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Privacy Policy

Last Updated: May 1, 2024

Rocky Mountain MicroFinance Institute (RMMFI) values its users’ privacy. This Privacy Policy (Policy) will help you understand how we collect and use personal information from those who visit our Website (as defined in the Terms and Conditions) or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to ensure those affiliated with RMMFI of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards. This Policy is incorporated into the Terms and Conditions as if set forth fully therein.

We reserve the right to make changes to this Policy at any given time. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If at any point in time, RMMFI decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.
This Policy applies to RMMFI, and it governs any and all data collection and usage by us. Through the use of https://rmmfi.org/privacy-policy, you are therefore consenting to the data collection procedures expressed in this Policy.

Please note that this Policy does not govern the collection and use of information by companies that RMMFI does not control, nor by individuals not employed nor managed by us. This specifically includes any donations you might make while on the RMMFI Website because RMMFI accepts donations on its Website that are processed through ColoradoGives365 and its website https://www.coloradogives.org. Therefore, any donation that you make on our Website is also subject to the terms of use of ColoradoGives365’s website and the terms of its third-party service providers which can be found here: https://www.coloradogives.org/terms. Specifically, ColradoGives365 uses Plaid for payment processing and therefore, the information you provide when donating through our Website is also subject to Plaid’s privacy policy which can be found here: https://plaid.com/legal/#end-user-privacy-policy. If you visit any other website that we mention or link to, be sure to review its privacy policy before providing the site with information. RMMFI is not responsible for and disclaims all liability related to the content contained on any third-party website, terms of use, and/or any applicable privacy policy related to such third-party website. If you apply for a loan, you will receive an additional privacy policy that is applicable to your loan application.

This Policy will inform you of the following:

  1. What personally identifiable information is collected from you through our Website;
  2. Why we collect personally identifiable information and the legal basis for such collection;
  3. How we use the collected information and with whom it may be shared;
  4. What choices are available to you regarding the use of your data; and
  5. The security procedures in place to protect the misuse of your information.

1. Information We Collect

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This Website collects various types of information, such as:
  • Voluntarily provided information which may include your name, address, email address, billing and/or credit card information, etc. which may be used when you donate to RMMFI.
  • Information automatically collected when visiting our Website, which may include cookies, third-party tracking technologies, and server logs.
In addition, RMMFI may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race, and religion, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service.
RMMFI may also deem it necessary, from time to time, to follow Websites that our users may frequent to gleam what types of services and Programs may be the most useful to our entrepreneurs, donors, or the general public.
Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, donation forms, and emails. This site intends to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for on this Policy.

2. Why We Collect Information and For How Long

We are collecting your data for several reasons:
  • To better understand your needs and provide you with the programs and services you have requested;
  • To raise funds for RMMFI, its programs, and entrepreneurs;
  • To fulfill our legitimate interest in improving our services;
  • To send you promotional emails containing information we think you may like when we have your consent to do so;
  • To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;
  • To customize our Website according to your online behavior and personal preferences.
The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.

3. Use of Information Collected

RMMFI does not now, nor will it in the future, sell, rent, or lease any of its customer lists and/or names to any third parties.
RMMFI may collect and may make use of personal information to assist in the operation of our Website and to ensure delivery of the information you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible services or fundraising campaigns that may interest or be available to you.
RMMFI may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.
RMMFI may find it beneficial to all our stakeholders to share specific data with our trusted partners to conduct statistical analysis, provide you with email and/or postal mail, deliver support, and/or arrange for deliveries to be made. Those third parties shall be strictly prohibited from making use of your personal information, other than to deliver those services that you requested, and as such they are required, per this agreement, to maintain the strictest confidentiality with regards to all your information.
RMMFI uses various third-party social media features including but not limited to and other interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within RMMFI’s control.

4. Disclosure of Information

RMMFI may not use or disclose the information provided by you except under the following circumstances:
  • As necessary to provide services you have requested, including accepting your donations;
  • In other ways described in this Policy or to which you have otherwise consented;
  • In the aggregate with other information in such a way that your identity cannot reasonably be determined;
  • As required by law, or in response to a subpoena or search warrant;
  • To outside auditors who have agreed to keep the information confidential;
  • As necessary to enforce the Terms and Conditions;
  • As necessary to maintain, safeguard, and preserve all the rights and property of RMMFI.

5. Non-Marketing Purposes

RMMFI greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in RMMFI products and services). In certain circumstances, we may use our Website, newspapers, or other public means to post a notice.

6. Children Under the Age of 13

RMMFI’s Website is not directed to, and does not knowingly collect personal identifiable information from, children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system’s database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this Website.

7. Unsubscribe or Opt-Out

All users and visitors to our Website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our Website please send an email that you wish to unsubscribe to info@rmmfi.org. If you wish to unsubscribe or opt out from any third-party Websites, you must go to that specific Website to unsubscribe or opt out. RMMFI will continue to adhere to this Policy for any personal information previously collected.

8. Notice to European Union Users

RMMFI’s operations are located in the State of Colorado in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.

9. Security

RMMFI takes precautions to protect your information. When you submit sensitive information via the Website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. credit card information), that information is encrypted and securely transmitted to us. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of the webpage.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, fundraising) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure, or modification of the user’s personal information under our control.

10. Acceptance of Terms

By using this Website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy. If you are not in agreement with these terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our Website following the posting of any updates or changes to our Terms and Conditions or this Policy shall mean that you agree and accept such changes.

11. How to Contact Us

If you have any questions or concerns regarding the Privacy Policy related to our Website, please feel free to contact us. You also have the right to access, delete, or correct personal data that may be collected or retained by RMMFI and you can do so by contacting us using the following contact information:

Email: info@rmmfi.org
Telephone Number: 720-941-5037
Mailing Address: Rocky Mountain MicroFinance Institute 1209 W. 10th Avenue Denver, CO 80204

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