Privacy Policy/Disclaimer & Terms of Use

Privacy Policy

Last updated: October 26, 2018

OWNER AND DATA CONTROLLER

Finally Frugal (“us”, “we”, or “our”) operates http://www.finallyfrugal.com (the “Site”).

Address: 384 s 790 w Pleasant Grove, Utah 84062

Contact email: megan.prawitt@gmail.com

We are committed to protecting and respecting your privacy.

This Site collects some personal data from its users.

This Privacy Policy informs you of our views, practices and policies regarding the collection, use and disclosure of personal data we receive from users of the Site.

By submitting personal data to us, you agree to us using your personal data as follows.

INFORMATION COLLECTION, PURPOSE AND USE

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to name, email address, cookies, usage data, password.

We may use your personal information to:

  • send you our newsletters from time to time
  • manage contacts and send messages
  • ensure that content from our site is presented in the most effective manner for you and for your computer
  • provide you with information, products or services that you request from us which may be of interest to you
  • carry out our obligations arising from any contracts entered into between you and us
  • interact with external social networks and platforms
  • allow registration and authentication
  • allow access to third party services’ accounts
  • monitor infrastructure
  • manage hosting and backend infrastructure
  • interact with live chat platforms
  • carry out remarketing and behavioural targeting
  • display content from external platforms
  • carry out commercial affiliation
  • interact with support and feedback platforms
  • manage user database

In addition to the above, we may collect log data and use cookies.

Log Data

Like many site operators, we collect information that your browser sends whenever you visit our Site.

This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics.

In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this data.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your computer’s hard drive.

Like many sites, we use “cookies” to collect information.

We use cookies to save the user’s session and to carry out other activities that are strictly necessary for the operation of this Site, for example in relation to the distribution of traffic.

We use cookies to save browsing preferences and to optimize your browsing experience.

Some of third parties such as for example Google Analytics and Google AdSense collect statistics in an anonymized and aggregated form and may not require the consent of the user or may be managed directly by us without the help of third parties.

These may be used to track users’ browsing habits – in addition to the information specified herein and without our knowledge. Please refer to the privacy policy of the listed services for detailed information.

In addition to what is specified in this privacy policy, the user can manage preferences for cookies directly from within their own browser and prevent – for example – third parties from installing cookies.

Through browser preferences, it is also possible to delete cookies installed in the past, including the cookies that may have saved the initial consent for the installation of cookies by this Site.

Users can, for example, find information about how to manage cookies in the most commonly used browsers (e.g. Google Chrome, Mozilla Firefox, Apple Safari and Microsoft Internet Explorer) on the website of the browser of choice.

With regard to cookies installed by third parties, users can manage their preferences and withdrawal of their consent by clicking the related opt-out link (if provided), by using the means provided in the third party’s privacy policy, or by contacting the third party.

DATA STORAGE

Your personal data may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”).

By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

LAWFUL BASIS OF PROCESSING PERSONAL DATA

We may process personal data relating to users if one of the following applies:

  • users have given their consent for one or more specific purposes;
  • provision of data is necessary for the performance of an agreement with the user and/or for any pre-contractual obligations thereof;
  • processing is necessary for compliance with a legal obligation to which we are subject;
  • processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in us;
  • processing is necessary for the purposes of the legitimate interests pursued by us or by a third party.

DATA RETENTION

We process and store your personal data for as long as required by the purpose they have been collected for.

Therefore:

  • personal data collected for purposes related to the performance of a contract between us and the user will be retained until such contract has been fully performed;
  • personal data collected for the purposes of our legitimate interests will be retained as long as needed to fulfill such purposes;
  • we may be allowed to retain personal data for a longer period whenever the user has given consent to such processing, as long as such consent is not withdrawn;
  • we may be obliged to retain personal data for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority.

