Privacy Policy

This Privacy Policy outlines how micback collects, uses, maintains, and discloses information gathered from users of our financial navigation website. We are committed to protecting your privacy and ensuring the security of your personal data as you get started with your journey towards financial stability. This policy applies to the site and all products and services offered by micback, effective as of April 1, 2026.

Information We Collect

We collect various types of information to provide personalized financial guidance and improve our services. This includes personal identification information such as your name, email address, and age, which you voluntarily provide when registering or using our tools. And, we collect financial information like income, expenses, debt details, and financial goals, which are essential for creating your personalized debt exit plans and spending audits. We also gather non-personal identification information, such as browser type, operating system, and IP address, to enhance your user experience and analyze website performance.

Use of Data

The information we collect is primarily used to personalize your financial experience, offering fited debt exit strategies and emergency fund creation tools. We use your data to conduct detailed spending audits and provide actionable insights for better financial control. Beyond that, your information helps us to improve our website, develop new services, and communicate with you about your financial progress or relevant updates. We may also use your data for internal analytics to understand user behavior and optimize our service delivery.

Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The specific retention period is determined by the nature of the data, the services provided, and applicable legal obligations in the Republic of Moldova. When your personal data is no longer required, we will securely delete or anonymize it in accordance with our data retention policies.

Transfer of Data

Your information, including personal data, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. micback will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. We ensure that any such transfers comply with applicable data protection laws, using standard contractual clauses or other legally recognized safeguards where necessary.

Security of Data

We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal data. These measures include encryption, firewalls, and secure socket layer (SSL) technology to protect sensitive data transmissions. Despite our diligent efforts, it is important to acknowledge that no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute data security.

Your Rights

As a user, you have certain rights regarding your personal data, including the right to access, correct, or delete the information we hold about you. You may also have the right to restrict or object to certain processing activities, as well as the right to data portability. To exercise any of these rights, please contact us using the information provided on our website. We are committed to helping your control over your personal data in compliance with applicable data protection laws.

Changes to This Privacy Policy

Micback reserves the right to update this privacy policy at any time to reflect changes in our practices or legal requirements. When we do, we will revise the 'last updated' date at the top of this page. We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. Your continued use of the service after any modification to this policy will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

Contact Us

Email: support@micback.com

Address: Kentford Business Center 202 Stefan cel Mare si Sfint Boulevard, Buiucani District, Chisinau, Moldova