Your privacy is very important to us. We want to make your experience on the Internet as enjoyable and rewarding as possible, and we want you to use the internet’s vast array of information, tools, and opportunities with complete confidence.
To ensure your privacy policy complies with the Federal Trade Commission (FTC) guidelines, the Fair Credit Reporting Act (FCRA), the General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA), it should encompass the following key elements:
Effective Date: 01/27/2025
1. INTRODUCTION
Melanin Money (Melanin Money Enterprises, LLC) appreciates your business and trust. We are education based company, creating products to enhance your learning and legacy. Please read this Privacy Policy, providing consent to both documents in order to have permission to use our services.
Melanin Money (Melanin Money Enterprises, LLC) considers the protection of personal information to be a foundation of customer trust and a sound business practice. We employ physical, electronic and procedural controls in order to protect client confidentiality. We may use personal information about you to assist us in completing your account creation, completing transaction or account changes, and to maintain or service your account. At Melanin Money, we will always restrict access to personal information to those who require it to provide products or services to you. The only time we will provide any information about you or your information is with your express, written consent as required by law.
2. DATA COLLECTED
We collect the following types of personal information:
• Contact Information: Name, email address, phone number. • Usage Data: Information about how you use our services, including interaction data and preferences. • Financial Information: Soft credit data, wallet balance, and unsecured credit line approvals (collected in compliance with FCRA regulations).
We collect information through:
REGISTRATION DATA
If you opt in or register on our website, we store your email address and any additional personal information added to your user profile. You can edit or delete your personal information at any time. Website administrators can also see and edit this information.
PURCHASE DATA
To receive product support, you have to have one or more products or services on our website. These products will be sent to your or we will send access to the products for use as long as you are a paying customer and your profile data maintains active records. This is required for us to provide you with downloads, product support and other customer services.
SUPPORT DATA
If you have registered on our website and have a valid support account, you can submit support tickets for assistance. Support form submissions are sent to our third party ticketing system. Only the data you explicitly provided is sent. These submissions are only kept for customer service purposes they are never used for marketing purposes or shared with third parties. Gorgias adheres to the EU/US “Privacy Shield” and you can see their privacy policy here: Privacy Policy.
COMMENTS
When you leave comments on the website we collect the data shown in the comments form, and also the IP address and browser user agent string to help spam detection.
AUTOMATED TECHNOLOGIES
• Through cookies and similar tracking technologies as you interact with our website. • We use Google Analytics on our site for anonymous reporting of site usage. So, no personalized data is stored. If you would like to opt-out of Google Analytics monitoring your behavior on our website please use this link: Google Analytics Opt-out. • We may collect financial data through a soft credit pull authorized under the FCRA for the purpose of determining financial qualifications.
CASES FOR USING THE PERSONAL DATA
We use your personal information in the following cases:
• Verification/identification of the user during website usage; • Providing Technical Assistance; • Delivery products purchased; • Sending updates to our users with important information to inform about news/changes; • Checking the accounts’ activity in order to prevent fraudulent transactions and ensure the security or our customers’ personal information; • Customize the website to make your experience more personal and engaging; • Guarantee overall performance and administrative functions run smoothly; • To provide and manage our services effectively;
• To tailor our services to your preferences;
• To send updates, newsletters, and marketing materials, where permitted;
• To adhere to legal obligations, including FCRA compliance for credit pre-screening.
Note that under some legislations, we may be allowed to process information until you object to such processing (by opting out), without relying on consent or any of the following legal bases below. In any case, we will be happy to clarify the specific legal basis that applies to the processing, and in particular, whether the provision of Personal Information is a statutory or contractual requirement, or a requirement necessary to enter into a contract. You further understand that this is a soft pull and will not harm your credit in any way whatsoever.
3. EMBEDDED CONTENT
Pages on this site may include embedded content, like YouTube videos, for example. Embedded content from other websites behaves in the exact same way as if you visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged-in to that website.
