Privacy & Disclosures

Disclosures

This policy is valid from 22 July 2013

This blog is a personal blog written and edited by me.   This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

The compensation received will never influence the content, topics or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. Those advertisements will be identified as paid advertisements.

The owner(s) of this blog is compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of this blog receives compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers’ own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

This blog does contain content which might present a conflict of interest. This content will always be identified.

We use third-party advertising companies to serve ads when you visit our Web site. These companies may use aggregated information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please see: http://www.networkadvertising.org/managing/opt_out.asp

To get your own policy, go to http://www.disclosurepolicy.org

Privacy Policy

If you require any more information or have any questions about our privacy policy, please feel free to contact me by email at danielle{at}findingsilverpennies{dot}com.  At www.findingsilverpennies.com, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by www.findingsilverpennies.com and how it is used.

Log Files
Like many other Web sites, www.findingsilverpennies.com makes use of log files. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track users movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Our cookie policy
In compliance with the European Union legislation, we inform you that our website will store some information about your preferences on your own computer inside a tiny file called a ‘cookie’.

A cookie is a small piece of data that a website asks your browser to store on your computer or mobile device. The cookie allows the website to “remember” your actions or preferences over time.

You can delete all cookies that are already on your computer and you can set most browsers to prevent them from being placed. If you do this, however, you may have to manually adjust some preferences every time you visit a site and some services and functionalities may not work.

Most browsers support cookies, but users can set their browsers to decline them and can delete them whenever they like. A third-party website called aboutcookies.org has been setup to help you with instructions how you can do that on various browsers.

We use cookies to:
1) Identify you as a returning user and to count your visits in our traffic statistics analysis;
2) remember your custom display preferences;
3) Suggest any recent searches youíve made on our site
4) Other usability features including tracking whether you’ve already given your consent to cookies

Enabling cookies from our website is not strictly necessary for the website to work but it will provide you with a better browsing experience.

The cookie-related information is not used to identify you personally and the pattern data is fully under our control. These cookies are not used for any purpose other than those described here.

There may also be other types of cookies created after you’ve visited our website. We use Google Analytics, a popular web analytics service provided by Google, Inc. Google Analytics uses cookies to help us to analyse how users use the site. The information generated by the cookie about your use of our website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of our website, compiling reports on website activity and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google undertakes not to associate your IP address with any other data held by Google.

Third Party Advertising
We may have third-party advertising companies serving ads to you when you visit our website. These companies may store information about your visits to our website and to other websites in order to provide you with relevant advertisements about goods and services.

These companies may employ cookies and other identifiers to gather information which measures advertising effectiveness. The information is generally not personally identifiable unless, for example, you provide personally identifiable information to them through an ad or an e-mail message.

Information Gathered by Third Party Advertisers
Cookies enable advertisers to learn about what ads you see, what ads you click, and other actions you take on our site and other sites. This allows advertisers to provide you with more useful and relevant ads. For example, if they know what ads you are shown while visiting our site, they can be careful not to show you the same ones repeatedly. They do not associate your interaction with unaffiliated sites with your identity in providing you with interest-based ads.

We do not provide any personal information to advertisers or to third party sites. Advertisers and other third-parties (including the ad networks, ad-serving companies, and other service providers they may use) may assume that users who interact with or click on a personalized ad or content are part of the group that the ad or content is directed towards (for example, readers in the Pacific Northwest who read certain types of articles). Also, some third-party cookies may provide them with information about you (such as the sites where you have been shown ads or demographic information) from offline and online sources that they may use to provide you more relevant and useful advertising.

If you would like to learn more about what options you have about limiting the gathering of information by third-party ad networks, you can consult the website of the Network Advertising Initiative.

You can opt out of participating in interest-based advertising networks but opting out does not mean you will no longer receive online advertising. It does mean that the companies from which you opted out will no longer customize ads based on your interests and web usage patterns using cookie-based technology.

