Privacy Policy
What Personal Identifiable Information (PII) do we collect from the people that visit our blog?
We do not collect any PII about you as a visitor except standard traffic log automatically generated by Google Analytics. Click here to opt-out of Google Analytics. This site explicitly collects opt-in e-mail addresses and names. When subscribe and/or making a comment on our site or use ‘Contact Me’ form, as appropriate, you may be asked to enter your name, email address or other details to help you with your experience. We use email addresses and names to contact you periodically with our newsletters related to the content on this site only when you subscribe to our email list. You may unsubscribe from our email list at any time using the link at the bottom of every email we send.
When do we collect information?
We collect your name or your allias and email address information from you when you subscribe to our email list or when you make a comment or when you utilize ‘Contact Me’ form to send us a message.
How do we use your information?
We may use the information we collect from you when you sign up for our email list, surf the site, or use certain site features in the following ways. We do not use the information you submitted for any marketing purpose.
- To personalize your experience and to allow us to deliver the type of content and product offering in which you are most interested.
- To improve our website in order to better serve you.
- To allow us to better service you in responding to your requests.
- To send periodic newsletter emails.
Comments
When visitors leave comments on our 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.
How do we protect your information?
- We do not use vulnerability scanning and/or scanning to PCI standards.
- We only provide content and information. We never ask for credit card numbers.
- We regulary use Malware Scanning.
- Your information is contained behind secured networks. All information you supply is encrypted via Secure Socket Layer (SSL) technology.
Do we use ‘cookies’?
Yes. 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 remember certain information. We also use cookies to help us compile aggregate data site traffic and site interaction so that we can offer better site experiences in the future.
We use cookies to:
- Keep track of advertisements.
- Compile aggregate data about site traffic and site interaction in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser. Since each browser is a little different, look at your browser’s Help menu to learn the correct way to modify your cookies.
- If you turn cookies off, it won’t affect your experience on our site.
Third-party disclosure
We do not sell, trade, or otherwise transfer to outside parties your information. This does not include website hosting partners and other parties who assist us in operation our website as long as those parties agree to keep this information confidential. However, non-personallly identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third-party links
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policy. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
We use Google AdSense Advertising and Google Analytics on our website. Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s usd of the DART cookie enables it to serve ads to our users based on visits to our site and other sites on the internet. Click here to opt-out of Google Analytics. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.
We have implement the following:
- Remarket with Google AdSense and Google Analytics
- Google Display Network Impression Reporting
- Demogramphic and Interests Reporting
- DoubleClick Platform Integration
We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.
Opting out
Users can set preferences for how Google advertise to you by using the Google Ad Settings page. Alternatively, you can opt-out by visiting the Network Advertising Initiative Opt-out page or by using the Google Analytics Opt-Out Browser Add-on.
California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial website and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf
According to CalOPPA, we agree to the following:
User can visit our site anonymously. Once this privacy policy is created, we will add a link to it on our homepage or at a minimum, on the first significant page after entering our website. Our Privacy Policy link includes the word ‘Privacy’ and can easily be found on the page specified above. You will be informed of any Privacy Policy changes by visting our Privacy Policy Page.
How does our site handle Do Not Track signals?
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of information from children under the age of 13 years old, the COPPA puts parents in control. The Federal Trade Commission, United State’s consumer protection agency, enforces the COPPA Rule, which spells out what operator of websites and online services must do to protect children’s privacy and satety online. We do not specifically market to children under the age of 13 years old.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the developent of data protection lawa around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy lawa that protect personal information.
In order to be in line with the Fair Information Practices we will take the following responsive action, should a data breach occur:
- We will notify you via email.
- We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
CAN-SPAM Act
The CAN-SPAM Act it a law that sets the rules for commercial emails, establishes requirements for commercial message, gives recipients the right to have emails stopped from being sent to them, and spells out tough penaties from violations.
When you subscribe to our email list or contact us, we collect your email address in order to send newsletter emails, respond to inquiries, and/or other requests or questions.
To be in accordance with CAN-SPAM Act, we agree to the following:
- Not use false or misleading subjects or email addresses.
- Identify the message as an advertisement in some reasonable way.
- Include the physical address of our site on our email.
- Monitor third-party email marketing services for compliance, if one is used.
- Honor opt-out/unsubscribe requests quickly.
- Allow users to unsubscribe by using the link at the bottom of each email.
This privacy policy is subject to change without notice.
Hi!
I’m thrilled you’ve found my blog. Welcome! I am the person behind by50journey.com. For now, I’ll call myself “Mrs. 50” around here. Learn how I paid off nearly $100K of our debt in under 6 years. We are living debt free and are finding our way to Financial Independence. Join my email list to learn about saving money and making more money!
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Disclaimer
By 50 Journey blog is for informational and entertainment purposes only. I really appreciate you reading my blog. However, my blog is intended to be a general resource only and is not intended to be nor does it constitute financial or legal advice. I am not allowed and cannot give legal advice. Please do your own due diligence before making any financial decision. Any recommendations on this blog are based on personal, NOT professional, opinion only.
Amazon Associates Disclosure
By 50 Journey is a participant in the Amazon Services, LLC associates program. An affiliate advertising program designed to provide a means for us to earn advertising fees by linking to amazon.com and affiliated website.
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