MILLENNIALS WITH MONEY

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Privacy Policy

Welcome to Millennials With Money and our website at www.millennialswithmoney.com. You are about to read more about which Personal Data we collect from you via our website and shop, what we use it for, when we delete it and how your data is protected. In addition, we will inform you of the respective legal basis that allows us to process your data. Further, we will also tell you about your rights in connection with the processing of your data.

What is Personal Data?

Personal Data is information that makes it possible to identify a natural person. This includes in particular, your name, date of birth, address, telephone number, e-mail address, but also your IP address. Anonymous data exists if no personal reference to the user can be made.

What is Processing?

“Processing” means and covers virtually any handling of data.

What law applies?

We will only use your Personal Data in accordance with the applicable data protection laws, in particular Estonia`s Personal Data Protection Act (“PDPA”) and the EU’s General Data Protection Regulation (“GDPR”), and of course only as described in this Privacy Policy.

Who is responsible for data processing?

The responsible party within the meaning of the PDPA and the GDPR is Millennials With Money OÜ of Tornimäe 3, 10145 Tallinn, Estonia (“Millennials With Money”, “we”, “us”, or “our”).

If you have any questions about this policy or our data protection practices, please contact us using our Contact Form.

Data collection

All Personal Data that we obtain from you will only be processed for the purposes described in more detail below. In particular, we collect Personal Data only if:

  • you have given your consent;
  • the data is necessary for the fulfillment of a contract / pre-contractual measures;
  • the data is necessary for the fulfillment of a legal obligation; or
  • the data is necessary to protect the legitimate interests of our company and business.

We process and store your Personal Data only for the period of time required to achieve the respective processing purpose or for as long as a legal retention period exists (in particular commercial and tax law in accordance with Estonia`s Commercial Law and Fiscal Code and others for up to 8 years. Once the purpose has been achieved or the retention period has expired, the corresponding data is routinely deleted.

Data transfers

In certain cases, it is necessary to transmit the processed Personal Data in the course of data processing. In this respect, there are different recipient bodies and categories of recipients.

a) Internal

If necessary, we transfer your Personal Data within Millennials With Money. Of course, we comply with the associated legal framework and ensure that your data is processed properly. Access to your Personal Data is only granted to authorized employees who need access to the data due to their job, e.g., to fulfill your order or to contact you in case of queries.

b) External bodies

Personal Data is transferred to our service providers in the following instances:

  • in the context of fulfilling your orders, shipping and delivery,
  • to use marketing services and to advertise our social media channels and merchandise online,
  • to communicate with you,
  • to provide our website and shop, and
  • to state authorities and institutions as far as this is required or necessary.

We usually do not transfer Personal Data to countries outside Estonia or the EEA. However, if we do, we ensure that processing of your Personal Data is governed by Processing Agreements that include Standard Contractual Clauses to ensure a high level of data protection.

Links to other websites

Please note that if you use a link from our website to a third-party website, that third-party may also set new cookies that are not covered by this policy. In such cases, we recommend that you read the cookie policy on the third-party website itself.

Security of your data

In order to protect the data stored with us in the best possible way against accidental or intentional manipulation, loss, destruction or access by unauthorized persons, we use appropriate technical and organizational security measures. The security levels are continuously reviewed in cooperation with security experts and adapted to new security standards.

Nevertheless, internet-based data transmissions can always have security gaps, so that absolute protection cannot be guaranteed. And databases or data sets that include Personal Data may be breached inadvertently or through wrongful intrusion. Upon becoming aware of a data breach, we will notify all affected individuals whose Personal Data may have been compromised as expeditiously as possible after which the breach was discovered.

