PRIVATE POLICY

TERMS OF USE

Please read this page before using my website.

Updated: August 16, 2018

 

Disclaimer & Disclosure:

All information contained in this blog, finsavvypanda.com, is for entertainment and general information purposes only. While I attempt to keep all information on this blog accurate and up to date, it may not be appropriate for your specific circumstances. If you use any information on this website, I assume no responsibility and will not be held liable for any losses, injuries, or damages. Any reliance you place on the information from this website will be strictly at your own risk.

While I write about “personal finance” and “financial planning” topics, I am not a certified financial advisor or a financial planner. I am just a fun and cute panda who loves talking about money and finances. You should not treat any information on this blog as professional advice. Before making any financial decisions, please consult a professional advisor or planner.

 

Private Policy:

Finsavvypanda.com is committed to protecting your privacy when you visit our website. You can access finsavvypanda.com and browse our site without disclosing any of your personal data. Finsavvypanda.com does not collect personal information about individuals such as names and mailing or e-mail addresses unless it is provided by the individual and he or she has agreed to the terms under which finsavvypanda.com will use it.

 

What information do we collect and how do we use it?

 

Information You Voluntarily Submit to the Website: We may collect personal information from you such as your name or email address. For example, you may voluntarily submit information to the website by leaving a comment, subscribing to a newsletter, or submitting a contact form.

 

Information We Collect from Others: We may receive information about you from other sources.  You may link your Facebook, Instagram, and/or Google accounts within blog comments. If you choose to link your Facebook, Instagram, and/or Google accounts to your user profile, we will receive your name, email address and profile picture associated with that account.

 

Automatically-Collected Information: We automatically collect certain information about you and the device with which you access the website. For example, when you use the website, we will log your IP address, operating system type, browser type, referring website, pages you viewed, and the dates/times when you accessed the Website. We may also collect information about actions you take when using the website, such as links clicked.

 

Cookies: We may receive information from cookies which are small data files stored on your browser by the website. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

 

Advertising partners and other third parties may also use cookies, scripts and/or web beacons to track visitors to our site in order to display advertisements and other useful information. Such tracking is done directly by the third parties through their own servers and is subject to their own privacy policies.

 

How your personal information may be used:

We may use the information collected in the following ways:

– To operate and maintain the website;

– To create your account, identify you as a user of the website, and customize the website to your account;

– To send you promotional information, such as newsletters. Each email promotion will provide information on how to opt-out of future mailings;

– To send you administrative communications, such as administrative emails, confirmation emails, technical notices, updates on policies, or security alerts;

– To respond to your comments or inquiries;

– To provide you with user support;

– To track and measure advertising on the Website;

– To protect, investigate, and deter against unauthorized or illegal activity.

 

Third-party use of personal information:

We may share your information with third parties when you explicitly authorize us to share your information.

Additionally, the Website may use third-party service providers to service various aspects of the Website. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies.

 

The Website currently uses the following third-party service providers:

Google Analytics: this service tracks Website usage and provides information such as referring websites and user actions on the Website. Google Analytics may capture your IP address, but no other personal information is captured by Google Analytics.

Mail Chimp: this service is used for delivery of email updates and newsletters. We store your name and email address for purposes of delivering such communications.  Please refer to Mail Chimp’s privacy policy for further information.

 

At this time, your personal information is not shared with any other third-party applications. This list may be amended from time to time in the Website’s sole discretion.

Except when required by law, we will not sell, distribute, or reveal your email addresses or other personal information without your consent; however, we may disclose or transfer personal information collected through the Website to third parties who acquire all or a portion of our business, which may be the result of a merger, consolidation, or purchase of all or a portion of our assets, or in connection with any bankruptcy or reorganization proceeding brought by or against us.

 

Anonymous data:

From time to time, we may use anonymous data, which does not identify you alone, or when combined with data from other parties. This type of anonymous data may be provided to other parties for marketing, advertising, or other uses. Examples of this anonymous data may include analytics or information collected from cookies.

 

Publicly visible information:

If you leave a comment on the Website, certain information may be publicly visible.  Your email address will never be available publicly.  At your option, you may also add an avatar, a profile description, and a link to your website.

You may also choose to link your Facebook, Instagram, and Google Account.

Users may see your username, avatar, profile description and website information.

 

Cookies:

The Website uses cookies to store visitors’ preferences, record user-specific information on what pages users access or visit, ensure that visitors are not repeatedly sent the same banner ads, customize Website content based on visitors’ browser type or other information that the visitor sends. Cookies may also be used by third-party services, such as Google Analytics, as described herein.

Users may, at any time, prevent the setting of cookies, by the Website, by using a corresponding setting of your internet browser and may thus permanently deny the setting of cookies. Furthermore, already set cookies may be deleted at any time via an Internet browser or other software programs. This is possible in all popular Internet browsers. However, if users deactivate the setting of cookies in your Internet browser, not all functions of our Website may be entirely usable.

 

Advertising:

Display Ads

We may use third-party advertising companies to serve content and advertisements when you visit the Website, which may use cookies, as noted above.

The Website uses Mediavine to manage all third-party advertising on the Website. Mediavine serves content and advertisements when you visit the Website, which may use cookies. Mediavine may collect IP addresses and location to serve personalized ads.  If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit http://www.networkadvertising.org/managing/opt_out.asp.

 

Retargeting Ads 

From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Facebook, or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone’s past visits to the Website.

Affiliate Program Participation

The Website may engage in affiliate marketing, which is done by embedding tracking links into the Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

Finsavvy Panda is 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 links to Amazon.com.  As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commission on these sales.

 

Newsletters:

On the Website, you may subscribe to our newsletter, which may be used for advertising purposes. All newsletters sent may contain tracking pixels. The pixel is embedded in emails and allows an analysis of the success of online marketing campaigns. Because of these tracking pixels, we may see if and when you open an email and which links within the email you click. Also, this allows the Website to adapt the content of future newsletters to the interests of the user. This behavior will not be passed on to third parties.

 

Rights related to your personal information:

Opt-out: You may opt-out of future email communications by following the unsubscribe links in our emails. You may also notify us at finsavvypanda@gmail.com to be removed from our mailing list.

Access: You may access the personal information we have about you by submitting a request to finsavvypanda@gmail.com.

Amend: You may contact us at finsavvypanda@gmail.com to amend or update your personal information.

Forget: In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request to finsavvypanda@gmail.com.

Please note that we may need to retain certain information for recordkeeping purposes or to complete transactions, or when required by law.

 

Sensitive personal information:

At no time should you submit sensitive personal information to the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships. If you elect to submit such information to us, it will be subject to this Privacy Policy.

 

Children’s information:

The Website does not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that the Website has personally identifiable information of a child under the age of 16 in its database, please contact us immediately at finsavvypanda@gmail.com and we will use our best efforts to promptly remove such information from our records.

 

Acceptance of Terms:

Through the use of this website, you are hereby accepting the terms and conditions stipulated in the aforementioned Privacy Policy agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of this site. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you are in agreement and acceptance of such changes.

 

Changes of Terms:

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Website.

Your continued use of the Website following the posting of revised terms means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

 

Contact Me:

If you have any questions or comments, please feel free to email me at finsavvypanda@gmail.com.