Privacy Policy (personalfinancebytes.com)

General

This personalfinancebytes.com Web site (the “Service”) is owned and operated by personal finance bytes and contains material that is protected by international copyright, trademark and other intellectual property laws. Unless otherwise specified, the Service is intended for your personal, noncommercial use only. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way any material, including code and software, from the Service. You may download material from the Service and may use the Service for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices.

As part of our Service, personalfinancebytes.com agrees to provide you with information and other computer services subject to these Terms of Service. You agree to use the Service in accordance with these Terms of Service. Accessing our Service, in any manner, for the purpose of obtaining information, technical or otherwise, about the Service constitutes use of the Service such that the party accessing the Service is bound by these Terms of Service. Because the Web is an evolving medium, we may need to change these Terms of Service or impose new conditions on use of the Service from time to time, in which case we will post the revised Terms of Service on this Web site. By continuing to use the Service after we post any such changes, you accept the Terms of Service, as modified.

You may establish a hypertext link to this Service so long as the link does not state or imply any sponsorship of your site by personalfinancebytes.com. However, you may not, without the prior written permission of personalfinancebytes.com, frame any of the content of the Service, or incorporate into another Web site or other service any intellectual property of personalfinancebytes.com, its parent or affiliate companies or its licensors.

License to personalfinancebytes.com

By posting messages, uploading files or otherwise providing any material for display on the Service, you are representing that you are the owner of the material or are making your submission with the express consent of the owner of the material. In addition, when you post a message, upload a file or otherwise provide us with material for display on the Service, you are granting personalfinancebytes.com a royalty-free, perpetual, non-exclusive, unrestricted, worldwide license to: 

1. 1. Use, copy, sublicense, adapt, transmit, publicly perform or display any such communication on any publishing platform.

2. Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the communication.

The foregoing grants shall include the right to exploit any proprietary rights in such communication, including but not limited to rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction.

Privacy

The following privacy policy governs our online collection of information from you. This privacy policy, including our children’s privacy statement, does not apply to any information you may provide to us or that we may collect offline and/or through other means; for example, at a live event, via telephone or through the mail. We may collect and store information, personal or otherwise, that you voluntarily supply to us online as part of the Service. We also collect and store information that is generated automatically as users navigate online through the Service. Unless you inform us otherwise, personalfinancebytes.com reserves the right to use, and to disclose to third parties, information collected from you while you are using the Service (e.g., your name and e-mail address) for a variety of reasons and purposes, such as providing users with information about products and services.

If you do not wish to be included in such uses, you must send an e-mail or a letter to us requesting to be taken off any lists of information that may be used for these purposes or that may be given or sold to third party vendors.

In addition, please keep in mind that whenever you voluntarily disclose personal information online, for example on message boards, through e-mail, or in chat areas, that information can be collected and used by others besides personalfinancebytes.com. personalfinancebytes.com cannot be responsible for any unauthorized third party use of information that you disclose online.

We use "cookies" in a limited way to help deliver advertisements and to identify unique browsers that visit us and to track usage throughout our site. Some of our business affiliates and advertisers use cookies, which can be used to tell when your computer has contacted a Web site. Because we do not control the privacy policies of our business affiliates, advertisers or any other sites to which we may provide hyperlinks, you should check the privacy policy of the site you are visiting if you have any concerns about that site’s use of cookies or about that site’s use of your information.

We also make some content, products and services available through our Service through cooperative relationships with third party providers, where the brands of our provider partner appear prominently on the Service. We may share with our provider partner any information you provide, or that is collected, in the course of visiting any pages that are made available in cooperation with our provider partner. In some cases, the provider partner may collect information from you directly, in which cases the privacy policy of our provider partner may apply to the provider partner’s use of your information. The privacy policy of our provider partners may differ from ours. If you have any questions regarding the privacy policy of one of our provider partners, you should contact the provider directly for more information.

We are an affiliate of the CareerBuilder online careers service. Through our cooperative relationship with CareerBuilder, we are able to provide you with access to the CareerBuilder products and services through a co-branded CareerBuilder.com site. Because of this relationship, CareerBuilder requests that we post the following language regarding our co-branded CareerBuilder site in our privacy policy:

“You may have arrived at this Web site by following a link from a CareerBuilder newspaper affiliate or other affiliate. If so, please be aware that CareerBuilder may share your information with that affiliate and the affiliate may use the information consistent with its privacy policy instead of this one.”

Be aware that we may occasionally release information about our visitors. Such situations could include but are not limited to compliance with law, response to subpoena, support of news reporting or editorial activities, enforcement of our Terms of Service agreement or protection of the rights, property or safety of users of our services, the public or Personal Finance Bytes or personalfinancebytes.com.

Please also note that as our business grows, we may buy or sell various assets. In the unlikely event that we, some or all of our assets, or one or more of our Web sites is acquired by another company, information on our users may be among the transferred assets.

Children's Privacy Statement for personalfinancebytes.com

This Children’s Privacy Statement explains our practices with respect to the online collection and use of personal information from children under the age of 13, and provides important information on your rights under federal law with respect to such information.

• We do not knowingly collect personally identifiable information from children under the age of 13 as part of the Service. We screen users who wish to provide personal information to prevent users under the age of 13 from providing such information. If we become aware that we have inadvertently received personally identifiable information from a user under the age of 13 as part of the Service, we will delete such information from our records. If we change our practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of 13 as part of the Service.

• Because we do not collect any personally identifiable information from children under the age of 13 as part of the Service, we also do not knowingly distribute such information to third parties.

• We do not knowingly allow children under the age of 13 to publicly post or otherwise distribute personally identifiable contact information through the Service.

• Because we do not collect any personally identifiable information from children under the age of 13 as part of the Service, we do not condition the participation in the Service’s online activities of a child under 13 on providing personally identifiable information.

Who we are

Our website address is: https://www.personalfinancebytes.com.

Comments

When visitors leave comments on the 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: After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

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.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

Request that a business that collects a consumer’s personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.

Request that a business delete any personal data about the consumer that a business has collected.

Request that a business that sells a consumer’s personal data, not sell the consumer’s personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

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

Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

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.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

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.