Privacy Statement

Last revised 12th February 2018

When you or your representative or agent give us personal information of, or about, you, you consent (and/or your agent consents on your behalf) to the collection, storage, processing, sharing and other activities with respect to your information as provided for in this Privacy Statement.

When this Privacy Statement refers to “FinTech,” “we, “us,” “our,” or similar terms, it means FinTech Innovations, LLC, a Michigan limited liability company.

When this Privacy Statement refers to “you” or uses similar words, it means the subject of the personal information discussed in this Privacy Statement.

Other privacy statements may also apply to specific services for which you sign up, or to FinTech apps and/or resources that you use (e.g., document repository services rendered by third parties). Those privacy statements should be read together with this one. Other third-party services or applications that are used in connection with FinTech’s services might also have their own privacy statements. Those statements have separate terms and should be read independently from this Privacy Statement.

What information does FinTech collect?

FinTech collects personal information like name, address, telephone number, other contact information, billing and payment information, information about business roles, and information about service requirements and inquiries.

FinTech, or its Internet service provider (“ISP”), may collect log-file information, such as Internet protocol (“IP”) addresses, browser type, ISP, referring/exit pages, platform type, date/time stamp, and number of clicks.

If you provide personal information of a third party to FinTech (such as when you sign up a colleague to receive information from or about FinTech, when you provide information about a person to enable the person to have credentials or receive services, or you analyze personal information of that person using FinTech’s services or applications), you represent and warrant to FinTech that you have all necessary authority to provide that information to FinTech and to grant to FinTech all rights in the information necessary for FinTech to do everything with that information that this Privacy Statement permits FinTech to do.

If you upload information to be analyzed by FinTech’s applications and/or services, such as FDMEE Insight, (“Log Information”) you are responsible for such information, including, but not limited to, obtaining and having the consent of persons whose personal information (usually user ID and similar information) is included in the Log Information.

How does FinTech collect personal information?

FinTech collects some of the information directly from you when you provide it to FinTech, whether through FinTech’s website(s) or FinTech applications, at conferences or marketing events, and when you acquire goods and/or services from FinTech or its affiliates or suppliers.

FinTech collects information from other sources, as well, such as directories, membership lists, conference attendee information, people who acquire FinTech services for you or for your benefit, and third-party information providers.

How does FinTech use the information that it collects?

FinTech uses personal information in the following ways.

  • To provide services to you and/or to your organization;
  • To analyze trends and to administer websites, applications, and other resources;
  • To communicate with you, and
  • To provide offers by FinTech or third parties that might interest you.

FinTech does not use non-anonymized Log Information for its own purposes. You use the Log Information for your own analysis and related purposes using FinTech applications and/or services.

If FinTech anonymizes the information (combines it with other information, redacts it, or otherwise makes it so that it no longer reasonably identifies you), FinTech can use the information for any purpose.

How does FinTech treat information of persons under the age of 18?

It is FinTech’s policy to refrain from knowingly collecting or maintaining personally identifiable information relating to any person under the age of 18. If you are under the age of 18, please do not supply any personal information to FinTech. If you are under the age of 18 and have already provided personal information to FinTech, please have your parent or guardian contact FinTech immediately using the information below so that FinTech can remove such information from its files. If you are the parent or guardian of a person under the age of 18 and you have reason to believe that that person’s personal information has been collected by FinTech, please contact FinTech immediately.

How does FinTech use online tracking methods?

FinTech uses cookies and other methods on its website(s) and/or other resources to provide offers that might interest you and to personalize the content that FinTech provides to you on FinTech’s website(s) and/or other resources. FinTech may also serve, provide, or designate the content of ads or other presentations on third-party websites, including on third-party websites or as part of third-party services. Some cookies or similar devices exist only during a particular session, and some are persistent over multiple sessions over time.

These methods can allow you to maintain your account log-in information and other information between visits, and they allow FinTech to measure and record activity.

FinTech may use advertising service providers to serve FinTech advertisements on other websites or resources that you visit or use. In serving FinTech advertisements, these companies may use cookies and other tracking devices to collect information about your visits to other websites and resources, like browser type, IP address, which page or content was visited, and time of day. FinTech uses this information to evaluate advertising, customize user experience, and focus marketing and other communications to you and users like you.

