Welcome to Out Loud Media DMCC's Privacy Policy. This Privacy Policy governs the collection, use, and disclosure of personal information by Out Loud Media DMCC ("Company," "we," "us," or "our") through our websites www.outloud-media.com and www.nowyoucanafford.com ("Websites"), as well as any services, products, or content offered therein. 

Out Loud Media DMCC is committed to protecting the privacy of our users and complying with applicable data protection and privacy laws in various jurisdictions, including the United States, United Kingdom, Canada, India, Australia, and the European Union (EU).

By accessing or using our Websites, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, you must not access or use our Websites.

We collect various types of personal information to provide and improve our services. The types of personal information we may collect include, but are not limited to:

Name: Your full name as provided during registration or purchase.

Email Address: Your email address for communication and account management.

Payment Details: Credit card details, billing address, and other payment-related information for processing transactions.

Shipping Address Details: Your shipping address for delivering physical products.

Other Information: Any other information you voluntarily provide to us, such as preferences, interests, or feedback.

We collect and use personal information for various purposes, including:

User Account Management: To create and manage user accounts, including usernames, email addresses, and passwords.

Communication: To facilitate communication with users, such as sending email notifications, newsletters, or responding to inquiries.

User Authentication: To verify a user's identity when they log in or make transactions.

Service Customization: To personalize the user experience, such as showing relevant content or recommendations.

Analytics and Improvements: To analyze user behavior, site usage, and trends to improve our website and services.

Marketing and Advertising: For targeted advertising and marketing efforts, including displaying relevant ads and measuring ad effectiveness.

Transaction Processing: To process payments and ensure transaction security.

Customer Support: To provide customer support and address user issues or inquiries.

Research and Development: To create new features or services.

Security: To monitor and enhance the security of the website, detect and prevent fraud, and ensure data integrity.

Third-Party Integration: To enable third-party services to function properly on our website.

User Feedback and Surveys: To gather user opinions and improve services through surveys and feedback forms.

We may share your personal information with third parties under the following circumstances:

Service Providers: To facilitate various aspects of our website or business operations, including hosting providers, payment processors, email service providers, and customer support platforms.

Advertising and Marketing Partners: For targeted advertising, analytics, and other marketing purposes. These partners may use cookies and similar tracking technologies.

Affiliate Programs: For tracking and commission purposes within affiliate relationships.

Legal and Regulatory Compliance: When required by law, legal processes, or government requests, in accordance with our privacy policy.

We take the security of your personal information seriously. All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Users is only accessible to a limited number of qualified employees who are given a password to gain access to the information. We audit our security systems and processes on a regular basis. Sensitive information, such as credit card numbers or social security numbers, is protected by encryption protocols, in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering, and break-ins, and we cannot guarantee or warrant that such events will not take place, and we will not be liable to Users for any such occurrences.

As a user of our Websites, you have various rights concerning your personal information. These rights include:

The Right to Rectification: You may ask us to correct any inaccurate or incomplete information about you.

The Right to Erasure: You may request that we delete your personal information, subject to applicable legal obligations.

The Right to Restrict Processing: You may request that we limit the processing of your personal information.

The Right to Object to Processing: You may object to our processing of your personal information for specific purposes.

The Right to Data Portability: You may request a copy of your personal information in a structured, commonly used, and machine-readable format.

The Right to Withdraw Consent: If our processing is based on your consent, you may withdraw that consent at any time.

Out Loud Media DMCC complies with the General Data Protection Regulation (GDPR) for residents of the European Union. Under the GDPR, individuals have the right to:

Rectification: Request correction of any inaccurate or incomplete personal information.

Erasure: Request the deletion of personal data, also known as the "right to be forgotten."

Restriction: Request the restriction of processing their personal data, allowing storage but limiting its use.

Portability: Obtain and reuse their personal data across different services, allowing them to move, copy, or transfer data easily.

Objection: Object to the processing of their personal data, including for direct marketing or profiling.

Automated Decision Making and Profiling: Request human intervention or challenge decisions made solely by automated means.

Consent Withdrawal: Withdraw consent for processing personal data at any time, without affecting the lawfulness of processing based on consent before withdrawal.

