Privacy Policy

This Privacy Policy governs the manner in which collects, uses, maintains, and discloses information collected from users (each, a “User” or “you”) that you provide to us when you access the website, or engage with us on social media, as well as your own rights to the information we collect. This privacy policy applies to the website (also “site”) and all products and services offered by The Michelle Marki brand on this website and our social media account pages connects and interacts with consumers and brands across areas of investing, personal finance, and credit services.

Personal identification information

This website collects personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our website, subscribe to the newsletter, and in connection with other activities, services, features or resources we make available on our website. Users may be asked for, as appropriate, name, email address, telephone, or demographic information. We will collect personal identification information from Users only if they voluntarily submit such information to us. You are under no obligation to provide personally identification information, except that your refusal may prevent you from accessing or engaging in certain site-related activities. We may access personal information from social networking sites and apps, including YouTube, Instagram, Twitter, Facebook, or other social networking sites or apps not named specifically here, which may include your name, your social network username, profile picture, location, email address, phone number, age, gender, and any other public information. If you do not want us to access this information, please go to the specific social networking site and change your privacy settings.

Please read this Privacy Policy carefully. We reserve the right, in our sole and absolute discretion, to revise, amend, modify or revoke this Privacy Policy at any time and in any manner. Any changes will reflect a “last updated” date and become effective immediately upon publication on our website, and you waive specific notice of any changes to the Policy by continuing to use and access our site(s). We encourage you to review this Privacy Policy periodically when you use our website for any purpose or engage with us on social media to become aware of any modifications. You acknowledge and agree to any changes to any revised Privacy Policy by your continued use of our website after the revised Privacy Policy is posted.

You will have an opportunity to unsubscribe from any future communications via email, but we reserve the right to maintain a database of past email subscribers. We reserve the right to use this information as reasonably necessary in our business and as provided by law. Your information will be shared with reasonably necessary parties for the ordinary course of conducting our business, such as through ads or other marketing campaigns. 

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our website. Non-personal identification information may include the browser name, computer or phone devices, and technical information about Users’ means of connection to our website, such as the operating system, the internet service providers utilized, the dates and times that you access our website, and the specific pages you view, country of origin, and other similar information.

Web browser cookies

This website uses “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the website may not function properly.

How we use collected information collects and uses your information to allow us to offer you certain products and services, including the use of our website, to fulfill our obligations to you, to customize your interaction with our company and our website, and to allow us to suggest other products and services we think might interest you. We may store your data and transmit it to a third party for processing. However, to the extent we process your data, we do so to serve our legitimate business interests.

Specifically, we collect and use Users’ personal information for the following purposes:

  • Analyze trends to improve our website and offerings and by requesting your feedback;
  • Interact with you via social media;
  • Deliver any products or services purchased by you to you;
  • Send periodic emails such as newsletters and to respond to your inquiries, and/or other requests or questions. Unsubscribe at anytime;
  • Deliver targeted advertising;
  • Notify you of updates to our product and service offerings;
  • Compile anonymous statistical data for our own use;
  • Assist law enforcement as necessary;
  • Prevent fraudulent activity on our website or social media accounts;
  • Contact you about new offerings that we think you will be interested in.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our website.

Sharing your personal information

We do not sell, trade, or rent Users’ personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates, and advertisers for the purposes outlined above. We may use third party service providers such as hosting services to help us operate our business and the site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission. When you post online on our website or our social media account pages, your posts may be viewed by others, and we may distribute your comments outside our website or social media pages.

Third party websites

We may share your data with third party processors in certain situations and as needed to serve our legitimate business interests, which include administration of our website, communicating with you, identifying trends, protecting the security of our company and website, delivering our goods and services, and marketing additional goods and services to you. The legal basis for our disclosure of your data is both your Consent to this Privacy Policy and our own right to protect and promote our legitimate business interests. We may use your information to protect our company, including to investigate and remedy any violations of our rights or policies.

Users may find advertising or other content on our website that link (or hyperlink) to the sites and services of our partners, suppliers, licensors, affiliates, advertisers, sponsors, and other third parties. Although we use reasonable care in including a hyperlink on our own web page, we do not regularly monitor the websites of these third parties, are not responsible for any damage or consequences you suffer by using these links. We do not control the content or links that appear on these sites and are not responsible for the practices employed by sites linked to or from our website. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. We encourage you to read the Terms and Policies of those third party websites before interacting with them or making purchases. They may collect different information and by different methods than we do.

We may share your data as required by law or to respond to legal process, including a subpoena, or as necessary to protect the rights, property, and safety of others. This includes sharing information with other parties to prevent or address fraud and to avoid credit risks. We may also disclose your information as reasonably necessary to manage risks, obtain financial or legal advice, acquire and maintain insurance coverage, or to exercise or defend against legal claims. We may disclose your personal data as necessary to comply with any legal obligation or to protect your interests, or the vital interests of others or our company.

Advertising and Tracking Technologies

Ads appearing on our website may be delivered to Users by advertising partners, who may set cookies, which are small text files sent to us by your computer. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile non personal identification information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This privacy policy does not cover the use of cookies by any advertisers. These third-party advertisers or entities may use cookies or similar tracking technology. We have no control over these third parties or their use of cookies. For more information on opting out of interest-based ads, visit the Digital Advertising Alliance Opt-Out Tool or Network Advertising Initiative Opt-Out Tool.

