Privacy Policy

M20 APPS COMMITMENT TO PRIVACY

M20 APPS is committed to protecting your privacy and the confidentiality of your personal information and has developed this policy to ensure these goals. The collection and use of personal information is fundamental to our products and services for our customers. That includes treating your personal information fairly and with care.

 

WHAT IS PERSONAL INFORMATION?

Personal Information is information that is specific to you and includes your name, address, age and other identifiers such as your personal information the way in which you use our products and services and to whom information is disclosed.

 

ACCOUNTABILITY TO CUSTOMERS

At M20 APPS, we take our commitment to securing your privacy very seriously. We have appointed a member of our management team as M20 APPS Privacy Officer. The Privacy Officer is responsible for analyzing all personal information handling practices at M20 APPS and insuring that our Privacy Policy is up to date and in force at all times. Our employees and representatives are informed about the importance of privacy and receive information periodically to update them about our Privacy Policy and related policies. Each employee and representative of M20 APPS is responsible for the personal information under his or her control.

 

WHY DO WE COLLECT YOUR PERSONAL INFORMATION

There are a number of reasons why we collect and use personal information. Either before or at the time we collect personal information, we will explain how we intend to use it and limit collection and use to those purposes. We will ask for your further consent before it can be used for any other purpose. We obtain most of the information about you directly from you. Additional information may be obtained credit reporting agencies and other third party sources.

Personal information is collected to establish a relationship and to serve your product needs. It is used

  • to verify your identity;
  • to determine the suitability of our products and services;
  • to evaluate and review our application as it applies to our services and products
  • to understand your product needs and determine which products or related services may be of use to you and to offer those to you either ourselves or organizations with which we have strategic alliances;
  • to share with third parties M20 APPS may select and make arrangements with as its business associates for eligibility for products and offer them to you;
  • to comply with legal requirements and regulations

 

CONSENT

Your consent is required before we may collect, use or disclose your personal information, except in special circumstances, such as during a fraud investigation and in other legal and security situations.

We accept any of the following as your consent for M20 APPS existing and future collection, use and disclosure of your personal information for the purposes identified in this policy or in any document in which you expressly give your consent:

  • your unrestricted provision of information directly to M20 APPS or through its partners.
  • your consent as obtained through an application process, or the product;
  • your receipt of this Privacy Policy, unless you advise us, either orally or in writing, that you do not agree with the terms stated in this Policy, and that you wish to opt out of all or portions of it.

Your consent can be expressed to us orally (such as over the telephone), in writing (such as on an application) or electronically (such as via the internet).

Please note that withdrawing your consent may affect our ability to continue to provide you with the products and services that you have or would like to receive.

To withdraw your consent, you should contact our Privacy Officer at the address or telephone number listed below.

 

LIMITING COLLECTION, USE, DISCLOSURE AND RETENTION OF INFORMATION

The personal information about you which we collect will be limited to that which is necessary for the purposes we identified to you. Information will be collected by us only by fair and lawful means.

We will not use or disclose your personal information for purposes other than those identified to you at the time or before your consent was given. We will seek your further consent before using the information for purposes beyond the scope of your original consent.

There are some necessary types of disclosure of your personal information which occasionally occur as part of M20 APPS fulfilling its routine obligations and conducting its business in the ordinary course. This includes, for example, disclosure to third party lenders, rating agencies, consumer reporting agencies, partners, consultants and suppliers to M20 APPS (also known collectively as “service providers”).

We will retain your information only for the time it is required for the identified purposes and for a reasonable length of time thereafter in case we need to meet any potential obligations or legal or government requirements. Once your personal information is no longer required, it will be destroyed or made anonymous.

 

KEEPING YOUR INFORMATION ACCURATE

M20 APPS strives to base its decisions on each customer’s accurate, complete and relevant personal information. We rely on you to disclose all material information and to inform us of any changes so we may update our files.

 

SAFEGUARDING YOUR INFORMATION

We will protect your information, whether in electronic or paper based format, with strict safeguards and security measures, to protect it from unauthorized access, disclosure or misuse. We review our security procedures regularly to ensure that they are being properly administered and that they remain effective and appropriate.

 

PROVIDING ACCESS TO YOUR INFORMATION

We will give you access to the information we retain about you when you request it and satisfactorily identify yourself. We will tell you what personal information we have, what it is being used for, from whom it was collected and to whom it has been disclosed (except where such disclosure was to a governmental body or service provider for routine purposes or to a governmental body where that body has exercised a legal right to obtain the information).

We will do so within a reasonable time and a nominal fee for processing your request may apply.

If we deny your request for access to your personal information, we will advise you in writing of the reason for the refusal.

For more Information

RESPECTING AND RESPONDING TO YOUR PRIVACY CONCERNS

M20 APPS has prepared this plain language Privacy Policy to keep you informed. It is made available to the public in paper form at the address set out below, and in electronic form.

If you have any questions or concerns regarding your privacy or this Privacy Policy, you should direct them to M20 APPS Privacy Officer at the telephone, e-mail address or mailing address below.

 

M20 APPS Officer
E-mail address: info@m2oapps.com

 

Please be sure to include your name, address, preferred method of communication, the nature of your complaint and relevant details, including your past communications with us. If you have a complaint and it is justified, we will take the steps necessary to resolve the issue, including, if necessary, amending our Privacy Policy and procedures.