Effective as of October 11, 2022
By using the Site, you explicitly accept, without limitation or qualification, our practices surrounding the collection, use, and sharing of personal information provided by you in the manner described in this Policy Page. If you do not agree with the terms on this Policy Page, please do not access, browse, or use this Site.
We encourage you to review this Policy Page whenever you use or access the Site to stay informed about our personal information practices and the ways you can help protect your privacy.
Email address: email@example.com
It is very important that the information we hold about you is accurate and up to date. Please let us know if any time your personal information changes by emailing us at firstname.lastname@example.org.
A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.
Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. Please consult your browser instructions for information about how to delete or block cookie usage.
Please note that blocking cookies may have a negative impact on the functions of many websites, including our Site. Some features of the Site may cease to be available to you.
Our Site may use third-party Data Processors (for example the Facebook Pixel or the Pinterest Tag) to automatically link your personal information with your user profiles on those sites. As a Data Controller we will not have access to your personal information, but we may utilize their respective advertising platforms to disseminate our content to you in the future.
Our Site is affiliated with Google Adsense for the purposes of placing advertising on the Site. Google Adsense uses standard and widely-available tools for the placement and serving of ads. We publish interest-based advertisements on the Site; that is, ads that are tailored to reflect your interests. To help understand your interests Google and our other advertising partners will track your behavior on our website and on other websites across the Internet using cookies.
We may collect your email address, but only if you voluntarily provide it to us. This may occur, for example, if you sign up to receive an email newsletter, or enter a promotion. We will use your email address for the purposes for which you provided it to us, and also from time to time to send you emails regarding the Site or other products or services that we believe may be of interest to you. You may opt-out of such email communications at any time by clicking the “unsubscribe” button in the email.
Your email address may also be shared with the technology provider we use in connection with the purposes for which you provided it, and that technology provider may also contact you from time to time.
If you are a resident of a country in the European Economic Area (EEA), please refer to the sub-section below entitled “Additional Rights of EEA Residents.”
We may collect other information from you if/when you register with our Site in order to use various features. Such information could include your name, birthday, postal code, screen name, and password (if applicable). As you use the Site, we could collect other data that you provide voluntarily (such as comments that you post).
We may also collect information about you through other methods, including research surveys, social media platforms, verification services, data services, as well as public sources. We may combine this data with your registration data in order to maintain a more thorough profile.
We may use third parties to provide the functionality to allow you to register for, or otherwise enhance (plugins), our Site; in this case the third party will also have access to your information. Otherwise, we will not provide any personally-identifying information about you to third parties, except if required by law.
We may use your personally-identifying information for a variety of our internal business purposes, such as creating a better user experience for the Site, diagnosing and troubleshooting malfunctions on the Site, better understanding how the Site is used, and making personalized recommendations to you.
If you are a resident of a country in the European Economic Area (EEA), please refer to the section below entitled “Additional Rights of EEA Residents.”
If you are a resident of a country in the EEA, you have the rights, among others, to:
(i) access your personal data
(ii) ensure the accuracy of your personal data
(iii) the right to have us delete your personal data
(iv) the right to restrict further processing of your personal data, and
(v) the right to complain to a supervisory authority in your country of residence in the event that data is misused
If you believe that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your residence, your place of work or the place of the alleged infringement.
You may exercise any of your rights in relation to your personal data by electronic notice to us addressed to the following:
We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act). We do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older. We recommend that anyone under 18 years of age participate and use our website, products or services only with parental permission and supervision.
We do not intend to collect any personal information from children under the age of 18. If a parent or guardian of a child who has provided us with such personal information would like the information deleted from our records, he or she should contact us at the email address listed at the top of this policy page. We will then delete the child’s personal information (if any) from our records.
This website contains links to products and/or pages for which we receive financial compensation. We may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant. You are not obligated to click on any link or buy any products that are advertised. Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs, or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers. This site is also a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
While we have strict editorial standards on objectivity, affiliate relationships may influence which products and services we cover, and may even affect the order that those links appear. This disclosure is provided in accordance with the Federal Trade Commission’s 16 CFR § 255.5: Guides Concerning the Use of Endorsements and Testimonials in Advertising.
Use of any publication is at your own risk. You are responsible for your personal finances and should not rely on this site or any information found on this site to make your final decision. This blog merely provides opinions based on the content author’s experiences and personal knowledge. You are responsible for any actions you take by reading any of the content in the blog.
The information contained in this blog is for informational purposes only and is not intended to be used as a substitute to obtain professional financial advice. Seek professional advice prior to acting on any information you may find and read in this blog.
You are responsible for your own personal finance actions. Under no circumstances that the authors, contributors, owners, and partners of this blog are not responsible for the accuracy or completeness contained in this blog, even though we attempt to bring accurate information. Therefore, the authors, contributors, owners, and partners of this blog neither absolutely make warranties nor promises nor accept responsibility for any liability, injury, or damage that may cause you when using any information contained in this blog.
We do not make promises that our blog content or service will be provided to you timely, secure, or error-free. Under no circumstances should any information from this blog is to be used as a replacement for professional financial advice.
In the event that the Site or substantially all of its assets is sold or disposed of as a going concern, whether by merger, sale of assets or otherwise, or in the event of an insolvency, bankruptcy or receivership, the information we have collected about you may be one of the assets sold or merged in connection with that transaction.
We may change our Policy Page from time to time. The most recent version of our Policy Page will always be posted on the Site, with the “Effective Date” posted at the top of the page.
We may revise and update our Policy Page if our practices change, as technology changes, or as we add new services or change existing ones.
If we make any material changes to our Policy Page or how we handle your personal information, or we are going to use any personal information in a manner that is materially different from that stated in our Policy Page at the time we collected such information, we will reasonably attempt to notify you of such changes. By continuing to use our Site or services after the Effective Date, you are deemed to consent to our then-current policies.