Privacy Policy

Musheer values your privacy and is sensitive to any concerns you may have about how we utilise the personal information we gather from and about you. We have internal rules and processes in place, in addition to this Privacy Policy, to keep your personal information private and to guarantee that information about you is only used in accordance with this Privacy Policy. We actively implement privacy by design principles and have a privacy staff dedicated to ensuring that your personal information is protected and correctly managed.

This Privacy Policy describes how we collect, use, process, and disclose personal information of consumers. This Privacy Policy applies to Musheer.com, Inc. as well as Musheer’s subsidiaries and affiliates.

The scope of this Privacy Policy covers both your use of the Musheer.com website and any other ways in which you may interact with Musheer, such as when you speak to us on the phone. It also describes the choices available to you regarding our use of your personal information.

This Privacy Policy is incorporated into our Terms of Use and Terms of Service, and therefore governs your use of Musheer’s services. By using Musheer’s services, you accept the terms of this Privacy Policy. If you have questions or concerns about the Privacy Policy, or would like to exercise any of your rights around how data about you is used, you can let us know using the form located here. Alternatively, you may contact Customer Care at +923-402-321-111. If you are a consumer with a disability and are having trouble accessing this Privacy Policy, you may request to receive this Privacy Policy by emailing ask@musheer.com or by calling +923-402-321-111.

Information We Collect About Consumers.

We clarify what categories of Personal Information we may collect about consumers in this part of the Privacy Policy. The kind of Personal Information gathered is determined by the sort of engagement we have with a consumer (such as phoning, visiting our website, or using our mobile app), the types of items a consumer evaluates or purchases, and the information Musheer’s customers choose to share with us. It also includes any information we may acquire about persons as part of our employment recruiting efforts. While this section contains all of the information that we may gather on customers, we seldom collect all of these categories of information about a single person.

As used in this Privacy Policy, Personal Information means information that relates, and is capable of being linked, to a particular person. It does not include de-identified or aggregate information.

Musheer potentially collects the following categories of information about consumers, some of which may be collected or maintained in a manner such that it can be considered Personal Information:

Identifiers:
Examples of the types of identifiers that Musheer may collect include real names, nicknames, postal addresses, online identifiers, Internet Protocol addresses (“IP addresses”), email addresses, account numbers, CNICs , and other government identification numbers.

Other types of information:
Examples of other types of information include physical characteristics or descriptions of you, telephone number, insurance policy number, education, employment, financial information including bank account, credit card, and debit card numbers, health insurance information, pre-employment skill testing results, and information collected as part of performing background checks for prospective employees. It also includes additional information provided to Musheer directly by you, such as when you complete a questionnaire, answer a survey, or receive a financial consultation.

Characteristics protected under some laws:
Examples of the types of characteristics that Musheer may collect include age, national origin, citizenship, marital status, medical information, sex, sexual orientation, and veteran or military status.

Commercial information:
Examples of the types of commercial information that Musheer may collect includes records of business and other property owned, products or services purchased, obtained, or considered from Musheer or our partners, and other purchasing or consuming histories or tendencies.

Internet information:
Examples of the types of internet or other electronic network activity information that Musheer may collect includes browsing history, search history, information about the device the consumer is using to access our website or applications, and information regarding a consumer’s interaction with Musheer’s or our partners’ websites, applications, or advertisements. We may also collect information from visitors to our website such as browser settings, operating systems, referring/exit pages, and clickstream data. When we send you an email, Musheer may also collect information, including about how you interact with that email.

Geolocation information:
Musheer may collect information about where a consumer resides or is otherwise located.

Audio and visual information:
Musheer may make audio recordings of calls with consumers. We may make visual recordings of consumers when they utilize our consultation services when consumers agree that Musheer may take their photograph or videotape them. We may also collect visual images of consumers when they are provided to us in connection with a product, such as when they are submitted as part of a trademark order. We do not collect thermal or olfactory information.

Professional and employment-related information:
Examples of the types of professional and employment-related information Musheer may collect includes information about professional status and affiliations, employment history, salary expectations, and employment status. We do not collect biometric or education information that is maintained by an educational institution or party acting on an educational institution’s behalf. We also do not collect inferences about consumers, although as described below, we may internally create inferences based on the information that we do collect.

