These Terms of Services (“Terms”) are a binding contract between you and MICC Financial Inc. (referred to as “Miq,” “we,” us,” or “our”) to your access and use of our Miq Platform and Services. We have prepared these terms to describe to you our practices regarding the user terms and conditions for the use of our website and platforms at getmiq.io, web-based application, and our Mobile App (collectively the “Platform”).
Miq is a technology platform that enables cooperatives and community organizations to embed financial services, reward programs, and collaborative administrative functionality as a licensed product.
By accessing or using our Services, you acknowledge using the Miq Services only as outlined in these Terms for the facilitation, organization, and support of social payments and collaborative or community-based financial activities.
Access to Accounts, Services, and Platform
You agree and warrant to us that:
User Conduct and Interaction
Miq is a collaborative, community platform.
As a specific condition of your use of any of the Services and Platform, you explicitly agree not to:
All rights, title, and interest (including all copyrights, trademarks, and other intellectual property rights) in the Services and any materials provided, contained in, or made available for use in connection with the Services, Product, and Platform belong to Miq.
Further, all names, designs, graphics, data, images, pictures, logos, and icons on the Services and the Materials are proprietary information or proprietary marks of Miq or the original creator of the material.
You are hereby granted a personal, non-exclusive, non-transferable, limited license to use the Services in accordance with these Terms. You are not allowed to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information obtained directly from the Services (including the Materials).
Further, you may not reproduce any part of the Services (including the Materials), and any such violation with respect to the Services will terminate the license(s) granted herein.
What Information Do We Collect?
Information is collected through your interactions and use of our Services, Platforms, and interactions with partners. This information is used to provide our services to you. Miq collects your name, date of birth, email, residential address, telephone number, government ID information, social insurance number, occupation, employer, and banking account.
We ask you for your personal information for the following purposes:
If you create an account, you agree that we may verify your name, address, phone number, and other account details with information about you held by a third party or publicly available sources (such as identity verification providers, fraud prevention services, government registries, and your mobile service provider) to verify your identity and help protect against potential fraud. You provide your consent for them to disclose and/or compare your information for this purpose. Your personal information will not be shared with these third parties for any other purpose.
Access to your user account, your personal information, and the MIQ platform is protected with a password you select. We strongly recommend that you do not disclose your password to anyone. We will never ask you for your password in any unsolicited communication (such as letters, phone calls, or email messages).
Termination of Account
Notwithstanding anything contained in these Terms, we reserve the right, without notice and in our sole discretion, to terminate your right to access or use the Services and Platform at any time and for any or no reason, and you acknowledge and agree that we shall have no liability or obligation to you in such event and that you will not be entitled to a refund of any amounts that you have already paid to us, to the fullest extent permitted by applicable law.
We may collect personally-identifiable information when you specifically and knowingly provide it to us, for example, when you access the Services and Platform. Without information about you, we may not be able to provide you with the Services or the support you request.
Website Use and Technologies:
When you use the Services, Miq, third parties on our behalf may collect non-personally identifiable information via the use of pixels, programs, cookies, and other similar technologies.
What Do We Do With The Information That We Collect?
Miq will use the personally-identifiable information directly submitted by you and your User Content solely for the purpose for which you have provided it, such as processing transactions (including related communications); providing notices (notifications), updates, security alerts, and support; providing third-party access to your User Content as provided for on the Services or as needed to complete any Services.
If you create an account, you agree that we may verify your name, address, phone number, and other account details with information about you held by a third party or publicly available sources (such as identity verification providers, fraud prevention services, government registries and your mobile service provider) in order to verify your identity and help protect against potential fraud, such as when someone other than you is trying to use your account or conduct a transaction without your permission, and you provide your consent for them to disclose and/or compare your information for this purpose. Your personal information will not be shared with these third parties for any other purpose.
Third parties to whom we disclose information
Miq does not sell, rent or lease its customer lists to third parties. We may disclose personal information we collect online to the following categories of third parties:
Content and Information that you provide as a User
ANY OPINIONS EXPRESSED IN ANY SUCH USER-SUBMITTED CONTENT ARE SOLELY THOSE OF THE USERS THAT SUBMITTED THE CONTENT AND DO NOT NECESSARILY REFLECT THE OPINIONS, POLICY, OR POSITION OF MIQ.
USERS ASSUME ALL RISKS ASSOCIATED WITH SUCH CONTENT, INCLUDING, BUT NOT LIMITED TO, ANY THIRD PARTY’S RELIANCE ON ITS QUALITY, ACCURACY, OR RELIABILITY, OR ANY DISCLOSURE OF INFORMATION IN YOUR USER CONTENT THAT MAKES YOU OR OTHERS PERSONALLY IDENTIFIABLE.
YOU HEREBY AGREE THAT MIQ HAS NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR ANY SUCH ACTIVITIES. YOU ALSO AGREE AND UNDERSTAND THAT YOUR USER CONTENT IS NOT SPONSORED OR ENDORSED BY MIQ, AND YOU WILL NOT IMPLY THAT YOUR USER CONTENT IS IN ANY WAY SPONSORED OR ENDORSED BY MIQ.
Security of your Personal Information
Your safety and privacy are of utmost priority to us and therefore we have enabled various tools and technologies for the reactive and proactive protection of your information. It is also essential for us to have your partnership in building a strong and effective defense against potential fraud, money laundering, and associated criminal activities. Some (but not necessarily all) of the steps you can take to protect yourself include:
You at any time have the right to withdraw consent to our collection, use, and disclosure of personal information, subject to contractual and legal restrictions and reasonable notice. If you withdraw your consent, certain functionality of the Site may not be available to you, and we may not be able to provide you with certain Services.
Legal age of Use
Our Site is not directed to children under the age of eighteen (18), and we do not knowingly collect information from children under the age of eighteen (18) on our Site. If we become aware that we have inadvertently received information from a visitor under the age of sixteen on our Site, we will delete the information from our records.