PRIVACY POLICY

This Privacy Policy (“Policy”) discloses how we gather, use, share and protect information collected about visitors to the PMICalculators website (“PMICalculators”, “we”, “us”, “our”) web site (“Site”) and users (“Users”) of PMICalculator services (“Service”).  We may update this Policy from time to time.  We encourage you to review this Policy regularly for any changes. Your continued use of the Site and/or continued provision of personally identifiable information to us will be subject to the terms of the then-current Policy.

User Information

We may collect the following types of information when using the Service and visiting the Site: (1) personally identifiable information you provide to PMICalculators and/or its partners when signing up for and using the Service; (2) email or other contact information when communicating with us; and (3) web server logs, which include IP address, browser and OS; and 4) other personally identifiable information such as your name, address, billing address and phone information.

If you purchase Services, please note that we do not currently collect or retain credit card numbers internally. We partner with third party payment providers. All direct payment gateways are required to adhere to secure standards intended to promote the secure handling of credit card information.

We may utilize third party companies and individuals to perform functions on our behalf, including, without limitation, companies with whom we have administrative relationships, such as billing or customer support services. Such third parties have access to personally identifiable information needed to perform their functions that are specifically related to the Service, but may not use it for other purposes unless specifically stated otherwise.

We may use information about user behavior, user experience, user equipment, computing and Internet environment to verify and improve the performance of the Site and the Service. We may analyze this data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We may use such aggregate information to analyze trends, administer the Site, track users’ movement, gather broad demographic information for aggregate use and similar purposes.

 

By visiting the Site or using the Service, you are accepting the practices described in this Policy. PMICalculators encourages you to read this Policy carefully.

Communication Information

If you communicate with us via email or letter, we may collect and store a record of your communication. we may use your communication information to respond to your issues and inquiries. Such communication information may be used to distribute information back to you about PMICalculators, the Service, or other information communications from us.

We may collect your email address to:

  • Send information, respond to inquiries, and/or other requests or questions.
  • Process or send information pertaining to Services
  • Send additional information related to your product and/or service.
  • Market to our mailing list or continue to send emails after the original transaction has occurred

To be in accordance with CANSPAM we agree to the following:

  • NOT use false, or misleading subjects or email addresses
  • Identify the message as an advertisement in some reasonable way
  • Include the physical address of our business or site headquarters
  • Monitor third party email marketing services for compliance, if one is used.
  • Allow users to unsubscribe by using the link at the bottom of each email

Disclosure

We will not sell your personally identifiable information to any company or organization except we may transfer your personally identifiable information to a successor entity upon a merger, consolidation or other corporate reorganization in which PMICalculators participates or to a purchaser of all or substantially all of the site’s assets.

We may obtain additional information about you from third parties such as marketers, partners, researchers, and others. We may combine information that we collect from you with information about you that we obtain from such third parties and information derived from any other subscription, product, or service we provide.

We may share your data with our services providers who process your personal information to provide services to us or on our behalf and who are required to treat the data in accordance with confidentiality requirements.

We may disclose your information when we believe in good faith that such disclosure is appropriate to investigate, prevent, or act regarding possible illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of this Privacy Policy or the Terms of Service for the Services you accessed, and/or to protect the rights and property of our employees, users and the public. This may involve the sharing of your information with law enforcement, government agencies, courts, and/or other organizations.

We may share your information with third-parties with whom we have a contractual relationship, including without limitation third-party advertisers and advertising networks.

Children’s Privacy

The Site is not intended for children under the age of 13. PMICalculators does not target the Site to children under the age of 13. PMICalculators does not knowingly collect personally identifiable information from children under the age of 13.

Cookies and Similar Technologies

We may use small text files called “cookies” to improve the user experience at the Site. A cookie is a piece of data stored on the user’s hard drive containing information about the user. Cookies generally do not permit us to personally identify you.

Third parties whose products or services are accessible or advertised through the Services, may also use cookies or similar tools, and we advise you to check their privacy policies for information about their cookies and other practices. We do not control the practices of such partners and their privacy policies govern their interactions with you. We encourage you to read their privacy policies.

Links to Third Party Sites

The Site and Service may provide links to other websites or resources over which we do not have control (“External Websites”). We may have relationships with third-party providers to provide content, products, services, and functionality through the Services. Such providers may collect information from you directly, in which case the provider’s privacy policy (which may differ from this Privacy Policy) would apply. If you have any questions regarding the privacy policy of any of our providers, you should contact the provider directly for more information.

We are not responsible for the privacy practices or the content of those third-party websites. Such links do not constitute an endorsement by PMICalculators of those External Websites. You acknowledge that PMICalculators is providing these links to you only as a convenience and agree that PMICalculators is not responsible for the content of External Websites. Your use of External Websites is subject to the terms of use and privacy policies located on the External Websites.

Conditions of Use; Contacting Us

This Policy may change from time to time and use of information that PMICalculators gathers is subject to the Policy in effect at the time of use. If PMICalculators decides to use personally identifiable information in a manner that is materially different from what is stated at the time such information was collected from you, such changes will be posted in this document or elsewhere on our Site and provide you with an opportunity to decline such use of your information. Please check this Site frequently to see recent changes, additions and deletions to this Policy. Your continued use of the Service and/or access to the Site constitutes your agreement to this Policy and any updates thereto. Use of the Service is subject to the applicable terms and conditions for the Service.

To remove your name from our database or to interrupt e-mail notifications, please contact us via the PMICalculators website.

Security

We may employ procedural and technological measures, consistent with industry practice, to protect your personally identifiable information. Such measures are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. PMICalculators may use password protection and other security measures to help prevent unauthorized access to your personally identifiable information. PMICalculators is not, however, obligated to employ such measures and makes no assurances thereof.

Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot guarantee that information that we collect will never be disclosed in a manner that is inconsistent with this Privacy Policy.

If you have any questions regarding this Privacy Policy, please contact us via the PMICalculators website.

Please note that this policy may be amended from time to time. You should check back for the most current version before relying on any of the provisions in this privacy policy. By using the Services, you agree to the terms of this Privacy Policy.