Where We Collect Information About Consumers

In this section of the Privacy Policy, we explain where and how we collect data about consumers. We receive information about consumers from several categories of sources. To learn more about which categories of information we collect from which source, please refer to the chart in the section below entitled Summary of Musheer’s Practices Regarding Consumer Information.

Consumers:
The vast majority of the information that Musheer collects comes directly or indirectly from the consumer that it relates to. Information that is collected directly from you is information that you provide when you complete a form online, use a chat feature, or speak to us on the phone. We may also collect information indirectly about you when you interact with our website, through the use of cookies and other tracking technologies. Indirect collection is described in more detail in the section below called “How Musheer Uses Cookies and Similar Technologies.”

Related Consumers:
We may collect information about you from someone you know. For instance, if you are a shareholder in a business that is formed through Musheer, we may be given information about you in order to complete the formation.

Employers:
We may collect information about you from your employer if your employer has elected to provide you with employment benefits through Musheer. For instance, your employer will tell Musheer when you are first eligible to receive services from Musheer as part of your benefits.

Service Providers:
We may collect information about you from our Service Providers. As used in this Privacy Policy, Service Providers means entities that Musheer has contracted with to provide us with services to help fulfill our business needs. An example of the type of information that we may receive from a Service Provider is information about whether any Legal Mail has been received as part of our Registered Agent services. Service Providers may also assist us in collecting information both directly and indirectly from you.

Professionals (including Legal Plan Attorneys and other Professionals):
We may collect information about you from the independent professionals with whom you may schedule a consult with through our Legal Plan or other product offerings. An example of the type of information that we may receive from these professionals includes the fact that a consult has occurred. While we cannot control what information legal plan attorneys share with us, Musheer does not intend to collect any information from attorneys where the collection would result in a waiver of the attorney-client privilege.

Business Partners and Affiliates:
We may collect information about you from our business partners and affiliates. An example of the type of information that we may receive from business partners and affiliates is information about the product you purchased from them after you indicated an interest in an offer that Musheer presented to you.

Publicly/Commercially Available Information:
We may collect information related to you from publicly available sources of information, including government records, social media sites, and other commercially available sources of consumer information. Examples of the type of information we may collect from publicly available sources are whether your entity is in good standing with a State Department or whether you have recently expressed interest in purchasing a product that Musheer sells.

Unrelated Parties:
We may receive information related to you from people and entities with whom Musheer does not have a direct relationship. An example of the type of information that we may receive from unrelated third parties is documents that we receive on your behalf in our role as your Registered Agent.

How We Use the Information We Collect About Consumers.

We describe our commercial and business reasons for collecting information about customers in this area of the Privacy Policy. Musheer utilises the customer information it has obtained for the objectives indicated below. In some cases, we may mix information gathered from several sources in order to achieve these goals. Each kind of information that we collect may be used by Musheer for one or more of these objectives.

If Musheer desires to use information about you in a way that is inconsistent with the objectives described below in the future, we will seek your approval prior to the expanded use unless and until we are legally forced to do so.

Providing Products and Services:
Musheer collects information for the purpose of providing products and services. We may also use information to respond to inquiries from potential customers who are interested in learning more about our products and services. Examples of the types of uses of consumer information for these purposes include producing and delivering documents purchased by consumers, administering the Musheer website, and displaying content based on consumer preferences.

Security:
Musheer collects information for the purpose of ensuring that we maintain appropriate security over computer networks and our physical facilities. We may also collect information for the purposes of detecting fraud or other suspicious activities.

Meeting Legal Requirements:
Musheer collects information in order to meet our legal obligations. These obligations may include satisfying screening requirements prior to assisting with entity formations, maintaining records as required in our role as Registered Agent, or responding to subpoenas for information.

Marketing:
Musheer collects information for use in marketing to current and prospective customers. More information about how you can control the marketing you receive from Musheer is located in the sections “How Musheer Uses Cookies and Similar Technologies” and “How You Can Control The Information Musheer May Have About You.”

Product Development:
Musheer collects information for use in improving our existing products and developing new products.

Analytics:
Musheer collects information for use in performing various types of analytics. For example, Musheer uses information to analyze how visitors interact with our website, where visitors to our website arrive from and exit to, and gaining insights into the types of consumers that may be interested in our products and services. We may also use information to develop inferences from the information we collect regarding consumer preferences, characteristics, predispositions, behaviors, and attitudes.

