Privacy Policy

March 1, 2018

This Privacy Policy (hereinafter “Policy”) governs how MSB USA Inc., d.b.a. Ozan, (hereinafter “MSB USA” or “We”) collect, use and disclose personal information. It applies to the use of our website, the services we offer and agreement that incorporates this policy by reference.

Information We Collect
In connection with providing our services to you, we collect nonpublic and personal information ("Nonpublic Personal Information"). Nonpublic Personal Information is information that is not available from a public source.
We obtain Nonpublic Personal Information about you from the following sources:
- Information you disclose to us in or in connection with your new account information, such as, but not limited to: your name(s), date of birth, addresses, telephone numbers, email addresses, bank account details, information on your financial status and creditworthiness and other financial information;
- Information we receive from you for the purpose of executing a transaction;
- Information we may collect during our business relationship
- Information we collect about you when visiting our website through the use of Cookies.
We may also obtain information about you from third parties such as credit bureaus and identity verification services.

How We Use the Personal Information We Collect
We may contact you via electronic or postal mail to inform you regarding your account or our services, to resolve a dispute or issues with your account and with respect to uncollected fees.

We may use your personal information to: process transactions and send notices about your transactions; verify your identity, including during account creation and password reset processes; provide our services and customer support; resolve disputes, collect fees, and troubleshoot problems; manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities; detect, prevent or remediate violations of policies or applicable user agreements; manage and protect our information technology infrastructure; provide marketing and advertising; perform creditworthiness and solvency checks, compare information for accuracy and verify it with third parties.

Information We Disclose and to Whom
We restrict access to nonpublic personal information about you to our employees, agents and subcontractors who need this information to provide products or services to you. We maintain very advanced physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information and protect it against unauthorized access and disclosure.

Residents of California and Vermont
To the extent applicable and for other to carry out our everyday business, for purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (“GLBA”), the California Financial Information Privacy Act (“CFIPA”) and the Vermont Consumer Protection Act, 8 V.S.A. 10202 (“VCPA”), we will not share nonpublic personally identifiable financial information with our affiliates or non-affiliates unless we receive your prior approval (“OPT IN”) allowing us share this nonpublic personally identifiable information with our affiliates or non-affiliates and, for purposes of the GLBA. Further, this Privacy Policy shall serve as your annual privacy notice as defined under the GLBA, CFIPA and VCPA, respectively.

Our Security Procedures
We use reasonable efforts not to disclose Personal Nonpublic Information to any third party except for the reasons set forth in below or with your consent. Credit bureaus, customer service agents, collection agencies, and other trusted third parties provide services to us in order to deliver our services to you, and such third parties are bound by this Privacy Policy.

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your personal information with information we collect from other companies and use it to improve and personalize our services, content, and advertising.

How to Change Your Personal Information. Closed Accounts
You can review and edit your personal information at any time by logging in to your account and reviewing your account settings and profile. You can also close your account in which case we will mark your account in our database as "Closed," but may retain personal information from your account for a certain period of time and retain and disclose it in a manner consistent this Privacy Policy and as permitted by applicable law.

Cookies are small data files which we (and the companies we work with) may place on your computer or other device. We use Cookies to recognize you as a customer; customize our services, content, and advertising; help ensure that your account security is not compromised; mitigate risk and prevent fraud.
You can decline accepting our Cookies if your browser or browser add-on permits, however, declining our Cookies may interfere with your use of our website and services.

Do Not Track
Do Not Track is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to Do Not Track signals and we provide you notice of the tracking by advertisers and other third parties in our Privacy and Cookies policies.

Customers of the MSB USA service must be U.S. Residents that are 18 years of age or older. Persons under the age of 18 are not eligible to participate in the offerings on this web site.
We may change this Privacy Policy at any time by posting the changed terms to this page. Any changes take effect 30 days from posting.
This Policy is governed by the laws of the state of Georgia, and you irrevocably submit to the exclusive jurisdiction of the courts of the state of Georgia.