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Privacy Policy

Privacy Policy — Summary

This privacy policy ("Privacy Policy") describes our data collection practices in connection with this site (as well as its subdomains, features, and services available thereon, the "Site"), and in connection with your use or engagement with any feature, content, offer, element or service we make available to you via the Site (the "Services").

We may change this Privacy Policy at any time. We will post the modified Privacy Policy on the Site, and the "Last Updated" statement at the top shall reflect the effective date of the modified version. If you access or use the Site following such date, you consent to the modified Privacy Policy. If we make significant changes, we will provide more prominent notice to you, such as posting a notification on the Site, seven (7) days before the changes become effective.

This Privacy Policy includes:

  • Terms Of Use
  • Our Legal Bases of Processing
  • Information We Process
  • The Way We Use Personal Information
  • Sharing Your Information with Third Parties
  • Links to and Interaction with Third Party Properties
  • Choices and Opt-Out
  • Information Security
  • Children's Privacy
  • Commitment
  • Contact Us

1. Terms of Use

This Privacy Policy forms an integral part of the Site's Terms of Use. Any capitalised term in this Privacy Policy that was not defined will have the meaning given to it in the Terms. "Personal Information" means information that may be used, either alone or in combination with other information, to personally identify an individual, such as a first and last name, an email address, phone number, a home or other physical address, and other contact information. In some jurisdictions and given the specific use we make with the information, an IP address may also be considered Personal Information.

You are not legally obligated to provide us with Personal Information nor are you required to use the Site in the first place. By using the Site and engaging or interacting with the Services, you consent to this Privacy Policy and to our information practices described herein. If you do not agree to this Privacy Policy, please do not access or otherwise use the Site or the Services.

2. Our Legal Bases of Processing

We process and use Personal Information in accordance with applicable data protection laws. Our legal grounds for processing your Personal Information will typically be one or more of the following:

2.1. Consent. If necessary, we may ask for your consent to process your Personal Information to provide additional services. When we rely on consent as our legal basis you may ask to withdraw your consent by sending us a request through our contact form.

2.2. Contract performance. By accessing or using the Site, you express your intent to use our Services and ask us to provide them. To do so, we need to process some of your Personal Information in order to provide you with offers from our Partners regarding potential investment platforms.

2.3. Legitimate Interests. Your Personal Information may be used if we have legitimate business reasons to do so — to operate, improve, and promote the Services and to protect our business.

2.4. Legal Obligations. We may use your Personal Information in certain circumstances to comply with regulatory obligations.

3. Information We Process

When you visit the Site, or use the Services, we may collect certain information about your visit and usage of the Site and the Services, in one or more of the following ways:

3.1. Information You Provide to Us. Some of the Services require you to submit Personal Information in order to use them. You must specifically and actively consent to such Services and features.

3.1.1. Third Party Forms and Services: The Site lists, rates and compares a variety of financial services businesses, lending partners, platforms, brands and commercial entities (collectively, "Partners"), as well as their products and services. We may provide you with offers and Products of Partners via an online request to be filled by you, upon your intent choice and consent.

3.1.2. Contact Us. If you send us a request, whether by filling out our form or sending an email or by other means, you may provide us with certain Personal Information, such as your name and email address. Such information, including the content of your request, will be used for the purposes of addressing your request and for our legitimate business purposes.

3.1.3. Blogs, Newsletters, Surveys and Promotions. The Site may contain a blog forum, reviews, and articles displaying information about the Partners, Products, and the relevant market. The Site may also offer you the opportunity to subscribe to newsletters. Your interaction may require you to provide certain Personal Information such as your name and email address.

3.2. Information We Collect from You. We collect information about your use of the Services and your interaction with the Site in the following ways:

3.2.1. Device Information: For delivering and compatibility purposes, we collect device information such as: device type and version, operating system type, language, version, and information that can be extracted out of a user agent, such as browser type and screen resolution.

3.2.2. Interactions and Usage: In order to provide the Services, operate the Site, and keep improving it, we collect information about your interaction and use of the Services, such as: URLs from which you were directed to the Site, internal URLs of the Site (such as your views or clicks), date/time stamp of Site use, timing for clicks and page-views.

3.2.3. Log Files: We collect information through server log files, and also by deploying tracking technologies within the Site, such as pixel tags. We do this to analyse trends, track user engagement and interaction with the Site and respective Services. The information collected may include internet protocol (IP) addresses that your Internet Service Provider allocated to your device.

3.2.4. Click ID: We may collect and process certain non-personally identifiable information, such as Google Click ID (GCLID), to assess the effectiveness of our advertising campaigns and improve our services. This data is collected and utilised without the use of cookies and is not linked to any personal identifiers, such as your name or contact details.

3.2.5. Cookies and Similar Technologies. The Site may use "cookies" and other anonymous web tracking technologies. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent to your browser. Please refer to our Cookie Policy for more information about the type of cookies used and the manner in which we use cookies/tracking technologies on our Site.

3.3. Information We Receive from Third Parties. In order to enable and facilitate sync with third parties, as well as to provide you with tailored offers and services from Partners, we may receive information from third parties, such as: an internal user identifier that our system generates to each user, details of Products you purchased, or applied for, from the Partners, and a summary of action taken by you.

