How Information is Collected and Types Collected

General Overview: Upon accessing the Site, Makeup Artistry, Inc. collects and receives information based on your activities on the site. The type of information and how it is acquired depends on your interactions with the site.

Categories of Information Collected:

  1. Personally-Identifiable Information:
    • Real name, alias, unique personal identifier, online identifier, address, email, phone number, or signature.
    • Used for providing information, decision-making on applications, servicing accounts, or contacting you.
  2. Sensitive Personally-Identifiable Information:
    • Social Security number, account log-in, government-issued identification, and financial information.
    • Utilized for decisions on applications, identity verification, loan payment collection, account servicing, or loan disbursement.
  3. Education, Employment, Financial, and Professional Information:
    • Includes credit card numbers.
    • Utilized for application decisions and identity verification.
  4. Commercial Information, Geolocation Data, and Online Activity:
    • Used to create a profile reflecting preferences, behavior, and characteristics.
    • Tailored for personalized product or service recommendations.

Collection Methods:

  • Information is collected when provided by users (e.g., requests, surveys).
  • Business partners and service providers may contribute information.
  • Personally-identifiable, sensitive personally-identifiable, and non-personally-identifiable data may be obtained from third parties.

Automated Information Collection:

Tracking Technologies: When using the App, Makeup Artistry, Inc. employs technologies to automatically collect:

  • Usage Details: Access and usage details, including traffic data.
  • Device Information: Information about your mobile device, including unique identifier, IP address, operating system, browser type, and more.
  • Stored Information and Files: Access to metadata and information associated with files on your device.

Third-Party Tracking: Third parties, like loan servicers and device manufacturers, may use tracking technologies for information collection about your online activities.

Common Tracking Technologies:

  • Cookies: Small text files distinguishing visitors.
  • Web Beacons: Small code blocks aiding in traffic assessment and engagement measurement.

Opt-Out Options: Users may opt-out of online behavioral advertising to reduce irrelevant ads. Opting out won’t stop ad reception but may affect relevance.

Use of Collected Information:

Optimization of Online Experience: Information is used to enhance online experiences, verify identity, recommend products, process transactions, and analyze site quality and performance.

Data Usage in Aggregate: Data may be used on an aggregate or anonymous basis for auditing, security, research, and various legitimate business purposes.

Sharing of Collected Information:

Service Providers and Business Partners: Personally-identifiable and sensitive personally-identifiable information may be shared with service providers and business partners to fulfill transactions and provide services.

Legal Compliance and Protection: Information may be shared in response to legal actions, governmental requests, fraud prevention, protection of rights, or as permitted or required by law.

Online Security Measures:

SSL Technology: Secure Socket Layer (SSL) is employed to secure information during transmission.

User Responsibility: Users play a role in security maintenance, using updated anti-virus software, and being cautious of electronic communications requesting sensitive information.

Third-Party Site Considerations: Information shared on Third-Party Sites may not be governed by Makeup Artistry, Inc.’s Privacy Policy. Users are advised to review Third-Party Site policies.

Data Retention:

Period of Retention: Personal information is retained as long as necessary for intended purposes, regulatory compliance, fraud prevention, or legal obligations.

Mobile Application Account Deletion: Users can delete mobile application accounts. Legal obligations may mandate retention for loan servicing or regulatory compliance.

Children’s Privacy: The Site is intended for users aged 13 and above. Makeup Artistry, Inc. does not knowingly collect or retain personal information from those under 13.

International Users: Non-U.S. users acknowledge and agree to the transfer of their information to the United States by providing information on the Site.

Changes to Privacy Policy: Makeup Artistry, Inc. reserves the right to make changes to the Privacy Policy at any time. Users are responsible for reviewing updates, with modifications becoming effective immediately upon posting.