Who We Are and What This Policy Covers
This web site, Late Payment Interest.com, is operated by C. Sonsteby, an individual based in Norway who is the controller of information.
This Privacy Policy applies to information that we collect about you when you use our website.
Throughout this Privacy Policy we'll refer to this website as the "Services".
Below we explain how we collect, use, and share information about you, along with the choices that you have with respect to that information.
Creative Commons Sharealike License
This privacy policy is based on the Privacy Policy open-sourced by Automattic, the team behind Wordpress under a Creative Commons Sharealike license. Their privacy policy document is available on GitHub.
Information We Collect
We only collect information about you if we have a reason to do so — for example, to provide our Services, to analyse use of the Services, to serve ads to users of the Services (to pay for the costs of operating this free resource), or to make our Services better.
We collect this information from three sources: if and when you provide information to us (rarely), automatically through operating our Services, and from outside sources. Let's go over the information that we collect.
Information You Provide to Us
- Communications with us: If you contact us, we will receive your contact information (name and email address at least).
We do not allow for logging in or leaving your credentials on the site.
Information We Collect Automatically
We also collect some information automatically:
- Log information: Like most online service providers, we collect information that web browsers, mobile devices, and servers typically make available, including the browser type, IP address, unique device identifiers, language preference, referring site, the date and time of access, operating system, and mobile network information. We collect log information when you use our Services.
- Location information: We may determine the approximate location of your device from your IP address. We collect and use this information to, for example, calculate how many people visit our Services from certain geographic regions.
- Information from cookies & other technologies: A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. We use cookies and other technologies to help us identify and track visitors, usage, and access preferences for our Services and to deliver targeted ads. For more information about our use of cookies and other technologies for tracking, including how you can control the use of cookies, please see our Cookie Policy below.
How and Why We Use Information
Purposes for Using Information
We use information about you for the purposes listed below:
- To ensure quality, maintain safety, and improve our Services. For example, by monitoring and analyzing how users interact with our Services so we can create new features that we think our users will enjoy and that will help them create and manage websites more efficiently or make our Services easier to use.
- To place and manage ads in our advertising program. For example, to place ads on the Services, and understand ad performance.
- To protect our Services and the public. For example, by detecting security incidents.
- To fix problems with our Services. For example, by monitoring, debugging, repairing, and preventing issues.
- To customize the user experience. For example, to personalize your experience by serving you relevant notifications and advertisements for our Services.
Legal Bases for Collecting and Using Information
A note here for those in the European Union or the European Economic Area about our legal grounds for processing information about you under EU/EEA data protection laws, which is that our use of your information is based on the grounds that:
(1) The use is necessary for compliance with a legal obligation; or
(2) The use is necessary in order to protect your vital interests or those of another person; or
(3) We have a legitimate interest in using your information — for example, to provide and update our Services; to improve our Services so that we can offer you an even better user experience; to safeguard our Services; to communicate with you; to measure, gauge, and improve the effectiveness of our advertising; and to understand our user retention and attrition; to monitor and prevent any problems with our Services; and to personalize your experience; or
(4) You have given us your consent — for example before we place certain cookies on your device and access and analyze them later on, as described in our Cookie Policy below.
Sharing Information
How We Share Information
We share information about you in limited circumstances, and with appropriate safeguards on your privacy. These are spelled out below.
- Third-party vendors: We may share information about you with third-party vendors who need the information in order to provide their services to us, or to provide their services to you or your site. This includes those that help us understand and enhance our Services (like analytics providers); those that make tools to help us run our operations (like programs that help us with task management, scheduling, word processing, email and other communications); and other third-party tools that help us manage operations.
- Legal and regulatory requirements: We may disclose information about you in response to a subpoena, court order, or other governmental request.
- To protect rights, property, and others: We may disclose information about you when we believe in good faith that disclosure is reasonably necessary to protect the property or rights of the web site operator, third parties, or the public at large.
- Business transfers: In connection with any merger, sale of company assets, or acquisition of all or a portion of our business by another company, or in the unlikely event that we go out of business or enter bankruptcy, user information would likely be one of the assets that is transferred or acquired by a third party. If any of these events were to happen, this Privacy Policy would continue to apply to your information and the party receiving your information may continue to use your information, but only consistent with this Privacy Policy.
- With your consent: We may share and disclose information with your consent or at your direction. For example, we may share your information with third parties when you authorize us to do so.
- Aggregated or de-identified information: We may share information that has been aggregated or de-identified, so that it can no longer reasonably be used to identify you. For instance, we may publish aggregate statistics about the use of our Services.
How Long We Keep Information
We generally discard information about you when it's no longer needed for the purposes for which we collect and use it — described in the section above on How and Why We Use Information — and we're not legally required to keep it.
