14. Security
We take the security of your personal information seriously and implement reasonable measures to protect it. However, please note that no system can be completely secure. We use industry-standard encryption technologies to secure sensitive data, such as credit card information and personal details, during transmission.
- Data Encryption: All sensitive data, such as payment information, is encrypted using SSL/TLS encryption to ensure it is securely transmitted over the internet.
- Account Protection: You are responsible for maintaining the confidentiality of your account details, including your password. If you believe your account has been compromised, you should notify us immediately.
While we implement security measures to protect your data, we cannot guarantee the absolute security of your information. By using the Website, you acknowledge that you are aware of the inherent risks associated with internet usage.
15. Compliance
General Data Protection Regulation (GDPR)
For users within the European Union (EU) or the European Economic Area (EEA), My Credit Ally adheres to the principles outlined in the General Data Protection Regulation (GDPR). This regulation ensures that your personal data is processed lawfully, fairly, and transparently.
- Data Retention: We will retain personal data for as long as necessary to fulfill the purposes outlined in these Terms or as required by law. You can request the removal or modification of your personal data as outlined in the “What Rights You Have Over Your Data” section of our Privacy Policy.
California Consumer Privacy Act (CCPA)
For users located in California, USA, My Credit Ally complies with the California Consumer Privacy Act (CCPA). Under this law, California residents have the right to access, delete, or request the information we have collected about them.
- Data Access and Deletion: California residents can request access to or deletion of their personal information, as specified in the CCPA. These rights can be exercised through our support channels, and we will respond within the time frame stipulated by the CCPA.
Children’s Privacy Protection Act (COPPA)
My Credit Ally does not knowingly collect personal information from children under the age of 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. We will take steps to delete such information from our systems.
Financial Privacy and Data Protection
As part of our commitment to helping users with their credit and financial health, we adhere to privacy and data protection guidelines established by financial regulatory authorities, including the Gramm-Leach-Bliley Act (GLBA). This ensures that all personal financial information provided to us is handled securely and confidentially.