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Last Updated 22 February 2022
1. Agreement to Terms
1.1 These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity (you), and Mycroshare LLC, located at 314 De Leon Ave, Fremont, CA United States (we, us), concerning your access to and use of the Mycroshare Mobile Application (App) (https://www.mycroshare.com/) , website as well as any related applications (the Site or App).
THESE TERMS AND CONDITIONS APPLY TO BOTH THE WEBSITE AND MOBILE APPLICATION, WHETHER STATED OR NOT. BOTH THE WEBSITE AND MOBILE APPLICATION MAY INCLUDE YOU ADDING FUNDS TO SHARE WITH OTHER USERS. IT IS YOUR FULL RESPONSIBILITY TO OBTAIN ANY FUNDS THAT WERE NOT RETURNED BY OTHER GROUP MEMBERS (USERS). MYCROSHARE IS NOT LIABLE FOR ANY LOSS DUE TO ANY USERS NOT RETURNING FUNDS. CHOOSE YOUR GROUP MEMBERS WISELY OR SET UP SECURITY DEPOSITS FROM OTHER USERS TO REDUCE ANY LOSSES, IF ANY.
MYCROSHARE IS SIMPLY A FACILITATOR BETWEEN GROUP MEMBERS AND DOES NOT SHARE IN THE RESPONSIBILITY OF GAINS OR LOSSES OF FUNDS BETWEEN USERS.
The Site and/or App provides the following services: It is an online application that presents financial services related to money sharing, crowdfunding, and fundraising (Services). You agree that by accessing the Site and/or Services, you have read, understood, and agree to be bound by all these Terms and Conditions.
If you do not agree with all of these Terms and Conditions, then you are prohibited from using the Site and Services and you must discontinue use immediately.
1.2 The supplemental policies set out in Section 1.7 below, as well as any supplemental terms and conditions or documents that may be posted on the Site from time to time, are expressly incorporated by reference.
1.3 We may make changes to these Terms and Conditions at any time. The updated version of these Terms and Conditions will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. You are responsible for reviewing these Terms and Conditions to stay informed of updates. Your continued use of the Site represents that you have accepted such changes.
1.4 We may update or change the Site from time to time to reflect changes to our products, our user’s needs, and/or our business priorities.
1.5 Our site is directed to people residing in the United States for financial transactions using payment processing, if payment processing is used within the App. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country.
1.6 The Site is intended for users who are at least 18 years old. If you are under the age of 18, you are not permitted to register for the Site or use the Services without parental permission.
1.7 Additional policies which also apply to your use of the Site include:
● Our Privacy Notice https://Mycroshare.com/PrivacyPolicy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using the Site, you consent to such processing and you warrant that all data provided by you is accurate.
2. Acceptable Use
2.1 You may not access or use the Site for any purpose other than that for which we make the site and our services available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
2.2 As a user of this Site, you agree not to:
● Systematically retrieve data or other content from the Site to a compiled database or directory without written permission from us.
● Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users to send unsolicited emails or creating user accounts under false pretenses.
● Use a buying agent or purchasing agent to make purchases on the Site.
● Use the Site to advertise or sell goods and services.
● Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any content or enforce limitations on the use.
● Engage in unauthorized framing of or linking to the Site.
● Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
● Make improper use of our support services, or submit false reports of abuse or misconduct.
● Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
● Interfere with, disrupt, or create an undue burden on the Site or the networks and services connected to the Site.
● Attempt to impersonate another user or person, or use the username of another user.
● Sell or otherwise transfer your profile.
● Use any information obtained from the Site in order to harass, abuse, or harm another person.
● Use the Site or our content as part of any effort to compete with us or to create a revenue-generating endeavor or commercial enterprise.
● Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site
● Attempt to access any portions of the Site that you are restricted from accessing.
● Harass, annoy, intimidate, or threaten any of our employees, agents, or other users.
● Delete the copyright or other proprietary rights notice from any of the content.
● Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
● Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material that interferes with any party’s uninterrupted use and enjoyment of the Site, or any material that acts as a passive or active information collection or transmission mechanism.
● Use, launch, or engage in any automated use of the system, such as using scripts to send comments or messages, robots, scrapers, offline readers, or similar data gathering and extraction tools.
● Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.
● Use the Site in a manner inconsistent with any applicable laws or regulations.
● Threaten users with negative feedback or offering services solely to give positive feedback to users.
● Misrepresent experience, skills, or information about a User.
● Advertise products or services not intended by us.
● Falsely imply a relationship with us or another company with whom you do not have a relationship.