Once the retention period expires, personal data will be deleted and some of your rights (i.e. the right to access, the right to erasure, the right to rectification and the right to data portability) cannot be enforced after expiration of the retention period. You may find specific information regarding your rights within the relevant section of this Privacy Policy or by contacting us at megan.prawitt@gmail.com/via our contact form.

THIRD-PARTY DISCLOSURE

We do not sell, trade, or otherwise transfer to outside parties your personal information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users (such as, for example, mailerlite, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

YOUR RIGHTS

Users have the right to do the following:

  • Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their personal data.
  • Object to processing of their data. Users have the right to object to the processing of their data if the processing is carried out on a legal basis other than consent.
  • Access their data. Users have the right to learn if data is being processed by us, obtain disclosure regarding certain aspects of the processing and obtain a copy of the data undergoing processing.
  • Verify and seek rectification. Users have the right to verify the accuracy of their data and ask for it to be updated or corrected.
  • Restrict the processing of their data. Users have the right, under certain circumstances, to restrict the processing of their data. In this case, we will not process their data for any purpose other than storing it.
  • Have their personal data deleted or otherwise removed. Users have the right, under certain circumstances, to obtain the erasure of their data from us.
  • Receive their data and have it transferred to another controller. Users have the right to receive their data in a structured, commonly used and machine-readable format and, if technically feasible, to have it transmitted to another controller without any undue delay.
  • Lodge a complaint. Users have the right to bring a claim before their competent data protection supervisory authority.

You can exercise your right to prevent such processing by contacting us at megan.prawitt@gmail.com/via our contact form

These requests can be exercised free of charge and will be addressed by us as soon as possible and always within 30 days.

SECURITY

The security of your personal information is important to us.

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our Site as safe as possible.

We use regular Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential.

In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Unfortunately, no method of transmission over the internet is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

CHANGES TO THIS PRIVACY POLICY

This Privacy Policy is effective as of 11/3/2018 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of our Site after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

CONTACT US

If you have any questions about this Privacy Policy, please contact us at megan.prawitt@gmail.com/via our contact form

COPPA (CHILDREN ONLINE PRIVACY PROTECTION ACT)

For the collection of personal information from children under the age of 13 years old, we comply with the Children’s Online Privacy Protection Act (COPPA).

We do not specifically market to children under the age of 13 years old.ed: October 26, 2018

OWNER AND DATA CONTROLLER

Finally Frugal (“us”, “we”, or “our”) operates http://www.finallyfrugal.com (the “Site”).

Address: 384 s 790 w Pleasant Grove, Utah 84062

Contact email: megan.prawitt@gmail.com

 

We are committed to protecting and respecting your privacy.

This Site collects some personal data from its users.

This Privacy Policy informs you of our views, practices and policies regarding the collection, use and disclosure of personal data we receive from users of the Site.

By submitting personal data to us, you agree to us using your personal data as follows.

INFORMATION COLLECTION, PURPOSE AND USE

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to name, email address, cookies, usage data, password.

We may use your personal information to:

  • send you our newsletters from time to time
  • manage contacts and send messages
  • ensure that content from our site is presented in the most effective manner for you and for your computer
  • provide you with information, products or services that you request from us which may be of interest to you
  • carry out our obligations arising from any contracts entered into between you and us
  • interact with external social networks and platforms
  • allow registration and authentication
  • allow access to third party services’ accounts
  • monitor infrastructure
  • manage hosting and backend infrastructure
  • interact with live chat platforms
  • carry out remarketing and behavioural targeting
  • display content from external platforms
  • carry out commercial affiliation
  • interact with support and feedback platforms
  • manage user database

In addition to the above, we may collect log data and use cookies.

Log Data

Like many site operators, we collect information that your browser sends whenever you visit our Site.

This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics.

In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this data.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.

Like many sites, we use “cookies” to collect information.

We use cookies to save the user’s session and to carry out other activities that are strictly necessary for the operation of this Site, for example in relation to the distribution of traffic.

