Disclosures & Private Policy

Affiliate links and ads keep the lights on around here. We may receive compensation and/or commissions from partnerships with certain companies.

Always consult with a financial professional like investment advisor and/or accountant for specific financial advice. All information provided on this site is for informational purposes only and does not constitute professional financial advice on your case.

By using the site beyond May 25th, 2018 you are agreeing to all of the following policies and beyond including GDPR for EU users.

Private Policy

The Frugal Gene does not collect any personal information about its visitors except standard traffic logs automatically generated by the web server, and anything deliberately left as a comment by the visitors. I will never sell or voluntarily disclose personal information or email addresses.

1. Email Addresses

If you signed up via the subscription form to receive emails from us, then we will have your email address. Other than the name provided and email address, we do not retain any other information about the individuals on our email subscriber list.  We have no way of knowing your location from that email address.

Users can unsubscribe from our mailing list at any time using the unsubscribe link up at the top in every email. Our servicer is Mailchimp. We store your name and email address for purposes of delivering such communications. Please refer to Mailchimp’s privacy policy for further information.

Except when required by law, we will not sell, distribute, or reveal your email addresses or other personal information without your consent; however, we may disclose or transfer personal information collected through the Website to third parties who acquire all or a portion of our business, which may be the result of a merger, consolidation, or purchase of all or a portion of our assets, or in connection with any bankruptcy or reorganization proceeding brought by or against us.

2. Comments

When visitors leave comments on the website 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.

3. Contact Forms

When visitors to the website utilize our contact form, a name, email address, subject line, and message are used to create an email which is sent to the administrator of this website. Other than the created email, the data is not recorded in any other way.

4. 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.

5. 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 tracing your interaction with the embedded content if you have an account and are logged in to that website.

6. We use this analytics data (Google) to learn more about our readers and what kind of content they enjoy.

Data

Other than Google Analytics and all public blog comments (also discussed above), we do not share your data with anyone.  If this policy ever changes, it will be reflected in this document.

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.

If you have an account on this site or have left comments, 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 may use the information collected in the following ways:

To operate and maintain the Website;

To create your account, identify you as a user of the Website, and customize the Website for your account;

To send you promotional information, such as newsletters. Each email promotion will provide information on how to opt-out of future mailings;

To send you administrative communications, such as administrative emails, confirmation emails, technical notices, updates on policies, or security alerts;

To respond to your comments or inquiries;

To provide you with user support;

To track and measure advertising on the Website;

To protect, investigate, and deter against the unauthorized or illegal activity.

Publically Visible Information

If you create a user profile on the Website or leave a comment, certain information may be publicly visible. To create a user profile, you must choose a username and password and input your email address for profile confirmation. Your email address will never be available publicly. At your option, you may also add an avatar, a profile description, and a link to your website.

You may also choose to link your Facebook, Instagram, and Google Account.

Users may see your username, avatar, profile description and website information.

Disclaimer

Information presented on The Frugal Gene website is for informational and entertainment purposes only and does not constitute professional financial advice. The information contained on the site was obtained from sources believed to be reliable, however, I cannot represent that it is accurate, complete or that it will remain up-to-date. You should seek out a trusted financial professional before making any financial decisions. We do not assume any liability with regard to financial results based on the use of the information provided here. Furthermore, advertisers, commenters, and linked sites are solely responsible for their views and content – and do not necessarily represent the views of us or our members.

Affiliate Disclaimer

My site has affiliate links. What it means is that I could receive a small commission if you click on a link of the product or service that I recommend but at no additional cost to you. It also means that it is a product or service that I am personally using that I feel you would find value in. Your information is never shared as I value you as a reader and a debt free community member.

The Frugal Gene may have financial relationships with some of the merchants mentioned on the site and may be compensated by companies mentioned through advertising, affiliate programs, or otherwise. The Frugal Gene may be compensated if you choose to click on one of the links located throughout the content of this site and make a purchase. You are not obligated to click on any link or buy products that are advertised.  I will never publish affiliate links for products I do not believe in.

Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.

Links to Other Web Sites

Our website does contain links to affiliate and other websites. The Frugal Gene does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, I recommend all users and visitors to be aware when they leave to read the privacy statements of each and every website that collects personally identifiable information. The aforementioned Privacy Policy agreement applies only and solely to the information collected by our website.

Ads

Other third-party companies which place advertising on our site may collect information about you when you view or click on their advertising through the use of their cookies or other tracking technologies, which may include delivering targeted advertisements and marketing messages based upon the third party websites that you visit, or other purposes. We cannot control this collection of information and are not responsible for the privacy policies and data collection, use and disclosure practices of these third party advertisers.

Display Ads

We may use third-party advertising companies to serve content and advertisements when you visit the Website, which may use cookies, as noted above.

Retargeting Ads

From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Facebook, or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone’s past visits to the Website.

Affiliate Program Participation

The Website may engage in affiliate marketing, which is done by embedding tracking links into the Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

The Frugal Gene 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 links to Amazon.com. As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commission on these sales.

Acceptance of Terms

Through the use of this website, you are hereby accepting the terms and conditions stipulated in the aforementioned Privacy Policy agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you are in agreement and acceptance of such changes.

Newsletters

On the Website, you may subscribe to our newsletter, which may be used for advertising purposes. All newsletters sent may contain tracking pixels. The pixel is embedded in emails and allows an analysis of the success of online marketing campaigns. Because of these tracking pixels, we may see if and when you open an email and which links within the email you click. Also, this allows the Website to adapt the content of future newsletters to the interests of the user. This behavior will not be passed on to third parties.

Rights Related to Personal Information

Opt-out – You may opt-out of future email communications by following the unsubscribe links in our emails.

Access – You may access the personal information we have about you by submitting a request.

Amend – You may contact us to amend or update your personal information.

Forget – In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request.

Please note that we may need to retain certain information for recordkeeping purposes or to complete transactions, or when required by law.

At no time should you submit sensitive personal information to the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships. If you elect to submit such information to us, it will be subject to this Privacy Policy.

Minor Information

The Website does not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that the Website has personally identifiable information of a child under the age of 16 in its database, please contact us immediately and we will use our best efforts to promptly remove such information from our records.

Last updated: May 29, 2018