We are committed to handling personal information of EU residents in accordance with the GDPR, ensuring transparency, accuracy, and confidentiality. We have implemented appropriate technical and organizational measures to safeguard personal data and comply with our obligations under the GDPR.

We comply with the California Consumer Privacy Act (CCPA) as applicable to our processing of personal information of California residents. If you are a resident of California, you have specific rights under the CCPA, including the right to opt-out of the sale of your personal information, the right to know about the personal information collected about you, and the right to request deletion of your personal information. For more information about your CCPA rights, please contact us using the information provided at the end of this Privacy Policy.

We comply with applicable privacy laws and regulations in the United Arab Emirates (UAE), including any obligations related to the collection, use, disclosure, and protection of personal information. We adhere to the principles of transparency, accountability, and lawfulness in our processing of personal information in accordance with UAE laws. If you have any questions or concerns about our compliance with UAE privacy laws, please contact us using the information provided at the end of this Privacy Policy.

Personal Information Protection and Electronic Documents Act (PIPEDA)

Out Loud Media DMCC complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) for Canadian residents. Under PIPEDA, individuals have the right to:

Correction: Request correction of any inaccurate or incomplete personal information.

Consent: Provide or withdraw consent for the collection, use, and disclosure of personal information.

Complaints: File a complaint with the Privacy Commissioner of Canada if they believe their privacy rights have been violated.

We take reasonable steps to ensure that personal information collected from Canadian residents is used in compliance with PIPEDA and is kept secure and confidential.

Personal Data Protection Bill (PDP Bill effective once legislated)

Out Loud Media DMCC adheres to the Personal Data Protection Bill (PDP Bill) for residents of India. Under the PDP Bill, individuals have the right to:

Transparency: Know how their personal data is being processed, including the nature, purpose, and recipients of the data.

Correction: Seek correction of inaccurate, incomplete, or outdated personal data.

Erasure: Seek erasure of personal data that is no longer necessary for the purpose for which it was processed.

Data Portability: Obtain personal data in a structured and machine-readable format.

We are committed to handling personal data of Indian residents in accordance with the PDP Bill and taking appropriate measures to protect their privacy.

Australian Privacy Principles (APP)

Out Loud Media DMCC complies with the Australian Privacy Principles (APP) for Australian residents. Under the APP, individuals have the right to:

Correction: Request correction of any inaccurate personal information.

Complaints: Lodge a complaint with the Australian Information Commissioner if they believe their privacy has been breached.

Opt-Out: Opt-out of direct marketing communications.

Anonymity: Deal with us anonymously or under a pseudonym where lawful and practical.

We are committed to handling personal information of Australian residents in accordance with the APP, ensuring transparency, integrity, and confidentiality.

13.Children's Privacy

Our Websites and Services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from children under the age of 18. If we become aware that we have collected personal information from a child under the age of 18, we will take appropriate steps to delete that information. If you believe that a child under the age of 18 has provided us with personal information, please contact us using the information provided at the end of this Privacy Policy.

Information Commissioner's Office (ICO) Regulations

Out Loud Media DMCC complies with the regulations enforced by the Information Commissioner's Office (ICO) for residents of the United Kingdom. Under the ICO regulations, individuals have the right to:

Rectification: Request correction of any inaccurate or incomplete personal information.

Erasure: Request the deletion or removal of personal data where there is no compelling reason for its continued processing.

Restriction: Request the restriction or suppression of their personal data, limiting the way we use it.

Portability: Obtain and reuse their personal data across different services.

Objection: Object to the processing of their personal data in certain circumstances, such as for direct marketing.

Automated Decision Making and Profiling: Understand and request human intervention for decisions made solely by automated means.

We are committed to handling personal information of UK residents in accordance with the ICO regulations, ensuring transparency, accuracy, and confidentiality.