We use cookies to save browsing preferences and to optimize your browsing experience.

Some of third parties such as for example Google Analytics and Google AdSense collect statistics in an anonymized and aggregated form and may not require the consent of the user or may be managed directly by us without the help of third parties.

These may be used to track users’ browsing habits – in addition to the information specified herein and without our knowledge. Please refer to the privacy policy of the listed services for detailed information.

In addition to what is specified in this privacy policy, the user can manage preferences for cookies directly from within their own browser and prevent – for example – third parties from installing cookies.

Through browser preferences, it is also possible to delete cookies installed in the past, including the cookies that may have saved the initial consent for the installation of cookies by this Site.

Users can, for example, find information about how to manage cookies in the most commonly used browsers (e.g. Google Chrome, Mozilla Firefox, Apple Safari and Microsoft Internet Explorer) on the website of the browser of choice.

With regard to cookies installed by third parties, users can manage their preferences and withdrawal of their consent by clicking the related opt-out link (if provided), by using the means provided in the third party’s privacy policy, or by contacting the third party.

DATA STORAGE

Your personal data may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”).

By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

LAWFUL BASIS OF PROCESSING PERSONAL DATA

We may process personal data relating to users if one of the following applies:

  • users have given their consent for one or more specific purposes;
  • provision of data is necessary for the performance of an agreement with the user and/or for any pre-contractual obligations thereof;
  • processing is necessary for compliance with a legal obligation to which we are subject;
  • processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in us;
  • processing is necessary for the purposes of the legitimate interests pursued by us or by a third party.

DATA RETENTION

We process and store your personal data for as long as required by the purpose they have been collected for.

Therefore:

  • personal data collected for purposes related to the performance of a contract between us and the user will be retained until such contract has been fully performed;
  • personal data collected for the purposes of our legitimate interests will be retained as long as needed to fulfill such purposes;
  • we may be allowed to retain personal data for a longer period whenever the user has given consent to such processing, as long as such consent is not withdrawn;
  • we may be obliged to retain personal data for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority.

Once the retention period expires, personal data will be deleted and some of your rights (i.e. the right to access, the right to erasure, the right to rectification and the right to data portability) cannot be enforced after expiration of the retention period. You may find specific information regarding your rights within the relevant section of this Privacy Policy or by contacting us at megan.prawitt@gmail.com/via our contact form.

THIRD-PARTY DISCLOSURE

We do not sell, trade, or otherwise transfer to outside parties your personal information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users (such as, for example, mailerlite, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

YOUR RIGHTS

Users have the right to do the following:

  • Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their personal data.
  • Object to processing of their data. Users have the right to object to the processing of their data if the processing is carried out on a legal basis other than consent.
  • Access their data. Users have the right to learn if data is being processed by us, obtain disclosure regarding certain aspects of the processing and obtain a copy of the data undergoing processing.
  • Verify and seek rectification. Users have the right to verify the accuracy of their data and ask for it to be updated or corrected.
  • Restrict the processing of their data. Users have the right, under certain circumstances, to restrict the processing of their data. In this case, we will not process their data for any purpose other than storing it.
  • Have their personal data deleted or otherwise removed. Users have the right, under certain circumstances, to obtain the erasure of their data from us.
  • Receive their data and have it transferred to another controller. Users have the right to receive their data in a structured, commonly used and machine-readable format and, if technically feasible, to have it transmitted to another controller without any undue delay.
  • Lodge a complaint. Users have the right to bring a claim before their competent data protection supervisory authority.

You can exercise your right to prevent such processing by contacting us at megan.prawitt@gmail.com/via our contact form

These requests can be exercised free of charge and will be addressed by us as soon as possible and always within 30 days.

SECURITY

The security of your personal information is important to us.

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our Site as safe as possible.

We use regular Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential.