3. Content you provide to us
3.1 There may be opportunities for you to post content to the Site or send feedback to us (User Content). You understand and agree that your User Content may be viewed by other users on the Site and that they may be able to see who has posted that User Content.
3.2 In posting User Content, including reviews or making contact with other users of the Site you shall comply with our Acceptable Use Policy.
3.3 You warrant that any User Content does comply with our Acceptable Use Policy, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of this warranty.
3.4 We have the right to remove any User Content you put on the Site if, in our opinion, such User Content does not comply with the Acceptable Use Policy.
3.5 We are not responsible and accept no liability for any User Content including any such content that contains incorrect information or is defamatory or loss of User Content. We accept no obligation to screen, edit or monitor any User Content but we reserve the right to remove, screen, and/or edit any User Content without notice and at any time. User Content has not been verified or approved by us and the views expressed by other users on the Site do not represent our views or values
3.6 If you wish to complain about User Content uploaded by other users please contact us at info@mycroshare.com.
4. Our content
4.1 Unless otherwise indicated, the Site and Services including source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (Our Content) are owned or licensed to us and are protected by copyright and trademark laws.
4.2 Except as expressly provided in these Terms and Conditions, no part of the Site, Services, or Our Content may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
4.3 Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and Our Content and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use.
4.4 You shall not (a) try to gain unauthorized access to the Site or any networks, servers, or computer systems connected to the Site; and/or (b) make for any purpose including error correction, any modifications, adaptions, additions or enhancements to the Site or Our Content, including the modification of the paper or digital copies you may have downloaded.
4.5 We shall (a) prepare the Site and Our Content with reasonable skill and care; and (b) use industry-standard virus detection software to try to block the uploading of content to the Site that contains viruses.
4.6 The content on the Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the content on the Site.
4.7 Although we make reasonable efforts to update the information on our site, we make no representations, warranties, or guarantees, whether expressed or implied, that Our Content on the Site is accurate, complete, or up to date.
5. Link to third party content
5.1 The Site may contain links to websites or applications operated by third parties. We do not have any influence or control over any such third-party websites or applications or the third-party operator. We are not responsible for and do not endorse any third-party websites or applications or their availability or content.
5.2 We accept no responsibility for adverts contained within the Site. If you agree to purchase goods and/or services from any third party who advertises on the Site, you do so at your own risk. The advertiser, and not us, is responsible for such goods and/or services and if you have any questions or complaints in relation to them, you should contact the advertiser.
6. Site Management
6.1 We reserve the right at our sole discretion, to (1) monitor the Site for breaches of these Terms and Conditions; (2) take appropriate legal action against anyone in breach of applicable laws or these Terms and Conditions; (3) refuse, restrict access to or availability of, or disable (to the extent technologically feasible) any of your Contributions; (4) remove from the Site or otherwise disable all files and content that are excessive in size or are in any way a burden to our systems; and (5) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site and Services.
6.2 We do not guarantee that the Site will be secure or free from bugs or viruses.
6.3 You are responsible for configuring your information technology, computer programs, and platform to access the Site and you should use your own virus protection software.
7. Modifications to and availability of the Site.
7.1 We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time
7.2 We cannot guarantee the Site and Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site or Services during any downtime or discontinuance of the Site or Services. We are not obliged to maintain and support the Site or Services or to supply any corrections, updates, or releases.
7.3 There may be information on the Site that contains typographical errors, inaccuracies, or omissions that may relate to the Services, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information at any time, without prior notice.
8. Disclaimer/Limitation of Liability
8.1 The Site and Services are provided on an as-is and as-available basis. You agree that your use of the Site and/or Services will be at your sole risk except as expressly set out in these Terms and Conditions. All warranties, terms, conditions, and undertakings, express or implied (including by statute, custom or usage, a course of dealing, or common law) in connection with the Site and Services and your use thereof including, without limitation, the implied warranties of satisfactory quality, fitness for a particular purpose and non-infringement are excluded to the fullest extent permitted by applicable law.
We make no warranties or representations about the accuracy or completeness of the Site’s content and are not liable for any (1) errors or omissions in content: (2) any unauthorized access to or use of our servers and/or any and all personal information and/or financial information stored on our server; (3) any interruption or cessation of transmission to or from the site or services; and/or (4) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the site by any third party. We will not be responsible for any delay or failure to comply with our obligations under these Terms and Conditions if such delay or failure is caused by an event beyond our reasonable control.
8.2 Our responsibility for loss or damage suffered by you:
Whether you are a consumer or a business user:
● We do not exclude or limit in any way our liability to you where it would be unlawful to do so.
