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Financial Smarty Privacy Policy

Effective Date: March 7, 2024

Financial Smarty ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, FinancialSmarty.com (the "Site"), or use our online personal finance education and content platform, including any mobile applications (collectively, the "Platform").

Please read this Privacy Policy carefully. By accessing or using the Platform, you agree to be bound by the terms described herein and in our Terms of Use. If you disagree with any part of this Privacy Policy, you may not access or use the Platform.

1. Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household ("Personal Information").

a) Information You Provide Voluntarily:

We collect Personal Information you provide directly to us when you:

  • Create an account
  • Submit User Content (as defined in our Terms of Use)
  • Contact us for support or with questions
  • Participate in surveys, promotions, or contests
  • Subscribe to our newsletter

The types of Personal Information we collect may include:

  • Contact information (e.g., name, email address, postal address, phone number)
  • Username and password
  • Payment information (if applicable)
  • User Content
  • Any other information you choose to provide

b) Information Collected Automatically:

When you access or use the Platform, we may automatically collect certain information about your device and usage patterns, such as:

  • Log data: This includes information about your use of the Platform, such as your IP address, browser type, operating system, referring/exit pages, date and time stamps, and clickstream data.
  • Device information: This includes data about the device you use to access the Platform, such as the hardware model, operating system version, unique device identifiers, and mobile network information.
  • Location data: We may collect information about your location if you enable location services on your device.

c) Information from Cookies and Similar Tracking Technologies:

We and our third-party service providers may use cookies, web beacons, and other tracking technologies to collect information about your browsing activities over time and across different websites. This information helps us to improve the Platform, personalize your experience, and deliver relevant advertising.

You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. However, if you disable or refuse cookies, some parts of the Platform may become inaccessible or not function properly.

2. How We Use Your Information

We may use the information we collect for various purposes, including to:

  • Provide and improve the Platform and its features
  • Create and manage your account
  • Process transactions and send you related information
  • Send you administrative information, such as updates to our terms and policies
  • Respond to your comments, questions, and requests
  • Communicate with you about our products, services, and promotions
  • Personalize your experience on the Platform
  • Monitor and analyze trends, usage, and activities in connection with the Platform
  • Detect, investigate, and prevent fraud and other illegal activities
  • Protect the rights, property, and safety of Financial Smarty, our users, and others
  • Comply with applicable legal obligations

3. How We Share Your Information

We may share your information with third parties in the following circumstances:

  • Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as website hosting, data analysis, payment processing, customer service, and marketing.
  • Business Transfers: We may share your information in connection with a merger, acquisition, bankruptcy, reorganization, sale of some or all of our assets, or other similar transaction.
  • Legal Compliance and Protection: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to: (a) comply with legal process; (b) enforce our Terms of Use; (c) protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or others; or (d) allow us to pursue available remedies or limit the damages that we may sustain.
  • With Your Consent: We may share your information for any other purpose with your consent.
  • All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. No Sale of Personal Information

We do not sell your Personal Information to third parties. We do not share your Personal Information with third parties for their own marketing or advertising purposes.

5. Your Privacy Choices

a) Account Information: You can access, review, and update certain account information by logging into your account. You can also contact us to request access to, correct, or delete your Personal Information.

b) Cookies: You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent.

c) Do Not Track Signals: The Platform does not currently respond to "Do Not Track" (DNT) signals.

6. Data Security

We use commercially reasonable security measures to protect your Personal Information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or method of electronic storage is completely secure. Therefore, while we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

7. Children's Privacy

The Platform is not intended for children under 13 years of age, and we do not knowingly collect Personal Information from children under 13. If you are aware of Personal Information we have collected from a child under 13, please contact us at [email protected].

8. Links to Other Websites

The Platform may contain links to third-party websites that are not owned or controlled by Financial Smarty. This Privacy Policy only applies to information collected by us through the Platform. We are not responsible for the privacy practices of any third-party websites.

9. Changes to this Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any material changes by posting the updated Privacy Policy on the Platform and revising the "Effective Date" above. Your continued use of the Platform after the revised Privacy Policy becomes effective indicates your acceptance of the revised Privacy Policy.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Financial Smarty

Email: [email protected]

Please note: This is a sample Privacy Policy for educational purposes only and may not be suitable for your specific situation. It is essential to consult with an attorney to obtain legal advice tailored to your specific circumstances.