Important Notice Concerning Customer Privacy

MORGAN cares about the privacy of your information. This Privacy Notice (“Privacy Notice”) describes how MORGAN uses or shares information about you that is obtained through your interaction with MORGAN whether through access to our website, office or otherwise. To better protect your privacy, we provide this Privacy Notice explaining our information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it accessible at all times through a link on each web page located at www.MCT.am (the “Site”.) The term Site also includes your access to any MORGAN provided mobile application, mobile website or other mobile device connecting to a bona-fide MORGAN website. By using the Site, you agree to the terms and conditions of this Privacy Notice.

Information We Collect

Information means any information that you provide to us or that we may collect from other sources, including information you provide when filling out forms, applications, or surveys. This may include your name, gender, date of birth, postal or email addresses, location, telephone or fax numbers, social security or account numbers. This Privacy Notice also applies to all information collected on or submitted to, the Site. Information also includes any information we collect as a result of utilizing Web Server Log information, Web Browser Sessions, Cookies, IP Address, Pixel Tags, or other technologies (“Information”). Information also includes information regarding transactions that you have made as well as demographic information as well as aggregated and de-identified data.

We May Use Information

• To respond to your inquiries and fulfill your requests;
• To provide you products or services;
• To deliver marketing communications that we believe may be of interest to you, including ads or offers tailored to you;
• To inform you important information, products or services you may be interested in, changes in our terms, conditions, and policies and/or other administrative information;
• To verify your identity and/or location in order to provide you with services and/or member benefits;
• To allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information on how Information is used and shared;
• To send you marketing and promotional communications (electronic or otherwise) that we believe may be of interest to you;
• To personalize your experience;
• To verify your identity and/or location and travels (or the identity, location or travels of your representative or agent) and to make available to your products and services;
• For our business purposes, such as data analysis, audits, developing new products and services, enhancing our Site; improving the products and services we provide to you, and identifying usage trends and determining the effectiveness of our promotional campaigns;
• For risk control, to comply with laws and regulations;.
• To send to our partners, vendors, and agents in connection with fulfilling your request for products or services.
• To allow you to use features within our Sites by granting us access to information from your device such as geo-location when you request certain services.

Information We Share

When you interact purchase our services online, you will be asked for information needed to complete your request. The information you provide is used to process your membership application and issue a membership card. We share Information about you with our affiliates, such companies that perform everyday business transactions with us and our marketing partners. From time to time, we may allow affiliates and these companies to extend offers of products and services to you. These companies to which we may disclose the Information we collect may include financial service providers, such as banking, lending, and insurance companies, as well as non-financial companies, such as retailers, sellers of consumer products and services, travel vendors and independent marketing companies. We may disclose the information we collect about you as permitted or required by law. Companies who are not affiliates and outside service providers are required by us to enter into written agreements with us to safeguard the confidentiality of your Information and use it only for authorized purposes.

We will never sell your Information.

Other Information We Collect Online

Other information (“Other Information”) is any information we collect online which does not reveal your specific identity. This includes information collected through browsers, Web Server Logs, Cookies, Web Pixels, and other similar technology. For purposes of this Privacy Notice, Other Information shall be deemed to be a subset of Information.

How We Use Other Information

This information is used by us for its business purposes, which may include offering products or services tailored specifically to you.

Advertising

We advertise on the Site as well as other websites not affiliated with us. These advertisements may take the form of banner ads or splash ads, ad networks, and re-targeting campaigns. We also use social media to advertise. Information collected through these advertisements by us and our advertising third-party Service Providers (“Advertising Service Providers”) using cookies and other technologies includes, without limitation, the number of people requesting to look at each page, search engine referrals, and responses to advertisements and promotions on the Site, affiliated and unaffiliated websites.