●
We are not liable for unforeseen circumstances. The site is intended for use by users and
the users are taking full responsibility for all losses that may occur.
●
Agreeing to the terms and conditions excluded MycroShare LLC from loss of financial
investments or any financial losses.
●
If we fail to comply with these Terms and Conditions, we will attempt to resolve the
dispute in a timely manner. If we are not able to satisfy your complaint or our breach of the
terms, we will try to find other accommodations. The use of the site is the full responsibility
of the Users, you cannot hold us responsible for funds added into the site that was not
returned by other users.
●
We will attempt to resolve disputes between users but the final responsibility is on each
user.
user.
NOTE: PARTICIPATING IN ANY GROUP FOR CROWD SHARING OR ANY KIND
OF FUND EXCHANGING IS THE FULL RESPONSIBILITY OF THE USERS (YOU).
CHOOSE MEMBERS THAT YOU TRUST OR MEMBERS THAT YOU WILL
ACCEPT A LOSS FROM, IF ANY SHOULD OCCUR.
If you are a business user::
We will not be liable to you for any loss or damage, whether in contract, tort (including
negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in
connection with:
●
use of, or inability to use our Site/Services; or
●
use of or reliance on any content displayed on our Site.
In particular, we will not be liable for:
●
loss of profits, sales, business, or revenue; ●
business interruption; ●
loss of anticipated savings; ●
loss of business opportunity, goodwill, or reputation; or
●
any indirect or consequential loss or damage.
If you are a consumer user:
●
Please note that we only provide our Site for domestic and private use. You agree not to
use our Site for any commercial or business purposes, and we have no liability to you for
any loss of profit, loss of business, business interruption, or loss of business opportunity.
9. Term and Termination 9.1
These Terms and Conditions shall remain in full force and effect while you use the Site
or Services or are otherwise a user of the Site, as applicable. You may terminate your use
or participation at any time, for any reason, by following the instructions for terminating user
accounts in your account settings, if available, or by contacting us at
info@mycroshare.com
FULL DELETION OF YOUR ACCOUNT WILL TAKE PLACE AFTER ALL
INVESTIGATIONS HAVE COMMENCED OR ACCORDING TO STATE LAWS.
9.2
Without limiting any other provision of these Terms and Conditions, we reserve the right
to, in our sole discretion and without notice or liability, deny access to and use of the Site
and the Services (including blocking certain IP addresses), to any person for any reason
including without limitation for breach of any representation, warranty or covenant contained
in these Terms and Conditions or of any applicable law or regulation.
If we determine, in our sole discretion, that your use of the Site/Services is in breach of
these Terms and Conditions or of any applicable law or regulation, we may terminate your
use or participation in the Site and the Services or delete any content or information that
you posted at any time, without warning, in our sole discretion.
9.3
If we terminate or suspend your account for any reason set out in this Section 9, you are
prohibited from registering and creating a new account under your name, a fake or
borrowed name, or the name of any third party, even if you may be acting on behalf of the
third party. In addition to terminating or suspending your account, we reserve the right to
take appropriate legal action, including without limitation pursuing civil, criminal, and
injunctive redress.
10. Using the Mobile Application version of the (SITE) 10.1 If you access the Services via a mobile application, then we grant you a revocable,
non-exclusive, non-transferable, limited right to install and use the mobile application on
wireless electronic devices owned or controlled by you, and to access and use the mobile
application on such devices strictly in accordance with the terms and conditions of this
license.
10.2
You will not:
(a) reverse engineer, decompile or otherwise try to discover the source code of the
software/application unless you have first written to us requesting interoperability
information and we have failed to provide you with that information or if we have failed to
offer to provide you with interoperability information on reasonable conditions";
(b) make any modification, adaptation, improvement, enhancement, translation, or
derivative work from the application;
(c) breach any applicable laws, rules, or regulations in connection with your access or use
of the application;
(d) remove, alter or obscure any proprietary notice (including any notice of copyright or
trademark) posted by us or the licensors of the application;
(e) use the application for any revenue-generating endeavor, commercial enterprise, or
other purposes for which it is not designed or intended;
(f) make the application available over a network or other environment permitting access or
use by multiple devices or users at the same time;
(g) use the application for creating a product, service, or software that is, directly or
indirectly, competitive with or in any way a substitute for the application;
(h) use the application to send automated queries to any website or to send any unsolicited
commercial e-mail; or
(i) use any proprietary information or any of our interfaces or our other intellectual property
in the design, development, manufacture, licensing, or distribution of any applications,
accessories, or devices for use with the application.
