Privacy Environmental Policy

This Privacy Policy describes how Nuzaki Microfinance (“NuzakiCrowd”) collects and uses the personal information you provide to NuzakiCrowd 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. NuzakiCrowd 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 NuzakiCrowd, your location (for example, city, state/province and country), a picture and your address.

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. NuzakiCrowd 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 NuzakiCrowd’s mission. Examples of information we receive from other sources include information from another User about whether you referred that User to NuzakiCrowd, 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. NuzakiCrowd 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 NuzakiCrowd 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, NuzakiCrowd, 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 NuzakiCrowd 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 NuzakiCrowd 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. NuzakiCrowd 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. NuzakiCrowd can use this information to tailor its audience for advertisements promoting NuzakiCrowd. 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 NuzakiCrowd (or with other websites) is by using a service such as the one available at www.aboutads.info/choices. NuzakiCrowd 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 NuzakiCrowd when you visit other websites that host advertisements. NuzakiCrowd supports the Do Not Track preference available on most internet browsers. When you have enabled the Do Not Track setting on your browser, NuzakiCrowd'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 NuzakiCrowd (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 NuzakiCrowd 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 NuzakiCrowd on the Website, you agree that all Communications from NuzakiCrowd 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 NuzakiCrowd in the manner described below. However, if you withdraw your consent to receive Communications electronically from NuzakiCrowd (other than for the optional emails described in Section 9 (Optional emails) below), NuzakiCrowd 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 NuzakiCrowd prior to the time you withdraw your consent. It is your responsibility to keep NuzakiCrowd 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 NuzakiCrowd 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 NuzakiCrowd, 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, NuzakiCrowd news, Donation updates, donor messages and team messages. NuzakiCrowd 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. NuzakiCrowd's affiliates and service providers, agents and representatives of NuzakiCrowd and its affiliates may be provided access to your personally identifiable information as part of, or incident to, their provision of services to NuzakiCrowd (for example, processing Donation transactions, distributing NuzakiCrowd emails and fulfilling physical NuzakiCrowd Card orders). All such access shall be under appropriate confidentiality agreements and limited to use to provide services to NuzakiCrowd to help NuzakiCrowd further its mission.

9. Security. NuzakiCrowd 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. NuzakiCrowd is headquartered in Canada. Your personal information may be accessed by NuzakiCrowd, 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. NuzakiCrowd 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. NuzakiCrowd 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 NuzakiCrowd’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 NuzakiCrowd 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 NuzakiCrowd, 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, NuzakiCrowd uses your information that NuzakiCrowd 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 NuzakiCrowd’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 NuzakiCrowd by email at contact@NuzakiCrowd.org or by postal mail at the contact information listed in Section 22 (How to contact NuzakiCrowd) 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 NuzakiCrowd along with instructions for the disposition of your then-available NuzakiCrowd 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 NuzakiCrowd.

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 NuzakiCrowd account or (ii) withdrawal of funds from a NuzakiCrowd 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 NuzakiCrowd does not want to collect any personal information for persons who are under the age of 13. NuzakiCrowd 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. NuzakiCrowd 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, NuzakiCrowd 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 NuzakiCrowd 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 NuzakiCrowd’s mission. NuzakiCrowd reserves the right to retain information that does not directly identify you, for example, aggregated or anonymized data.

19. Modifications; Interpretation. NuzakiCrowd may update or modify this Privacy Policy from time to time. If any changes are made, NuzakiCrowd 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 NuzakiCrowd. 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 NuzakiCrowd, please submit your questions or comments directly to contact@NuzakiCrowd.org via email

21. Personal information will not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law.
22. Reasonable efforts will be made to ensure that personal information is as accurate, complete, and up-to-date as is necessary for the purposes for which it is used.
23. Personal information will be protected by reasonable security safeguards appropriate to the sensitivity of the personal information.
24. We are open about our privacy policies and procedures and therefore ensure that those privacy policies and procedures are available for review.
25. As a user of our site, you confirm that you wish to receive ongoing email and newsletter communications from our company.
26. Upon request, and within a reasonable period of time, an individual will be informed of the existence, use, and disclosure of his or her personal information and will be given access to that information, except where the law requires or permits us to deny access. An individual is entitled to comment on the accuracy and completeness of his or her personal information, and have that information amended where appropriate.
27. An individual can contact, inquire and challenge the compliance with the above principles by contacting NuzakiCrowd Crowd, at

