The publisher (Microfinanceblog.com) recognizes that its visitors, users, and others who use www.microfinanceblog.com value their privacy. This “privacy notice” details important information regarding the use and disclosure of user information collected on this blog. The publisher provides this privacy notice to help you make an informed decision about whether to use or discontinue using the blog. This privacy notice is subject to the publisher’s terms of service. Your use of the blog and any personal information you provide on the blog remains subject to the terms of this privacy notice and terms of service.

Information the Publisher Collects

User-Provided Information: You provide certain personally identifiable information (such as your name and email address) to the firm when choosing to participate in various activities on the blog such as comments, downloading eBooks, feedback or subscribing to newsletter or mailing lists.
Cookies Information: When you visit the blog, the publisher may send one or more cookies – a small text file containing a string of alphanumeric characters – to your computer that uniquely identifies your browser. However, some features of the blog may not function properly if the ability to accept cookies is disabled.
Log File Information: When you use the blog, server automatically records certain information that your web browser sends whenever you visit any blog or website. These server logs may include information such as your web request, internet protocol (“IP”) address, browser type, browser language, referring / exit pages and urls, platform type, number of clicks, domain names, landing pages, pages viewed and the order of those pages, the amount of time spent on particular pages, the date and time of your request, and one or more cookies that may uniquely identify your browser.

Clear GIFs Information: When you use the blog, the publisher may employ “clear gif” (a.k.a. web beacons) which are used to track the online usage patterns of users anonymously in a non-personally-identifiable manner. In addition, the publisher may also use clear gif in html-based emails sent to users to track which emails are opened by recipients.

How the Publisher uses Information

If you submit personally identifiable information to the publisher through this blog, then the publisher uses your personal information to operate, maintain, and provide to you the features and functionality of the blog. The publisher do not use your email address or other personally identifiable information to send commercial or marketing messages without your consent or except as part of a specific program or feature for which you will have the ability to opt-in or opt-out. The publisher may however use your email address without further consent for non-marketing or administrative purposes such as notifying you of major blog changes or for customer service purposes.

Contact Information: Please contact the publisher with any questions or comments about this “Privacy Notice” using this email contact: publisher@microfinanceblog.com

Refund Policy

No refund shall be applicable after payment has been made, provided product or service is delivered successfully online.

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