For example, we keep web server logs that record information about a visitor to the Services/website, like the visitor's IP address, browser type, and operating system, for approximately 60 days. We retain the logs for this period of time in order to, among other things, analyze traffic to the Services and investigate issues if something goes wrong on one of our websites.
Security
While no online service is 100% secure, we work very hard to protect information about you against unauthorized access, use, alteration, or destruction, and take reasonable measures to do so. We monitor our Services for potential vulnerabilities and attacks.
Choices
You have several choices available when it comes to information about you:
- Limit the information that you provide: You can choose not to provide any information to us.
- Set your browser to reject cookies: You can usually choose to set your browser to remove or reject browser cookies before using the Services, with the drawback that certain features may not function properly without the aid of cookies.
Your Rights
If you are located in certain parts of the world, including some US states and countries that fall under the scope of the European General Data Protection Regulation (aka the "GDPR"), you may have certain rights regarding your personal information, like the right to request access to or deletion of your data.
European General Data Protection Regulation (GDPR)
If you are located in a country that falls under the scope of the GDPR, data protection laws give you certain rights with respect to your personal data, subject to any exemptions provided by the law, including the rights to:
- Request access to your personal data;
- Request correction or deletion of your personal data;
- Object to our use and processing of your personal data;
- Request that we limit our use and processing of your personal data; and
- Request portability of your personal data.
You also have the right to make a complaint to a government supervisory authority.
US Privacy Laws
Laws in some US states require us to provide residents with additional information about the categories of personal information we collect and share, where we get that personal information, and how and why we use it. You'll find that information in this section (if you are a California resident, please note that this is the Notice at Collection we are required to provide you under California law).
In the last 12 months, we collected the following categories of personal information, depending on the Services used:
- Identifiers (like device and online identifiers);
- Internet or other electronic network activity information (such as your usage of our Services);
- Geolocation data (such as your location based on your IP address);
- Inferences we make (such as likelihood of retention or attrition).
We collect personal information for the business and commercial purposes described above. We share this information with the categories of third parties described above. We retain this information for the length of time described in abvoe.
In some US states you have additional rights subject to any exemptions provided by your state's respective law, including the right to:
- Request a copy of the specific pieces of information we collect about you and, if you're in California, to know the categories of personal information we collect, the categories of business or commercial purpose for collecting and using it, the categories of sources from which the information came, and the categories or list of third parties we share it with;
- Request deletion of personal information we collect or maintain;
- Request correction of personal information we collect or maintain;
- Opt out of the sale or sharing of personal information;
- Receive a copy of your information in a readily portable format; and
- Not receive discriminatory treatment for exercising your rights.
Right to Opt Out
We never directly sell your personal information in the conventional sense (i.e., for money).
We may share your information as necessary with our third-party service providers to provide our services to you. To the extent that we share your information with certain advertising, marketing, or analytics vendors, this can be considered a "sale" or "share" in certain U.S. States, which you may have the right to opt out of.
Our opt-out is managed through cookies, so if you delete cookies, your browser is set to delete cookies automatically after a certain length of time, or if you visit sites in a different browser, you'll need to make this selection again.
We do not collect or process your sensitive (and potentially sensitive) personal information. We don't knowingly sell or share personal information of those under 16.
Your Information & Personalized Advertising
We may show ads on the Services. We use cookies to share certain device identifiers and information about your browsing activities with our advertising partners (Google Adsense), and those advertising partners may use that information to show you personalized ads on the Services.
The personal information we share includes online identifiers; internet or other network or device activity (such as cookie information, other device identifiers, and IP address); and geolocation data (approximate location information from your IP address). These disclosures may be considered a "sale" or "share" of information under some US state privacy laws. We do not sell (or share) information through our ads program that identifies you personally, like your name or contact information.
Contacting Us About These Rights
When you contact us about one of your rights under this section, we'll need to verify that you are the right person before we disclose or delete anything.
Appeals Process for Rights Requests Denials
In some circumstances we may deny your request to exercise one of these rights. For example, if we cannot verify that you are a specific person we may deny access to personal information associated with such person. As another example, if we are legally required to maintain a copy of your personal information we may deny your request to delete your personal information.
In the event that we deny your request, we will communicate this fact to you in writing. You may appeal our decision by responding in writing to our denial email and stating that you would like to appeal. All appeals will be reviewed. In the event that your appeal is also denied this information will be communicated to you in writing.
If your appeal is denied, in some US states you may refer the denied appeal to the state attorney general if you believe the denial is in conflict with your legal rights. The process for how to do this will be communicated to you in writing at the same time we send you our decision about your appeal.
How to Reach Us
If you have a question about this Privacy Policy, or you would like to contact us about any of the rights mentioned above, please contact us via email at contact@latepaymentinterest.com.
Other Things You Should Know (Keep Reading!)