Service Providers

You should be aware that we use service providers (“Service Providers”), including Advertising Service Providers, to provide services to the Site and in our offline business operations. The information that you submit to us may be provided to those Service Providers on a confidential basis so that those Service Providers can provide services to us in the course of our business including without limitation, maintaining our database, sending e-mail messages on our behalf, and facilitating promotional and campaign activities on our behalf.

Our Commitment to Data Security

We recognize the importance of safeguarding the confidentiality of your Information. We employ security measures designed to protect your Information from unauthorized access in compliance with federal law. However, no data transmission over the Internet or other networks can be guaranteed to be 100% secure. Therefore, while we strive to protect any Information you transmit on or through the Site, please be advised that MORGAN and its Service Providers assume no responsibility or liability for disclosure of your Information due to errors in transmission, unauthorized third-party access, or other causes beyond our control or the control of the Service Providers.

Links to Third Party Websites and Co-Branded Websites

Our Site may contain links to third party websites or may be co-branded. Please be aware that MORGAN is not responsible for and cannot control the privacy practices of other websites or third parties regardless if they are co-branded. We encourage you to read the privacy policies of these other websites, as they may differ from ours. Our Site may also be created and maintained by Service Providers or may contain links to co-branded websites that may display MORGAN’s logo and trademarks but which are maintained by third parties. Please read the privacy policy on any co-branded or third-party websites for the applicable privacy practices relating to Information, and personal information collected via that website, as it may differ from this Privacy Notice. This Privacy Notice applies solely to Information collected by MORGAN on its Sites where this Privacy Notice is posted.

Compliance with Laws and Law Enforcement

We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. MORGAN reserves the right to disclose Information to government or law enforcement officials or private parties if, in our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including court orders and subpoenas), to protect the safety, property or rights of MORGAN or of any third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.

Spyware or Adware

Spyware or Adware refers to applications that are downloaded to your computer. These types of applications deliver ads (usually in the form of pop-up type ads) based on your web usage. We do not participate in any way with spyware or adware applications, and we do not download these types (or any types) of applications without your expressed acceptance. Cookies and Pixel Tags are not spyware or adware, and they are not harmful to your computer.

Social Media and Public Forums

Please be advised that MORGAN may participate on social media platforms, including Facebook® and Twitter®. These social media platforms and community pages enable online sharing and collaboration among users. Whenever you post information to any social media platform or any MORGAN community page or any other online public forums, such information can and may be accessed by the public. This means that any person or entity with access to such information can potentially use it for any purpose, including sending unsolicited communications. We strongly encourage you to not post non-public personal information about you to social media platforms or any other online public forums. We cannot control the use of information disclosed in public forums, such as social media platforms, blogs, forums, wikis, chat rooms, and networking functions of mobile-device applications. You should exercise caution when disclosing information in these public areas, and be careful how you disclose your Information. Content posted in public areas of MORGAN, including advice and opinions, represent the views and is the responsibility of those who post the content. MORGAN does not necessarily endorse, support, verify, or agree with the content posted.

Mergers and Acquisitions

If we should ever file for bankruptcy or merge with another company, or if we should decide to buy, sell, or reorganize some part or all of its business, we may be required to disclose your Information, including to prospective or actual acquirers in connection with one of these transactions.

Privacy Policy Changes

MORGAN may update this Privacy Notice from time to time. You should review this Privacy Notice periodically. If we decide to change this Privacy Notice, we will inform you by posting the revised Privacy Notice on the Site. Those changes will go into effect on the date shown at the top of the revised Privacy Notice. Your continued use of the Site constitutes your consent to our Privacy Notice including any revisions thereto.

Phishing

“Phishing” is a scam designed to steal your personal information. If you receive an email that looks like it is from us asking you for your non-public personal information, do not respond. We will never request your password, username, bank or credit card account information through email. We may ask you to provide your name, address, date of birth and membership information using email.

How to contact us

For questions about our Privacy Policy, or to make choices about receiving email, promotional and marketing communications, or to update your subscription information, write us at morganconsulting@morgan.am.