Operational Purposes:
Musheer collects information for use for our operational purposes, and the operational purposes of our service providers and business partners. For instance, Musheer may use information for maintaining our website and other infrastructure, training and quality assurance, for conducting surveys or sweepstakes, to promote our brand, and to use in connection with our relationships with service providers and business partners. We may also use information collected as part of our talent acquisition activities to make employment decisions about prospective candidates.

Sharing with Business Partners:
Musheer collects information in order to provide business partners’ information in connection with consumers who have either expressed interest in hearing from the business partner or who have purchased a bundled product through Musheer.

Financial Reporting:
Musheer collects information for use in various types of financial reporting and other similar internal uses. Examples of the types of financial reporting that Musheer may use consumer information in connection with are internal budgets and projections, calculation of compensation, and reporting to investors.

Business Transfers:
If Musheer undertakes or is involved in any merger, acquisition, reorganization, sale of assets, bankruptcy, or insolvency event, then we may sell, transfer or share some or all of our assets, including information related to consumers in connection with the transaction or in contemplation of the transaction (such as conducting due diligence). If such an event occurs, your information may be treated like any other Musheer asset and sold, transferred, or shared with third parties, or used in ways not contemplated or permitted under this Privacy Policy. In this case, you will be notified via email and/or a prominent notice on our site of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information. In addition to the purposes listed above, Musheer may also use de-identified or aggregate data that is not capable of being linked to any individual consumer for additional purposes not listed above.

How We Share Consumer Information and Who We Share It With.

In this section of the Privacy Policy, we explain who we share consumer information with and under which circumstances we may do so. To learn more about which categories of information are shared with which third parties, please refer to the chart in the section below entitled Summary of Musheer’s Practices Regarding Consumer Information.

Service Providers:
Musheer may share information about consumers with Service Providers who assist us with completing the business purposes outlined in the “How We Use the Information We Collect About Consumers” section. These companies are not authorized to use the information we share with them for any other purpose other than providing services to Musheer or to you. Professionals (including Attorneys and other Professionals): Musheer may share consumer information with the independent professionals that can be accessed through products such as our legal plans and attorney-assisted products.

Business Partners and Affiliates: Musheer may share information with business partners and affiliates in limited circumstances. These include:

If you express interest in an offer made by a business partner, we may provide information about you in connection with the offer you have selected. If you later decide to opt-out from allowing Musheer to share your information with business partners for their marketing purposes, you may do so by contacting Customer Care at ask@musheer.com or +92-340-232-1111. To the extent that Musheer has already shared your information prior to your decision to opt-out, you may opt out from future marketing by contacting our business partners directly. When you purchase a product from us that is bundled with a product offered by one of our business partners, we will share information about you with those business partners so that they can provide you with the product or services included with your purchase. These companies are not authorized to use the information we share with them about you for their own marketing purposes without first asking for your permission.

 Employers:
Musheer may share information with employers who have elected to provide employment benefits through Musheer. This is done for operational purposes, such as verification of employee emails. Musheer does not share Personal Information that is collected during advice sessions with employers.

Related Consumers:
In limited circumstances, we may provide information about you to someone you know. For instance, we may provide information connected to your account with Musheer to your authorized contacts.

Government Entities:
Musheer may share information about consumers with government entities in order to fulfill the products purchased by our customers. Certain Personal Information becomes public record when documents are filed with the federal or state government, or with a court. For example, a corporation’s name, business address, and registered agent name become public information when its articles of incorporation are filed. A State Department or Body may publish this information to its website or provide this information to third parties for a fee. The Intellectual Property Organisation of Pakistan (the “IPO”) publishes the names and addresses of trademark registrants. This Privacy Policy does not cover these or similar third-party actions. Public Postings: Musheer may publicly share information about consumers, such as by displaying the information on our website or having the information published in publicly available media, in a limited number of circumstances.

We may share information publicly when it is necessary in order to fulfill a product that has been purchased by a customer. For example, in some states, fictitious business names, including the name and address of the business owner, must be published in a newspaper. We may display personal testimonials of satisfied customers received through email surveys on our website or other marketing. If you wish to update or delete your testimonial, you can contact us at ask@musheer.com.

