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Mithkal Privacy Statement

Last updated: Dec 29, 2021

Scope of this Privacy Statement and our role

As a financial services and technology company, we’re providing this Global Privacy Statement (which we’ll refer to as “Privacy Statement”) to explain how we collect, use, and share information when you interact with us and our offerings, services and experiences. This Privacy Statement is global in nature, meaning that it is applicable to all websites and offerings in Mithkal, and it describes our privacy practices when we process:

a) Personal information for the purposes of providing the benefits of Mithkal platform, which is collectively, all of Mithkal’s services, sites, experiences and software (including through our mobile applications and desktop applications) by Mithkal. and its affiliates; and/or

b) Personal information as necessary to manage, run and improve our business.

Mithkal determines the purposes and means of the processing of personal information (“Information Controller”). If you have any questions about the processing of your personal data, please contact us in the section “How to Contact Us” below.

 

Mithkal Platform

Mithkal Platform and your information

The personal information we use in this centralized way is all the information that Mithkal knows about you. It includes your credentials; your name and contact details; information about your activities, your interests and preferences; the content you place in our Platform.

Organizational account information

Some experiences and services within Mithkal Platform allow you to interact with an organization (such as your employer). If you are granted access to an organization accout, the owner of the organization or a designated administrator may control and administer details of your account, for example, by deciding your access rights; making decisions about your personal information. If your access rights are amended by the owner or designated administrator, then you may lose access to the information that is in the control of the organization.

Your use of Mithkal Platform as part of an organization’s account may be subject to the organization’s policies, which may be different from this Statement. We are not responsible for the privacy or security practices of other organizations, and you should consider both the organization's policies and whether you are comfortable enabling the organization with access to your information prior to connecting to their services.

 

 

Information we collect

Information we receive from you

The personal information that we receive about you depends on the context of your interactions with Mithkal, how you configure your account and the choices that you make, including your privacy settings. 

• Creating an account. We collect information when you create an account, interact with Mithkal Platform or activate a subscription. Personal information may include your contact information (such as your name, address, phone number and email), Logo, and billing information (your payment information).
• Customer support, product research, training and feedback. We may collect personal information when you reach out to us for support, give us feedback, participate in optional surveys, product research or training and you choose to share.
• Social and community content. We receive content you post on our social media pages and our community pages.
• Content. We may receive information about your entity, your finances, expenses, invoices, financial statements, details of your financial transactions, payroll details, payment details, tax return details, details about your customers or vendors or employees, income and wage information, and/or investment information.
• Usage information. We may collect usage information such as the pages you viewed, the features you use, your browser type and details about any links with which you interact within Mithkal Platform.
• Expert advice. The Platform provides many opportunities for you to connect with live experts, including, for example, accountants or Budget Analysts. When you interact with these experts, we may receive information about the questions you ask, the details of your accounts and the guidance provided to you.
• Information from cookies and other technologies. Mithkal and our service providers may use commonly used tools such as cookies, web beacons, pixels, local shared objects and similar technologies (collectively "cookies") to collect information about you (“Cookie Information”) so we can provide the experiences you request, recognize your visit, track your interactions, and improve your and other customers' experience. You have control over some of the information we collect from Cookies and how we use it. For full details on how we use cookies and similar technologies please see our Mithkal Cookies Policy below.

 

 

 

Information provided by others

Our platform is designed to help you connect with other people and organizations. As a result of those connections, others may be able to input information about you. For example, your employer may input information about your salary and work activity in order to process their payroll. You may also be able to input or process information about others, for example, if you are an account administrator. If you input information about others into our platform, you must only do so if you have first received the appropriate rights and permissions to do so, including by getting advanced written consent, if required by applicable law.

Other information sources

We may also get information about you from others where permitted by applicable law. We protect and process information obtained from those parties as described in this Privacy Statement, consistent with any additional restrictions imposed by the source of the information. Our sources may vary over time and depend upon how you use the Platform. For example, we receive information from:

• Other users. As described above, we may get information about you from other users, such as your accountant, bookkeeper, or your employer. We may also collect such information through features like member referral programs.
• Risk management, cybersecurity & anti-fraud providers. We may receive information from service providers who help us assess risks associated with our offerings, including to help combat fraud, illegal activity and to help protect your personal information.
• Content providers. We may receive information from software providers that make user-generated content from their service available to others, such as local business reviews or public social media posts.
• Joint offering partners. We may offer co-branded services or experiences or engage in joint-marketing activities with others, including through our conferences or live events.
• Publicly-available sources. We collect information from publicly available sources, such as open government databases.
• Required information. Some services and experiences in the Platform require you to provide information for it to function. If you do not wish to provide the required information, you may not be able to use certain features.

How we use personal information

We collect and process personal information from you only where:

• We have your consent to do so;
• We need the personal information to perform a contract with you or provide a service to you;
• Provide you with the benefits of the Platform and operate our business;
• The processing is in our legitimate business interests in those jurisdictions where legitimate business interest is a legitimate basis for processing; or
• We need to comply with legal requirements, including applicable laws and regulations.