In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Unfortunately, no method of transmission over the internet is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

CHANGES TO THIS PRIVACY POLICY

This Privacy Policy is effective as of 11/3/2018 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of our Site after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

CONTACT US

If you have any questions about this Privacy Policy, please contact us at megan.prawitt@gmail.com/via our contact form

COPPA (CHILDREN ONLINE PRIVACY PROTECTION ACT)

For the collection of personal information from children under the age of 13 years old, we comply with the Children’s Online Privacy Protection Act (COPPA).

We do not specifically market to children under the age of 13 years old.

Disclaimer

Last updated: November 12, 2018

The information contained on https://www.finallyfrugal.com/ website (the “Service”) is for general information purposes only.

Finally Frugal, LLC assumes no responsibility for errors or omissions in the contents on the Service.

In no event shall Finally Frugal, LLC be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. Finally Frugal, LLC reserves the right to make additions, deletions, or modification to the contents on the Service at any time without prior notice.

Finally Frugal, LLC does not warrant that the Service is free of viruses or other harmful components.

 

Affiliate disclaimer

This affiliate disclosure details the affiliate relationships of Finally Frugal, LLC with other companies and products.

Some of the links are “affiliate links”, a link with a special tracking code. This means if you click on an affiliate link and purchase the item, we will receive an affiliate commission.

The price of the item is the same whether it is an affiliate link or not. Regardless, we only recommend products or services we believe will add value to our readers.

By using the affiliate links, you are helping support the Service, and we genuinely appreciate your support.

Affiliate advertising programs that the Service uses are:

  • Amazon Services LLC Associates Program
  • Finally Frugal, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com or endless.com, MYHABIT.com, SmallParts.com, or AmazonWireless.com.
  • Pages on this Service may include affiliate links to Amazon and its affiliate sites on which the owner of this Service, Finally Frugal, LLC, will make a referral commission.
  • ShareASale
  • ClickBank
  • ClickFunnels

Terms of Use

Last updated: 11/3/2018

Finally Frugal (“us”, “we”, or “our”) owns and operates http://www.finallyfrugal.com/

This web page (together with the documents referred to on it) is a binding agreement and represents the Terms of Use for our Site.

Please read these Terms of Use carefully before you start to use the Site.

This Site is intended for individuals who are 18 years of age or older.

By visiting and using this Site, you represent and warrant that you are of legal and meet all of the foregoing eligibility requirements.

By visiting and using our Site, you indicate that you accept these Terms of Use and that you agree to fully comply and abide by them.

Content

All information on this Site, including any and all copyrights, trademarks, design rights and other intellectual property rights related to the content and work product on this Site, are owned by Finally Frugal

The copying, redistribution, use, or publication by you of any such Content is strictly prohibited. Your use of our Site does not grant you any ownership rights to the Content of our Site.

The reproducing in any format (including on another website) of any part of our Site (including content, images and designs) without our prior written consent is strictly prohibited.

Requests for prior written consent should be addressed to the following email: megan.prawitt@gmail.com

You may provide links to our Site as long as

  1. you clearly give credit to us as the author,
  2. include a hyperlink to our Site,
  3. you do not remove or obscure any portion of our Site by framing or otherwise,
  4. your website does not engage in illegal or pornographic activities, and
  5. provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not provide links in such a way as to suggest any form of association, approval or endorsement on our part without our prior written consent.

You must not provide links from any website that is not owned by you.

You must cease providing links to our Site immediately upon our request.

Reliance on Content

The Content of this Site is meant for informational purposes only and is not intended to amount to professional or specific advice on which reliance should be placed.

Every effort has been made to only provide complete and accurate information. However, we disclaim all responsibility and liability arising from any inaccuracies and any reliance placed on the information presented on this Site and shall not be liable for any damages or harm.

Limitation of Liability

In no event will our company or its directors, employees, or agents be liable to you or any third person for any direct, indirect or consequential loss or damage incurred in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it.

