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Protecting the Confidentiality of Nonpublic Personal Financial Information
MicroFinancial Inc. and its subsidiaries,
TimePayment Corp., take your privacy seriously. Please read the
following statement to learn more about our privacy policy. This Statement
discloses the information gathering and dissemination practices for each of
our businesses and our website. This policy applies to all consumers who
seek, and all customers who utilize our financial services primarily
for personal, family, or household purposes. This policy does not apply to
the practices of any companies other than MicroFinancial Inc. and its
subsidiaries.
Security
MicroFinancial protects the information that it maintains by employing industry
standard security procedures to minimize the risk that information will be subject
to unauthorized access, alteration, or destruction. For example, MicroFinancial
operates secure data networks protected by secured socket layers, a firewall and
password protection systems. In addition, MicroFinancial utilizes various physical
security measures, such as: cipher locks on all computer room doors and key card
access to all buildings. Only authorized MicroFinancial employees and the
representatives of authorized vendors who need that information to do
their jobs,
have access to the nonpublic personal financial information that MicroFinancial
maintains. In those cases, the information provided is strictly
limited and job specific.Collection
and Use of Information
MicroFinancial collects certain information from visitors to its websites. Examples
of such information include the total number of visitors, time of day, referring pages,
IP address, domain name, browser version and page flow throughout the visit. The
information is tracked and presented in aggregate numbers so that we can analyze how
and when the site is accessed. This guides us on how to improve navigation, content,
features and functions. MicroFinancial also collects nonpublic personal financial
information on contact forms, vendor applications and lease applications. This
information is collected and maintained for appropriate business reasons. For example,
it may be used to make an appropriate response or to make credit decisions. Examples
of the categories of nonpublic personally identifiable financial information that
MicroFinancial maintains concerning your transactions with MicroFinancial, information
contained on your application or on other forms submitted by you, and information
received from credit reporting agencies include:
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Social Security Numbers
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Gross income figures
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Information on checking accounts
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Credit and payment history
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Whether you own or rent your residence and the length of time that you have
resided at your current address
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The name of your employer, together with that employer’s telephone number
and the length of time that you have been employed with that employer
MicroFinancial may share your information with its affiliated companies as permitted
by applicable law.
Cookies
MicroFinancial may set and use cookies on your computer for a variety of
purposes, some of which are to make our site navigation quicker and more
convenient for you and to analyze page flow and usage. Enabling cookies
on your computer is required to use TimePayment Direct. This will allow
you to use the full range of features of the TimePayment Direct website.
These cookies are session specific and expire at the end of your session.
Sharing
of Information with Third Parties
MicroFinancial may disclose non-public personal information to
third parties in the following ways:
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To law enforcement officials, as permitted or required by law
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To credit reporting agencies to fulfill credit reporting requirements
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To third-party service providers who provide services to TimePayment (including
collecting TimePayment invoices)
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To auditors, for regular auditing or merger and acquisition purposes
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To Timepayment's financing sources for financing purposes, such as
asset-based financing transactions
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To potential buyers in connection with the sale, securitization, or
similar transaction involving one or more customer accounts
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To respond to subpoenas, court orders or legal process
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To investigate, prevent, or take action regarding illegal activities,
suspected fraud, situations involving potential threats to the physical
safety of a person, violations of Microfinancial's terms of use, or as
otherwise required by law.
We may transfer information about you if MicroFinancial or any of its subsidiaries is
acquired by or merged with another company. At this time, MicroFinancial does not sell
or disclose any of its consumers, customers’ or former customers’ nonpublic personal
information, to third parties for any reason, other than those described above.
Notification
of Changes to this Policy
MicroFinancial
reserves the right to amend, alter, or change this policy. In the event of such a change,
MicroFinancial will notify its customers and former customers of the changes as required
by law and post the revised policy on its website.
Authorization
and Consent to Use Information
By providing
information to MicroFinancial, you authorize and consent to
Microfinancial's use of such
information in accordance with this Privacy Statement.
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Corporate Headquarters: 10-M Commerce Way, Woburn, MA 01801 (781) 994-4800
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