Last Updated: December 13, 2018
1. Third-Party Websites
Via the Services, we feature a wide range of advertising and promotional displays and links to the websites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Services. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link on our website pages, is subject to that website's own terms and policies. When you access a linked site, you may be disclosing private information. It is your responsibility to keep such information private and confidential.
2. Personal Information
We may collect personally identifiable information from Users in a variety of ways, including, but not limited to, when Users visit our site and in connection with other activities, services, features or resources we make available via our Services. We may require Users who use the Services to give us contact information, which may include but is not limited to the User's name, residential, business and/or mailing address, phone numbers, email address, and payment account information (collectively "Personal Information"). From time to time, we may also collect or ask for additional Personal Information including financial information concerning your creditors and financial accounts and related activities by you, and profile/membership information such as demographic information, credit, identity and other personal profile data that you provide about yourself when you visit our website, register, or use our Services, which will also be expressly included herein as Personal Information. You can opt out of providing this additional information by not entering it or not using the Services, although not providing it may hinder your ability to use the Services or certain features and tools of the Services. The following are examples of situations where we collect Personal Information from Users:
3. Non-personally Identifiable Information
We may collect non-personally identifiable information ("Non-Personal Information") about Users whenever they interact with our websites, web pages, applications or platforms. Non-Personal Information may include the browser name, the type of computer and technical information about Users means of connection to the Services, such as the operating system and the Internet service providers utilized and other similar information. We may collect and share non-personal identification information to generate anonymized data and statistics about the behavior of Users of our websites, web pages, applications or platforms to analyze the usage of those websites, web pages, applications or platforms. We use third-party analytics tools to help us measure traffic and usage trends for the Services. These tools collect information sent by your browser or mobile device as part of a web page/mobile application request, including the web pages you visit, your browser/device features, and other information that assists us in improving the Services. We collect and use this analytics information in aggregate form such that it cannot reasonably be manipulated to identify any particular User.
4. Automated Collection of Information
MoneyTips may use web beacons via the Services. A web beacon is programming code that can be used to display an image on a web page (by using a programming function), but can also be used to transfer an individual's unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows MoneyTips to track certain websites an individual visits online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. MoneyTips also uses web beacons in email messages sent to individuals listed in our database.
MoneyTips uses a common technology known as a "Clear GIF" or "1-by-1 Pixel" on our websites and in e-mail communications with users. A Clear GIF or "graphic interface format" is a small graphic (in fact, truly a 1x1 pixel) that we (or our partners) place on a page of our websites. We may also occasionally place GIFs in e-mail messages that we send to users. GIFs, which do not contain any Personal Information of users, provide us with important information about how users use the Services and respond to e-mail messages. With this information, we are better able to track the performance of certain promotions and understand the effectiveness of particular creative Email presentations. We may also allow our advertisers and promotional partners the ability to use GIFs on our websites solely to track users who link from their respective websites to our websites, but this ability to track such activity does not allow these entities access to user's Personal Information.
MoneyTips tracks information related to the electronic mailings and web pages viewed by users and subscribers, as well as the hyperlinks clicked by subscribers, while viewing our emails or visiting our websites. Log files are used to track and monitor subscriber usage. We collect your IP (Internet Protocol) address to help diagnose problems with our server, to gather information on your proximity to improve your experience using the Services and to administer the Services. An IP address is a number that is assigned to your computer when you use the Internet. Your IP address is also used to help identify you during a particular session and to gather broad demographic data. MoneyTips may receive information about individuals from Third Parties or from other sources of information outside of our websites including information located in public databases. The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is MoneyTips' use of new and evolving technology. As a result, MoneyTips strongly encourages individuals to revisit this policy for any updates regarding its use of technology.
California Disclosure re: Do Not Track Signals from Web Browsers and Mobile Devices: Our websites are not presently configured to support Do Not Track ("DNT") signals from web browsers or mobile devices.
5. How We Use Collected Information
The primary reasons we collect personal information are to (1) enroll you in our Membership program, (2) provide products and services that you have requested and (3) promote products and services to you. In particular, MoneyTips may collect and use User's Personal Information for the following purposes:
We may also use the information to contact you to further discuss interest in us, the goods and services that we provide or promote, and to send information regarding our company or partners, such as promotions and events. You may be invited to receive an email newsletter or other correspondence by providing an email address. Your email address and any Personal Information will not be distributed or shared with third parties unless it is to transact such business as you have contracted us to do, to comply with any legal processes and/or law enforcement requests, or in order to conduct any business as we, in our sole subjective discretion, deem reasonable. We may also email (or send via other methods) information regarding updates to the Services or MoneyTips, and may send a newsletter, or other correspondence.
We may use the email address to respond to User inquiries, questions, and/or other requests. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email. Even if you are removed from any such list, if you use the Service, you will continue to receive email correspondence from MoneyTips related to the Service. Any opt-out by you is not deemed valid until processed by MoneyTips. It is your obligation to verify that you have been opted-out. MoneyTips shall not be liable for problems with the opt-out procedures.
