Online Privacy

Statement

Effective Date: April 11, 2016

Please read this Privacy Statement. This Privacy Statement sets out the manner in which Microf, LLC (“Microf”, “we”, “our”, or “us”) collects, uses, discloses and otherwise manages your information.  This Privacy Statement applies to your use of any website or other online service location that posts a link to this Privacy Statement, and all features, content, and other services that we own, control and make available through such website or online service location (collectively, the “Service”).
By using our Service, you agree to our Terms of Use and consent to our collection, use and disclosure practices, and other activities as described in this Privacy Statement.  To download or print our Privacy Statement, click here.

Collection of Information

We collect information that you provide directly to us through the Service, such as when you:

  • Sign up or apply for one of our products or services;
  • Access our Service;
  • Contact our customer service department;
  • Provide us with comments or suggestions;
  • Apply for a job; or
  • Make payments online.

The types of information we may collect include personal information. “Personal information” is information that can be used to identify you (whether alone or in combination) and may include your:

Name, e-mail address, home address, and telephone number;
Credit card, bank account and billing information;
Account, credit and billing information and history;
Property insurance information and history; or
Social Security Number or Social Insurance Number.

You may choose to voluntarily submit certain other information to us through the Service, including personal information, but you are solely responsible for your own personal information in instances where we have not collected such information or requested that you submit such information to us.

We and our service providers may also automatically collect information about your visits to our Service, including the pages you view, the links you click, and other actions you take in connection with the Service. We may collect certain information from the browser/device/hardware you use to access our Service, such as your Internet Protocol address, browser/device/hardware type, unique device identifiers, operating system characteristics, language, access times, the Uniform Resource Locator (URL) of the website that referred you to our Service and the URL that you visit when you leave our Service, if you click on a link on our Service.

This information is gathered by certain tools and methods such as:

Log Information:  We collect information about your use of our Service, such as the type of browser you use, access times, pages viewed, your Internet Protocol address and the referring link through which you accessed our Service.

Cookies:  When you access our Service, some information in the form of a “cookie” or similar file may be automatically downloaded to your device. These cookies may be used for many purposes, including, without limitation, tracking user preferences or web pages visited while using our Service.  This helps us enhance the on-line experience of visitors to our Service. If you do not want cookies sent to or stored on your device, most Internet browsers will allow you to delete cookies from your device, prevent them from being stored or signal a warning before a cookie is stored. You should refer to your browser instructions or help screen to learn more about these functions.

Web Beacons:  We may include small graphic images called web beacons, also known as “Internet tags” or “clear gifs,” in our web pages and e-mail messages. We may use web beacons or similar technologies for a number of purposes, including, without limitation, to count the number of visitors to our Service, to monitor how users navigate the Service, and to count how many e-mails that we sent were actually opened or how many particular articles or links were actually viewed.

Embedded Scripts:  An embedded script is programming code that is designed to collect information about your interactions with the Service. It is temporarily downloaded onto your device from our web server or a third party with whom we work, is active only while you are connected to the Service, and is deleted or deactivated thereafter.

Location-identifying Technologies:  We may use GPS (global positioning systems) software and other location-based technologies to locate you so we may verify your location, and deliver relevant content to you based on your location.

In-App Tracking Method:  There are a variety of tracking technologies that may be included in mobile applications, and these are not browser-based like cookies and cannot be controlled by browser settings.  Some use device identifiers or other identifiers to associate app user activity to a particular app.

Information we automatically collect about you, such as how you interact with our Service, may be combined with your personal information.  If we associate any such automatically-collected information with personal information about you, we will treat the combined information as personal information.

We may also obtain information about you from other sources and combine that with information we collect about you.  If we receive personal information from a third party source and/or if we combine the information we receive from these third party sources with your personal information, we will treat that information as personal information. We are not responsible for the accuracy of the information provided by third parties or how such third parties collect, use, and share such information.

