- 1 Consent
- 2 Information we collect
- 3 How we use your information
- 4 Log Files
- 5 Cookies and Web Beacons
- 6 Advertising Partners Privacy Policies
- 7 Third Party Privacy Policies
- 8 CCPA Privacy Rights (Do Not Sell My Personal Information)
- 9 GDPR Data Protection Rights
- 10 Privacy Notice for California Residents
- 10.1 Sharing Personal Information
- 10.2 Your Rights and Choices(CCPA)
- 10.3 Access to Specific Information and Data Portability Rights
- 10.4 Deletion Request Rights
- 10.5 Exercising Access, Data Portability, and Deletion Rights
- 10.6 Response Timing and Format
- 10.7 Personal Information Sales
- 10.8 Non-Discrimination
- 11 Children’s Information
- 11.2 Collection of Information, Use of it and Communication with Parents
- 11.3 Registration Process
- 11.4 Content Generated by A Child
- 11.5 Persistent Identifiers
- 11.6 What Child’s Information is Shared with Others?
- 11.7 Parents Control over Child’s Information
- 11.8 How Parents may Raise Questions and Concerns?
Information we collect
The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.
If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.
When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.
How we use your information
We use the information we collect in various ways, including to:
- Provide, operate, and maintain our website
- Improve, personalize, and expand our website
- Understand and analyze how you use our website
- Develop new products, services, features, and functionality
- Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
- Send you emails
- Find and prevent fraud
Onmoneytrends follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services’ analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users’ movement on the website, and gathering demographic information.
Cookies and Web Beacons
Like any other website, Onmoneytrends uses ‘cookies’. These cookies are used to store information including visitors’ preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users’ experience by customizing our web page content based on visitors’ browser type and/or other information.
Advertising Partners Privacy Policies
Note that Onmoneytrends has no access to or control over these cookies that are used by third-party advertisers.
Third Party Privacy Policies
You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites.
CCPA Privacy Rights (Do Not Sell My Personal Information)
Under the CCPA, among other rights, California consumers have the right to:
Request that a business that collects a consumer’s personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
Request that a business deletes any personal data about the consumer that a business has collected.
Request that a business that sells a consumer’s personal data, not sell the consumer’s personal data.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.
GDPR Data Protection Rights
We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.
Privacy Notice for California Residents
Information We Collect
The Website collects information that identifies, relates to, describes, references is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”).
In particular, the Website has collected the following categories of personal information from its consumers within the last 12 months:
|A. Identifiers.||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||YES|
|B. Personal information categories are listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).||A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.||YES|
|C. Protected classification characteristics under California or federal law.||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).||YES|
|D. Commercial information.||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||YES|
|E. Biometric information.||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||YES|
|F. Internet or other similar network activity.||Browsing history, search history, information on a consumer’s interaction with a Website, application, or advertisement.||YES|
|G. Geolocation data.||Physical location or movements.||YES|
|H. Sensory data.||Audio, electronic, visual, thermal, olfactory, or similar information.||YES|
|I. Professional or employment-related information.||Current or past job history or performance evaluations.||YES|
|J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).||Education records directly related to a student are maintained by an educational institution or party acting on its behalfs, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.||YES|
|K. Inferences are drawn from other personal information.||The profile reflects a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||YES|
Personal information does not include:
- Publicly available information from government records.
- Deidentified or aggregated consumer information.
- Information excluded from the CCPA’s scope, like certain health or medical information and other categories of information protected by different laws.
We obtain the categories of personal information listed above from the following categories of sources:
- Directly from you. For example, from forms you complete or products and services you purchase.
- Indirectly from you. For example, from observing your actions on our Website.
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following business purposes:
- To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
- To process your requests, purchases, transactions, and payments and prevent transactional fraud.
- To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal information or as otherwise set forth in the CCPA.
- To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our or our affiliates’ assets in which personal information held by us or our affiliates about our Website users is among the assets transferred.
We will not collect additional categories of personal information or use the personal information we collect for materially different, unrelated, or incompatible purposes without providing you notice.
Sharing Personal Information
We may disclose your personal information to a third party for business purposes. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
We share your personal information with the following categories of third parties:
- Service providers.
- Data Aggregators.
Your Rights and Choices(CCPA)
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you:
- The categories of personal information we’ve collected about you.
- The categories of sources for the personal information we’ve collected about you.
