Effective date: January 15, 2019
Michiana Professional Credit Bureau ("us", "we", or "our") operates the www.michprocb.com website and the Michiana Professional Mobile mobile application (hereinafter referred to as the "Service").
This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.
*Service means the www.michprocb.com website and the Michiana Professional Mobile mobile application operated by Michiana Professional Credit Bureau
*Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
*Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
*Cookies are small files stored on your device (computer or mobile device).
**Information Collection and Use **
We collect several different types of information for various purposes to provide and improve our Service to you.
**Types of Data Collected **
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:
*First name and last name
*Address, State, Province, ZIP/Postal code, City
*Cookies and Usage Data
We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by contacting us.
**Usage Data **
We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device ("Usage Data").
This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When you access the Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and
other diagnostic data.
**Tracking; Cookies Data **
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
- Session Cookies. We use Session Cookies to operate our Service.
- Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
- Security Cookies. We use Security Cookies for security purposes.
**Use of Data **
Michiana Professional Credit Bureau uses the collected data for various purposes:
- To provide and maintain our Service
- To notify you about changes to our Service
- To allow you to participate in interactive features of our Service when you choose to do so
- To provide customer support
- To gather analysis or valuable information so that we can improve our Service
- To monitor the usage of our Service
- To detect, prevent and address technical issues
- To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information
**Transfer of Data **
Your information, including Personal Data, may be transferred to - and maintained on - computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
**Disclosure of Data **
**Disclosure for Law Enforcement **
Under certain circumstances, Michiana Professional Credit Bureau may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
**Legal Requirements **
Michiana Professional Credit Bureau may disclose your Personal Data in the good faith belief that such action is necessary to:
- To comply with a legal obligation
- To protect and defend the rights or property of Michiana Professional Credit Bureau
- To prevent or investigate possible wrongdoing in connection with the Service
- To protect the personal safety of users of the Service or the public
- To protect against legal liability
Security of Data
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal
Data, we cannot guarantee its absolute security.
We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
**Service Providers **
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).
MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
The payment processor we work with is:
Links to Other Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Service does not address anyone under the age of 18 ("Children").
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification
of parental consent, we take steps to remove that information from our servers.
**Contact Us **
- By email: email@example.com
- By phone number: 260-463-5244
- By mail: 111 W Spring St, Suite 1, LaGrange, IN 46761
Last updated: January 15, 2019
The information contained on www.michprocb.com website and Michiana Professional Mobile mobile app (the "Service") is for general information purposes only.
MPCB assumes no reponsibility for errors or omissions in the contents on the website.
In no event shall MPCB be liable for any special, direct, indirect, consequential or incidental damages or and damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the service or the contents of the website. MPCB reservices the right to make additions, deletions, or modification to the contents of the website at any time without prior notice.
MPCB does not warrant that the Websiteis free of viruses or other harmful components.