PRIVACY POLICY
During your use of Misely, LLC (collectively, “Misely, “we,” “our,” or “us”) services, including our website located at www.misely.com (the “Website”), you may provide information about yourself. Misely works hard to ensure that it has taken steps to prevent the unlawful or unauthorized use of your information. This is our Privacy Policy and it explains how and why Misely collects, uses, and protects your information. By using Misely services, you consent to the terms and conditions of this Privacy Policy.
Children
Our services are not directed to children, and you may not use our services if you are under the age of 13 years old. You must also be old enough to consent to the processing of your personal data in your country.
What information do we collect?
We may collect personal information that you provide to us by, for example, using the contact form on our Website. Specifically, we may collect:
- Your name and contact information (such as your address, phone number, and email address);
- Your business name and contact information;
- Your photo;
- Your NMLS number;
- Financial information (such as your credit card information);
- Your answers to financial questions (such as “How much are you comfortable paying every month for your mortgage?” and “From a financial planning perspective, would you say that you have a conservative, moderate or somewhat aggressive strategy” and/or similar questions); and
- Any other information you choose to provide.
Our Website may also collect some non-personal information about you automatically, such as:
- Your IP address and geographic location;
- The date and time you access our Website;
- The URLs of websites and pages you visit; and
- Hardware and software information that we receive from your internet-enabled device.
Why do we collect, store, and process your information?
Your information may be collected to allow us to:
- Answer your questions;
- Deliver products or services that you request;
- Send you important notices such as account or order information or changes to our policies;
- Personalize your access to the Website;
- Analyze errors and improve the operation of the Website;
- Prepare statistics about the use of the Website; and
- Keep the Website, its users, and systems connected to the Website secure.
DISCLOSURE REGARDING AUTOMATED PROCESSING OF PERSONAL DATA: Misely uses proprietary computer software algorithms to generate loan scenarios based on automated processing of the personal financial data that you provide to us. If you have any questions or complaints about your results, please contact us at info@misely.com.
When and how we share your information with others
- Misely uses Stripe (https://stripe.com/) to process online payments for our services. You can read Stripe’s privacy policy and terms of service here: https://stripe.com/us/privacy.
- Misely also uses Google Analytics (https://www.google.com/analytics/) to analyze traffic on the Website. You can read the Google Analytics Terms of Service here: https://www.google.com/analytics/terms/us.html. You can read the Google Privacy Policy here: https://policies.google.com/privacy.
Misely will not share your personal information with additional third parties except:
- Where you have given your express consent;
- When Misely, in good-faith judgment, determines it needs to provide your information to a third party to deliver services you requested;
- If part or all the ownership of Misely is sold or transferred, your information may be transferred to the new owner; or
- When disclosure is required by law, or to protect the rights, property, or personal safety of personnel of Misely, or members of the public.
The legal basis we have for processing your personal data
The EU General Data Protection Regulation (GDPR) requires data controllers such as Misely to have a legal basis to use personal data collected from the EU and the UK. Therefore, this section applies to any such personal data collected by Misely.
Our legal basis for processing your personal data is your consent. Misely may also process your personal data if we haves a lawful, legitimate interest in doing so.
How to control cookies
Misely may use “cookies” or similar technologies to collect some of the non-personal information described above, for example, your IP address. A cookie is a small piece of text sent to your browser by a website you visit. It helps the website to remember information about your visit, like your preferred language and other settings. You can adjust your browser settings to block or disable cookies. You can find more information about deleting and controlling cookies here: https://www.aboutcookies.org/.
How we respond to do not track signals
Your browser may be able to send a “Do Not Track” message when you visit our Website. Do Not Track messages do not hide any of your information, and Misely accepts no responsibility or liability whatsoever for complying with Do Not Track requests.
How we protect your information
Misely has put technical and organizational safeguards in place to help prevent loss of or unauthorized access to the information we collect.
- We use Secure Sockets Layer (SSL) encryption for sensitive Internet communications?
- Misely uses https://linode.com to securely host your data . You can read Linode's privacy policy at https://www.linode.com/; security at https://www.linode.com/security; terms of service at https://www.linode.com/tos; and customer agreement at www.linode.com/agreement.
- We mandate annual training for our employees.
- We routinely review and update our privacy policy and practices.
- Before sharing your information with a third party, we require some confirmation from the third party that they are complying with the GDPR.
How long do we keep your information?
We may keep your information on file for the maximum period allowed by law, or indefinitely if there is no such period. We will delete your data if you request this, unless we have a lawful compelling interest for retaining your data. To request deletion of your data, contact Misely at info@misely.com.
International users
This Website is hosted on web servers in the United States. If you are accessing the Website from a non-U.S. location, your provision of personal information or other access to our Website constitutes your transfer of such data to the United States, a jurisdiction that may not provide a level of data protection equivalent to the laws in your home country.
Your EU GDPR personal data privacy rights
If you accessed the Website from the European Union or the United Kingdom, you have the right to:
- Request a copy of your personal data;
- Request corrections to your personal data;
- Request that we delete your personal data;
- Withdraw your consent for collection and processing of your personal data; and
- File a complaint with your local data protection authority if you believe your personal data privacy rights were violated.
To file a request, or if you have any questions, please contact us by sending an email to info@misely.com.
Changing or correcting your information
You can make changes or corrections to the personally identifiable information you have submitted to us. To do this, contact the Subscriber who entered your information or contact Misely directly at info@misely.com.
Information transmitted over the Internet is not secure
Misely cannot guarantee the security or confidentiality of information that you send to us over the Internet. If you choose to send information to us over the Internet, including by email or contact form, you do so at your own risk.
Links to other websites
Our Website may contain links to websites that are not controlled by Misely (“Linked Websites”). Misely accepts no responsibility or liability whatsoever for the content of Linked Websites. If you decide to visit Linked Websites, they may collect information from you, and your use of Linked Websites is solely at your own risk.
Contact us
If you have questions or complaints about this Privacy Policy, we encourage you to contact us at”
Misely, LLC
19309 Winmeade Drive #404
Lansdown, VA 20176
Changes to this Privacy Policy
Misely may update its Privacy Policy from time to time. Updates to the Privacy Policy will appear in the “Privacy Policy” section of our website with a date noting the last update.
Last Updated: 11/23/2023