1. Important notice regarding our business model
Monetalio acts exclusively as a marketing and lead generator. We do not act as a lender, we do not make credit decisions, and we do not financially pre-qualify you for any programs. Our Services are designed to filter and match users with network partners and debt relief agencies that may negotiate or manage debt without Monetalio lending money.
We may change this Privacy Policy from time to time. If we make material changes, we may provide additional notice through the Services or other appropriate channels.
2. Collection of information
Information you provide to us
We collect information directly from you when you request customer support, use our matching Services or otherwise communicate with us.
- Identification information: basic contact data such as your name, email address and phone number.
- Debt & assessment information: estimated debt, primary debt type, state of residence, payment status and financial-hardship information you choose to provide.
- Communication information: information included in your communications with us.
- Other information: other information you choose to provide.
Information we collect automatically
- Transactional information: dates and records related to assessment submissions and interactions with our Services.
- Internet activity information: device, network and browser information, IP address, pages viewed, links clicked, access times and referring pages.
- Cookies and similar technologies: where enabled, these technologies may be used to support functionality, security, analytics or communications. See our Cookie Policy for the current website implementation.
Derived information
We may derive information or draw inferences from information we collect, including approximate location from an IP address or a match between submitted debt information and provider criteria.
3. Use of information
We may use information for the following business and commercial purposes:
- Service delivery: to provide and maintain the Services, filter submitted debt information and match users with debt relief agencies or other relevant network partners.
- Communication: to respond to complaints, claims and inquiries and to send transactional or relationship messages.
- Marketing and advertising: to send direct marketing messages where permitted. You can opt out by using the instructions in those communications or by contacting us.
- Analytics: to monitor Website trends, usage and activities, improve the Website and generate de-identified data.
- Protection and compliance: to detect and help prevent fraud, security incidents and other malicious or illegal activity and to comply with legal obligations.
4. Disclosure of information
We may disclose information as described below:
- Debt relief partners: to network debt relief agencies, settlement companies and related service providers so they can contact you and evaluate whether a program may be available.
- Vendors: to service providers, contractors and consultants that need information to perform services for us, such as hosting, fraud prevention, customer service, data enrichment, analytics, marketing or advertising.
- Professional advisors: to lawyers and other advisors where necessary to protect and manage our business interests.
- Legal authorities: when required or permitted by applicable law or legal process, or to protect rights, property and safety.
- Corporate transactions: in connection with financing, merger, acquisition or sale of all or part of our business or assets.
- Affiliates: among current or future parents, affiliates, subsidiaries and companies under common control or ownership.
- Consent: when you direct us to do so or otherwise consent.
We may also disclose de-identified information that cannot reasonably be used to identify you.
5. Individuals in Europe
This section supplements this Privacy Policy if you are in the European Economic Area, the United Kingdom or Switzerland. KOVA DYNAMICS, S.L. acts as the data controller for information collected under this Privacy Policy.
Depending on the processing activity, we may rely on performance of a contract or pre-contractual steps, legitimate interests, legal obligations or your consent. Where consent is the basis, you may withdraw it at any time.
You may have the right to access, correct or delete your information, object to certain processing or request restriction of certain processing. To exercise rights, contact info@digitaldatacontrol.com.
If we cannot resolve your concern, you may have the right to lodge a complaint with the relevant data protection authority in the EEA, UK or Switzerland.
6. Data retention
We store information for as long as necessary to carry out the purposes for which we originally collected it and for the other business purposes described in this Privacy Policy.
7. Contact us
If you have questions about this Privacy Policy or want to exercise a privacy right, contact info@digitaldatacontrol.com. You can also write to us at Felip María Garín 4, 1B, 2, 46021 Valencia, Spain.