4. The Way We Use Personal Information

In addition to the uses of information we collect described elsewhere in this Privacy Policy, we also use Personal Information in the following ways:

  • administer and make available the Site and Services to you;
  • further develop and generally improve the Site and the Services;
  • counting and tracking purposes of referrals and ads;
  • validation of users as human and anti-fraud monitoring;
  • respond to your inquiries and other communications with you;
  • identify or authenticate your access and use of the Site; and
  • market to you personalised offers.

5. Sharing Your Information with Third Parties

We do not share Personal Information about you with third parties, except for the following circumstances:

5.1. Data Storage and Security Platforms: We use third party cloud and storage services to store and retain all Information that we collect about you. Such entities include Amazon Web Services. We use Data Platforms that maintain strict privacy protection and data security policies, and strict compliance with applicable data protection laws.

5.2. Third Party Service Providers. We may send or otherwise share your Information to/with various third party service providers that help us with our business operations, that help us understand how our users use the Site and Services, operate and improve them. These providers will process your Personal Information only on our behalf.

5.3. Social Media Platforms. We may share hashed versions of your Information with our advertising partners such as Google and Meta. This is to enhance the relevance of the ads you see through services such as Google Customer Match. We may share information with social media platforms for marketing and operation purposes.

5.4. Enforcement. We may share your Personal Information with any third party if we believe that disclosure of such information is helpful or reasonably necessary to: (a) comply with any applicable law, regulation, legal process, or governmental request; (b) enforce our Terms of Use, including investigations of potential violations thereof; (c) detect, prevent, or otherwise address fraud or security issues; and/or (d) protect against harm to the rights, property or safety of us, our affiliated entities, our users, yourself, and/or the public.

5.5. Offerors. In case you will choose and be interested to receive offers from our Partners, based on your Personal Information, the Services may offer you to submit an online request. In such case, we will send your Request information or otherwise share it to/with our Partners and service providers in order for such Partners to provide you with personalised offers and to contact you with the information you have requested.

5.6. Affiliates, Merger, Sale or Bankruptcy. We may share your information with our group companies. In the event that we or one of our affiliated entities is acquired by, or merged with, a third party entity, or otherwise sells all or part of our assets, we may transfer or assign the Personal Information and other information we have collected or received.

5.7. Analytic Tools. We may use analytics tools, including Google Analytics. These tools help us understand users' behaviour on our Site and Services, including by tracking page content, and click/touch, movements, scrolls and keystroke activities.

6. Links to and Interaction with Third Party Properties

The Site may link to third party websites (such as those of Partners), content, and other online properties (collectively, "Third Party Properties"). Data associated with your clicking through to such Third Party Properties, as well as any Personal Information you provide on such Third Party Properties, is provided to the third party. We are not responsible for the privacy practices of such third parties. We encourage you to read the terms and conditions and privacy policy of each Third-Party Property that you choose to use or interact with.

7. Choices and Opt-Out

It is your choice to provide us with your information for the uses described in this Privacy Policy. You can decide at any time to exercise your rights with respect to your Personal Information according to the law that applies to you.

7.1. Cookies and Tracking Technologies. You may set your browser to refuse and/or block any cookies from the Site or third party services (for more details please refer to Section 3.2.4 hereof and our Cookie Policy).

7.2. User Rights. When applicable, you may request to access and update or remove your Personal Information from our servers. To do so, contact us at Meravontilo@info.com.

7.3. State Privacy Notice. Various state privacy laws provide specific rights to their residents in relation to their Personal Information. If you are a resident of one of the relevant states and to the extent provided by law, you may:

  • Request to Know/Access. You may have the right to know what information we have collected, used, or disclosed in the preceding twelve (12) months.
  • Request of Deletion. You may have the right to request that we delete from our databases any of your Personal Information that we collect and retain, subject to certain exceptions.
  • Request to Opt-Out from Sale or Share of Personal Information. Though we do not currently sell Personal Information, state privacy laws may consider some of our use of cookies as "sale" of Personal Information.
  • No Discrimination. We will not discriminate against you for exercising your above rights.
  • Handling Privacy Requests. We endeavour to respond to a verifiable consumer request within forty-five (45) days of its receipt.

Do Not Track Notice. Some web browsers offer a "Do Not Track" ("DNT") signal. We do not currently respond to DNT signals.

8. Information Security

We, and respective third-party services/affiliate entities implement data security systems and procedures to secure the information transmitted, processed and stored on the Site, our computer servers and systems. For example, the Site is encrypted by using SSL, we periodically review our information and data collection practices to ensure constant monitoring, and we use third party processing and serving services that implement various information security standards and certifications. Such systems and procedures reduce the risk of security breaches, but they do not provide absolute security. Therefore, we cannot guarantee that the Site and our servers are immune to unauthorised access to the information stored therein and to other information security risks.

9. Children's Privacy

The Site or the Services are not designed to attract users under the age of 18. Accordingly, we do not intend to collect Personal Information from anyone we know to be under 18. If we learn that we have collected Personal Information from a child under 18, we will use commercially reasonable efforts to delete that information as quickly as possible. If you believe that we might have any such information, please contact us at Meravontilo@info.com.

10. Commitment

Protecting your privacy online is an evolving practice, and we use our best efforts to evolve our Site in a manner that meets these requirements and best practices as per all jurisdictions in which the Site is available.

11. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or our data practices, please contact us at Meravontilo@info.com. We will endeavour to respond to all reasonable requests in a timely manner.