Type and Purpose of Collection
We collect information at various points in the Website to facilitate its use by our customers. Non-Personal Information: Upon accessing the Website, certain non-personal information will be automatically collected without your knowledge or consent, such as your IP address, location data (which is anonymous) and the referring website (ìNon-Personal Informationî). We use Non-Personal Information to examine our traffic and to view how our customers use the Website. This type of information will not allow you to be personally identified. For example, we use ìcookiesî, which contains only certain statistical information. You can instruct your computer to inform you whenever a cookie is being sent, or you can disallow cookies through your web browser. If you do choose to disallow cookies, your experience on the Website may be diminished, or your ability to choose some of the options on the Website may be limited.
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Sharing Information
We will not sell, rent or disclose to outside parties the information we collect, save and except that we may share the collected information with other parties as follows:

(a) Affiliated Service Providers: We have agreements with various affiliated service providers to facilitate the functioning of the Website, with whom we may share the information we have collected. For example, we may share your credit card information with the credit card service provider to process your purchase. All administrative service providers that we use are required to have the same level of privacy protection as we have, and therefore we expect that your information will be handled with the same level of care that we employ. Additionally, for example, we may use analytic or marketing services such as Google Analytics, Google Adsense, Taboola, or RevContent, to which collection you hereby unconditionally consent.

(b) Where required by law: We may share the collected information where required by law, specifically in response to a demand from government authorities where such demand meets the legal requirements.

(c) Statistical Analysis: We may share Non-Personal Information and aggregated information with third parties, including but not limited to for advertising or marketing purposes. No Personal Information will be shared in this manner.

(d) Transactions: In connection with, or during negotiations of, any merger, sale of company assets, financing or acquisition, or in any other situation where Personal Information may be disclosed or transferred as one of our business assets.
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Choices and How To Opt Out Of Interest-Based Advertising

(a) Opting Out of Interest-Based Advertising Services This website is a member of the Network Advertising Initiative (NAI) and adheres to the NAI Codes of Conduct as described on the NAI website. This website also adheres to the Digital Advertising Alliance (DAA) Self-Regulatory Principles. For a description of the DAA Program, please visit the DAA website. As described above, this website may use or transfer Device Data that it directly collects or that it receives from this websiteís Customers, who may use cookies or non-cookie technologies, to enable advertising that is more tailored to Consumersí inferred interests, preferences, and locations. This practice is known as interest-based advertising.

(b) Opting Out of Interest-Based Advertising by Third Parties
This website may permit third parties to collect information on its Site and combine that information with other information collected on non-affiliated websites or applications over time. These third parties may use technologies, including cookies and web beacons, to collect information about Consumersí or Customersí use of the Site in order to analyze, report on, or customize content or advertising on the this website or on other sites, or to help us operate and improve the Site. To find out more about interest-based advertising in the web environment, and how to opt-out of information collection for this purpose by companies that participate in the Network Advertising Initiative or the Digital Advertising Alliance, visit NAIís opt-out page or DAAís Consumer Choice Page.

DoubleClick DART Cookie

Google, as a third party vendor, uses cookies to serve ads on www.findingsilverpennies.com.  Google’s use of the DART cookie enables it to serve ads to your users based on their visit to www.findingsilverpennies.com and other sites on the Internet.  Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL –http://www.google.com/privacy_ads.html.  Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include, but not limited to: Google Adsense, Commission Junction, Share-a-Sale, BlogHer, Amazon, RewardStyle and The Blogger Network.

These third-party ad servers or ad networks use technology to the advertisements and links that appear on www.findingsilverpennies.com send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and/or to personalize the advertising content that you see.

www.findingsilverpennies.com has no access to or control over these cookies that are used by third-party advertisers.

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices.  www.findingsilverpennies.com’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.

I am not responsible for republished content from this blog on other blogs or websites without my permission.

This privacy policy is subject to change without notice and was last updated on November 28, 2015. If you have any questions feel free to contact me directly at danielle{at}findingsilverpennies{dot}com.

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.