- Our business or commercial purpose for collecting or selling that personal information.
- The categories of third parties with whom we share that personal information.
- The specific pieces of personal information we’ve collected about you (also called a data portability request).
- If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- sales, identifying the personal information categories that each category of recipient purchased; and
- disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.). Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Email us at email@example.com
Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we’ve collected personal information or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us.
We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing.
We will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Personal Information Sales
We will not sell your personal information to any party. If in the future, we anticipate selling your personal information to any party, we will provide you with the opt-out and opt-in rights required by the CCPA.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Other California Privacy Rights
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to firstname.lastname@example.org.
Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.
Onmoneytrends does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.
Collection of Information, Use of it and Communication with Parents
Children can investigate the site and can view and print content without giving any individual data other than the automatic collection of device “persistent identifiers,” examined in more detail beneath. Our site just gathers limited individual data if the child registers to become a member or presents a question or request to us. In the event, the data gathered does not permit contact with him or her or his or her gadget (counting, for instance, collected data), we may utilize and uncover it for any reason, to the degree allowed by applicable law.
In the event the child wants to register to our site, we require the following data to be submitted:
- Username (we advise the child not to use his or her real name);
- Birth month and year.
We additionally require the child to give a parent’s email address. We utilize the parent’s email address to look for parental consent for the child’s enrollment and to clarify what data we are gathering, how we plan to utilize it, and how the parent can renounce consent or demand whenever we expel the record and erase any individual data gathered from the child (counting the parental contact data).
In the event, that you believe your child is taking part in an action that gathers individual data and you or another parent/guardian have NOT consented, or in the event that you no longer wish for your child to take an interest as an individual from the site, please don’t hesitate to reach us at email@example.com, and we will erase your child’s record and the parental contact data.
Content Generated by A Child
Certain exercises on our site and applications permit the child to make or control content and save it. Some of these exercises don’t oblige children to give any individual data and during this time we may not bring about notice to the parents. In the event, when an activity asks the child to provide individual data, we will either ask the submitter to delete the information, or we will look for verifiable parental consent by email for collection. If in addition to collecting information that includes personal information, onmoneytrends also plans to post the content publicly or share it with a third party for the third party’s own use, we will obtain a higher level of parental consent.
- Ensure that the site functions properly;
- Enable us to conduct research and analysis to understand, address and improve the use and performance of the site; and
- Diagnose and respond to problems.
What Child’s Information is Visible on the Site?
We strictly restrict the amount of information freely available for individual who is known to us as a child. When a child posts any type of content on the site, only the age and the content is visible to others. The child’s username is not posted with this submitted content on our site. Despite the fact that the child may create a profile for his or her record (which incorporates the username, password, birth month and year, and parent’s email address), no part of the child’s profile other than the child’s age is openly visible.
We don’t uncover to outsiders any child’s personal information that we gather other than as follows, in compliance with applicable law: (a) with a parent’s authorization, (b) as required by any relevant law, (c) to third-party services who help us work or deal with the site, (d) as part of aggregated data shared with third-party service providers, our Board of Directors, funders and different accomplices, (e) to conform to legal process, (f) to respond to legislative solicitations, (g) to implement our Terms of Service, (h) to ensure our operations, (i) for assistance in fraud detection and prevention; (j) to secure the rights, protection, well being or property of onmoneytrends, your child or others, (k) to allow us to pursue available remedies or limit the damages that we may sustain, and (l) in connection with a disposition of all or a considerable part of our business, resources or stock, for example, a deal, merger, consolidation, redesign, joint venture, task, or bankruptcy or comparable procedures.
Parents Control over Child’s Information
Parents / Guardians may at any time access or change the individual data that we have gathered online from their children. Parents may likewise solicit us to stop the accumulation of information from their children, or to make no further utilization of, or erase, the individual data we have gathered online from their children, in which case, the child’s record will be erased. Parents have to reach us at firstname.lastname@example.org, or by writing to us at the address given underneath with their request. For your child’s protection, we may need to check your identity before actualizing your demand. We will attempt to agree to your demand when reasonably practicable.
How Parents may Raise Questions and Concerns?
If a parent has any questions or concerns about his or her child’s use of the site, we encourage the parent to contact us at Address: No.113 Abgoson Revine Street, Gitata, Karu, Nasarawa State, Nigeria.
Phone Number: 08035851344
Email address: email@example.com
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on our Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.