Privacy Policy

A. Introduction

The privacy of our website visitors is very important to us, and we are committed to safeguarding it. This policy explains what we will do with your personal information.

Consenting to our use of cookies in accordance with the terms of this policy when you first visit our website permits us to use cookies every time you visit our website.

B. Credit

This document was created using a template from SEQ Legal (seqlegal.com) and Trust Guard (www.trust-guard.com), and modified by Coffee All The Time (coffeeallthetime.com)

C. Collecting personal information

The following types of personal information may be collected, stored, and used:

• information about your computer including your IP address, geographical location, browser type and version, and operating system
• information about your visits to and use of this website including the referral source, length of visit, page views, and website navigation paths
• information, such as your email address, that you enter when you register with our website
• information, such as your email address, that you enter in order to set up subscriptions to our emails and/or newsletters
• information that you enter while using the services on our website
• information that is generated while using our website, including when, how often, and under what circumstances you use it
• information that you post to our website with the intention of publishing it on the internet, which includes your username, profile pictures, and the content of your posts
• information contained in any communications that you send to us by email or through our website, including its communication content and metadata
• any other personal information that you send to us.

Before you disclose to us the personal information of another person, you must obtain that person’s consent to both the disclosure and the processing of that personal information in accordance with this policy.

D. Using your personal information

Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website. We may use your personal information for the following:

• administering our website and business
• personalizing our website for you
• enabling your use of the services available on our website
• sending you our email newsletter, if you have requested it (you can inform us at any time if you no longer require the newsletter)
• providing third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information)
• dealing with inquiries and complaints made by or about you relating to our website
• verifying compliance with the terms and conditions governing the use of our website
• other uses

If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the license you grant to us.

We will not, without your express consent, supply your personal information to any third party for their or any other third party’s direct marketing.

E. Disclosing personal information

We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers, or subcontractors as reasonably necessary for the purposes set out in this policy.

We may disclose your personal information:

• to the extent that we are required to do so by law
• in connection with any ongoing or prospective legal proceedings
• in order to establish, exercise, or defend our legal rights
• to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling
• to anyperson who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

Except as provided in this policy, we will not provide your personal information to third parties.

F. International data transfers

Information that we collect may be stored, processed in, and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy.

Information that we collect may be transferred to the United States of America, which does not have data protection laws equivalent to those in force in the European Economic Area.

Personal information that you publish on our website or submit for publication on our website may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.

You expressly agree to the transfers of personal information described in this Section F.

G. Retaining personal information

This Section G sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations regarding the retention and deletion of personal information.

Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

Without prejudice to article G-2, we will usually delete personal data falling within the categories set out below at the date/time set out below:

• personal data type will be deleted 26 months after collection.

Notwithstanding the other provisions of this Section G, we will retain documents (including electronic documents) containing personal data:

• to the extent that we are required to do so by law
• if we believe that the documents may be relevant to any ongoing or prospective legal proceedings
• in order to establish, exercise, or defend our legal rights.

H. Security of your personal information

We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your personal information.

We will store all the personal information you provide on our secure (password- and firewall-protected) servers.

You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

I. Amendments

We may update this policy from time to time by publishing a new version on our website. You should check this page occasionally to ensure you understand any changes to this policy. We may notify you of changes to this policy by email.

J. Your rights

You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to the following:

• the payment of a fee of $20 USD
• the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a notary plus an original copy of a utility bill showing your current address.
  We may withhold personal information that you request to the extent permitted by law.

K. Third party websites

Our website includes hyperlinks to, and details of, third party websites. We have no control over, and are not responsible for, the privacy policies and practices of third parties.

L. Updating information

Please let us know if the personal information that we hold about you needs to be corrected or updated.

M. Cookies

Our website uses cookies. 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.

The names of the cookies that we use on our website, and the purposes for which they are used, are set out below:
we use Google Analytics, ComScore, Quantcast, and Akismet on our website to recognize a computer when a user visits the website / track users as they navigate the website / improve the website’s usability / analyze the use of the website / administer the website / target advertisements which may be of particular interest to specific users.

Most browsers allow you to refuse to accept cookies—for example:

• in Internet Explorer (version 10) you can block cookies using the cookie handling override settings available by clicking “Tools,” “Internet Options,” “Privacy,” and then “Advanced”
• in Firefox (version 24) you can block all cookies by clicking “Tools,” “Options,” “Privacy,” selecting “Use custom settings for history” from the drop-down menu, and unticking “Accept cookies from sites”
• in Chrome (version 29), you can block all cookies by accessing the “Customize and control” menu, and clicking “Settings,” “Show advanced settings,” and “Content settings,” and then selecting “Block sites from setting any data” under the “Cookies” heading.

Blocking all cookies will have a negative impact upon the usability of many websites. If you block cookies, you will not be able to use all the features on our website.
You can delete cookies already stored on your computer—for example:

• in Internet Explorer (version 10), you must manually delete cookie files (you can find instructions for doing so at http://support.microsoft.com/kb/278835 )
• in Firefox (version 24), you can delete cookies by clicking “Tools,” “Options,” and “Privacy”, then selecting “Use custom settings for history”, clicking “Show Cookies,” and then clicking “Remove All Cookies”
• in Chrome (version 29), you can delete all cookies by accessing the “Customize and control” menu, and clicking “Settings,” “Show advanced settings,” and “Clear browsing data,” and then selecting “Delete cookies and other site and plug-in data” before clicking “Clear browsing data.”

Deleting cookies will have a negative impact on the usability of many websites.

N. California Online Privacy Protection Act Compliance

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

As part of the California Online Privacy Protection Act, all users of our site may make any changes to their information at anytime by changing the name, email address and URL saved in the comment form.

O. Childrens Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not 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.

P. Terms and Conditions

Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at https://managingmoneytoday.com/terms-of-use

Q. Your Consent

By using our site, you consent to our web site privacy policy.

R. Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below.

S. Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

This policy was last modified on November 7, 2021