There are some simple yet very important steps you can take to protect your privacy:
1. Notify us immediately if:
– You believe someone has obtained your email and password
– You believe your personal or financial information has been compromised
– You believe you have been the victim of identity theft, or that someone is using your personal information fraudulently

Your Display Name is what other Registered Users and Visitors to the Site use to identify you. It is a good practice to select a password for your profile that is unique, a combination of letters, numbers and symbols, and is not predictable or easy to guess. When choosing a password, you must not use:

1. Your name or a close relative’s name
2. Your birth date, year of birth, telephone number or address, or a close relative’s
3. Your Display Name
4. Any other number which can be easily obtained or guessed by someone else, or
5. A password you use for any other service.
6. Protect your Email Address, Display Name, and Passwords

• Your Email Address, Display Name, and Passwords are the keys to your profiles. You are the only person who should know them. Never disclose your Email Address, Display Name, or Passwords to anyone, or you could be liable for losses. No employee or agent will ever ask you verbally or through e-mail for this information. You should memorize your Passwords rather than keeping any written record of them. However, if you decide that you truly need to keep a written record, you should follow the following rules:

• Your Password must be disguised within the written record you make so that no else can easily guess that it is a record of your Password.

• You should not record your Password electronically on your computer in any way, and you should not store your Password near your computer (for example, on a sticky note placed on the edge of your monitor screen).

• Making sure that NuzakiCrowd Crowd has your most up-to-date address or contact information will help protect your personal information from being misdirected

Protect your privacy online

• To protect your privacy online, you should clear your browser’s cache after each session, use a firewall, and use up to date software to protect your computer from viruses and spyware.

• You should never post any personal information online including your name, address, phone number, email address, Social Insurance Number, driver’s licence number, bank account, credit card numbers, etc.

Reduce your risk of identity theft:

• shred documents that contain personal or financial information before you throw them out
• request a copy of your credit bureau report periodically
• don’t give out personal information over the phone unless you have initiated the call or know who you are dealing with

If you receive a suspicious phone call, e-mail or letter, if you think someone is impersonating NuzakiCrowd, or believe that you have been the victim of a fraud or attempted fraud through telephone, mail or e-mail, call NuzakiCrowd Crowd at 1 647-830-6231 or e-mail contact@NuzakiCrowd.com.

Information collected and displayed about the Donations that you have made. NuzakiCrowd collects information on your Donation Transactions, individually (for example, amount of a Donation Transaction, recipient of a Donation, Donation location, Donation status) and in the aggregate (for example, number of Donation Transactions and the distribution of Donation Transactions by gender, country, sector and partner). If you have created an account on the Website and conducted Donation Transactions through your account, NuzakiCrowd makes information on these Donation Transactions available to you on your private portfolio page on the Website. Except as noted below, NuzakiCrowd will not disclose your personally identifiable Donation Transaction information to any third party without your consent (please note: having a public donor profile setting on the Website at the time of disclosure is considered consent for such disclosure). If you have a public donor profile, information on Donation Transactions conducted through your Account will be displayed on your public donor page. NuzakiCrowd may further publicly display and disclose Donation Transaction information, either in a personally identifiable or anonymous manner (depending on your donor profile setting at the time of such display or disclosure), for example, as part of the latest activity of any Lending Team to which you may have attributed the Donation, as part of the current activity on the Website and as part of a historical visualization of activity on the Website. If you have created an account on the Website and conducted Donation Transactions through your account, you can review information for these Donation Transactions by logging into your account on the Website.

a. Lending Teams. If you join a Lending Team and you have a public donor profile, information about your Lending Team will be displayed on your public donor page (for example, Lending Team name and location, as well as the number of Donations made by the Lending Team). In turn, you will be displayed as a member of the Lending Team (and a captain of the Lending Team, if applicable) either in a personally identifiable or anonymous manner (depending on your donor profile setting). Information about the Donation Transactions that you have attributed to a Lending Team (individually and in the aggregate) also will be displayed as part of Donations made by that Lending Team. You can review your Lending Team information by logging into your account on the Website.

b. Invitees. The lending profile of persons who have accepted your invitations to create an account on the Website may be displayed on your lending page as accepted invitees. In turn, if you have accepted an invitation to create an account on the Website, your lending profile may be displayed as an accepted invitee on the lending page of the person who invited you. If you have created an account on the Website and invited persons using the NuzakiCrowd invitation feature in your account, you can review your invite activity and your accepted invitee information by logging into your account on the Website.

