertising on websites more relevant to you. Although behavioral advertising Cookies can track your activity around the internet, these Cookies cannot identify you personally, even if you are signed in to our Website.
Examples of how we may use advertising Cookies include:
Third Party Cookies: You may notice on some pages of our Website that Cookies have been set that are not related to us. When you visit a page with content embedded from, for example, YouTube or Facebook, these third party service providers may set their own Cookies on your device. We do not control the use of these third party Cookies and cannot access them due to the way that Cookies work, as Cookies can only be accessed by the party who originally set them. Please check the third-party websites for more information about these Cookies.
YOU MANAGE OR OPT OUT OF COOKIES?
Cookies, including those which have already been set, can be deleted from your hard drive. You can also change the preferences/settings in your web browser to control Cookies. In some cases, you can choose to accept Cookies from the primary site, but block them from third parties. In others, you can block Cookies from specific advertisers, or clear out all Cookies. Deleting or blocking Cookies may reduce functionality of the Website. To learn more about how to reject Cookies, visit www.allaboutcookies.org or go to the help menu within your internet browser. If you experience any problems having deleted Cookies, you should contact the supplier of your web browser.
Opting out of Analytical Performance Cookies
If you would like to opt out of Analytics Cookies, please do so by clicking on the links below:
Google Analytics: Opt-out Browser Add-on
Opting out of Behavioral Advertising Cookies
If you would like to disable “third party” Cookies generated by advertisers or providers of targeted advertising services, you can turn them off by going to the third party’s website and getting them to generate a one-time “no thanks” cookie that will stop any further Cookies being written to your machine. Here are links to the main third party advertising platforms we use, each of which have instructions on how to do this:
FURTHER INFORMATION AND CONTACT DETAILS
RELATED TO YOUR PERSONAL DATA
Please note that while any amendments, corrections or deletions will be reflected in active user databases (as updated with a reasonable period of time), we may retain all Personal Data for backups, archiving, prevention of fraud and abuse, analytics, and satisfaction of other legal obligations we reasonably believe applicable.
We may retain your Personal Data to comply with laws, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigations, enforce our contracts, and take other actions otherwise permitted by law.
contact us at hello@Onlineloansmichigan.com to submit a request or obtain information
regarding any of the above.
Opt-out: You may opt-out of future e-mail communications by following the unsubscribe links in our e-mails. You may also notify us at hello@Onlineloansmichigan.com to be removed from our mailing list.
Access: You may access the personal information we have about you by submitting a request to hello@Onlineloansmichigan.com.
Amend: You may contact us at hello@Onlineloansmichigan.com to amend or update your personal information.
Forget: In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request to hello@Onlineloansmichigan.com
California Residents: Pursuant to the California Consumer Privacy Act of 2019 (“CCPA”), you have the right to request disclosure of our data collection and sales practices in connection with our data collection of your Personal Data. You may also request the categories of Personal Data we have collected, the source of the Personal Data, our use of the Personal Data and if the Personal Data was disclosed or sold to third parties, including the categories of Personal Data sold or disclosed. You also have the right to request a copy of the Personal Data collected about you for the twelve (12) months prior to the date of your request. You have the right to request that we delete your Personal Data, with the exceptions noted above and those delineated in the CCPA. You have the right to request that we do not sell your Personal Data to any third parties. In the event you make such a request, we reserve the right to collect information from you to verify your identity and right to request such information. All requests made pursuant to the CCPA shall be made to hello@Onlineloansmichigan.com or to Onlineloansmichigan, Kufsteinerplatz 2, 81679 Munich, Germany. We will respond to all requests within forty-five (45) days of our receipt of the request, unless we inform you of our need for an extension to the request. We will not discriminate against you for exercising any of your rights under the CCPA.
Unless you choose to provide it to us, we do not collect sensitive personal information from you using the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships. If you elect to submit such information to us, it will be subject to this Privacy and Spam Policy.
Onlineloansmichigan is strongly opposed to spam. We will only send e-mail to users that have explicitly requested to receive an e-mail from Onlineloansmichigan. Examples may include:
Onlineloansmichigan contains links to other sites. Please be aware that Onlineloansmichigan is not responsible for the privacy practices or the content of such other sites. We encourage our users to be aware when they leave our site to read the privacy and spam policies of each and every website that collects personally identifiable information. This Privacy and Spam Policy applies solely to information collected by Onlineloansmichigan.
If you send us an email with questions or comments, we may use your personally identifiable information to respond to your questions or comments, and we may save your questions or comments for future reference. For security reasons, we do not recommend that you send non-public personal information, such as passwords, social security numbers, or bank account information, to us by email. You may “opt out” of receiving future commercial email communications from us by clicking the “unsubscribe” link included at the bottom of most emails we send, or as provided below; provided, however, we reserve the right to send you transactional emails such as customer service communications.
HOW DO I CONTACT Onlineloansmichigan?Onlineloansmichiganwebsite or this Privacy and Spam Policy, you may contact us.
TERMS AND CONDITIONS
Your access to and use of the Website may also be subject to any separate agreements or terms and conditions you have signed or agreed to with Onlineloansmichigan. Please refer to those agreements as needed.