Third parties whose websites or other resources you use might also use cookies or other tracking methods. This Privacy Statement does not apply to third parties’ practices. You should obtain and read the privacy statements of those third parties to understand their practices with respect to cookies and other tracking devices.

You can set your web browser to reject cookies. Each browser is different, so you should check your browser’s “Help” menu to learn how to change your cookie preferences. If you reject or block cookies, FinTech’s website(s) might not function as intended.

Many web browsers have a “do not track” setting. That said, there is no widely-accepted standard (through the World Wide Web Consortium or otherwise) governing what should happen when a user selects “do not track” in his or her browser. If and when an industry consensus is reached about how to treat a “do not track” setting, FinTech will determine whether to follow that consensus approach. In the meantime, enabling “do not track” in your browser will not change what information is exchanged with your computer, or how that information is used.

You might be able to exercise choices regarding third-party cookies and/or tracking devices. You can obtain more information about those choices at http://www.networkadvertising.org/choices/ or http://www.aboutads.info/choices/.

With whom, and how, does FinTech share your information?

  • Anonymized information. If FinTech anonymizes information (i.e., combines it with other information, redacts it, or otherwise makes it so that it no longer reasonably identifies you), FinTech may share that information with anyone for any purpose.
  • Outsourcing providers. FinTech may provide your information to outsourcing providers to provide goods and services, to provide technical support, provide training, or perform other functions in support of FinTech’s conduct of its business.
  • Successors. If FinTech sells or otherwise transfers (or investigates the potential sale or other transfer of) all or a part of its business, FinTech may transfer to, or share with, the actual or potential buyer or other transferee, the personal information associated with the potentially or actually transferred business. During any due diligence process with a potential buyer, FinTech will impose obligations of confidentiality and restrictions on the use of information. Such transfer would be for the purpose of facilitating due diligence and/or allowing the buyer or other transferee to operate the business.
  • General use. FinTech may share your information with others, (whether in return for compensation or otherwise) for joint marketing initiatives or to permit third parties to market goods or services to you.
  • To comply with legal requirements. FinTech may share your information if required by law enforcement, government agencies, courts, or others where FinTech believes that its cooperation with information requests is required by law.

FinTech does not share non-anonymized Log Information with any third party except as required by law.

International Transfer. FinTech may transfer your information to, and store and process your information in, jurisdictions other than the jurisdiction in which you live and/or work and/or other than the jurisdictions in which the data subjects of Log Information live and/or work. Such other jurisdictions might have laws that treat your privacy differently from the jurisdiction in which you live and/or work. You consent to any such transfer, storage, and/or processing and you represent and warrant that you have adequate rights in any Log Information to consent to such processing and/or transfers.

What about links and other information provided by others?

One or more FinTech websites or other resources might contain links to other websites or other resources that are not operated by FinTech. FinTech does not operate those websites or resources, and FinTech cannot control the information that the operators of such websites gather or what the operators of such websites do with the information. FinTech is not responsible for the activities of the operators of such other websites or resources.

How does FinTech secure and safeguard my information?

FinTech uses, and requires that its service providers use, commercially reasonable physical, technical, and other safeguards designed to prevent unauthorized access to, use of, or alteration of, your information.

Does FinTech supplement the information that I provide?

FinTech sometimes supplements the information that it receives from you with other information that FinTech receives from third-party sources, such as credit card issuers, directories, and/or information clearinghouses.

How May FinTech notify me in the case of a data breach?

For the purposes of any applicable law regarding notification of persons whose personal information was, or is reasonably believed to have been, acquired by an unauthorized person, FinTech’s information security policy provides that any required notification may, where permitted by law, be made by the use of e-mail, telephone, fax, mail (including, but not limited to, a notice printed in an available area of a bill or statement) or posting a notice on a FinTech website or other electronic resource. The specific means used is up to FinTech, and FinTech will use its commercially reasonable judgment based on the circumstances. Where any notice is to be sent to a specific address or number (such as e-mail address, physical address, telephone number, etc.), FinTech will use the latest available address in its records. EXCEPT TO THE EXTENT PROHIBITED BY LAW, YOU AGREE TO THIS MEANS OF NOTIFICATION.