Prohibited Use

As a condition of your use of the Site, you warrant that you will not use the Site for any purpose that is unlawful or prohibited by these Terms.

You are prohibited from violating or attempting to violate any security features of the Site; damaging, disabling, or impairing or attempting to damage, disable or impair the Site; gaining or attempting to gain unauthorized access to any portion or feature of the Site; interfering with or causing disruption in the operation of the Site; modifying, reverse-engineering, decompiling, disassembling, participating in the transfer or sale, creating derivative works or attempting to modify, reverse-engineer, decompile, disassemble, participate in the transfer or sale, create derivative works, or in any way exploit, in whole or in part, any of the content available on the Site.

You agree to use the Site for lawful purposes only and any violation of any provision contained in these Terms may subject you to civil and/or criminal liability.

Comments

When you leave a comment on our Site, your comment will be publicly available to other visitors of this Site.

For spam detection purposes, we collect the data shown in the comments form, and also your IP address and browser user agent string in accordance to our Privacy Policy.

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.

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.

Your comment may be checked through an automated spam detection service.

You can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

We reserve the right to remove any comment that we determine to be unlawful, inappropriate, offensive or otherwise objectionable or in violation of intellectual property laws or these Terms.

Privacy Policy

While using this Site, you may provide certain personally identifiable information, such as your name, email address or IP address.

We process information about you in accordance with our Privacy Policy.

By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.

Links to Other Sites

This Site may from time to time contain links to third-party sites.

We have no control over and assume no responsibility for the content or practices of any third-party Sites or for any loss or damage that may arise from your use of them.

We recommend that you review the privacy policy and terms and conditions of those third-party sites. Once you leave our Site, you are no longer governed by our Terms of Use.

Embedded Content from Other Sites

Content on this Site may include embedded content (e.g. videos, images, articles, etc.).

Embedded content from other sites behaves in the exact same way as if the visitor has visited the other website.

These sites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that site.

Affiliate Links

We may have a financial relationship with some of the merchants we mention.

This Site may contain affiliate links, which means we may get compensated at no extra cost to you if you make a purchase through a link.

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.

Our editorial content, including the advice we provide and the opinion we express on products, services and merchants are not influenced in any way by advertisers or affiliate partnerships.

We only endorse products, services and merchants that we have personally used/tested and consider of the highest quality standard.

Use of Downloadable Digital Content/Course Content

When purchasing a digital product or course from our Site or downloading a free digital product in exchange for your email address from our Site, you are granted a limited, personal, non-exclusive, non-transferable license of our materials for your personal or internal business use only.

You acknowledge and agree that under this license you have no right to:

– modify, copy, reproduce or sell the materials;

– use the materials for any commercial purpose;

– decompile or reverse engineer;

– remove any copyright or other proprietary notations from the materials;

– transfer the materials to another person;

– create derivative works based upon the materials;

– offer any competing products based upon the materials.

Refund of Digital Products/Course Fees/Membership Fees

Due to the nature of digital content, all purchases of digital products, courses and memberships from our Site are final unless a refund is required under relevant consumer protection laws.

Governing Law

These Terms of Use and any dispute or claim arising from or in connection with them shall be governed in accordance with the laws of the State of Utah and the United States.

Termination

We reserve the right to terminate your rights under these Terms without notice if you fail to comply with any of these Terms.

Indemnification

You agree to indemnify, defend, and hold us and our partners, consultants, agents, officers, directors, employees, subcontractors, successors, service providers, and affiliates free from any liability, loss, claim, and expense, including reasonable attorney fees, related to your violation of these Terms, your use of our Site or your infringement, of any intellectual property or other right of any person or entity.

Amendments

We reserve the right to revise these Terms of Use at any time by amending this page.

All updates will be posted on this page and you are expected to check this page from time to time to take notice of any changes.

If you do not agree with the changes to these Terms of Use, you can choose to discontinue the use of our Site.

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