10.3 The following terms apply when you use a mobile application obtained from either the
Apple Store or Google Play (each an App Distributor) to access the Services:
(a) The license granted to you for our mobile application is limited to a non-transferable
license to use the application on a device that utilizes the Apple iOS or Android operating
system, as applicable, and in accordance with the usage rules set forth in the applicable
App Distributor terms of service
(b) We are responsible for providing any maintenance and support services with respect to
the mobile application as specified in these Terms and Conditions or as otherwise required
under applicable law. You acknowledge that each App Distributor has no obligation
whatsoever to furnish any maintenance and support services with respect to the mobile
application;
(c) In the event of any failure of the mobile application to conform to any applicable
warranty, you may notify an App Distributor, and the App Distributor, in accordance with its
terms and policies, may refund the purchase price of downloading the app, if any, paid for
the mobile application, and to the maximum extent permitted by applicable law, an App
Distributor will have no other warranty obligation whatsoever with respect to the mobile
application;
(d) You represent and warrant that (i) you are not located in a country that is subject to a
U.S. government embargo, or that has been designated by the U.S. government as a
“terrorist supporting” country, and (ii) you are not listed on any U.S. government list of
prohibited or restricted parties;
(e) You must comply with applicable third-party terms of agreement when using the mobile
application, e.g., if you have a VoIP application, then you must not be in breach of their
wireless data service agreement when using the mobile application; and
(f) You acknowledge and agree that the App Distributors are third-party beneficiaries of
these Terms and Conditions and that each App Distributor will have the right (and will be
deemed to have accepted the right) to enforce these Terms and Conditions against you as a
third-party beneficiary thereof.
11. General 11.1
Visiting the Site or the mobile application version, sending us emails, and completing
online forms constitute electronic communications. You consent to receive electronic
communications and you agree that all agreements, notices, disclosures, and other
communications we provide to you electronically, via email, and on the Site, satisfy any
legal requirement that such communication is in writing.
You hereby agree to the use of electronic signatures, contracts, orders, and other records
and to electronic delivery of notices, policies, and records of transactions initiated or
completed by us or via the Site. You hereby waive any rights or requirements under any
statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an
original signature or delivery or retention of non-electronic records, or to payments or the
granting of credits by other than electronic means.
11.2
These Terms and Conditions and any policies or operating rules posted by us on the
Site or in respect to the Services constitute the entire agreement and understanding
between you and us.
11.3
Our failure to exercise or enforce any right or provision of these Terms and Conditions
shall not operate as a waiver of such right or provision.
11.4
We may assign any or all of our rights and obligations to others at any time
11.5
We shall not be responsible or liable for any loss, damage, delay, or failure to act
caused by any cause beyond our reasonable control.
11.6
If any provision or part of a provision of these Terms and Conditions is unlawful, void,
or unenforceable, that provision or part of the provision is deemed severable from these
Terms and Conditions and does not affect the validity and enforceability of any remaining
provisions.
11.7
There is no joint venture, partnership, employment, or agency relationship created
between you and us as a result of these Terms and Conditions or use of the Site or
Services.
11.8 For consumers - Please note that these Terms and Conditions, their subject matter,
and their formation, are governed by United States laws. We will continue to update our
content to comply with State and Federal laws when presented to us. We are not liable for
any unforeseen or omissions. Please send inquiries to us so that we may comply by all laws
to info@mycroshare.com, subject: Terms and Conditions Error/Correction.
11.9
In order to resolve a complaint regarding the Services or to receive further information
regarding the use of the Services, please contact us by email at info@mycroshare.com or
by post to: Mycroshare LLC 314 De Leon Ave, Fremont CA, United States
Last Updated 22 February 2022
Thank you for choosing to be part of our community at Mycroshare LLC, doing business as Mycroshare ("Mycroshare", "we", "us", "our"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice or our practices with regards to your personal information, please contact us at info@mycroshare.com.
When you visit our website https://www.mycroshare.com/ (the "Website"), use our mobile application, as the case may be (the "App") and more generally, use any of our services (the "Services", which include the Website and App), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Services immediately.
This privacy notice applies to all information collected through our Services (which, as described above, includes our Website and App), as well as, any related services, sales, marketing, or events.
Please read this privacy notice carefully as it will help you understand what we do with the information that we collect.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE USE YOUR INFORMATION?
3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
5. HOW DO WE HANDLE YOUR SOCIAL LOGINS?
6. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?