Your Rights and Privileges

a) Privacy rights

Under the PDPA and GDPR, you can exercise the following rights:

  • The right to access;
  • The right to rectification;
  • The right to erasure;
  • The right to restrict processing;
  • The right to object to processing;
  • The right to data portability;

b) Updating your information

If you believe that the information we hold about you is inaccurate or request its rectification, deletion, or object to its processing, please do so by contacting us.

c) Withdrawing your consent

You can withdraw consents you have given at any time by contacting us.

d) Access Request

In the event you want to make a Data Subject Access Request, please contact us. We will respond to requests regarding access and correction as soon as reasonably possible. Should we not be able to respond to your request within thirty (30) days, we will tell you why and when we will be able to respond to your request. If we are unable to provide you with any Personal Data or to make a correction requested by you, we will tell you why.

e) Complaint to a supervisory authority

You have the right to complain about our processing of Personal Data to a supervisory authority responsible for data protection. The supervisory authority in Estonia is: Data Protection Inspectorate,

Tatari 39, Tallinn 10134, Estonia, www.aki.ee. However, we would appreciate the opportunity to address your concerns before you contact the Data Protection Inspectorate or any other supervisory authority.

Processing of your Personal Data

a) Log files

As mentioned above, we want to provide you with an optimal user experience in our online shop and with our advertisements, which is tailored to your individual needs. To this end, we work together with various service providers and technology providers and use cookies and tracking methods.

The following data is collected anonymously for the purpose of demand-oriented design and optimization of this website:

  • Information on the device used (e.g., operating system, browser, screen resolution, language set.
  • Information on pages viewed during the website visit (e.g., category or product detail pages)
  • Information within the ordering process (e.g., order number, delivery and payment method, shipping and/or billing address)
  • Information on access data (e.g., entry via email newsletters, other websites or online advertising measures).

The scope of the stored and processed data is limited purely to the performance of statistical evaluations. Your IP address is made unrecognizable immediately after receipt, which means that it is not possible to assign usage profiles to IP addresses.

The collection of the data is necessary from a technical point of view in order to continuously optimize the functions as well as the presentation of our website on different devices, operating systems and browsers and to be able to make our offer more interesting for you as a user and is therefore based on the legitimate interest.

b) Cookies

As described in our Cookie Policy, we only use so-called essential Cookies. As set out in Estonia`s Electronic Communications Act (“ECA”) and the EU`s Privacy and Electronic Communications Directive (“PECD”), we don’t need to obtain consent when we don’t use them, and this is why we don’t need one of these annoying cookie pop ups. For further information on the cookies we use, please refer to our Cookie Policy.

c) Hosting of our website

We use the hosting services of Hostgator.com (Newfold Digital Inc), for the purpose of hosting and displaying our website. Hostgator does so on the basis of processing on our behalf, and that also means that all data collected on our website is processed on netcup’s servers.The basis for processing is our legitimate interest, and the initiation and/or fulfillment of a contract.

d) Content Management System

We also use the Content Management System (CMS) of WordPress by Automattic Inc to publish and maintain the created and edited content and texts on our website. This means that all content and texts submitted to our website are transferred to WordPress. The legal basis for this processing is our legitimate interest.

e) Fonts

We integrate Google Fonts by Google LLC, and Font Awesome of Fonticons Inc.To enable the display of fonts, a connection to Google’s and Font Awesome’s server is established when our website is accessed. This enables Google, and Fonticons to determine which website sent the request and to which IP address the display of the font is to be transmitted. The integration is based on our legitimate interest.

f) Contact options

We process and store the Personal Data provided in the contact enquiry solely for the purpose of processing and responding to your enquiry and contacting you. If you contact us, we will process the data you provide to respond to you and answer your questions and requests. In doing so, the principle of data economy and data avoidance is observed in that you only have to provide the data that we absolutely need from you in order to contact you. These are usually your first and last name, your email address, the topic selection and the message field itself. In addition, your IP address is processed out of technical necessity and for legal protection. The legal basis for processing is our legitimate interest, the provision or initiation of a contractual service and your consent.

