Privacy Policy

Last Updated: 5/23/2018

Smart Penny Pincher (“Smart Penny Pincher”) operates SmartPennyPincher.com and may operate other websites. It is Smart Penny Pincher’s policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors

Like most website operators, Smart Penny Pincher collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Smart Penny Pincher’s purpose in collecting non-personally identifying information is to better understand how Smart Penny Pincher’s visitors use its website. From time to time, Smart Penny Pincher may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Smart Penny Pincher also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on SmartPennyPincher.com. Smart Penny Pincher only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to Smart Penny Pincher’s websites choose to interact with Smart Penny Pincher in ways that require Smart Penny Pincher to gather personally-identifying information. The amount and type of information that Smart Penny Pincher gathers depends on the nature of the interaction. For example, we ask visitors who sign up at SmartPennyPincher.com to provide a username and email address. Those who engage in transactions with Smart Penny Pincher are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Smart Penny Pincher collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Smart Penny Pincher. Smart Penny Pincher does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact Forms

If you contact us through a form, we will use the information to contact you but it will not be used for marketing purposes.

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Aggregated Statistics

Smart Penny Pincher may collect statistics about the behavior of visitors to its websites. Smart Penny Pincher may display this information publicly or provide it to others. However, Smart Penny Pincher does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Smart Penny Pincher discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Smart Penny Pincher’s behalf or to provide services available at Smart Penny Pincher’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Smart Penny Pincher’s websites, you consent to the transfer of such information to them. Smart Penny Pincher will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Smart Penny Pincher discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Smart Penny Pincher believes in good faith that disclosure is reasonably necessary to protect the property or rights of Smart Penny Pincher, third parties or the public at large. If you are a registered user of an Smart Penny Pincher website and have supplied your email address, Smart Penny Pincher may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Smart Penny Pincher and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Smart Penny Pincher takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Who we share your data with

We do not share any personally identifying information with anyone.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

How we protect your data

We protect your data by technical measures such as encryption; security measures such as two factor authentication; and measures such as staff training in data protection.

What data breach procedures we have in place

In the event of a data breach we have internal reporting systems and contact mechanisms in place in order to notify you.

Cookies

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Smart Penny Pincher uses cookies to help Smart Penny Pincher identify and track visitors, their usage of Smart Penny Pincher website, and their website access preferences. Smart Penny Pincher visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Smart Penny Pincher’s websites, with the drawback that certain features of Smart Penny Pincher’s websites may not function properly without the aid of cookies.

Business Transfers

If Smart Penny Pincher, or substantially all of its assets, were acquired, or in the unlikely event that Smart Penny Pincher goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Smart Penny Pincher may continue to use your personal information as set forth in this policy.

Ads

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Smart Penny Pincher and does not cover the use of cookies by any advertisers.

We may place ads on our site through Google such as AdSense. Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visit to this site and/or other sites on the Internet.

Users may opt out of personalized advertising by visiting Google’s Ad Preferences.

We may also use other 3rd party vendors or to place ads such as DoubleClick by Google. DoubleClick placess a cookie on your computer when you are browsing the web and visit a site using DoubleClick advertising (including some Google AdSense advertisements). This cookie is used to serve ads specific to you and your interests (”interest based targeting”).

The ads served will be targeted based on your previous browsing history (For example, if you have been viewing sites about visiting New York, you may see New York hotel advertisements when viewing a non-related site, such as on a site about hockey). DoubleClicks uses “non personally identifiable information”. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers.

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added.

You can opt-out of of some third-party vendors’ uses of cookies for personalized advertising by visiting About Ads.

Third party vendors such as Google have their own privacy policies. To understand how Google uses data collected on this site, see How Google uses data when you use our partners’ sites or apps.

Privacy Policy Changes

Although most changes are likely to be minor, Smart Penny Pincher may change its Privacy Policy from time to time, and in Smart Penny Pincher’s sole discretion. Smart Penny Pincher encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a SmartPennyPincher.com account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.