Out Loud Media DMCC operates globally, and your personal information may be transferred to, stored, and processed in countries other than the country in which you reside. These countries may have data protection laws that differ from those of your country of residence. We take appropriate measures to ensure that your personal information is treated securely and in accordance with this Privacy Policy, regardless of where it is processed. By using our Websites and Services, you consent to the transfer of your personal information to countries outside your country of residence.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements. The specific retention period will vary depending on the nature of the information and the purposes for which it was collected. We may also retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

Our websites may contain links to third-party websites or services that are not owned or controlled by Out Loud Media DMCC. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party websites or services you may access through our websites. Your use of these third-party sites is at your own risk, and we disclaim all liability related to your use of such sites.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or other factors. We will notify you of any material changes by posting the updated Privacy Policy on our Websites and indicating the date of the latest revision. Your continued use of our Websites and Services after the effective date of the changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about our privacy practices.

By using our Websites and Services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. We may obtain your explicit consent for certain specific processing activities, and you may withdraw your consent at any time by contacting us.

We may use automated decision-making processes, including profiling, to provide personalized services, offers, or recommendations. You have the right to object to decisions based solely on automated processing, including profiling, that have legal or significant effects on you. If you have concerns about automated decision-making, please contact us.

We may share your personal information with third-party marketing partners for the purpose of sending you promotional materials, offers, and advertisements that may be of interest to you. You have the right to opt-out of third-party marketing at any time by contacting us.

We may participate in affiliate programs, and our Websites may contain links to affiliate products or services. If you make a purchase through an affiliate link, we may receive a commission at no additional cost to you. Our participation in affiliate programs is disclosed in accordance with applicable laws and regulations.

We take reasonable steps to ensure that the personal information we collect is accurate, complete, and up-to-date. If you believe that any of your personal information is incorrect or incomplete, please contact us, and we will make reasonable efforts to correct or update the information.

This Privacy Policy is governed by and construed in accordance with the laws of UAE - Dubai, without regard to its conflict of law principles. Any legal action or proceeding related to this Privacy Policy shall be brought exclusively in the courts of UAE - Dubai.

25. Contact Information

If you have any questions, concerns, or comments about this Privacy Policy or our privacy practices, please contact us at:

Email: support@nowyoucanafford.com

Address: Out Loud Media DMCC, UAE – Dubai - DMCC Business Centre - Level No. 1, Unit No: 1820, Jewellery & Gemplex 3

We are committed to addressing your inquiries and resolving any concerns you may have about your privacy.

Welcome to Out Loud Media DMCC's Privacy Policy. This Privacy Policy governs the collection, use, and disclosure of personal information by Out Loud Media DMCC ("Company," "we," "us," or "our") through our websites www.outloud-media.com and www.nowyoucanafford.com ("Websites"), as well as any services, products, or content offered therein. 

Out Loud Media DMCC is committed to protecting the privacy of our users and complying with applicable data protection and privacy laws in various jurisdictions, including the United States, United Kingdom, Canada, India, Australia, and the European Union (EU).

By accessing or using our Websites, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, you must not access or use our Websites.

We collect various types of personal information to provide and improve our services. The types of personal information we may collect include, but are not limited to:

Name: Your full name as provided during registration or purchase.

Email Address: Your email address for communication and account management.

Payment Details: Credit card details, billing address, and other payment-related information for processing transactions.

Shipping Address Details: Your shipping address for delivering physical products.

Other Information: Any other information you voluntarily provide to us, such as preferences, interests, or feedback.

We collect and use personal information for various purposes, including:

User Account Management: To create and manage user accounts, including usernames, email addresses, and passwords.

Communication: To facilitate communication with users, such as sending email notifications, newsletters, or responding to inquiries.

User Authentication: To verify a user's identity when they log in or make transactions.

Service Customization: To personalize the user experience, such as showing relevant content or recommendations.

Analytics and Improvements: To analyze user behavior, site usage, and trends to improve our website and services.

Marketing and Advertising: For targeted advertising and marketing efforts, including displaying relevant ads and measuring ad effectiveness.

Transaction Processing: To process payments and ensure transaction security.

Customer Support: To provide customer support and address user issues or inquiries.

Research and Development: To create new features or services.

Security: To monitor and enhance the security of the website, detect and prevent fraud, and ensure data integrity.

Third-Party Integration: To enable third-party services to function properly on our website.

User Feedback and Surveys: To gather user opinions and improve services through surveys and feedback forms.

We may share your personal information with third parties under the following circumstances:

Service Providers: To facilitate various aspects of our website or business operations, including hosting providers, payment processors, email service providers, and customer support platforms.

