Privacy


Our Privacy Principles

(Last updated April 11th 2017)

 

This Privacy Policy describes how Nuzaki Microfinance (“Nuzaki Crowd”) collects and uses the personal information you provide to Nuzaki Crowd through our Website (www.NuzakiCrowd.org) or by other means. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information. By accessing or using the Website, you signify that you have read this Privacy Policy, and you expressly consent to our collection, use, disclosure, storage and protection of your personal information as described in this Privacy Policy.

 

1.    No sale of personal information. Nuzaki Crowd will not rent or sell your personal information to third parties.

 

2.    Information you provide through the account creation and update process.  When you create an account on the Website, we collect basic information about you through the registration process – your name, email address, and a means to authenticate your account (for example, a password). You may also choose to provide additional information through the account creation and update process, such as the person who referred you to Nuzaki Crowd, your location (for example, city, state/province and country), a picture and your address. I

 

3.    Information collected, displayed and used for other Website and Program features.  As you use additional features on the Website or otherwise participate in the Program, we may collect any additional information you choose to provide in order to facilitate the operation of these features on the Website or your participation in the Program. For example:

 

4.    Information from third parties.  Nuzaki Crowd collects your information from third parties to facilitate activities and transactions for the operation of the Website and Program, improve User experiences on the Website and in the Program and further Nuzaki Crowd’s mission.  Examples of information we receive from other sources include information from another User about whether you referred that User to Nuzaki Crowd, information from service providers about your use of the Website.  If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. Nuzaki Crowd stores this information for the sole purpose of sending this one-time email, offering the ability for you to easily remind your friend and tracking the success of our referral program. Your friend may contact us at contact@NuzakiCrowd.org to request that we remove this information from our database. You can import contacts from your Gmail, Yahoo! or other email account address book to invite them to become members of our site. We or our service providers collect the username and password for the email account from which you wish to import your contacts and we will only use it for that purpose. To understand the ways in which Nuzaki Crowd may disclose your information to our affiliates, service providers, agents and representatives, please see Section 10 (Disclosure to affiliates, service providers, agents and representatives) below of this Privacy Policy.

 

5.    Information from cookies and web beacons.  Cookies are small text files created by a website that store information on your computer, such as your preferences when visiting that website. Similar to many websites, if you have enabled cookies in your browser, Nuzaki Crowd, independently and through enabled third party tools and programs, collects certain technical information using cookies, such as the path of users to the Website, pages visited, originating IP address, browser type, browser language and the date and time of the user's visit. This information helps Nuzaki Crowd track trends and improve areas of the Website and Program, and are common analytics used by most websites. If you have disabled cookies, the Website may not work as it is intended because Nuzaki Crowd uses cookies when you sign in to keep track of your personal session. Web beacons are tiny graphics with a unique identifier that are similar in function to cookies but, instead of being stored on your computer, are embedded invisibly on web pages and are about the size of the period at the end of this sentence. Web beacons are used to track the online movements of internet users. Nuzaki Crowd uses them to better understand User interaction and engagement with the Website and Program (including without limitation, in electronic Communications), such as by learning whether certain users have accessed the Website via links from other websites. Nuzaki Crowd can use this information to tailor its audience for advertisements promoting Nuzaki Crowd. You may set your browser preferences to opt out of the collection and use of this tracking information for ad targeting purposes. One way to set your preferences for what sites can or can't share tracking information with Nuzaki Crowd (or with other websites) is by using a service such as the one available at www.aboutads.info/choices.  Nuzaki Crowd also uses cookies for remarketing, by placing a cookie in your browser to signal that you've visited the Website.  This gives us the option to show you ads for Nuzaki Crowd when you visit other websites that host advertisements.  Nuzaki Crowd supports the Do Not Track preference available on most internet browsers.  When you have enabled the Do Not Track setting on your browser, Nuzaki Crowd's remarketing functionality will be disabled.  The use of cookies by third parties on the Website is for the purpose of making the Website easier to use and to enable certain features of the Website and is not covered by this Privacy Policy.  We do not have control over these cookies.