When consumers leave us reviews either on the Musheer website, or on other publicly available websites, we may display these customer reviews on the Musheer website. If you provide a review that we display and wish to update or delete it, you can also contact us at ask@musheer.com. We will delete your review at your request or if, at our discretion, we choose not to update your review as requested.

Our website includes areas where users may interact with each other, including a question and answer section. Any information that is provided in these areas of our website may be publicly available. You should use caution when deciding whether to disclose your Personal Information in these areas of the site. To request removal of your information from our community forums, contact us at ask@musheer.com. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. When we collect publicly available information, we may share that information on our website. Registered Agent Requests: If you designate a person or company other than Musheer to serve as the registered agent for your business entity, Musheer may provide your name and contact information to that party, if the designee requests.

Required by Law:
Musheer may disclose consumer information as required by law, such as in response to a subpoena, a lawful request by a public authority, including to meet national security or law enforcement requirements, or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a legal request. Related Parties: Musheer may disclose consumer information with businesses controlling, controlled by, or under common control with Musheer. If Musheer is merged, acquired, or sold, or if some or all of our assets or equity are transferred, we may disclose or transfer consumer data in connection with the associated transactions. In addition to the circumstances listed above, Musheer may also share de-identified or aggregate data that is not capable of being linked to any individual consumer with additional entities not listed above.

How Musheer Uses Cookies and Similar Technologies.

This section expands on how Musheer uses internet technologies, such as cookies, to collect information about consumers.

Cookies:
Musheer and its partners may use the standard cookie feature of major browser applications and third-party service providers, including Google Analytics features (Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration and Google Analytics Demographics and Interest Reporting), or employ internally developed cookies and tracking codes, that allow Musheer to store a small piece of data on a visitor’s computer, or any other device a visitor uses to access our website, about his or her visit to the website or use of other plug-ins exchanging information with Musheer. We also use similar technologies, such as JavaScripts or ETags, to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. You can remove persistent cookies by following directions provided in your Internet browser’s “help” directory.

You may also control which cookies are placed on your browser when you visit Musheer’s website through our cookie preference centre. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such order forms, will be limited. 

Web Beacons:
We employ a software technology called clear gifs (a.k.a. web beacons), that help us track referrals from our partners and affiliates and better manage content on our website. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence.

3rd Party Tracking:
The use of tracking technologies by our service providers, technology partners or other 3rd party assets (such as social media links) on the site is not covered by our Privacy Policy. These 3rd parties may use cookies, clear gifs, images, and scripts to help them better manage their content on our site. We do not have access or control over these technologies.

Partner and Affiliate Tracking:
Our partners and affiliates, including Google Analytics (Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, and Google Analytics and Interest Reporting), may use cookies and web beacons to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests. This means that these partners and affiliates may show our ads on sites across the Internet based upon your previous visits to our website. Together with our partners and affiliates, we may use these cookies and web beacons to report how your ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to your visits to our site.

Third Party Links

Third-Party Websites.
Musheer may maintain links to other websites and other websites may maintain links to Musheer’s websites. This Privacy Policy applies only to Musheer.com and not to other websites accessible from Musheer or that you use to access Musheer, each of which may have privacy policies materially different from this Privacy Policy. If you visit other websites, Musheer is not responsible for the privacy practices or content of those sites. It is your responsibility to review the privacy policies of non-Musheer websites to confirm that you understand and agree with them.

Social Media Widgets:
Our website includes social media features, such as the Facebook “like” button and widgets, such as the “Share this” button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our website. Your interactions with these features are governed by the privacy policy of the company providing it.

How You Can Control The Information Musheer May Have About You.

This section describes how you can access and control the information that Musheer may have about you. It applies to all consumers worldwide, including individuals who have purchased from Musheer or who believe that information about them may have been provided to us by a third party. Depending on where you reside, you may have additional rights beyond what is described in this section.

Confirmation of Possession of Information Related to You. Upon a verified request, and subject to the privacy interests of others and technical limitations, Musheer will provide you with information about whether we hold any information related to you. At Musheer’s sole discretion, unless otherwise required by law, we may in some instances correct or delete information upon a verified request. Please note, however, that in certain circumstances we may be required by law to retain your Personal Information, or may need to retain your Personal Information in order to continue providing a product or service to you or another customer. If you would like to submit a request about your data, you may do so by completing the form located here, or by calling us at +923-402-321-111. After you submit the request, you will be asked to verify your email address and may also be asked to provide additional information in order to verify your identity.