For personal data that is subject to General Data Protective Regulation 2016/679 (“GDPR”), we rely on several legal bases to use and process your personal data, which include (i) when you have given consent, which you may withdraw at any time by accessing your Account settings; (ii) when data processing is necessary to perform a contract with you, such as the Terms and Conditions , and (iii) our legitimate business interests, such as improving and personalizing the Services, marketing new features or products that may be ofinterest to you, and promoting safety and security of the Service and our Customers.
6. How We Protect Your Information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our websites.
Sensitive and private data exchange between our websites and Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.
However, please note that data that is transported over an open network, such as the Internet or e-mail, may be accessible to anybody. We cannot guarantee the confidentiality of any communication or material transmitted via such open networks. When disclosing any personal information via an open network, you should remain mindful of the fact that it is potentially accessible to others, and consequently, can be collected and used by others without your consent. In particular, while individual data packets are often encrypted, the names of the sender and recipient are not. A third party may therefore be able to trace an existing bank account or relationship or one that is subsequently created. Even if both the sender and recipient are located in the same country, data may also be transmitted via such networks to other countries regularly and without controls, including to countries that do not afford the same level of data protection as your country of domicile.
Your data may be lost during transmission or may be accessed by unauthorized parties. We do not accept any liability for direct or indirect losses as regards the security of your Personal Information or data during its transfer via Internet. Please use other means of communication if you think this is necessary or prudent for security reasons.
7. Sharing Your Personal Information
We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. In addition to the use of information described above, MoneyTips reserves the right to disclose information provided by Users (including Personal Information) as follows:
8.Your Choices on Sharing of Information:.
You have choices with regard to marketing communications and data sharing. Regardless of how you access our services, you can opt-out of receiving marketing communication from us (and our joint marketing partners) or from our sharing your personal information with third parties for their own marketing by contacting us at: unsubscribe@MoneyTips.com.
You may opt-out of receiving promotional telephone calls from us by asking the operator to place you on our do not call list or by informing Customer Service that you wish to opt out of telemarketing calls. When contacting Customer Service, please provide your complete name, address and telephone number and send an email to email@example.com. Also, you may opt-out of email marketing, by following the opt-out instructions included in every commercial email we send. You may also opt out by contacting Customer Service with your name and email address.
Please note that we may continue to communicate with you regarding your Membership and Actions you take.
If you live in the European Economic Area, United Kingdom, and Switzerland (“Designated Region”), you have several legal rights regarding your information as discussed below.
Accessing Data.You may access your personal information by signing into your account.From there you can correct or modify your information.
Exporting Data.If you live in the Designated Region, by logging into your account, you may access your personal information and you can also download your personal information in a common file format.
Deleting Data.If you live in the Designated Region, you can change or delete your personal information in your account settings.Additionally, you may delete your account if you wish.We will use commercially reasonable efforts to honor your requests for deletion, but certain information will actively persist on the Site even if you close your account, including messages you posted on our Service.In addition, personal information may remain in our archives and information you update or delete, or information within a closed account, may persist internally for our administrative purposes, legal compliance reasons, to the extent permitted by law.In addition, we typically do not remove information you posted publicly through or on our Service.
Objecting or Restricting Data Use.In your account settings, you have options to control our use of your data.You may limit how your information is visible to other users or made publicly available; and limit the notifications or emails you receive from us.Please note that should you opt-out of receiving notifications or emails from us, you will still receive administrative messages from us.If you are receiving texts sent via the Service and you wish to opt out, reply STOP to any such message, or send an email with your cell phone number and the subject line “Opt-Out” to firstname.lastname@example.org.
We keep your information, such as your name, email address and phone number for as long as you keep your account in existence.In some instances, we will delete the information you provide to us after it is no longer needed.We also keep information about you and your use of the Service for long as it is necessary for our legitimate business interests, for legal reasons, and to prevent harm to you, any third party, or us.
10. For Users in California Only
Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: customercare@MoneyTips.com or by mail to California Privacy Information c/o MoneyTips, 11801 Mississippi Ave., Suite 100, Los Angeles, CA 90025. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to email@example.com.
11. For Users Outside of the United States Only
We do not knowingly allow any users under the age of eighteen (18) to use or otherwise access the Services or our websites. We do not seek any personal information (or any information at all) from any persons under 18 years old. Because we do not intentionally collect any information from children under the age of 18, we also do not knowingly share or disclose such information to third parties. If you are under 18 years old, you may not use the Services. If you have reason to believe that a child under 18 years of age has provided us with information, please contact us at firstname.lastname@example.org.
As our business changes, we may need to revise our privacy practices. If we make any material changes to this privacy notice, we will notify all of our Members (and former Members or non-Members, if affected by the change) and provide you with the opportunity to opt-out of having your information handled in accordance with the new policy.
By using the Services, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Services. Your continued use of the Services following the posting of changes to this policy will be deemed your acceptance of those changes.
17. Legal Disclaimer
18. Questions & Contact Information