7. HOW LONG DO WE KEEP YOUR INFORMATION?
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
9. DO WE COLLECT INFORMATION FROM MINORS?
10. WHAT ARE YOUR PRIVACY RIGHTS?
11. CONTROLS FOR DO-NOT-TRACK FEATURES
12. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
13. DO WE MAKE UPDATES TO THIS NOTICE?
14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
15. HOW CAN YOU REVIEW, UPDATE OR DELETE THE DATA WE COLLECT FROM YOU?
1. WHAT INFORMATION DO WE COLLECT?
Personal information you
disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and services when you participate in activities on the Services (such as by posting messages in our online forums or entering competitions, contests or giveaways) or otherwise when you contact us.
The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:
Personal Information Provided by You.We collect names; phone numbers; email addresses; mailing addresses; passwords; usernames; job titles; contact preferences; billing addresses; social security; governmental identification including driver license, passport, state ID, and any other government-issued identification; debit/credit card numbers; and other similar information.
Social Media Login Data. We may provide you with the option to register with us using your existing social media account details, like your Facebook, Twitter or other social media account. If you choose to register in this way, we will collect the Information described in the section called "HOW DO WE HANDLE YOUR SOCIAL LOGINS" below.
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information. If you wish to change any personal information, a ticket must be submitted to Mycroshare which includes proof of identification and proper documents included.
Information collected
through our App
In Short: We collect information regarding your geo-location, mobile device, push notifications when you use our App.
If you use our App, we also collect the following information:
This information is primarily needed to maintain the security and operation of our App, for troubleshooting, and for our internal analytics and reporting purposes.
Information collected
from other sources
In Short: We may collect limited data from public databases, marketing partners, social media platforms, and other outside sources.
In order to enhance our ability to provide relevant marketing, offers, and services to you and update our records, we may obtain information about you from other sources, such as public databases, joint marketing partners, affiliate programs, data providers, social media platforms, as well as from other third parties. This information includes mailing addresses, job titles, email addresses, phone numbers, intent data (or user behavior data), Internet Protocol (IP) addresses, social media profiles, social media URLs, and custom profiles, for purposes of targeted advertising and event promotion. If you interact with us on a social media platform using your social media account (e.g. Facebook or Twitter), we receive personal information about you such as your name, email address, and gender. Any personal information that we collect from your social media account depends on your social media account's privacy settings.
2. HOW DO WE USE YOUR INFORMATION?
In Short: We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.
We use personal information collected via our Services for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.
We use the information we collect or receive:
● For other business purposes. We may use your information for other business purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and evaluating and improving our Services, products, marketing, and your experience. We may use and store this information in aggregated and anonymized form so that it is not associated with individual end-users and does not include personal information. We will not use identifiable personal information without your consent.
3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
In Short:We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.
We may process or share your data that we hold based on the following legal basis:
● Consent: We may process your data if you have given us specific consent to use your personal information for a specific purpose.
● Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.
● Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.
● Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal processes, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).
● Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
More specifically, we may need to process your data or share your personal information in the following situations:
● Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
● Business Partners. We may share your information with our business partners to offer you certain products, services, or promotions.
● Other Users. When you share personal information (for example, by posting comments, contributions, or other content to the Services) or otherwise interact with public areas of the Services, such personal information may be viewed by all users and may be publicly made available outside the Services in perpetuity. If you interact with other users of our Services and register for our Services through a social network (such as Facebook), your contacts on the social network will see your name, profile photo, and descriptions of your activity. Similarly, other users will be able to view descriptions of your activity, communicate with you within our Services, and view your profile.
● Offer Wall. Our App may display a third-party hosted "offer wall." Such an offer wall allows third-party advertisers to offer virtual currency, gifts, or other items to users in return for the acceptance and completion of an advertisement offer. Such an offer wall may appear in our App and be displayed to you based on certain data, such as your geographic area or demographic information. When you click on an offer wall, you will be brought to an external website belonging to other persons and will leave our App. A unique identifier, such as your user ID, will be shared with the offer wall provider in order to prevent fraud and properly credit your account with the relevant reward. Please note that we do not control third-party websites and have no responsibility in relation to the content of such websites. The inclusion of a link towards a third-party website does not imply an endorsement by us of such websites. Accordingly, we do not make any warranty regarding such third-party websites and we will not be liable for any loss or damage caused by the use of such websites. In addition, when you access any third-party website, please understand that your rights while accessing and using those websites will be governed by the privacy notice and terms of service relating to the use of those websites.
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
In Short: We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
5. HOW DO WE HANDLE YOUR SOCIAL LOG-INS?
In Short: If you choose to register or log in to our services using a social media account, we may have access to certain information about you.