How can you correct your personal information?

If your personal information changes, if you have reason to believe that your personal information as FinTech maintains it is incorrect, or if you no longer desire service, you may contact FinTech using the contact information below and FinTech will accommodate all reasonable requests for such changes.

How does FinTech handle choice and opt-out?

Users who no longer wish to receive newsletters, digital notifications, or promotional materials or have their information provided to third parties may opt to not receive such communications or have information shared by contacting FinTech using the information below. Please be prepared to tell us the specific FinTech good or service with respect to which you wish to opt out. FinTech will comply with such requests as soon as is commercially practicable. Such compliance may involve batch processing and other processes that take 30 days or longer. If you opt not to receive such communications or allow FinTech to share your information and then give your personal information to FinTech again using a site or under other circumstances that permit us to use your information, FinTech will regard your opt-out as rescinded.

Note that opting out will not have any effect on information that FinTech has shared with third parties as permitted by this Privacy Statement.

To change your preference with regard to the way your information is treated, contact us using the contact information below.

What if I opt out and then do things that opt me back in?

If, after opting out, you do certain things that invite us to use your personal information again, FinTech will regard you as having opted back in. Examples include, but aren’t limited to, asking one of FinTech’s personnel (verbally or otherwise) to send you information, signing up for an event, or similar communications or transactions. As always, FinTech will abide by the provisions of this privacy statement with respect to your personal information that you provide to FinTech.

How quickly does FinTech respond to requests?

FinTech will use commercially reasonable efforts to timely make any changes you request. Many such changes are accomplished using batch processing (i.e. collecting a number of similar change requests and making all such changes at once), so the changes might not be immediately effective. If you require an immediate change to your personally identifiable information and are unable to make such a change using the available site resources, please contact us.

How does FinTech handle changes to this Privacy Statement?

If FinTech decides to change this privacy policy, FinTech will post the changes on one or more websites and/or other places that FinTech reasonably believes will give you notice of the change if you’re paying reasonable attention to the privacy provisions of FinTech’s website(s) and/or resources.

Except as stated below, FinTech will use information in accordance with the privacy statement, or version of the privacy statement, under which the information was collected.

If FinTech decides to use information about you in a manner different from that stated in the privacy statement in effect at the time of collection, FinTech will notify you by e-mail if, and to the extent that, you have provided your e-mail address. If you reply to such an e-mail within a reasonable time and request that FinTech not use your personally identifiable information in the proposed new manner, FinTech will honor your request, but FinTech reserves the right to suspend your access to all or part of the services offered through one or more sites if you do so.

If you do not reply to such an e-mail, or FinTech receives a reply of “undeliverable” or similar message from your last known e-mail address, in either case after a reasonable time, FinTech will use the information in the proposed new manner.

Please be sure to update your e-mail and other contact information from time to time so that you don’t miss any communication by FinTech of the kind contemplated by this section.

Are there exceptions to the other provisions of this Privacy Statement?

Notwithstanding anything else in this privacy statement to the contrary, FinTech may collect personally identifiable information and use such information in ways other than those described above if FinTech is required to do so by law or if FinTech deems it advisable in the course of assisting law enforcement activities or protecting FinTech’s sites, resources, or property. Without limiting the foregoing, FinTech reserves the right to use and disclose any information that you provide to us if FinTech deems it advisable in the prosecution or defense of any litigation involving your use of a good or service of FinTech.

Special Information for California Residents

Your California Privacy Rights: California privacy law requires us to provide California residents with specific disclosures about our privacy practices, including telling you about the information we share with other third parties for their marketing purposes. You may request this information by contacting us using the contact information below.

How do you contact FinTech?

If you (a) feel that FinTech is not abiding by this privacy policy or if you have questions regarding the policy, (b) wish to begin or end receipt of newsletters, digital notifications or promotional information, (c) wish to update your user information, or (d) wish to opt in or out of any other service offered through FinTech; please contact FinTech using the following information.

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