 

6.    Electronic communications.  From time to time you will receive disclosures, notices, documents and information based on your account information, status or activity (collectively, "Communications") from Nuzaki Crowd (for example, confirmations of Donations you have made, confirmation receipts for donations you have made, statements or other information with respect to the amount of credit available in your Nuzaki Crowd account, confirmation of email address or password changes, or customer service inquiries regarding the status of or activity in your account). By creating an account with Nuzaki Crowd on the Website, you agree that all Communications from Nuzaki Crowd relating to your use of the Website and participation in the Program may be provided or made available to you electronically by e-mail or at the Website. To access the Communications electronically, you will need to use a computer with Internet Explorer 8.0 or above, Chrome 4.0 or above, Safari 4.0 or above, Opera 10.0 or above or Firefox internet browsers and with hardware capable of running these internet browsers. You may withdraw your consent to receive Communications electronically by contacting Nuzaki Crowd in the manner described below. However, if you withdraw your consent to receive Communications electronically from Nuzaki Crowd (other than for the optional emails described in Section 9 (Optional emails) below), Nuzaki Crowd will not have the ability to permit you to fund any additional Donations through your account on the Website. The withdrawal of your consent will not affect the legal validity and enforceability of electronic Communications provided by or on behalf of us in connection with any of your Donations that have not been fully repaid, or any electronic Communications provided by or on behalf of Nuzaki Crowd prior to the time you withdraw your consent. It is your responsibility to keep Nuzaki Crowd informed of any changes in your email address so that you continue to receive all Communications without interruption. By registering on the Website, you acknowledge that you can access the electronic Communications, and you consent to having all Communications provided or made available to you in electronic form and to participate in the Program electronically. We may also provide you with Communications through physical mail.  You may request a paper copy of any electronic notice from Nuzaki Crowd by sending an email to contact@NuzakiCrowd.org, including your name and the address to which you would like the paper copy sent.

 

7.    Optional emails.  By default, you will receive the following types of emails from Nuzaki Crowd, but you can choose not to receive these emails through a preference on the My Account, Email Preferences section of the Website or in the email: Donation repayment notifications, auto lending notifications, Nuzaki Crowd news, Donation updates, donor messages and team messages. Nuzaki Crowd will not disclose your email address to our field partners, borrowers or donors in any case.  Note that if you have a public donor profile, other Users can send you messages through the Website.

 

8.    Disclosure to affiliates, service providers, agents and representatives.  We will disclose your personal information to third parties only in the ways that are described in this privacy statement. Nuzaki Crowd's affiliates and service providers, agents and representatives of Nuzaki Crowd and its affiliates may be provided access to your personally identifiable information as part of, or incident to, their provision of services to Nuzaki Crowd (for example, processing Donation transactions, distributing Nuzaki Crowd emails and fulfilling physical Nuzaki Crowd Card orders). All such access shall be under appropriate confidentiality agreements and limited to use to provide services to Nuzaki Crowd to help Nuzaki Crowd further its mission.

 

9.    Security.  Nuzaki Crowd takes reasonable steps to maintain appropriate physical, technical such as encrypting transmission of information using SSL and administrative security to help prevent loss, misuse and unauthorized access, disclosure and modification of personal information.  While we take these reasonable efforts to safeguard your personal information, no system or transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.

 

10.    Location of data.  Nuzaki Crowd is headquartered in Canada. Your personal information may be accessed by Nuzaki Crowd, our affiliates, service providers, agents and representatives in Canada or elsewhere in the world.  By providing us with personal information, you consent to this transfer. Nuzaki Crowd will protect the privacy and security of personal information according to this Privacy Policy regardless of where the personal information is processed or stored.

 

11.    Disclosure of non-personally identifiable data.  Nuzaki Crowd reserves the right to disclose information that does not directly identify you, for example, aggregated or anonymized data, for educational, informational or promotional purposes in furtherance of Nuzaki Crowd’s mission.