How We Use Personal Information

Microf may use your information for any purposes not inconsistent with our statements under this Privacy Statement or prohibited by applicable law, including, without limitation, to:

  • Process your applications with us, process your transactions with us and maintain your account;
  • Develop, enhance, market or provide products and services (including for credit checks);
  • Respond to your comments, questions, and requests and provide customer service;
  • Send you technical notices, updates, security alerts, information regarding changes to our policies, and support and administrative messages;
  • Send communications to you such as information about products, services, and offers and provide news and information we think will be of interest to you available from Microf or its affiliates (for information about how to manage these communications, please see the Your Communication Preferences section below);
  • Monitor and analyse trends, usage and activities;
  • Enforce our contract(s);
  • Prevent fraud and other prohibited or illegal activities;
  • Meet legal and regulatory requirements;
  • Carry out any purpose as disclosed to you at the point of collection;
  • Any other purpose, with your consent.

How We Share Information

We may share your personal information with our agents, vendors, consultants, and other service providers to carry out work on our behalf.  These third party service providers are prohibited from using your personal information for any purpose other than to provide this assistance, and they must provide protections to your personal information that are no less protective than those set out in this Privacy Statement.  Microf is not liable for the acts or omissions of these third party service providers except to the extent required by applicable law.

We may also share information about you as follows:

  • With our subsidiaries and affiliates for internal business purposes, such as to provide you with product(s) or service(s) you request or to make our business or that of our corporate affiliates more responsive to your needs;
  • In connection with law enforcement, fraud prevention, or other legal action; as required by law or regulation; or if Microf reasonably believes it is necessary to protect Microf or its affiliates, its customers, or the public;
  • With business partners, including (i) financial service providers, such as our lenders or a credit bureau, for the purpose of managing our lender’s risk, (ii) non-financial companies, such as direct marketers, that help Microf or its affiliates analyze and/or improve our communication or relationship with you, and (iii) leased equipment dealers and installers;
  • With government entities to determine your eligibility for particular product(s) or service(s).
  • If your Rental-Purchase Agreement is transferred or assigned or in connection with a sale of our business or its assets; and
  • With our business partners, affiliates and other third parties for purposes of sending their own marketing unless you are a California customer and you opt out of this type of sharing.

Surveys and Promotions

We may offer surveys, sweepstakes, contests, and other promotions (each, a “Promotion”), alone or in conjunction with third parties, that may require you to submit personal information.   If you voluntarily choose to enter a Promotion, your personal information may be disclosed to third parties for purposes such as administering the Promotion and as required by law (e.g., on a winners list). By entering a Promotion, you agree to the official rules that govern that Promotion and, except where prohibited by applicable law, to allow the sponsor and/or other parties to use your name, voice and/or likeness in advertising or marketing materials.

Third Party Services and Social Features

Our Service includes hyperlinks to websites, locations, platforms, or services operated by third parties (“Third Party Service(s)”). These Third Party Services may use their own cookies, web beacons, embedded scripts, location-identifying technologies, in-app tracking methods, and other tracking technologies to independently collect information about you and may solicit personal information from you.

Certain functionalities on the Service permit interactions that you initiate between the Service and certain Third Party Services, such as third party social networks (“Social Features”). Examples of Social Features include “liking” or “sharing” our content and otherwise connecting our Service to a Third Party Service.  If you use Social Features, and potentially other Third Party Services, information you post or provide access to may be publicly displayed on our Service or by the Third Party Service that you use. Similarly, if you post information on a Third Party Service that references our Service (e.g., by using a hashtag associated with Microf in a tweet or status update), your post may be used on or in connection with our Service.  Also, both Microf and the third party may have access to certain information about you and your use of our Service and the Third Party Service.  To the extent we combine information from Third Party Services with personal information we collect directly from you on the Service, we will treat the combined information as personal information under this Privacy Statement.

The information collected and stored by third parties remains subject to their privacy practices, including whether they continue to share information with us, the types of information shared, and your choices on what is visible to others on Third Party Services.  We are not responsible for and make no representations regarding the policies or business practices of any third parties or Third Party Services and encourage you to familiarize yourself with and consult their privacy policies and terms of use.

Analytics Services 

We engage third parties to provide analytics about the use of our Service. These entities may use cookies, web beacons, pixels, embedded scripts, location-identifying technologies, in-app tracking methods, and other technologies to automatically collect information about your use of the Service, such as your device, ID, IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information. This information may be used by us and others to, among other things, analyze and track data, determine the popularity of certain content, and better understand your online activity.

These and other third parties may collect personal information about your use of the Service over time and across services for purposes such as to associate different devices you use.

