Privacy Policy

Who We Are Copy:

Millennial Credit Advisers.com understands that your privacy is important and that you care about how your information is used and shared online.

Our site only collects and uses information in ways consistent with your rights and our obligations under the law. Namely, data is processed:

When you give specific and express consent for us to do so
When necessary for the performance of a contract, where you are a party to that contract (for example, if you buy something, we will need to collect payment and delivery information to deliver that product to you)
When necessary for compliance with a legal obligation
When required to protect the vital interest of the data subject (you) or another natural person
When necessary for the legitimate interests we pursue, except where your interest or fundamental rights and freedoms override such interest.

This Policy applies to our use of any data collected concerning your use of our site.
Please be sure to carefully read this Privacy Policy and ensure that you understand it.

YOU ARE CONSIDERED TO HAVE ACCEPTED OUR PRIVACY POLICY WHEN YOU FIRST USED OUR SITE. If you disagree, you must stop using our site and accept our privacy policy.

Using our site, you certify that you are an adult, at least 18 years of age.
What personal data do we collect, and why do we collect it

Personal Information Collected on this Website
No personally identifiable information is collected on this website from persons who browse our website. The only personally identifiable information collected on this website is gathered in our comment area and on specified signup forms, where fields are provided so that you can provide your name and email address to leave a comment or receive a download, newsletter, or other emails on updates, giveaways, or other offers. We collect this information so that we can respond to the comments or questions that you post.
Please see the table below for additional details on how we collect and use personally identifiable information.

Anonymous Information Collected on this Website
We record anonymous data. Most of the information we collect from this website is anonymous, such as the pages you visit. Other anonymous data we may collect include the name of your internet service provider, the website you used to link to our site, other interests you have, basic demographic information, the websites you visit from our site, and your IP address. The data is used for statistical purposes only, but you remain anonymous as the individual user. We use this anonymous information to help improve the content of this site and to compile aggregate statistics about individuals using our site for internal market research purposes.
Please see the table below for additional details on collecting and using anonymous information.

Cookies
Cookies are small text files placed on your computer or device by our site when you visit certain parts of our site.
When you visit our website, we may assign your computer one or more cookies to facilitate access, personalize your online experience, and record information about your visit.
Using a cookie, we also may automatically collect information about your online activity on our website, such as the web pages you visit, the links or advertisements you click on, and other actions you take while on our website.
The cookies do not store any Personally Identifiable Information (PII) about you.

Most browsers automatically accept cookies, but you can modify your browser setting to decline cookies.

If you choose to decline cookies, please note that some of the features and services of our website may not function properly. We also use cookies for purposes such as maintaining continuity during an online session, gathering data about the use of our site, monitoring online promotions, and anti-fraud and information security purposes.
We may allow third parties, advertising companies, and ad networks (“Advertisers”) to display advertisements on our website. Advertisers may use tracking technologies like cookies to collect information about users who view or interact with their advertisements.
Our website does not provide any PII to these Advertisers. Still, they may collect information about where you, or others using your computer, saw and clicked on the advertisements they delivered and possibly associate this information with your subsequent visits to the advertised websites. They also may combine this information with personal information they collect directly from you. The collection and use of that personal information is subject to the particular Advertiser’s privacy policy.

Embedded content from other websites
Articles on this site may include embedded content (e.g., videos, images, articles, etc.).
Embedded content from other websites behaves like the visitor has visited another website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

Links to Other Sites
Our website does contain links to affiliates and other websites. Our site does not claim nor accept responsibility for other websites’ privacy policies, practices, and procedures. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. The Privacy above Policy Agreement applies only and solely to the information collected by our website.
Through affiliate links, identifying information may be carried over to an outside site to show that you visited that site from our site to ensure proper commissions are issued.

“We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.”

Who do we share your data with

We contract with the third parties listed in the table above to supply products, services, and a good user experience on our behalf. These include payment processing, delivery of goods, search engine facilities, advertising, and marketing.

In some cases, these parties may require access to some or all of your data. When that is the case, we take all reasonable steps to ensure that your data will be handled safely, securely, and by the law.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This allows us to automatically recognize and approve any follow-up comments instead of holding them in a moderation queue.

For users who register on our website, we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

Information collected using Google Analytics is retained for 26 months.

Information submitted through forms, such as email or contact forms, is retained until the data subject chooses to unsubscribe or invokes their right under GDPR to be forgotten.

What rights do you have over your data?

If you have an account on this site or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us.

You can also request that we erase any personal data we hold about you. This does not include any data we must keep for administrative, legal, or security purposes.

Similarly, suppose you have subscribed to our email list. In that case, you can unsubscribe anytime and request that the site administrator erase all personal data obtained via our email marketing service.

Rights of California Residents

If you reside in California, California Law (CCPA) gives you the right to ask if we sell or disclose your personal information to third parties.

We do not sell your personal information to third parties for others’ direct marketing. We have not sold your personal information in the past. California law also gives you the right to opt out of such sales.

Where do we send your data?

Visitor comments may be checked through an automated spam detection service.

How to contact us
If you have any questions or concerns regarding our site or this privacy policy, please contact us at [email protected].

Changes to our privacy policy

We may change this privacy policy as necessary, occasionally, or as required by law. Any changes will be posted on our site, and you will be deemed to have accepted them on your first use of our site following alterations. You should check this page regularly to ensure you are current.