Our Services offer you the ability to register and log in using your third-party social media account details (like your Facebook or Twitter logins). Where you choose to do this, we will receive certain profile information about you from your social media provider. The profile Information we receive may vary depending on the social media provider concerned, but will often include your name, email address, friends list, profile picture as well as other information you choose to make public on such social media platforms.
We will use the information we receive only for the purposes that are described in this privacy notice or that are otherwise made clear to you on the relevant Services. Please note that we do not control, and are not responsible for, other uses of your personal information by your third-party social media provider. We recommend that you review their privacy notice to understand how they collect, use and share your personal information, and how you can set your privacy preferences on their sites and apps.
6. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES? WEBSITES?
In Short: We are not responsible for the safety of any information that you share with third-party providers who advertise, but are not affiliated with, our Website.
The Services may contain advertisements from third parties that are not affiliated with us and which may link to other websites, online services, or mobile applications. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Services. You should review the policies of such third parties and contact them directly to respond to your questions.
7. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us to keep your personal information for longer than eighty-four (84) months, or whatever is required by the law, past the termination of the user's account.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, the transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
9. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18 years of age
We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at info@mycroshare.com.
10. WHAT ARE YOUR PRIVACY RIGHTS?
In Short:You may review, change, or terminate your account at any time.
We hold the right to review, change, or terminate your account if we feel the privacy or security of other users or our company, is at risk. If we see any unusual activity, we may suspend your account until a full investigation has taken place. In some circumstances, we may suspend your account for legal matters pertaining to unethical or unlawful activities..
If you have questions or comments about your privacy rights, you may email us at info@mycroshare.com info@mycroshare.comWe are not responsible for responses that are not fully completed or sent correctly to MycroShare.
If you would at any time like to review or change the information in your account or terminate your account, you can:
● Log into your account settings and update your user account.
Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use, and/or comply with applicable legal requirements.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. To opt-out of interest-based advertising by advertisers on our Services visit http://www.aboutads.info/choices/.
Opting out of email marketing: You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the details provided below. You will then be removed from the marketing email list — however, we may still communicate with you, for example, to send you service-related emails that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes. To otherwise opt-out, you may:
● Note your preferences when you register an account with the site.
11. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.
12. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
If you are under 18 years of age, reside in California, and have a registered account with a Service, you have the right to request the removal of unwanted data that you publicly post on the Services. To request the removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g. backups, etc.).
CCPA Privacy Notice
The California Code of Regulations defines a "resident" as:
(1) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose
(2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose
All other individuals are defined as "non-residents."
If this definition of "resident" applies to you, we must adhere to certain rights and obligations regarding your personal information.
What categories of personal information do we collect?
We may collect the following categories of personal information. These might be collections obtained in the past twelve (12) months:
|
A. Identifiers |
Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name. |
YES |
|
B. Personal information categories listed in the California Customer Records statute |
Name, contact information, education, employment, employment history, and financial information |
YES |
|
C. Protected classification characteristics under California or federal law |
Gender and date of birth *Date of Birth or Origin may be obtained for user verification purposes only, not to sell to third parties. |
NO |
|
E. Biometric information |
Fingerprints and voiceprints |
NO |
|
F. Internet or other similar network activity |
Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements |
NO
|
|
G. Geolocation data |
Device location |
YES |
|
H. Audio, electronic, visual, thermal, olfactory, or similar information |
Images* and audio, video, or call recordings created in connection with our business activities. *Selfies or Identification (ID) images may be obtained for user verification purposes only. |
NO |
|
I. Professional or employment-rel ated information |
Business contact details in order to provide you our services at a business level, job title as well as work history and professional qualifications if you apply for a job with us |
NO |
|
J. Education Information |
Student records and directory information |
NO |
|
K. Inferences drawn from other personal information |
Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics |
NO |
We may also collect other personal information outside of these categories instances where you interact with us in-person, online, or by phone or mail in the context of:
● Receiving help through our customer support channels;
● Participation in customer surveys or contests; and
● Facilitation in the delivery of our Services and responding to your inquiries.
How do we use and share your personal information?
More information about our data collection and sharing practices can be found in this privacy notice.
You may contact us by email at info@mycroshare.com, or by referring to the contact details at the bottom of this document.
If you are using an authorized agent to exercise your right to opt out we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf.
We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be the "selling" of your personal data.
Mycroshare LLC has not disclosed or sold any personal information to third parties for a business or commercial purpose in the preceding 12 months. Mycroshare LLC will not sell personal information in the future belonging to website visitors, users, and other consumers. Your rights with respect to your personal data
Right to request deletion of the data - Request to delete
You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation or any processing that may be required to protect against illegal activities.