Transferring Information
Because the Services are offered worldwide, the information about you that we process when you use the Services in the EU may be used, stored, and/or accessed by individuals operating outside the European Economic Area (EEA) like third-party data processors. This is required for the purposes listed above.
When providing information about you to entities outside the EEA, we will take appropriate measures to ensure that the recipient protects your personal information adequately in accordance with this Privacy Policy as required by applicable law. These measures include entering into European Commission approved standard contractual arrangements with entities based in countries outside the EEA.
You can ask us for more information about the steps we take to protect your personal information when transferring it from the EU/EEA.
Ads and Analytics Services Provided by Others
Ads appearing on any of our Services may be delivered by advertising networks. Other parties may also provide analytics services via our Services. These ad networks and analytics providers may set tracking technologies (like cookies) to collect information about your use of our Services and across other websites and online services. These technologies allow these third parties to recognize your device to compile information about you or others who use your device. This information allows us and other companies to, among other things, analyze and track usage, determine the popularity of certain content, and deliver ads that may be more targeted to your interests. Please note this Privacy Policy only covers the collection of information by us and does not cover the collection of information by any third-party advertisers or analytics providers.
Privacy Policy Changes
Although most changes are likely to be minor, we may change this Privacy Policy from time to time. We encourage visitors to frequently check this page for any changes to the Privacy Policy. Your further use of the Services after a change to our Privacy Policy will be subject to the updated policy.
Cookie Policy
This policy specifically explains how we, our partners, and users of our services deploy cookies, as well as the options you have to control them.
What are cookies?
Cookies are small pieces of data, stored in text files, that are stored on your computer or other device when websites are loaded in a browser. They are widely used to "remember" you and your preferences, either for a single visit (through a "session cookie") or for multiple repeat visits (using a "persistent cookie"). They ensure a consistent and efficient experience for visitors, and perform essential functions such as allowing users to register and remain logged in. Cookies may be set by the site that you are visiting (known as "first party cookies"), or by third parties, such as those who serve content or provide advertising or analytics services on the website ("third party cookies"). Both websites and HTML emails may also contain other tracking technologies such as "web beacons" or "pixels." These are typically small transparent images that provide us with statistics, for similar purposes as cookies. They are often used in conjunction with cookies, though they are not stored on your computer in the same way. As a result, if you disable cookies, web beacons may still load, but their functionality will be restricted.
How we use cookies
We use cookies for a number of different purposes. Some cookies are necessary for technical reasons; some allow the display of advertising from selected third party networks. Some of these cookies may be set when a page is loaded.
Types of Cookie
The table below explains the types of cookies we use on our websites and why we use them.
| Category of cookies | Why we use these cookies |
|---|---|
| Analytics and Performance | These cookies allow us to optimize performance by collecting information on how users interact with our websites, including which pages are visited most, as well as other analytical data. We use these details to improve how the Services function and to understand how users interact with them. |
| Advertising | These cookies are set by us and our advertising partners to provide you with relevant content and to understand that content’s effectiveness. They may be used to collect information about your online activities over time and across different websites to predict your preferences and to display more relevant advertisements to you. These cookies also allow a profile to be built about you and your interests and enable personalized ads to be shown to you based on your profile. |
Advertisements from Third Parties
To be able to offer free access to the Services, we may show ads served by Google AdSense. As part of the operation of our ads program, we use cookies to collect certain information. Advertising cookies enable us and our partners to serve ads and to personalize those ads based on information like visits to our sites and other sites on the Internet. Your choices to control cookies related to our ads program are described below.
Controlling Cookies
Visitors may wish to restrict the use of cookies or completely prevent them from being set. Most browsers provide for ways to control cookie behavior such as the length of time they are stored – either through built-in functionality or by utilizing third party plugins. If you disable cookies, please be aware that some of the features of our service may not function correctly. To find out more on how to manage and delete cookies, visit aboutcookies.org. For more details on your choices regarding use of your web browsing activity for interest-based advertising visit youronlinechoices.eu (EU based) or optout.aboutads.info (US based).
On a mobile device, you may also be able to adjust your settings to limit tracking.
Some analytics services we use, which place their own cookies or web tags on your browser, offer their own opt out choices. For example, you can opt out of Google Analytics by installing Google’s opt-out browser add-on.
Consent for Advertising Cookies on Our Sites
You may see a “cookie banner” on our websites and dashboards. If you are visiting one of our Services from the EU/EEA, then we do not set, or allow our ad partners to set, cookies that are used to show you targeted ads before you click to accept. When you consent in this manner, we and our advertising partners may set advertising cookies on the site you are visiting. We’ll display the banner to you periodically, just in case you change your mind.
Contact Us
If you have any questions about our use of cookies, you can find the most relevant contact details above on this page.