Advertising and Marketing Partners: For targeted advertising, analytics, and other marketing purposes. These partners may use cookies and similar tracking technologies.

Affiliate Programs: For tracking and commission purposes within affiliate relationships.

Legal and Regulatory Compliance: When required by law, legal processes, or government requests, in accordance with our privacy policy.

We take the security of your personal information seriously. All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Users is only accessible to a limited number of qualified employees who are given a password to gain access to the information. We audit our security systems and processes on a regular basis. Sensitive information, such as credit card numbers or social security numbers, is protected by encryption protocols, in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering, and break-ins, and we cannot guarantee or warrant that such events will not take place, and we will not be liable to Users for any such occurrences.

As a user of our Websites, you have various rights concerning your personal information. These rights include:

The Right to Rectification: You may ask us to correct any inaccurate or incomplete information about you.

The Right to Erasure: You may request that we delete your personal information, subject to applicable legal obligations.

The Right to Restrict Processing: You may request that we limit the processing of your personal information.

The Right to Object to Processing: You may object to our processing of your personal information for specific purposes.

The Right to Data Portability: You may request a copy of your personal information in a structured, commonly used, and machine-readable format.

The Right to Withdraw Consent: If our processing is based on your consent, you may withdraw that consent at any time.

Out Loud Media DMCC complies with the General Data Protection Regulation (GDPR) for residents of the European Union. Under the GDPR, individuals have the right to:

Rectification: Request correction of any inaccurate or incomplete personal information.

Erasure: Request the deletion of personal data, also known as the "right to be forgotten."

Restriction: Request the restriction of processing their personal data, allowing storage but limiting its use.

Portability: Obtain and reuse their personal data across different services, allowing them to move, copy, or transfer data easily.

Objection: Object to the processing of their personal data, including for direct marketing or profiling.

Automated Decision Making and Profiling: Request human intervention or challenge decisions made solely by automated means.

Consent Withdrawal: Withdraw consent for processing personal data at any time, without affecting the lawfulness of processing based on consent before withdrawal.

We are committed to handling personal information of EU residents in accordance with the GDPR, ensuring transparency, accuracy, and confidentiality. We have implemented appropriate technical and organizational measures to safeguard personal data and comply with our obligations under the GDPR.

We comply with the California Consumer Privacy Act (CCPA) as applicable to our processing of personal information of California residents. If you are a resident of California, you have specific rights under the CCPA, including the right to opt-out of the sale of your personal information, the right to know about the personal information collected about you, and the right to request deletion of your personal information. For more information about your CCPA rights, please contact us using the information provided at the end of this Privacy Policy.

We comply with applicable privacy laws and regulations in the United Arab Emirates (UAE), including any obligations related to the collection, use, disclosure, and protection of personal information. We adhere to the principles of transparency, accountability, and lawfulness in our processing of personal information in accordance with UAE laws. If you have any questions or concerns about our compliance with UAE privacy laws, please contact us using the information provided at the end of this Privacy Policy.

Personal Information Protection and Electronic Documents Act (PIPEDA)

Out Loud Media DMCC complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) for Canadian residents. Under PIPEDA, individuals have the right to:

Correction: Request correction of any inaccurate or incomplete personal information.

Consent: Provide or withdraw consent for the collection, use, and disclosure of personal information.

Complaints: File a complaint with the Privacy Commissioner of Canada if they believe their privacy rights have been violated.

We take reasonable steps to ensure that personal information collected from Canadian residents is used in compliance with PIPEDA and is kept secure and confidential.

Personal Data Protection Bill (PDP Bill effective once legislated)

Out Loud Media DMCC adheres to the Personal Data Protection Bill (PDP Bill) for residents of India. Under the PDP Bill, individuals have the right to:

Transparency: Know how their personal data is being processed, including the nature, purpose, and recipients of the data.

Correction: Seek correction of inaccurate, incomplete, or outdated personal data.

Erasure: Seek erasure of personal data that is no longer necessary for the purpose for which it was processed.

Data Portability: Obtain personal data in a structured and machine-readable format.

We are committed to handling personal data of Indian residents in accordance with the PDP Bill and taking appropriate measures to protect their privacy.