Note that your browser settings may allow you to automatically transmit a “Do Not Track” signal to websites and online services you visit. There is no consensus among industry participants as to what “Do Not Track” means in this context. Like many online services, Microf currently does not alter its practices when it receives a “Do Not Track” signal from a visitor’s browser. To find out more about “Do Not Track,” you may wish to visit http://www.allaboutdnt.com.

How You Can Access Your Information

Microf wants to help you keep your personal information accurate.  To review, verify or correct your personal information, please contact our customer service department at info@microf.com.

Microf may not be able to provide you with access to your personal information where such refusal is permitted or required by applicable law or regulatory requirements. Microf will inform you of the reasons why access has been denied, subject to any legal or regulatory restrictions.

Your Communication Preferences

You can opt out of receiving certain promotional communications (e-mails) from us at any time by following the instructions as provided in e-mails to click on the unsubscribe link or by sending an e-mail to us at info@microf.com with the word UNSUBSCRIBE in the subject field of the e-mail.  Please note that your opt out is limited to the e-mail address used and will not affect subsequent subscriptions or non-promotional communications, including calls, such as such as administrative and service announcements.

In addition, you can opt out of our sharing of credit information with our affiliates for their own business purposes or our sharing of your personal information with our affiliates or business partners for marketing purposes at any time by sending an e-mail to us at info@microf.com or calling us at 1-(855)-642-7631.

In some circumstances, a change in or withdrawal of consent may limit our ability to provide products or services to, or acquire products or services from, you. Any change in, or withdrawal of, consent will be subject to legal or contractual restrictions and reasonable notice. Because some marketing communications are developed in advance, you may sometimes receive solicitations after we receive a change in your consent to provide you with communications.

Your California Privacy Rights

California law permits customers in California to request certain details about how their information is shared with third parties and, in some cases, affiliates, for those third parties’ and affiliates’ own direct marketing purposes.

We may from time to time, where permitted by law, elect to share certain information about you collected by us on the Service with third parties for those third parties’ direct marketing purposes.

If you are a California resident, you may opt out of such sharing by contacting us at info@microf.com or sending a letter to P. O. Box 70085, Albany, GA  31708 (Attention: Chief Administrative Officer).  Any such request must include “California Privacy Rights Request” in the first line of the description and include your name, street address, city, state, and ZIP code.  Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this e-mail address or mail address.

Safeguarding Information

We use a variety of technological, physical and organizational protections and procedures to help protect your information from unauthorized access, use, or disclosure, such as encryption, passwords, physical security, limiting access to personal information and limiting the use of Social Security numbers. While we take reasonable measures to protect your information, Microf cannot ensure or warrant that the information we collect or private communications you transmit to us will always remain secure, and you do so at your own risk.

If a password is used to help protect your accounts and information, it is your responsibility to keep your password confidential. Do not share this information with anyone. If you are sharing a device with anyone you should always log out before leaving our Service to protect access to your information from subsequent users.

Your information may be stored and processed in Canada, the United States or any other country in which Microf or its corporate affiliates, subsidiaries or agents maintain facilities, and by using Microf’s Service, you consent to any such transfer, processing, and storage of information outside of your country.

In accordance with the Driver’s Protection Act and similar state statutes, any access by us to any department of motor vehicles records in any state would be limited to verification of data and information provided by you in your applications with us or in the rental-purchase agreements.

Children’s Online Privacy

If you are under the age of thirteen (13), do not use our Service. Our Service is not intended for use by children, and Microf does not knowingly collect any information from children under the age of thirteen (13). If we learn that we have collected or received personal information from a child under the age of thirteen (13) without verification of parental consent, we will delete that information.  If you are a parent or guardian and believe we have collected information in a manner not permitted by the U.S. Children’s Privacy Protection Act (“COPPA”), please contact us at info@microf.com.

Changes to Our Privacy Statement

We will occasionally update this Privacy Statement. If we make changes to the Privacy Statement, we will notify you by revising the date at the top of the Privacy Statement.  If changes are material, we may provide you additional notice. You may review our Privacy Statement at Microf’s website at www.microf.com.  We encourage you to periodically review this Privacy Statement.

Contacting Us

If you would like to contact us for any reason regarding our privacy practices, please e-mail us at info@microf.com.