Introduction
Mpower LLC ("Mpower") is the sole owner of the information collected on this site. We won't sell, share, or rent this information to others in ways different from what is disclosed in this statement. The process of maintaining a website is an evolving one, and this policy will be assessed on an ongoing basis against new technologies, business practices, and our customers' needs. We reserve the right to change, modify, or amend this policy at any time. This privacy policy is incorporated into and subject to Mpower's User Agreement governing the use of this website, available at www.mpowering.com.
Mpower is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent organization whose mission is to build user trust and confidence in the internet by promoting the use of fair information practices. This privacy statement covers the website http://www.mpowering.com. Because we desire to demonstrate our commitment to your privacy, we've agreed to disclose this site's information practices and have its privacy practices reviewed for compliance by TRUSTe.
If you have questions or concerns regarding this statement, first contact our support department. If your inquiry isn't acknowledged or hasn't been addressed to your satisfaction, please contact TRUSTe at http://watchdog.truste.com. TRUSTe will then serve as a liaison with us to resolve your concerns.
Mpower has designed and runs this website to comply with US-based data protection rights and laws. If you're unsure whether this privacy statement is in conflict with applicable local rules, you should not submit your information. In accordance with local laws implementing European Union Directive 95/46/EC of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data ("EU Privacy Directive"), customers located in countries outside of the United States of America who submit personal information do thereby consent to the general use of such information as provided in this Privacy Statement and to its transfer to and/or storage in the United States of America.
Children's Privacy
This website isn't intended for children under the age of 13. Children at least 13 years of age and under the age of 18 may browse the website pursuant to the Mpower Terms of Use, but only individuals at least 18 years old may submit personal information. If you don't agree to (or can't comply with) any of Mpower's Terms of Use, don't use this website.
What Information Do We Collect?
Mpower's goal is to provide you with the information, products, and services that are most relevant to you. To achieve this goal, we collect two types of information when you visit our website: personally identifiable information you voluntarily choose to disclose; and "aggregate information" about your use of our website that is automatically collected when you visit our website.
Personal Information You Choose to Provide
Personally identifiable information refers to information that tells us specifically who you are. We collect personal information from you when you voluntarily choose to provide it. In this connection, you may be asked to provide information such as your name; mailing and current email address; credit card information; and username and password. You may also provide additional personal information at your option, such as your marital status, household income, net worth, credit score, education, and employment status. We may ask you to confirm your personal information when you contact our support department. This will allow us to protect your confidentiality by verifying your identity. Further, if you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses.
How We Use Your Personal Information
Broadly speaking, your personal information is used to help us customize the content and layout of our website so that we may provide you with a smooth and efficient visit. We also use personal information for purposes of administering our business activities, providing customer service, and making available other products and services to our customers and prospective customers. Occasionally, we may use the collected information to notify you about important changes to our website, new services, and special offers we think you'll find valuable.
For example, we might use the information we collect on our website to enhance your experience to:
• Deliver merchandise and services that you purchase online.
• Register you as a member of Mpower.
• Prevent fraud.
• Confirm your orders and submissions.
• Respond to your customer-service inquiries or requests.
• Communicate featured items and special offerings to you.
• Provide custom debt payoff strategies.
• Educate you on term and payoff schedule of your aggregate debt.
• Provide insurance and investment referrals.
We don't sell or rent your personal information to any third parties. We'll share personal customer information only with our agents, representatives, service providers, such as credit card processors and contractors for limited purposes, including without limitation providing our customers with services; offering certain products and services in connection with this website; communicating to customers; providing customer service; enhancing and improving customers' website experience; enabling access to our partners' websites; providing a personalized experience; preventing fraud; and completing payment method processing. Our service providers are prohibited from using your personally identifiable information for their own marketing purposes.
Mpower may offer a number of third party services from our website, such as links to credit card providers, mortgage brokers or financial advisors. If you choose to use these optional services, we may provide some of your personally identifiable information to the service provider offering such services in order for them to provide you with more accurate and relevant products. Conversely, the service provider may provide Mpower with personal program information about the products you qualify for.
Special Offers and Updates
We'll occasionally send you information on products, services, and content we think will interest you. Out of respect for your privacy, we present the option not to receive these types of communications. Please see the "Choice and Opt-out."
Service-Related Announcements
We'll send you strictly service-related announcements on rare occasions when it's necessary. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt out of these communications, which aren't promotional in nature. If you don't wish to receive them, you have the option to deactivate your account or contacting us at support to let us know your preferences.
Customer Service
Based upon the personally identifiable information you provide us, we'll send you a welcome email to verify your login information. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We'll communicate with you by email or phone, in accordance with your wishes.