Australian Privacy Principles (APP)

Out Loud Media DMCC complies with the Australian Privacy Principles (APP) for Australian residents. Under the APP, individuals have the right to:

Correction: Request correction of any inaccurate personal information.

Complaints: Lodge a complaint with the Australian Information Commissioner if they believe their privacy has been breached.

Opt-Out: Opt-out of direct marketing communications.

Anonymity: Deal with us anonymously or under a pseudonym where lawful and practical.

We are committed to handling personal information of Australian residents in accordance with the APP, ensuring transparency, integrity, and confidentiality.

13.Children's Privacy

Our Websites and Services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from children under the age of 18. If we become aware that we have collected personal information from a child under the age of 18, we will take appropriate steps to delete that information. If you believe that a child under the age of 18 has provided us with personal information, please contact us using the information provided at the end of this Privacy Policy.

Information Commissioner's Office (ICO) Regulations

Out Loud Media DMCC complies with the regulations enforced by the Information Commissioner's Office (ICO) for residents of the United Kingdom. Under the ICO regulations, individuals have the right to:

Rectification: Request correction of any inaccurate or incomplete personal information.

Erasure: Request the deletion or removal of personal data where there is no compelling reason for its continued processing.

Restriction: Request the restriction or suppression of their personal data, limiting the way we use it.

Portability: Obtain and reuse their personal data across different services.

Objection: Object to the processing of their personal data in certain circumstances, such as for direct marketing.

Automated Decision Making and Profiling: Understand and request human intervention for decisions made solely by automated means.

We are committed to handling personal information of UK residents in accordance with the ICO regulations, ensuring transparency, accuracy, and confidentiality.

Out Loud Media DMCC operates globally, and your personal information may be transferred to, stored, and processed in countries other than the country in which you reside. These countries may have data protection laws that differ from those of your country of residence. We take appropriate measures to ensure that your personal information is treated securely and in accordance with this Privacy Policy, regardless of where it is processed. By using our Websites and Services, you consent to the transfer of your personal information to countries outside your country of residence.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements. The specific retention period will vary depending on the nature of the information and the purposes for which it was collected. We may also retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

Our websites may contain links to third-party websites or services that are not owned or controlled by Out Loud Media DMCC. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party websites or services you may access through our websites. Your use of these third-party sites is at your own risk, and we disclaim all liability related to your use of such sites.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or other factors. We will notify you of any material changes by posting the updated Privacy Policy on our Websites and indicating the date of the latest revision. Your continued use of our Websites and Services after the effective date of the changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about our privacy practices.

By using our Websites and Services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. We may obtain your explicit consent for certain specific processing activities, and you may withdraw your consent at any time by contacting us.

We may use automated decision-making processes, including profiling, to provide personalized services, offers, or recommendations. You have the right to object to decisions based solely on automated processing, including profiling, that have legal or significant effects on you. If you have concerns about automated decision-making, please contact us.

We may share your personal information with third-party marketing partners for the purpose of sending you promotional materials, offers, and advertisements that may be of interest to you. You have the right to opt-out of third-party marketing at any time by contacting us.

We may participate in affiliate programs, and our Websites may contain links to affiliate products or services. If you make a purchase through an affiliate link, we may receive a commission at no additional cost to you. Our participation in affiliate programs is disclosed in accordance with applicable laws and regulations.

We take reasonable steps to ensure that the personal information we collect is accurate, complete, and up-to-date. If you believe that any of your personal information is incorrect or incomplete, please contact us, and we will make reasonable efforts to correct or update the information.

This Privacy Policy is governed by and construed in accordance with the laws of UAE - Dubai, without regard to its conflict of law principles. Any legal action or proceeding related to this Privacy Policy shall be brought exclusively in the courts of UAE - Dubai.

25. Contact Information

If you have any questions, concerns, or comments about this Privacy Policy or our privacy practices, please contact us at:

Email: support@nowyoucanafford.com

Address: Out Loud Media DMCC, UAE – Dubai - DMCC Business Centre - Level No. 1, Unit No: 1820, Jewellery & Gemplex 3

We are committed to addressing your inquiries and resolving any concerns you may have about your privacy.