Right to be informed - Request to know
Depending on the circumstances, you have a right to know:
● whether we collect and use your personal information;
● the categories of personal information that we collect;
● the purposes for which the collected personal information is used;
● whether we sell your personal information to third parties;
● the categories of personal information that we sold or disclosed for a business purpose;
● the categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
● the business or commercial purpose for collecting or selling personal information.
In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
We will not discriminate against you if you exercise your privacy rights.
Verification process
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with the information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g. phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.
We will only use the personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. If, however, we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity, and for security or fraud prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.
Other privacy rights
● you may object to the processing of your personal data
● you may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the data
● you can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.
● you may request to opt-out from future selling of your personal information to third parties. Upon receiving a request to opt-out, we will act upon the request as soon as feasibly possible, but no later than 15 days from the date of the request submission.
To exercise these rights, you can contact us by email at info@mycroshare.com, or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.
13. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at info@mycroshare.com or by post to:
Mycroshare LLC
314 De Leon Ave,
Fremont, CA , MI 48128
United States
15. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by clicking here.We will respond to your request within 30 days.
You may request, up to twice in a 12-month period, the following information about the personal information we have collected about you during the past 12 months: other categories and specific pieces of personal information we have collected about you; other categories of sources from which we collected the personal information; other business or commercial purpose for which we collected the personal information; other categories of third parties with whom we shared the personal information; and other categories of personal information about you that we disclosed for a business purpose, and the categories of third parties to whom we disclosed that information for a business purpose.
● Exercising the right to delete. You may request that we delete the personal information we have collected from you, subject to certain limitations under applicable law.
● Exercising the right to opt-out from a sale. You may request to opt-out of any “sale” of your personal information that may take place.
● Non-discrimination. The CCPA provides that you may not be discriminated against for exercising these rights.
To submit a request to exercise any of the rights described above, you may contact Mycroshare either via email to info@mycroshare.com or contact us via postal mail, proper postage prepaid, at:
Mycroshare, Attn: Your California Privacy Rights
314 De Leon Avenue, Fremont, CA 94539.
Please indicate your preference as to how you would like us to respond to your request (i.e., email or postal mail).
All requests sent via postal mail must be labeled “Your California Privacy Rights” on the envelope or postcard and clearly stated on the actual request. For all requests, please include your name, street address (if you would like a response via postal mail), city, state, and zip code. We may need to verify your identity before responding to your requests, such as verifying that the email address or contact information from which you send the request matches your email address or contact information that we have on file. Authentication based on a government-issued and valid identification document may be required. We will not accept requests via telephone or fax. We are not responsible for notices that are not labeled or sent properly or do not have complete information.
At Mycroshare, we help you connect with friends
and family that align with your financial needs.
Whether it's to save for that vacation, or to pay off
student loans, creating groups with members that
share your financial goals allows you and your group to reach those goals.
Pay off credit cards
School Supplies
Medical Emergencies
Vacation
MycroSharing groups are made for smaller groups such as friends and family. These groups are usually smaller in size with smaller financial goals and in shorter terms.
These goals can be for monthly expenses, school supplies, electronics, and other smaller purchases or debts.
This is a good place to start at MycroShare to reach those smaller goals and build your MycroShare Score, improve your reviews and ratings, and increase your experience using the MycroShare app. All these play a major role in future groups and goal amounts.
CrowdSharing groups are made for public groups such as small organizations, businesses, and institutions. These groups are usually larger in size with higher financial goals and are longer in terms.
These goals can be used to pay off large debts such as mortgages, auto loans, student loans, and group trips. You can even start CrowdSharing groups with coworkers to save for retirement where company options are not available. This is a good place to start groups after you’ve established a good MycroShare Score, increased your ratings and reviews, and have at least one year of using MycroSharing groups.
Fundraising groups are made for individuals or organizations that need help meeting their financial goals. These groups can be community service projects, religious institutions, humanitarian needs, or even for those in need of financial assistance in tough times.
This is a good place to post your fundraising campaign and attract those that share your views or concerns. Fundraising groups can be created after you’ve established a strong MycroShare score, have good ratings and reviews, and have at least one year of MycroSharing group experience.
We use Know-Your-Customer (KYC) software to ensure those using Mycroshare are authentic and verified. We help build your MycroShare credit score and help you choose members that align with your expectations. We report non-payments to Credit Bureaus to ensure a safe environment.
We use cryptocurrency Digital Wallets that are tied to the US Penny. You will create your own digital wallet to store your funds. These wallets use Cryptocurrency to secure funds. Use your wallet to save or pay off debts.