Supplementation of Information
In order to provide certain services to you (including, but not limited to Account Aggregation, Bill Pay, Funds Transfer, Property Values, Stock Quotes and Historical Values, Credit Card Authorization, Credit Score, Credit Report, Retirement Planning and other Calculators), we may on occasion supplement the personal information you submitted to us with information from third party sources. These third party sources may include, but aren't limited to Yodlee, Zillow, Xignite, Chargify, TransUnion and CalcXML. For example, through Yodlee we retrieve aggregated financial account data (e.g. your bank account transactions), and through Zillow we calculate the value of your property assets where relevant. Similarly, through CalcXML we compute a retirement savings plan for you. These third party sources are trusted partners of ours, and we comply with their strictest standards of data communication and storage.
ID Verification
We use Chargify to verify your credit card information and process your credit cards payments. We use TransUnion to verify that you are the owner of your social security number when you retrieve your credit score and report.
Aside from the purposes described above, we don't share your personal information with any other third parties unless we have your express permission or if special circumstances arise, such as believing in good faith that the disclosure is required to prevent harm or injury (such as product recalls, fraud, claims or other liability); or to comply with valid legal processes (subpoenas, warrants); or as required by law. We may disclose your personal information in order to investigate network abuse or a violation of any of our Terms of Use or other published guidelines; or if you engage in (or are reasonably suspected of engaging in) any illegal activities. We reserve the right to report any suspected illegal activity to law enforcement for investigation or prosecution. We also reserve the right to disclose your information to other parties in the context of a business transaction or contemplated business transaction involving a merger, consolidation, change in management, acquisition by another company, sale of company stock or assets, or similar event. We may share, license access to or sell aggregated demographic and statistical information with our partners. This is not linked to any personal information that can identify any individual person.
Aggregate Information
Aggregate information refers to information your computer automatically provides to us and that is not tied back to you as a specific individual. Examples include referral data (the websites you visited just before and just after our site), the pages viewed, time spent at our website, and IP (Internet Protocol) addresses. An IP address is a number that is automatically assigned to your computer whenever you surf the Internet. When you request a page from our Website, our servers log your IP address to create aggregate reports on user demographics and traffic patterns for advertisers and partners, and for purposes of system administration. We use this aggregated information to determine consumer trends and needs, which allows both Mpower and our partners to advertise more effectively, and allows you to receive advertisements that are less duplicative and more relevant to your interests.
Log Files
Mpower uses IP addresses to analyze trends, administer the site, track users' movements, and gather broad demographic information for aggregate use. We don't link your IP address to other personally identifiable information about you.
Cookies
Our website uses a feature of your browser to set a "cookie" on your computer. Cookies are small packets of information that a website's computer stores on your computer. Mpower's website can then read the cookies whenever you visit our site. We use cookies in a number of ways, such as, to deliver content specific to your interests. These cookies allow us to use the information we collect to customize your Mpower experience so that your visit to our website is as relevant and as valuable to you as possible. For these reasons our cookies are tied to your personally identifiable information such as your email address.
Most browser software can be set up to deal with cookies. You may modify your browser preference to provide you with choices relating to cookies. You have the choice to accept all cookies, to be notified when a cookie is set or to reject all cookies. Most browsers offer instructions on how to reset the browser to reject cookies in the "Help" section of the toolbar. We don't link non-personal information from cookies to personally identifiable information without your permission.
Notice of New Services and Changes
Occasionally, we also may use the information we collect to notify you about important changes to our website, new services, and special offers we think you will find valuable. If you would not like to receive these notifications, you can unsubscribe from receiving these notices at by contacting Mpower support, or simply follow the unsubscribe instructions in each promotional email.
Controlling the Use of Your Information
You may review, correct, update, change or delete personal information you have submitted at any time by accessing your information on "My Profile" page of our website.
Links to Other Websites
Mpower's website may contain links to third party websites. We cannot be responsible for the privacy practices or the content of these third-party websites, and we don't control the practices of these third parties to whom we are linked. Please note that we provide these links to you only as a convenience, and our inclusion of any link does not imply that Mpower endorses the site. Please read over the rules and policies of these linked sites before proceeding. If you have additional questions about how one of our advertisers, partners, or sponsors use information about you, we urge you to contact them directly.
Notification of Changes
If we decide to change our privacy policy, we'll post those changes on our site so you will always be aware of our latest policy. It's your obligation to periodically check our site for our most up-to-date privacy policy. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we'll notify users here by email or by means of a notice on our home page. Users will be given an opportunity to choose to not let us use their information in this different manner.
Security
Our website takes reasonable precautions to protect our users' information by utilizing advanced security measures designed to maintain data security and integrity. When you submit sensitive information, including financial information, via the website, your information is protected both online and off-line. However, no system is 100% secure, and you should use caution whenever submitting important information over the Internet, whether to our website or to any other. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee it's absolute secure.
If you have any questions about security on our website, you can send support an email: support@mpowering.com.