Privacy Policy

At microincome.com (“us”, “we”, or “our”) we take our ethical responsibilities and your privacy seriously by recognizing that your privacy is important. We have a strong commitment to providing excellent service to all our customers, visitors to this Website, and other users of our products and services, including respecting your concerns about privacy. This Privacy Policy discloses how we collect personal information, the types of personal information we receive and collect, our use and disclosure of current and former consumer information, as well as the steps that we take to safeguard your information. If you use this site, you understand the microincome.com Privacy Policy in effect at the time of your use. We hope that this disclosure will help increase your confidence in our products and services, and enhance your experience. Therefore, in compliance with industry standards and regulations enforced typically by federal and state governments, we abide by the following Privacy Policy.

Information Collection and Use

This Privacy Policy applies to all users of our products and services (“Consumers”), including those who have used our website (“Web Site”). Please note that this policy applies only to this Web Site, and services wherein microincome.com determines the purposes or means of processing your personal information, and not to web sites maintained by other companies or organizations to which we link, or business partners to whom we provide your information, based on your requests as relating to the product or service in which you are interest, and for whom we serve as service providers. Alternatively, the information microincome.com collects on behalf of a third party, to whom we provide marketing services, may be subject to both this Privacy Policy, and the third party’s privacy policy. For more information on those companies or organizations’ personal information practices, and your rights, please visit their respective privacy policies.

Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a natural person or household, such as a real name, postal address, e-mail address, telephone number, payment information, and account ID (“Consumer PII,” “personal information,” or “PII”). When other information is directly associated with personal information, that information may also be considered personal information. Information that is aggregated, de-identified, or anonymized is not considered personal information. Publicly available information that is made available from federal, state, or local government records, also is not personal information.

We may collect, use, share, and/or store the following types of personal information, either online or on the phone, and either automatically, from you directly, or from third parties, for the business purposes as outlined in this Privacy Policy:

1. full name,
2. postal address,
3. shipping address,
4. internet protocol (IP) address,
5. primary and secondary phone numbers,
6. e-mail address,
7. customer record information, including caller ANI, account number, and service address,
8. information pertaining to internet or network activity such as a consumer’s interaction with an advertisement, and other information obtained from cookies and clear gifs, as described further below.

We may collect personal information at the following times:

1. when you register to receive communications from this website or any website owned by the owner of microincome.com,
2. when you seek information or apply for products and services offered through this website or any website owned by the owner of microincome.com,
3. when you provide personal information to us through feedback, survey, or other forms hosted on this site or any website owned by the owner of microincome.com,
4. when you visit our Web Site, including through cookies and clear gifs, as described further below, and
5. when you contact us.

We collect your personal information in order to:

1. process and fulfill your requests for information, products, and services,
2. solicit your opinions and other feedback,
3. conduct research,
4. customize the advertising and content you see and receive,
5. improve our products and services, and
6. provide anonymous reporting for internal and external clients.

In addition, we may receive information about you from other sources, such as service providers and unaffiliated third party marketing companies, for tracking purposes. We may add the information we receive about you through those means to your existing account. Like other web sites, we also automatically receive and record certain types of information every time you visit us. We use “cookies” and the other information to enhance your experience and present you with personalized offers. Likewise, we use third-party advertising companies to distribute and track advertisements appearing on our web site. These companies may employ cookies and action tags to measure advertising effectiveness. More information about cookies can be found in our Cookies and IP Addresses section below.

At any point, microincome.com reserves the right to collect additional consumer information. This Privacy Policy will be updated accordingly to reflect those changes.

Cookies and IP Addresses

To serve you more efficiently and effectively, we use “cookies” technology. A cookie is a piece of data stored on the user’s hard drive that contains information about the user. Cookies are not linked to Consumer PII. Once the user closes their browser, a cookie typically terminates. Cookies enable a web site to “personalize” itself for each user and reduce the time it takes for pages to load on your computer. In order to optimize your experience, cookies also help with the collection of customer tracking data. We may also capture customer tracking data on some of our partner’s web sites, related to activity involved with the completion of offers listed on our web site. This information is used to monitor the performance of our partners. If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited. We also keep track of Internet Protocol (IP) addresses and may disclose your IP address during the course and scope of our business. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Your browser or device may offer settings that allow you to choose whether browser cookies are set and to delete them. For more information about these controls and to exercise your cookie preferences, visit your browser or device’s help material. If you choose to reject cookies, as noted above, you may not be able to use certain features of our websites and services. To learn more about Cookies, visit http://www.allaboutcookies.org.

Some of our non-affiliated business partners (e.g., advertisers) may use cookies on our site. We have no access to or control over such cookies. This Privacy Policy covers the use of our cookies only and does not cover the use of cookies by any advertisers.

Sharing of Your Personal Information

Except as expressly set forth herein, (i) we do not sell your personal information, and (ii) microincome.com also does not share your personal information with partners or providers associated with other domains but may share with other domains owned by the owner of microincome.com.

We may share your personal information to the following categories of third parties, and/or under the following circumstances:

With other persons, if we believe it is necessary to 1) comply with applicable laws; (2) respond to governmental inquiries; (3) comply with valid legal process; or (4) protect the rights or property of microincome.com, microincome.com's web sites or other Consumers.

In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of the business. Any successor company will continue to be bound by this Privacy Policy, unless it is modified as described by this policy.

When you request to be contacted through microincome.com or our other sites that we operate, you are authorizing us to contact you through text messaging, email, or letter mail. If you do not want further communication from them or us, please notify the person or entity that contacts you directly.