This website makes use of cookies, web beacons, and log files like many other sites. These files merely log visitors to the site, which is usually a standard procedure for hosting companies and offered as part of the hosting provider’s analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, date/time stamp, referring/exit pages, internet service provider, and possibly the number of clicks. This information is used to analyze trends, track user’s movement around the site, administer the site, and gather demographic information. IP addresses and other such information are not linked to any information that is personally identifiable.

Some of the ads may be served by Google and its Google Adsense service. Google’s use of the DART cookie enables it to serve ads to Users based on their visit to our website and other sites on the Internet. DART uses “non-personally identifiable information” and does not track personal information about you, such as your name, email address, physical address, etc. You may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at We may partner with third-party analytic companies, including Google Analytics. These third-party analytic companies may also use cookies or other tracking technologies to analyze visitors’ use of our website to determine the popularity of the content, and better understand online activity. We do not transfer personal information to these third-party vendors.

Most browsers are set to accept cookies by default. In addition, when you first encounter our website, you will be asked to “consent to cookies.” If you wish to disable cookies, you may do so through your individual browser options. By continuing to use our website and not disabling cookies on your browser, you are consenting to our use of cookies in accordance with the terms of this Privacy Policy.

International Data

Our website is hosted by SG Hosting Inc. (“SiteGround”) servers located in the United States and in other locations: Therefore, if you reside in international countries, some of your data will be transferred internationally to those servers. When transferring personal information outside the USA to EEA, SiteGround will include the standard data protection clauses approved by the European Commission under Article 46.2 of the General Data Protection Regulation (GDPR). SiteGround has the Data Processing Agreement (DPA) in place, which regulates their responsibilities as a host, thus allowing its clients such as this website to have GDPR compliant sites. EU-U.S. Privacy Shield Framework and Swiss-U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union and Switzerland to the United States.

SiteGround has certified to the Department of Commerce that it adheres to the Privacy Shield Principles. If there is any conflict between the terms in this Privacy Policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, visit For more information, visit:

Security of your Information

We take all reasonable steps to protect your personal data and keep your information secure. We use recognized online secure systems and implement generally accepted standards of security to protect against personal data loss or misuse. However, no security measure is foolproof, and no method of data transmission can be guaranteed against interception or misuse. We cannot guarantee complete security of any information you transmit to us. By your consenting to this Privacy Policy, you acknowledge that your personal data may be available, via the internet, around the world. We cannot prevent the use or misuse of your data by other parties. We will notify you of promptly any known breach of our security systems or your data which might expose you to serious risk.


This website is not designed for use by children under age 16, and we do not knowingly solicit personal data from anyone under age 16. If you are under age 16, do not access or use our website or products or services. If you become aware that we have collected data of anyone under the age of 16, please contact us at so that we may delete that data.

Your Rights

You have certain rights with respect to your personal data. Further, your rights may be restricted or nullified to the extent they conflict with our compelling business interests, the public interest, or the law. You have the right to update or change any information you have provided to us. To update or delete your information, please contact us at

Data Retention

We retain personal data as long as it is needed to conduct our legitimate business purposes or to comply with our legal obligations, or until you ask us to delete your data. Data that we gather for a specific and particular purpose, such as assisting law enforcement or analyzing trends, will not be kept for longer than is necessary for that particular purpose. Data that is no longer needed by us for any of the purposes listed above will be permanently deleted.

You may request that we delete your data at any time. However, note that we cannot control the retention policies of third parties. If you wish to have any third parties, including those to whom we’ve transmitted your data, delete that data, you will need to contact those third parties directly. You may request from us a list of all third parties to whom we have transmitted your data.

California Privacy Rights

The State of California has established its own unique regulations that apply to California residents. If you reside in California, you have the right to obtain from us, once per year and free of charge, information regarding what information we disclose to third party marketers, and the names and addresses of each third party to whom we disclose your data.  If you are a California resident and would like to make such a request, please contact us at

Your acceptance of these terms

You consent to our processing your data internally to conduct our legitimate business interests. Our purposes in processing this information, if we do, is to administer, maintain, and improve our website and offerings, to be able to provide you with goods and services, to keep records of our transactions and interactions, and to protect the rights and interests of our company, our customers (including you), and any third parties, to comply with our legal obligations, and to obtain professional advice.

By using this website, you signify your acceptance of this policy. If you do not agree to this policy, please do not use this website or our social media pages. Your continued use of the website following the posting of changes to this policy will be deemed your acceptance of those changes.

Once you consent to our Privacy Policy, the terms of the Privacy Policy together with these Terms of Use, the information contained herein constitutes the entire agreement between site users and our company relating to the use of this website. If any part of these Terms of Use or our Privacy Policy is deemed unlawful and/or unenforceable, all other provisions contained herein will remain in full force and effect. These Terms of Use and Privacy Policy are governed by and construed in accordance with the laws of New Jersey, USA. Any dispute arising out of or related to the information contained herein is subject to adjudication in the USA.

Contacting me

If you have any questions about this Privacy Policy, the practices of this website, or your dealings with this website, please contact me at:

This document was last updated on September 15, 2020.