 

12.    Legal disclosures.  Notwithstanding anything to the contrary in this Privacy Policy or the Terms of Use, you acknowledge, consent and agree that Nuzaki Crowd may disclose information in order to: (a) comply with applicable law, regulation, legal process, or governmental request; (b) protect the rights, property and safety of Nuzaki Crowd, Users and others, including intellectual property rights; and (c) enforce or apply our agreements and policies.

 

13.    Use of your information.  In addition to the uses (including display and disclosure) of your information that we have described above in this Privacy Policy, Nuzaki Crowd uses your information that Nuzaki Crowd has collected as described above in this Privacy Policy in order to facilitate activities and transactions for the operation of the Website and Program, improve User experiences on the Website and in the Program (for example, to personalize the content provided to you on the Website and to enhance connections between donors and between donors and borrowers) and further Nuzaki Crowd’s mission. With your consent we may post a short profile along with your name in the Meet the Fellows area of the Website. If you want your profile removed please contact us.

 

14.    Access to your information. If your personally identifiable information changes, you may correct, update, amend, delete/remove your information by making the change on the My Account, My Donor Page section of the Website or by requesting the change by contacting Nuzaki Crowd by email at contact@NuzakiCrowd.org or by postal mail at the contact information listed in Section 22 (How to contact Nuzaki Crowd) below. We will respond to your change request within 30 days. You may terminate your participation in the Program and registered account on the Website at any time and for any reason by sending a written notice of termination to Nuzaki Crowd along with instructions for the disposition of your then-available Nuzaki Crowd Credit and any additional credits that you may receive in the future (e.g., based on repayments of then-outstanding and active Donations), such notice to be effective within 3 days of receipt by Nuzaki Crowd.

 

15.    Links to other websites.  If you follow any links which remove you from the Website (for example, the independently operated Facebook, Twitter, Blogger, Wordpress, Salesforce and any websites that use data from our API, including joinfite.org), this Privacy Policy no longer applies – i.e., the privacy policies and practices of other websites and other parties are governed by their respective terms of use and privacy policies. Please note that electronic payment processing for (i) additions of funds into a Nuzaki Crowd account or (ii) withdrawal of funds from a Nuzaki Crowd account is provided by the third-party payment processing provider, PayPal.

 

16.    Public Forums. Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at contact@NuzakiCrowd.org.  In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

 

17.    Note regarding children under 13.  The Website is intended to be used by adults. It is not intended for children, and Nuzaki Crowd does not want to collect any personal information for persons who are under the age of 13. Nuzaki Crowd recommends that parents do not post, or permit others to post, any personally identifiable information with respect to persons under the age of 13. If you believe that we have any information from a child under age 13, please contact us at contact@NuzakiCrowd.org.

 

 

18.    Retention period.  Nuzaki Crowd reserves the right to retain your personal information for a period of 7 years or more to satisfy legal requirements such as recordkeeping and tax and credit reporting requirements, as well as for purposes of fraud prevention, audit and data integrity. In addition, Nuzaki Crowd reserves the right to retain, as well as to use and disclose as permitted pursuant to this Privacy Policy, your personal information for such period of time as reasonably needed by Nuzaki Crowd to facilitate activities and transactions for the operation of the Website and Program, improve User experiences on the Website and in the Program and further Nuzaki Crowd’s mission. Nuzaki Crowd reserves the right to retain information that does not directly identify you, for example, aggregated or anonymized data.

 

19.    Modifications; Interpretation.  Nuzaki Crowd may update or modify this Privacy Policy from time to time. If any changes are made, Nuzaki Crowd will reflect the date on which any such changes are made and posted by updating the "last updated" date at the top of the page. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective. Please be sure to check this page periodically for changes. Capitalized terms used but not defined in this Privacy Policy have the meanings set forth in the Terms of Use.

 

20.    How to contact Nuzaki Crowd.  We take privacy seriously and we value yours. For additional information, or if you have any questions regarding this Privacy Policy or the privacy practices at Nuzaki Crowd, please submit your questions or comments directly to contact@NuzakiCrowd.org via email