Privacy Policy & Disclaimers
Disclaimer
The content offered on this site is general in nature, is opinion, is provided for informational purposes only, and does not constitute professional financial advice. You should always do your own research and consider your personal circumstances when making any financial decisions.
Affiliate Links & Reviews
RichFrugalLife will publish affiliate endorsements and advertisements from time to time, which means that if you click on a link and/or use a link to make a purchase, we may receive a small commission or some other incentive, at no extra cost to you.
We will only write about and endorse products or services of entities that we either use ourselves or believe may be useful to our audience. Any reviews we post reflect our honest opinions about a product or service. Such reviews or recommendations have not been reviewed, endorsed or approved by any of these entities.
For full disclosure, we currently participate in the affiliate programs for Amazon, Personal Capital and Bluehost. As such, you should be aware that links from this blog to the websites of these companies are affiliate links, as described above.
Personal Capital Advisors Corporation (“PCAC”) compensates Rich Frugal Life for new
leads. Rich Frugal Life is not an investment client of PCAC.
What personal data we collect and why we collect it
RichFrugalLife does not intentionally collect personal information about our visitors except for standard traffic logs automatically generated by our web server and Google Analytics, and any information collected by our third party advertisers as disclosed in the section below. If you choose to leave a comment or sign-up for our email list, we will then have your email address. However, we won’t sell or voluntarily disclose your email address or personal information to anyone else.
Web-advertising services
Web-advertising-services we utilize may place or use “cookies” (text files) or “Web Beacons” (small invisible images) to gather information and allow an analysis of the use of this website by you.
Through the use of cookies or Web Beacons, simple actions such as the visitor traffic to the website can be recorded and collected. The information generated by the cookie and/or Web Beacon is information about your use of this site (Url), including your IP address and will be transferred to a server in the U.S. and stored there.
The Web-based advertiser, will be able to use this information to evaluate your use of the site in order to show and compile reports on website activity and ads for website operators and providing other services with website and internet related services. They may also transfer this information to third parties where this is required by law, or where such third parties process the information on the entity’s behalf.
We intend to utilize Google Adsense for Web-based Advertising – and will update this statement accordingly once approved. Google will not associate your IP address with any other data held by Google. You can avoid storing cookies on your hard drive and the display of Web Beacons by choosing to accept in your browser settings, “cookies” (in MS Internet Explorer under “Tools> Internet Options> Privacy> Settings”, in Firefox under Tools> Settings> Privacy> Cookies), we would point out however that this may prevent you from using all the features of this website.
By using this site you agree to the processing of data about you in the manner described, and agree to the aforementioned purpose.
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.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
See also, discussion of cookies within the Web-based Advertising section above.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
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.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
Your contact information
If you have any questions, please don’t hesitate to ask. You can email me directly at richfrugallife@gmail.com.