We use our own messaging platform to ensure privacy. We store data so that you can retrieve conversation between your group members. We also do not sell or share your information.
Our internal store will have avatars and prizes. We want to reward those that pay on time and build their scores with monthly prizes and free in-store items.
Whether you have a question about the app features or anything else, our team is ready to answer your questions
Hi! We’re MycroShare and we’re here to help you achieve your financial goals!
Hi! We’re MycroShare and we’re here to help you achieve your financial goals!
MycroShare started with an idea, to help those in need gain financial freedom. During the start of the 2020 COVID, we were struggling to pay off our debts. As we saw friends and family get assistance from relatives, we decided to find a way to take the concept of sharing to others through a mobile application.
MycroShare is based on an ancient concept of sharing within communities when banks did not exist. With current banks charging interest and fees, people need alternatives to get out of debt to pay off.
We don't believe in the traditional banking systems, and how it is primarily based on interest, and want to change this, one community at a time.
Our goal is to grow across the US and other parts of the world to build communities from all backgrounds that share a common interest; helping one another achieve financial freedom, interest-free!
Join us in changing the world, financially!
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Do you run a credit check?
No, MycroShare was created to serve those looking for alternatives to the traditional banking systems. It is a place to build your own MycroShare credit and ratings. We do report to the credit bureaus if there is a non-payment to ensure users pay on time and adhere to their group contracts.What are the requirements to start a CrowdFunding or FundRaising group?
You must have at least one year of use within the MycroShare app. This includes the time you first started or participated in a group(s) until the last time you participated in a group(s). You must also have a positive rating of 4 or higher and no outstanding balances to any groups.Do payments get reported to the Credit Bureaus, does my credit score get affected?
No, we do not report payments made to the bureaus, we only report if payments are not made. Your credit score with the credit bureaus will only be affected if you do not make a payment and we report the non-payment to the bureaus.Do you share my information?
We do not share or sell your information. We only use your information for the purpose of creating a secure platform for users. We do not use or share your information with third parties unless otherwise required by law.What happens if someone doesn’t pay within a group?
When all parties in a group sign a contract to pay accordingly, each user is obligated to pay as agreed upon. If a member of a group does not pay their portion, the team members must decide whether to pay on that person’s behalf or change the terms of the agreement. The group members will have the option to submit a claim to MycroShare so that we can attempt to retrieve payment or report to the credit bureaus.Will MycroShare pay on behalf of a user that missed or stopped payments?
No, MycroShare is a platform to allow users to collaborate in an effort to create trusted groups that manage their own financial goals. If a member does not pay, the remaining members must either use deposits left in the group or change the payment structure to cover the lost amount. MycroShare will attempt to recover payments but cannot guarantee member payments.Does MycroShare give loans?
MycroShare is a platform to help users create their own financial goals and meet those goals. Instead of borrowing from a traditional bank, members will use the funds from other group members as a loan that will be paid back according to their group contract, until the group cycle is complete.Does MycroShare collect interest from users?
This app was created to help YOU reach your financial goals. Since MycroShare does not charge or collect interest on the funds being transferred, we will collect fees upon withdrawal to cover transaction and operation costs. MycroShare has operational costs that can be covered by ads, donations or benefits from banks/investors.How can I donate to MycroShare?
Since this platform is intended to be free, we require assistance covering operational costs. You can donate to MycroShare through the ‘MycroShare FundRaising’ group. This group is made to help us continue to offer assistance to others and improve our mobile application. Your support is very much appreciated!Can I add or remove members from a group or change the fund amount?
Once all the team members have agreed on the amount and group size, a contract is signed and the payment cycles begin according to the contract. After this time, members can decide to stop a group to change members, add members, change the fund goals or monthly amounts. All members must agree before changes are made by the group admin.Can I leave a group or join another group?
In order to leave a group, you must not have any outstanding balance and the group members must all agree. In most cases, a replacement must be added to continue the same financial goal set or monthly amount. Alterations to the group contract must be approved by all members. In order to join another group, you will need to ask permission from the group admin. The group admin must get approval from all members of their group.Why was developed?
MycroShare started during the COVID-19 pandemic when families were hit hard financially. With friends and family losing their jobsand income, we wanted to find a way to help people get through these times. The idea started during a lockdown in California. Unable to return to work, the idea was born. MycroShare was built with the help of friends that shared the same vision to help others achieve or meet their financial needs. Our goal is to help friends and families live fuller lives with the help of others. We hope to create communities of like-minded people that share our vision.