c. NuzakiCrowd API. The NuzakiCrowd API is a service NuzakiCrowd provides to allow third parties to develop and offer applications, services and features using information from the Website and Program (“Third Party Applications”). The NuzakiCrowd API may share any information about you that you have chosen to share publicly on the Website (whether through your donor page settings or otherwise) (“Public Information”). In addition, if you authorize a Third Party Application to use your non-public information from the Website or Program (for example, your contact information and the amount of your available NuzakiCrowd Credit and outstanding donations) (“Non-Public Information”), you are giving NuzakiCrowd permission to share your Non-Public Information to such Third Party Application. Third Party Applications are not created or maintained by NuzakiCrowd, but by third parties. These third parties’ terms of service and privacy policies govern how your information is handled by them (whether you provide your information to these third parties directly or through the NuzakiCrowd API) and not this Privacy Policy or the NuzakiCrowd Terms of Use. These third parties have agreed to the NuzakiCrowd API Terms of Service or a separately negotiated agreement, which contain restrictions on the use of your information. Despite these agreements, NuzakiCrowd may not screen or audit any Third Party Application, and NuzakiCrowd cannot guarantee that third parties will abide by these agreements. NuzakiCrowd gives no guarantees or warranties with respect to any Third Party Application and is not responsible for your use or inability to use any Third Party Application, including without limitation the content, accuracy, reliability or security of Third Party Applications or the privacy practices or other policies of third parties. To revoke permissions that you have granted to a Third Party Application, you may revoke these permissions by logging into your account on the Website or by contacting NuzakiCrowd. To report suspected misuse of information, please contact us.

d. Comments and messages. If you use interactive features on the Website to write a comment (for example, on a NuzakiCrowd blog, message board or volunteer forum), NuzakiCrowd will collect your name and your comment, and optionally, your location and NuzakiCrowd may publicly display this information. If you use interactive features on the Website to write a message through NuzakiCrowd’s donor messaging feature, NuzakiCrowd will collect your message and information about your recipient that you provide in order to deliver your message to the recipient and make your message available for access by the recipient. 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, please contact us. 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.

e. Integrated third party features. If you use features on the Website that are integrated with third party websites or services (for example, Twitter and Facebook) to share information about your activity on the Website (for example, information about recently completed Donation Transactions and whether you “like” NuzakiCrowd) through the third party website or service, NuzakiCrowd will share this information with the third party website or service and additional information, if any, that you choose to provide to NuzakiCrowd in order to use these features (for example, your username for the third party website or service). However, NuzakiCrowd reserves the right to withhold or withdraw information related to borrowers to the extent necessary to protect the privacy of borrowers. If you use interactive features on NuzakiCrowd to indicate that you "recommend" a particular feature or listing on NuzakiCrowd, that information will be collected and may be displayed on the Website and furthermore shared on any applicable third party websites and services to which you have authorized such information sharing.

f. Donations. NuzakiCrowd collects information on any donations you make to NuzakiCrowd (whether through the Website or offline) to communicate with you (for example, to provide donation confirmations) via your email address, physical address or through other means of contact that you have chosen to provide to NuzakiCrowd.

g. Customer service. If you contact NuzakiCrowd customer service, we will collect the information you provide (for example, your name, email address, physical address, phone number and question/comment) in order to contact you and address your question or comment.

h. Applications. If you submit an application to NuzakiCrowd (for example, to be an employee, volunteer, borrower, trustee or field partner), we collect the information you submit (for example, name, phone number, resume, cover letter and position of interest) to assess the application and follow up with you on such submission. If you are applying to be a NuzakiCrowd fellow, we reserve the right to disclose your application information to our field partners in order to help evaluate your application and placement.

i. Surveys and Promotions. From time-to-time, NuzakiCrowd may provide you the opportunity to participate in promotions or surveys through the Website or through email. If you participate, we may request certain personally identifiable information from you. Participation in these surveys or promotions is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code and gender). We use this information to notify and award promotion winners, to monitor Website traffic, personalize the Website and Program and to send participants email newsletters. We may use third party service providers to conduct these surveys or promotions. We will not share the personally identifiable information you provide through a contest or survey with other third parties unless we give you prior notice and choice.