Additionally, microincome.com may share Consumer PII in aggregate (non-personal information), with select companies that wish to reach a particular Consumer target audience (e.g., female Consumers between the ages of 25-35, who have an average household income of over $50,000.00). This information will allow these entities to provide relevant offers to specific Consumers.

Microincome.com prohibits the sale or transfer of Consumer PII to non-affiliated entities for their use without giving you the opportunity to opt-out. Although microincome.com advises everyone who receives Consumer PII from microincome.com to support this Privacy Policy, microincome.com has no control over such party’s information handling practices and is not responsible for any failure of such party to adhere to this Privacy Policy.

Service Providers

In some cases, we may require the use of third party vendors, outside companies, to operate portions of the microincome.com web site and/or to provide certain services including clerical, information processing and shipping services. The particular section of the web site may have a similar appearance as the microincome.com site, and information submitted through these outside third parties are subject to this Privacy Policy unless otherwise stated.

When you sign up for our services, we will share only as much information as is necessary for the provision of those services. We require that all third parties, hired by microincome.com, comply with our Privacy Policy in order to keep your information safe and secure. These third parties are prohibited from using or sharing your personal information for any purpose other than the job they were hired to do.

Advertisements & Pop Up Windows

On occasion, you may receive advertisements for microincome.com from third parties. These advertisements are served by the third party web site that you have visited or directly from this website or any site owned by the owner of microincome.com. In addition, such advertisements may be placed by third party ad servers or ad networks. We may maintain relationships with a number of the third party ad networks currently operating. You may find more information at the web site of either the individual ad network or the network advertising initiative. Your relationships, transactions and any opt-out requests with any such third party are governed by the specific policy such third party has, and not those of microincome.com.

Google

We may use Google's advertising products and technologies on our website. Google may be enabled as a third party to run ads and collect website performance data. Their policies can be found at https://www.google.com/intl/en_us/privacy/partners/.

Google, as a third party vendor, uses cookies to serve ads on our site. Google's use of the DART cookie enables it to serve ads to our users based on their visit to our site and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

We may implement the following:

• Remarketing with Google AdSense
• Google Display Network Impression Reporting
• Demographics and Interests Reporting

We along with third-party vendors, such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website.

Opting-Out

We offer you choices when we ask for personal information, whenever reasonably possible. We provide you the opportunity to “opt-out” of having your personal information used for certain purposes, when we ask for this information. You may decline to provide personal information to us and/or refuse cookies in your browser, although some of our features or services may not function properly as a result.

If you no longer wish to receive newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page. You may continue to receive email communications from us up to ten (10) business days from the time we receive your unsubscribe request.

Please note that microincome.com can only control its own mailing list and policies. Our business partners may maintain their own mailing lists, and you may need to contact these parties directly in order to stop receiving their communications. Third party advertisers may also advertise our services, and you may have provided those third party advertisers consent to receive those communications directly. Where that is the case, you may need to contact those third parties directly in order to stop receiving their communications. Although microincome.com only supports permission-based emails, microincome.com does not obligate itself to restrict third parties advertising microincome.com beyond that which is required by applicable law.

Third Party Links

This Privacy Policy applies to all information that microincome.com collects. However, when you visit web sites to which microincome.com provides a link, keep in mind you will be interacting with a third party that operates under its own privacy and security policies, and terms of use. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party’s privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies and terms of use of any other service provider from whom you request services.

Minors

You must be at least 18 years old to use this web site. We do not knowingly collect, use, or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you may not use the services offered on our web site unless they are used with the consent, permission and supervision of your parents or guardians.

Updating Your Information

If you want to access or update the personal information you submitted to microincome.com please e-mail us at support@microincome.com or write us at the following address.

microincome.com Attn: Customer Support
4600 Campus Drive, Suite 107, Newport Beach, CA 92660

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Policy, you may contact us:

1. By sending an email to: support@microincome.com
2. By sending a letter to:
   microincome.com
   4600 Campus Drive, Suite 107
   Newport Beach, CA 92660

Changes to this Privacy Policy

Microincome.com reserves the right to update or modify this privacy statement at any time. The provisions contained in this Privacy Policy supersede all previous notices or policies regarding our privacy practices. We encourage you to check our site frequently to see the current privacy statement and to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and/or other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. Our Privacy Policy will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy.

Your California Privacy Rights

Companies that collect personal information from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your personal information not be shared with Third Parties by sending your request, including your full name, email address and postal address to: support@microincome.com, or by mail to California Privacy Information c/o microincome.com.

In accordance with California Civil Code Sec. 1798.83, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210 or by email to dca@dca.ca.gov.

For more information on how your personal information is collected and used, please read this Privacy Policy in its entirety.

Childrens Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Personal Information Report Request

In accordance with the California Consumer Privacy Act (CCPA) and other applicable state and federal regulations, you may request a report of personal information collected about you by microincome.com within the past twelve (12) months, the categories of sources from which such personal information was collected, the purpose of such collection and the categories of third parties with whom your personal information was shared. This complimentary report may be requested twice in a twelve-month period and will be provided within forty-five (45) calendar days from the request submission date upon verification of your identity. A request authentication measure is in place to ensure that your personal information is not being distributed to the wrong parties. Failure to comply with all necessary steps will result in an incomplete request and your consumer information report will not be sent. You may opt to receive your report electronically or by postal mail. To request your report, email us at privacy@microincome.com.

Right to Opt-Out

As a California resident, you have the right to opt-out of the sale of your PII. If you would like to opt-out, then please email us at privacy@microincome.com.

Right Not to be Discriminated Against

Microincome.com shall not deny any good or service to you, charge you a different price, provide a different level or quality of any such good or service or suggest you will receive a different price due to your exercising any of your rights under the CCPA.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

LAST UPDATED 2020

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