Disclosures and Disclaimers
Effective Date: June 30, 2024
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The content provided on the Daily Money Minder Blog ("the Blog") is intended solely for informational and educational purposes. It should not be construed as professional advice in any field, including but not limited to financial, medical, or legal advice. Users are strongly advised to consult with a licensed professional before making any decisions based on the information presented on the Blog.
Affiliate Links
This Blog contains affiliate links. We may receive compensation if you make a purchase through these links. Such links are clearly identified within the content. For more information, please refer to our full disclosure policy at www.dailymoneyminder.blog.
Sponsored Content
The Blog may include sponsored posts for which we receive compensation, as well as content for which we have received free products, discounts, or other considerations. Sponsored content will be clearly identified as such within the post.
Limitation of Liability
The Blog and its contributors are not legally responsible for any consequences that arise from the use of information provided on the Blog. This includes, but is not limited to, financial, medical, or legal outcomes. The Blog is provided "as is" without any representations or warranties, express or implied.
External Links
The Blog may contain links to external websites. We are not responsible for the content or privacy practices of these external sites. Users should review the terms and conditions and privacy policies of any external websites they visit.
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By using this Blog, you acknowledge and agree to these disclosures and disclaimers. If you have any questions or concerns, please contact us at dailymoneyminder@gmail.com.
Privacy Policy
Effective Date: June 30, 2024
Introduction
This Privacy Policy ("Policy") describes how the Daily Money Minder Blog ("we," "us," "our") collects, uses, discloses, and protects the personal information of visitors and users ("you," "your") in compliance with the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). By accessing or using our website, you agree to this Policy.
Information We Collect
We may collect the following personal information from you:
• Names
• Email Addresses
• Physical Addresses
• Credit Card Information
• Bank Details
• Phone Numbers
• Dates of Birth
• Other identifying information
We also collect information through automated technologies, such as Google Analytics, cookies, Google AdSense, Pinterest, and Wix.com.
The blog uses various types of cookies to enhance user experience, analyze site performance, and serve targeted advertisements. Here are the main categories of cookies typically collected:
1. Essential Cookies
These cookies are necessary for the blog to function properly. They enable basic functionalities such as page navigation and access to secure areas of the blog. Without these cookies, the site cannot function properly.
2. Functional Cookies
These cookies allow the blog to remember choices you make and provide enhanced, more personal features. For example, they can remember your login details, language preferences, and region.
3. Analytics and Performance Cookies
These cookies collect information about how visitors use the blog, such as which pages are visited most often and if users get error messages from web pages. This information is used to improve the blog’s performance and user experience.
4. Advertising and Targeting Cookies
These cookies are used to deliver advertisements that are more relevant to you and your interests. They may also be used to limit the number of times you see an advertisement and help measure the effectiveness of advertising campaigns.
5. Social Media Cookies
These cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They can track your browser across other sites and build a profile of your interests.
Examples of Specific Cookies Used on the blog
Essential Cookies:
• XSRF-TOKEN: Used for security purposes.
• hs: Used for security purposes.
• svSession: Used in connection with user login.
Functional Cookies:
• SSR-caching: Used to indicate the system from which the site was rendered.
• smSession: Used to identify logged-in site members.
Analytics Cookies:
• ga: Used by Google Analytics to distinguish users.
• gid: Used by Google Analytics to distinguish users.
Advertising Cookies:
• fbp: Used by Facebook to deliver a series of advertisement products such as real-time bidding from third-party advertisers.
• bSession: Used to track visitor behavior on the site.
Social Media Cookies:
• fr: Used by Facebook to provide a range of advertising products such as real-time bidding from third-party advertisers.
Managing Cookies
Visitors to the blog can manage cookies through their browser settings. Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser and from version to version. Blocking all cookies will have a negative impact upon the usability of many blog or website.
For detailed information about the specific cookies used on the blog, visitors can refer to the site's privacy policy or use browser tools to view the cookies in use.
Use of Information
We use the personal information collected for the following purposes:
• To provide and improve our services
• To process transactions and manage payments
• To send marketing communications, including email newsletters (with your consent)
• To analyze website usage and enhance user experience
• To comply with legal obligations
Email Marketing
You may subscribe to our email list to receive updates, newsletters, and promotional content. You can unsubscribe at any time by following the unsubscribe link in our emails or by contacting us directly.
Third-Party Services
We use third-party services, including but not limited to Pinterest, Wix.com, Google Analytics and Google AdSense, to track and collect information about your interactions with our site. These services may collect data such as your IP address, browser type, and browsing behavior. Our blog may contain links to third-party sites, which have their own privacy policies and data collection practices. We are not responsible for the privacy practices of these third-party sites.
Children's Privacy
We comply with the Children's Online Privacy Protection Act (COPPA) and other applicable laws. Our website is not intended for children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it promptly.
Data Protection and Security
We implement appropriate technical and organizational measures to safeguard your personal information against unauthorized access, disclosure, alteration, and destruction.
Your Rights Under GDPR
If you are a resident of the European Economic Area (EEA), you have the following rights under GDPR:
• Right to access your personal data
• Right to correct inaccuracies in your personal data
• Right to erasure of your personal data
• Right to restrict processing of your personal data
• Right to data portability
• Right to object to the processing of your personal data
• Right to withdraw consent at any time
Your Rights Under CCPA
If you are a resident of California, you have the following rights under CCPA:
• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by us and our service providers
• Right to opt-out of the sale of your personal information
• Right to non-discrimination for exercising your privacy rights
Changes to This Policy
We may update this Policy from time to time. We will notify you of any changes by posting the new Policy on our website and updating the effective date.
Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
dailymoneyminder@gmail.com
Terms and Conditions
Effective Date: June 30, 2024
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Dispute Resolution
All legal disputes related to the Daily Money Minder Blog ("the Blog") will be resolved in the jurisdiction where the Blog is based. Disputes will be settled through mediation or arbitration, utilizing the services of an impartial third party. Parties agree to attempt resolution through these methods before pursuing court action.
Intellectual Property Rights
All content on the Blog, including but not limited to text, graphics, logos, images, and software, is the intellectual property of the Blog or its content suppliers and is protected by international copyright laws. Unauthorized use, reproduction, or distribution of this content is prohibited and may result in legal action.
Termination of Use
We reserve the right to terminate or restrict your access to the Blog at our sole discretion, without notice, for any reason, including but not limited to violation of these Terms and Conditions or other conduct we deem harmful to the Blog or other users.
Refund and Exchange Policy
We do not accept returns or exchanges for any products or services offered on the Blog. All sales are final. Please ensure you understand this policy before making any purchases.
Limitation of Liability
The Blog and its contributors are not legally liable for any errors, omissions, or inaccuracies found on the Blog. The information provided is for general informational purposes only, and we do not guarantee the completeness, accuracy, or usefulness of this information. Users are responsible for verifying the accuracy of any information before relying on it.
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By using this Blog, you agree to these Terms and Conditions. If you have any questions or concerns, please contact us at dailymoneyminder@gmail.com.