Personal information is used to operate our business for the following purposes that are required to originate and maintain our relationship with you, including but not limited to:

• Provide you with the Platform and create your account
• Improve our products and services
• Run and manage our business, including resolving billing and financial disputes
• Evaluate your eligibility for financial offers, products and services
• Provide features to you, such as your free credit reports and scores
• Connect you with experts and other users
• Communicate with you, such as sending you electronic notifications.
• Advertise and market our services and experiences
• Personalize your experience and tailor recommendations and offers presented to you, including through the development of insights about you and your needs
• Provide you with support and resolve disputes
• Conduct research, including by partnering with academic institutions
• Comply with our legal and regulatory requirements
• Protect the rights, property, safety or security of the Platform, our customers, employees or others and prevent fraudulent or illegal activity
• To exercise our rights in the course of judicial, administrative or arbitration proceedings
• To enforce, remedy or apply our Terms of Service or other agreements and/or
• For other purposes that are compatible with the disclosed purposes if and where this is permitted by applicable law.

Automated Processing

To provide you with valuable personalized advice, recommendations and experiences, we may process your personal information using automated and manual (human) methods. Our automated methods include artificial intelligence (AI) and a range of technologies that help our services learn and reason to improve our ability to personalize and enhance your experience in Mithkal Platform.

How we share your information

We may share your information in the following circumstances:

For research. With appropriate controls, we may share information with third-parties, such as academic institutions, government and non-profit organizations, for research purposes or to publish academic or policy-related materials. We only share information in a way that would not allow any individual to be identified.

For joint features, sales, promotions and events. We may share your information with third-parties companies who are jointly providing features, sales initiatives, promotions or events with us.

With financial services providers. We may share personal Information with collection agencies, credit bureaus and loan service providers, and payment card association members. We may also share your personal information with other companies, lawyers, credit bureaus, agents, government agencies, and card associations in connection with issues related to fraud, credit, defaults, or debt collection.

When you publicly post the information. We may provide opportunities for you to publicly post reviews, questions, comments, suggestions or other content, which may include personal information, such as your name or user name. Anything you share in a public forum is public, and you should think carefully before you decide to share.

With service providers or agents. We share personal information with our service providers or agents who provide services on our behalf for the purposes described in this Privacy Statement. Service providers or agents are required to implement reasonable privacy and information protection controls to maintain the privacy and security of information provided to them consistent with the privacy practices outlined in this Statement. Service providers or agents may include companies that assist us with our advertising, marketing and sales efforts, help us with our technology offerings (such as a hosting, security or anti-fraud providers) and help us run our business.

For mergers and acquisitions. If we are involved with a merger, asset sale, financing, liquidation, bankruptcy, or the acquisition of all or part of our business to another company, we may share your information with that company and its advisors before and after the transaction date.

No sale of personal information to third parties. We do not and will not sell personal information to third parties. We do share personal information with third parties for the business purposes described in this Statement.

With our affiliates and subsidiaries and your right to limit information sharing. We may share your information with our affiliates and subsidiaries for everyday business purposes as described in this Statement, including for marketing purposes. Certain laws may provide you with the right to limit our information sharing activities in certain circumstances. Please review these rights in the “Country and Region-Specific Terms” section below.

Cookies and other tracking technologies. You can find information on changing your browser settings to opt-out of cookies in your browser settings. If you disable some or all of the cookies the service, or parts of the service may not work. For more information, please see below Cookies Policy.

For advertising and analytics. Mithkal may use advertising networks and other providers to display advertising on our Platform or to manage our advertising on other sites. Our advertising partners may place cookies on unaffiliated websites in order to serve advertisements that may be relevant to you based on your browsing activities and interests and determine the effectiveness of such advertisements. See also the “Country and Region-Specific Terms” section below for additional pages.

Mithkal Platform is not currently configured to respond to browsers’ “Do Not Track” signals because at this time no formal “Do Not Track” standard has been adopted.

For legal reasons. We may share your information with third-parties for legal reasons without your consent, and as permitted by law, including:

• When we reasonably believe disclosure is required in order to comply with a subpoena, court order, or other applicable law, regulation or legal process
• To protect the rights, property, or safety of Mithkal Platform, our customers or others
• To protect or defend against attacks
• To enforce, remedy, or apply our Terms of Service or other agreements
• To prevent fraud, cybersecurity attacks or illegal activity
• For debt collection

Your information rights and choices

Your rights

At Mithkal, we believe that you have rights to information that pertains to you, and/or your entity. If another person has input or processed information in the Platform on behalf of you, or your entity (and we are processing such information as an Information Controller), you may ask to receive a copy of your information, even if you do not have an account with us.

Depending on where you live, you may have certain country-specific rights with respect to your personal information that we collect and process.

For specific information on what steps you can take to manage your privacy, please see the “Country and Region-Specific Terms” section for your country, below.

Security of your personal information

We use physical, technical and organizational safeguards designed to protect your information. However, despite these controls, we cannot completely ensure or warrant the security of your information. 

Changes to our Privacy Statements

From time to time we may change or update our Privacy Statement. We reserve the right to make changes or updates at any time. If we make material changes to the way we process your personal information, we will notify you by posting a notice in our platform or on a community post; by sending you a notification; or by other means consistent with applicable law.

You can see when this Privacy Statement was last updated by checking the “last updated” date displayed at the top of this Privacy Statement. Please review this Privacy Statement periodically to stay informed about how Mithkal protects your privacy.

Collection and use of children’s personal information

Our services are not intended for or directed to children. We do not knowingly collect personal information from children. If you believe we may have information from a child, please contact us.

How to Contact Us

If you have questions or comments about this Privacy Statement or our practices, please contact us:

• By sending message through Contact us page in mithkal.com platform.
• By calling us through our phone numbers mentioned in the platform