Effective Date: March 10, 2020
Collection of your Personal Information
In order to better provide you with our product and services offered on our Website, we have to collect some of your personally identifiable information. Examples of personal information include:
- First and Last Name
- Mailing Address
- Email Address
- Phone Number
- Social Security Number
- Income / Salary Information
- Property Information
We may supplement the personal information you submit to us with information from third-party sources. We may also collect anonymous demographic information, which is not unique to you, such as your:
- Date of Birth
- Geographic Area
MaliVest might receive and transmit data to consumer reporting agencies. We partner with these agencies to assess your creditworthiness and to prevent fraud and identity theft. This is done as part of our regular screening processes, fraud prevention and servicing processes.
Information we collect in these reports includes, but is not limited to:
- The credit score produced by the credit bureau providing the report
- Information about credit inquiries
- Information about late payments and collection actions occurring on open and closed credit accounts
- Information about open and closed credit accounts, including the date opened, the date closed, the latest reported monthly balance and monthly payment
- Information regarding public records of bankruptcy, judgements, tax liens, and other payment statuses
- Information about your transaction history, assets, and account balances
Information related to your creditworthiness is maintained by the credit bureaus. If you find that there is an error or you want to dispute the information found in your credit report, please contact the credit reporting bureaus.
MaliVest does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
Automatically Collected Information
MaliVest may collect information about your computer or mobile device. We may gather data such as your browser type, operating system, loading or exiting of web pages, and the IP address of your computer or device. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the MaliVest website.
MaliVest may contract with third parties to place advertisements for our products and services on websites that are not our own. We place these ads where we think they are likely to be most relevant. These advertisements on third-party websites allow us to track responses to our ads. We and our affiliates use this information to track the performance of our advertising and marketing campaigns by using tools like cookies, web beacons and similar technologies. We use these tools to collect and store information about your visits, page visits and duration, and the specific ad or link that the user clicked on to visit the site.
The MaliVest website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize MaliVest pages, or register with MaliVest site or services, a cookie helps MaliVest to recall your specific information on subsequent visits. This simplifies the process of recording your personal information. When you return to the same MaliVest website, the information you previously provided can be retrieved, so you can easily use the MaliVest features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the MaliVest services or websites you visit.
This website may contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Security of your Personal Information
MaliVest secures your personal information from unauthorized access, use, or disclosure. We maintain administrative, technical and physical safeguards designed to protect your information’s security, confidentiality and integrity.
Access to your own personal information is available through a unique user ID and password selected by you. This password is encrypted while transmitted from your browser to us. We encrypt all data that you submit through our website during transmission using Transport Layer Security (TLS) in order to prevent unauthorized parties from viewing such information.
We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.
Use of your Personal Information
MaliVest collects and uses your personal information to operate its website(s), provide you with information and deliver the services you have requested, and to improve our products and services. MaliVest may also use your personally identifiable information to inform you of other products or services available from MaliVest.
Sharing Information with Third Parties
MaliVest does not sell, rent, or lease your information to third parties.
MaliVest may share data with trusted partners as permitted or required by law. Third parties we share your information with may include, but are not limited to:
- Credit reporting agencies
- Direct marketing service providers
- Auditors and examiners
- Law enforcement, regulators and other government bodies
All such third parties are prohibited from using your personal information except to provide services to MaliVest, and they are required to maintain the confidentiality of your information.
MaliVest may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on MaliVest or the site; (b) protect and defend the rights or property of MaliVest; and/or (c) act under exigent circumstances to protect the personal safety of users of MaliVest, or the public.
Opt-Out & Unsubscribe from Communications
We respect your privacy and give you an opportunity to opt-out of receiving announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. Users may opt-out of receiving any or all communications from MaliVest or third-party partners of MaliVest by contacting us here:
- Email: email@example.com
External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have contracted.
What does MaliVest do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and other identity information;
- Account balances and payment history;
- Credit history, credit scores, education and employment information;
- Bank account, financial and income information;
- Information about how you access and use our website and other services.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons MaliVest chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does MaliVest share?||Can you limit this sharing?|
|For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||Yes||No|
|For our marketing purposes – to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||No||We don’t share|
|For our affiliates’ everyday business purposes – information about your transactions and experiences||No||We don’t share|
|For our affiliate’s everyday business purposes – Information about your creditworthiness||No||We don’t share|
|For our affiliates to market to you||No||We don’t share|
|For our non-affiliates to market to you||No||We don’t share|
Information for California consumers
We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. We do not share with any affiliates.
This section provides additional details about the personal information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act (“CCPA”).
Subject to certain exemptions, the CCPA provides California consumers the right to request to know more details about the categories and specific pieces of personal information we collect, to delete their personal information, to opt out of any “sales” that may be occurring, and to not be discriminated against for exercising these rights. If your information falls into one of the legal exemptions included in the CCPA, we may be unable to fulfill your request.
California consumers may make a rights request by contacting us using the information below.
MaliVest welcomes your questions or comments regarding this Statement of Privacy. If you believe that MaliVest has not adhered to this Statement, please contact us at firstname.lastname@example.org