User and Authorized Contact Access to Order Information. Musheer will give you, or anyone listed as an authorized contact for your account, information about your order. This may include information about the nature and status of your order, information you provided to process your order, payment information, and contact information. If you want someone to have access to your order, you must list him or her as an authorized contact or they may not obtain information. You can confirm who is listed as an authorized contact for your account, add new authorized contacts, or remove authorized contacts by clicking first on “My Account”, and then on “Account Information”. We may send a confirmation email to your authorized contact(s), alerting them that they have been added as an authorized contact. For some products, we may provide information about your order to other individuals named in the order, such as executors named in a last will. For product-specific information about who may request information about your order, please contact Customer Care at ask@musheer.com or +923-402-321-111.

User Access to and Ability to Update Personal Information through MyAccount. You may visit your personal account profile at any time by clicking on the “My Account” link, which will take you to the following URL: https://app.musheer.com/. Through My Account, you may: (i) review and update basic information about you; (ii) complete pending orders; and (iii) begin new orders.

Opting Out of Email:
We send promotional emails and newsletters from time to time to consumers who have provided us with their email address or whose email addresses we have obtained through other sources. You can opt-out of promotional communications by using the “Unsubscribe” link and following the unsubscribe instructions in an email you receive from us or by emailing us at ask@musheer.com. We may also send service-related or transactional communications, which are not promotional. Generally, you may not opt-out of these communications. If you do not wish to receive service-related communications, you may terminate your account by contacting us at ask@musheer.com or +923-402-321-111.

Opting Out of Marketing Calls:
If you wish to be placed on Musheer’s internal “Do Not Call,” you can tell us either while speaking to us on the phone or by emailing us at ask@musheer.com. Opting Out of SMS/Text Messages. If you wish to stop receiving SMS or text messages from Musheer you can let us know by replying STOP to any SMS/text that you receive from us. You may also let us know by emailing or calling us at ask@musheer.com or +923-402-321-111.

Data Retention:

At minimum, we will retain your information for as long as needed to provide you services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Musheer may maintain some or all of this data in its archives even after it has been removed from the Site.

Information Processed On Behalf of Third Parties

In some instances, Musheer may process Personal Information on behalf of third party affiliates. Musheer acknowledges that in these instances, you have the right to access your Personal Information. Where Musheer has no direct relationship with the individuals whose Personal Information it processes, individuals seeking access, or seeking to correct, amend, or delete inaccurate data, should direct their inquiry to the third party affiliate (the data controller).

How Secure Is the Personal Information We Collect?

Our Commitment to Data Security:

We strive to make certain that our servers and connections incorporate the latest encryption and security devices. We have implemented physical, electronic, and managerial procedures to safeguard and secure the information we collect. Credit card and Personal Information are transmitted by secure servers (TLS). Documents are delivered to you via TCS or similar delivery services, the Pakistan Post, or electronically, including through online storage platforms or email. Unfortunately, no data transmission is guaranteed to be 100% secure and we therefore cannot guarantee the security of information you transmit to or from our website or through the use of our services, and you provide this information at your own risk. ACCORDINGLY, WE DISCLAIM LIABILITY FOR THE THEFT, LOSS, OR INTERCEPTION OF, OR UNAUTHORIZED ACCESS OR DAMAGE TO, YOUR DATA OR COMMUNICATIONS BY USING OUR WEBSITE AND OUR SERVICES. YOU ACKNOWLEDGE THAT YOU UNDERSTAND AND ASSUME THESE RISKS.

IF YOU BELIEVE YOUR PRIVACY HAS BEEN BREACHED PLEASE CONTACT US IMMEDIATELY AT +923-402-321-111. Enforcement. We periodically review this Privacy Policy and our compliance with it to verify that both are accurate. We encourage you to contact us with any concerns, and we will investigate and attempt to resolve any complaints and disputes about our privacy practices. Changes To This Policy.

We may update this privacy policy to reflect changes to our information practices. If we make any material changes, a notice will be posted on this page along with the updated Privacy Policy prior to the change becoming effective. We encourage you to review this page periodically for the latest information on our privacy practices. If you have any questions regarding our Privacy Policy, please contact us by submitting your question through our Privacy web form, located here, using the information below.

Mailing Address:
ask@musheer.com
Last Updated: 21 September 2022