1. NOTICE
By accessing and using our Website, you are accepting the practices described in this Privacy Policy and are also agreeing to comply with our Terms and Conditions. Before submitting your personal information to our Website, please read this Privacy Policy carefully. This Privacy Policy is designed to assist you in understanding how we collect, use, and disclose personal information that we obtain through your use of our Website.
2. ABOUT US
We are MiWay Finance Inc, and we are based in Grapevine, Texas.
Our Website allows you to read information about online loan processes and related information. Our Website allows you to apply for a loan. We are not a lender but a referral service with many lenders who do make personal loans.
When you visit our Website, some information will be automatically collected using cookies and similar technologies, but we ask your consent if required.
3. WHAT YOU SHOULD KNOW BEFORE USING THE MiWay Finance INC WEBSITE
Before using and sharing information through our Website, you should understand the different options you have and their meaning.
To search for information and to read content, you don’t need to enter personal information such as your name, or email address, but if you want to use the full features of our Website you will be required to submit personal information when applying for a loan. Your data will not be shared with any parties or sold to other parties.
You should read and agree with our Terms and Conditions.
Before submitting any information, understand your options and decide what information you want to be shared.
If you have questions you can always contact us at info@miwayfinance.com
4. SOURCES AND TYPES OF PERSONAL DATA WE COLLECT FROM YOU
We receive and store information you enter on our Website or related links, this may include personal identity information. We may also request loan application information. We also collect certain information automatically when you use or visit our Website.
You can choose not to provide information to us, in which case we will not be able to submit your loan application for evaluation.
INFORMATION WE COLLECT FROM:
a) Visitors of our Website
When you visit our Website, some information will be collected automatically using cookies and similar technologies, but we provide you with different choices including the opportunity to opt-out. Note that not all these cookies collect personally identifiable information and some of them are necessary to use different functionalities of our Website.
b) Applicant Users of our Website
To use some of the features of our Website, certain information may be required. For example, personal data, if you want access to apply for a loan.
c) Other Sources
We also may periodically obtain both personal and non-personal information about you from affiliated entities, business partners, and other independent third-party sources and add it to other information about you.
For example, if you visit our Website and apply for a loan, then personal information, such as credit data, may be shared with the prospective lender.
5. HOW WE USE YOUR INFORMATION
MiWay Finance Inc uses the information we collect about you for loan applications, for lenders to communicate with you, and to connect you with these lenders if you have completed an application for a loan. We also use your information for analytics, and if required, for legal reasons. We are not a lender but a credit access business (CAB)
We use your information when you authorize us to use it and when it is necessary to enforce this Privacy Policy and our Terms and Conditions including:
- for loan applications and to manage your account, including to facilitate your access to and use of our Website;
- to resolve disputes or troubleshoot problems;
- to prevent prohibited or illegal activities;
- to enforce our Terms and Conditions and Privacy Policy;
- to share your information with prospective lenders when you have completed an application for a potential loan.
- in response to subpoenas, court orders, or other legal process; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law (In such cases, we reserve the right to raise or waive any legal objection or right available to us);
- when we believe it is necessary to investigate, prevent, or act regarding illegal or suspected illegal activities; to protect and defend the rights, property, or safety of MiWay Finance Inc, our Website visitors or registered users, our licensees, or others;
- in connection with a corporate transaction, such as a divestiture, investment, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy
6. HOW WE SHARE YOUR INFORMATION
MiWay Finance Inc may share some of your information with providers of products and services listed on our Website, third-party vendors who provide services or functions on our behalf, and affiliate partners.
THIS IS HOW WE SHARE YOUR INFORMATION WITH THE FOLLOWING ENTITIES:
a) We share your application information with prospective lenders connected to our Website via a technology platform to speed the application process.
b) Your information is also accessible to our third-party affiliates who provide services/functions on our behalf, such as identity theft protection, credit repair, possible promotion programs, fraud prevention and other services as we deem appropriate. These third-party affiliates collect and use your information for specific marketing purposes and are not permitted to share or use the information for any other purpose.
c) When you come to our Website and complete or start the application process by entering any data about yourself as part of the loan application process we may share that information with our affiliate partners.
We currently do not accept or process any loan applications from any country outside of the United States ( Texas ). We do not market outside the United States, specifically Texas.
7. RETENTION PERIODS AND DELETION
MiWay Finance Inc retains your personal information to the extent necessary to reasonably serve your loan application needs, to enhance security and fraud prevention, and for audit purposes. We delete sensitive personal information on a regular basis to enhance protection from unauthorized website attacks and intrusions.
8. HOW WE PROTECT YOUR INFORMATION
We want you to feel confident about using our Website, and we are committed to protecting the information we collect. While no Website can guarantee security, we have implemented appropriate administrative, technical, encryption, and server security procedures to help protect the personal information you provide to us.
For example, only authorized employees are permitted to access personal information that you submit on the Website, and they only may do so for limited business functions. Our security and privacy policies are periodically reviewed and enhanced as necessary, and only authorized personnel have access to personal information you have submitted on the Website. We use encryption when transmitting your personal information between your system and ours, and we, together with our lenders and affiliates, employ encryption systems, firewalls and intrusion detection systems to help prevent unauthorized persons from gaining access to your application information. We purge sensitive data on a scheduled basis.
You should bear in mind that submission of information over the Internet is never entirely secure. We cannot guarantee the security of information you submit via our Website while it is in transit over the Internet, and any such submission is at your own risk.
10. CHILDREN’S PRIVACY
This Website is a general audience Website and does not offer services directed to individuals under 21 years of age.
No one under the age of 21 may provide any information to or on this Website. We do not knowingly collect personal information from individuals under 21.
If you are under 21, do not use or provide any information on this Website or on or through any of its features, do not register on this Website, use any of the interactive or comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. Should an individual whom we know to be under the age of 21 send personal information to us, we will delete or destroy such information as soon as reasonably possible. If you believe we might have this type of information, contact us.
11. INFORMATION ABOUT INTERNATIONAL TRANSFERS
If you are visiting our Website from outside the United States, please be aware that your information will be transferred to and stored in the United States where our servers and central database are located. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country, but please be assured that MiWay Finance Inc does take steps pursuant to laws in the United States to ensure that your privacy is protected. By visiting our Website, you understand that your information will be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy. We do not process any loan applications or information submitted from outside the United States.
12. CHANGES TO THIS PRIVACY POLICY
MiWay Finance Inc may update this Privacy Policy in the future at its sole discretion.
13. HOW YOU CAN CONTACT US
If you have questions about this Privacy Policy or if you want to communicate with our Data Protection Officer, please email info@miwayfinance.com. Please provide your identification and contact details, including your email address used to apply with this Website, and a complete explanation of your concern. All information is strictly confidential, Privacy Policy as of July, 1, 2020.