4. WHO HAS ACCESS TO YOUR DATA
We don’t share your data with third-parties in a way as to reveal any of your personal information like email, name, etc. The only exceptions to that rule are for partners we have to share limited data with in order to provide the services you expect from us. If you are not a registered person or customer of our site, there is no personal information we can retain or view regarding yourself. If you are a customer with a registered account, we may share your personal information with:
• Administrators: Our system administrators. • Service Providers: Third parties who assist us in providing our services. • Legal Obligations: Authorities when required by law or to protect our rights. • Business Transfers: In connection with mergers, acquisitions, or asset sales. • Gorgias: Gorgias provides the support ticketing platform we use to handle support requests. The data they receive is limited to the data you explicitly provide and consent to being set when you create a support ticket. Gorgias adheres to the EU/US “Privacy Shield” and you can see their privacy policy here: Privacy Policy. Soft credit pull data is shared only with authorized entities in compliance with FCRA regulations.
5. Legal Basis for Processing (GDPR Compliance)
Our legal grounds for processing personal data include:
•Consent: When you have given explicit consent for specific purposes. • Contractual Necessity: To fulfill our contractual obligations to you. • Legal Obligation: To comply with legal and regulatory requirements, including FCRA mandates. • Legitimate Interests: For purposes such as improving our services, provided these interests are not overridden by your rights.
6. CONSUMER RIGHTS
Under GDPR: • Access: You have the right to request access to your personal data. • Rectification: You can request correction of inaccurate data. • Erasure: You have the right to request deletion of your data. • Restriction: You can request the restriction of processing under certain conditions. • Data Portability: You have the right to receive your data in a structured, commonly used format. • Objection: You can object to processing based on legitimate interests.
Under CCPA:
• Right to Know: You can request disclosure of the categories and specific pieces of personal information we have collected. • Right to Delete: You can request deletion of your personal information. • Right to Opt-Out: You can opt-out of the sale of your personal information. • Non-Discrimination: You have the right not to be discriminated against for exercising your CCPA rights. Under FCRA:
• Access to Credit Data: You can request information about your credit data collected during the pre-screening process. • Dispute Inaccuracies: You have the right to dispute any inaccuracies in your credit information and request corrections. • Purpose Disclosure: We conduct soft credit pulls strictly for the purpose of financial qualification, as permitted by FCRA regulations.
To exercise these rights, please contact us at CustomerService@melaninmoney.com
7. HOW LONG WE RETAIN YOUR DATA
We retain personal information only as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, or reporting requirements. FCRA data is retained securely for the duration required by law.
8. SECURITY MEASURES
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction, in compliance with FTC, GDPR, CCPA, and FCRA standards.
We use the SSL/HTTPS protocol throughout our site. This encrypts our user communications with the servers so that personal identifiable information is not captured/hijacked by third parties without authorization.
In case of a data breach, system administrators will immediately take all needed steps to ensure system integrity, will contact affected users and will attempt to reset passwords if needed.
9. YOUR DATA RIGHTS GENERAL RIGHTS
If you have a registered account on this website or have left comments, you can request an exported file of the personal data we retain, including any additional data you have provided to us. You can also request that we erase any of the personal data we have stored. This does not include any data we are obliged to keep for administrative, legal, or security purposes. In short, we cannot erase data that is vital to you being an active customer (i.e. basic account information like an email address). If you wish that all of your data is erased, we will no longer be able to offer any support or other product-related services to you.
10. RELEASE OF YOUR DATA FOR LEGAL PURPOSES
At times it may become necessary or desirable to Melanin Money, for legal purposes, to release your information in response to a request from a government agency or a private litigant. You agree that we may disclose your information to a third party where we believe, in good faith, that it is desirable to do so for the purposes of a civil action, criminal investigation, or other legal matter. In the event that we receive a subpoena affecting your privacy, we may elect to notify you to give you an opportunity to file a motion to quash the subpoena, or we may attempt to quash it ourselves, but we are not obligated to do either. We may also proactively report you, and release your information to, third parties where we believe that it is prudent to do so for legal reasons, such as our belief that you have engaged in fraudulent activities. You release us from any damages that may arise from or relate to the release of your information to a request from law enforcement agencies or private litigants. Any passing on of personal data for legal purposes will only be done in compliance with laws of the country you reside in.
11. CHILDREN'S PRIVACY
Our services are not directed to individuals under 16. We do not knowingly collect personal information from children under 16.
12. MOBILE INFORMATION
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties
13. AMENDMENTS
We may amend this Privacy Policy from time to time. When we amend this Privacy Policy, we will update this page accordingly and require you to accept the amendments in order to be permitted to continue using our services.
14. CONTACT US
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
325 N SAINT PAUL ST STE 3100 DALLAS, TX 75201 CustomerService@melaninmoney.com