g) Our offers and your rewards

If you are interested in the offers of our Affiliate Partners, you will be redirected to the relevant Affiliate Partner’s website. Being redirected requires your i) IP address; and ii) other technical data related to your access to be disclosed, which is subject to the relevant Affiliate Partner’s and we have no influence over the relevant Affiliate Partner’s privacy practices.The legal basis for processing is our legitimate interest, the provision or initiation of a contractual service and your consent.

h) Shopping with us

We process your first name, last name, e-mail address, billing and shipping address for the delivery of your order and the data related to your contract with us to handle the contractual relationship. The legal basis for processing is the provision or initiation of a contractual service.

i) WooCommerce

To provide our ecommerce system, we use the WooCommerce service developed and operated by Automattic, Inc. WooCommerce provides us with their online e-commerce platform through which we can offer our merchandise for sale to you. Both your contract data and your usage data are stored on WooCommerce’s servers. The legal basis for processing is the provision or initiation of a contractual service.

j) Economic analyses and market research

For business reasons, we analyze the data we have on web and server traffic patterns, website interactions, browsing behavior etc. The analyses serve us alone and are not disclosed externally and processed using anonymous analyses with summarized and or anonymized values. For this purpose we use Google Analytics and Rank Math provided by One.Com India Private Limited. The legal basis is our legitimate interest and your consent. For further information on our use of Google Analytics and Rank Math, please refer to our Cookie Policy.

Social Media

a) General

We are present on social media on the basis of our legitimate interest. If you contact or connect with us via social media, we and the relevant social media platform are jointly responsible for the processing of your data and enter into a so-called joint controller agreement. The Personal Data collected when contacting us is to handle your request and the bases are both your consent and our legitimate interest.

b) Market research and advertising

In addition, your data may be processed for market research and advertising purposes. For example, usage profiles can be created from your usage behavior and the resulting interests. This allows, for example, advertisements to be placed within and outside the platforms that presumably correspond to your interests. The legal basis is our legitimate interest.

c) When you visit our profiles and interact with us and others

When you visit our social media profiles, we, as the operator of the profile, process your actions and interactions with our profile (e.g., the content of your messages, enquiries, posts or comments that you send to us or leave on our profile or when you like or share our posts) as well as your publicly viewable profile data (e.g., your name and profile picture). Which Personal Data from your profile is publicly viewable depends on your profile settings, which you can adjust yourself in the settings of your social media account. The legal basis is our legitimate interest and your consent.

Marketing

a) General

Insofar as you have given us your separate consent to process your data for marketing and advertising purposes, we are entitled to contact you for these purposes via the communication channels you have given your consent to.

You may give us your consent in a number of ways including by selecting a box on a form where we seek your permission to send you marketing information, or sometimes your consent is implied from your interactions or contractual relationship with us. Where your consent is implied, it is on the basis that you would have a reasonable expectation of receiving a marketing communication based on your interactions or contractual relationship with us.

Direct Marketing generally takes the form of email or our newsletter using the services of Mailchimp by Intuit Inc but may also include other less traditional or emerging channels. These forms of contact will be managed by us, or by our contracted service providers. Every directly addressed marketing sent or made by us or on our behalf will include a means by which you may unsubscribe or opt out.

b) Affiliate Marketing

We also participate in Affiliate Programs. Affiliate programs are designed to provide a means for website owners to earn advertising fees by advertising and linking. As such our website may contain affiliate marketing links, which means we may get paid commission on sales of those products or services we write about. You will never be charged a fee through one of our affiliate links, however you may get a discounted rate of the relevant affiliate’s goods or services and we will make a small commission. Our editorial content is not influenced by advertisers or affiliate partnerships.

Changes

We are constantly developing and improving our website – and as a result, some of the information in this Privacy Policy is likely to change. We therefore recommend that you read this Privacy Policy again from time to time so that you are informed about the current status.

Validity and questions

This Privacy Policy was last updated on Saturday, 18th of November, 2023, and is the current and valid version. However, we want to point out that from time to time due to actual or legal changes a revision to this policy may be necessary.

If you have any questions about this policy or our data protection practices, please contact us using our Contact Form.