Privacy Policy
Effective Date: December 07, 2025
At Funds & Savings (fundsandsavings.com), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data.
By using our website, you agree to the collection and use of information as described in this policy.
1. Information We Collect
We collect different types of information to provide and improve our services:
Personal Information
When you interact with our website, we may collect:
- Name and Email Address: When you subscribe to our newsletter, contact us, or leave comments
- Contact Details: Any information you voluntarily provide through contact forms
- Communication Data: Content of messages you send us
Automatically Collected Information
When you visit our website, we automatically collect:
- Browser Information: Browser type, version, and language settings
- Device Information: Device type, operating system, screen resolution
- IP Address: Your internet protocol address for analytics and security
- Usage Data: Pages visited, time spent on pages, clicks, and navigation patterns
- Referral Information: The website that referred you to our site
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience. See the “Cookies” section below for detailed information.
2. How We Use Your Information
We use the collected information for the following purposes:
- Provide and Maintain Services: Operate and maintain our website functionality
- Personalize Experience: Customize content and recommendations based on your preferences
- Communication: Send newsletters, updates, articles, and respond to your inquiries
- Analytics: Understand how visitors use our site to improve content and user experience
- Security: Detect and prevent fraud, abuse, and security issues
- Legal Compliance: Comply with legal obligations and enforce our terms
We will never sell your personal information to third parties.
3. Cookies and Tracking Technologies
What Are Cookies?
Cookies are small text files stored on your device when you visit our website. They help us remember your preferences and understand how you use our site.
Types of Cookies We Use
Essential Cookies: Required for basic website functionality. These cannot be disabled.
Analytics Cookies: Help us understand visitor behavior through services like Google Analytics.
Advertising Cookies: Used to display relevant advertisements through ad networks like Google AdSense.
Managing Cookies
You can control cookies through your browser settings:
- Accept All Cookies: Allow all cookies for full website functionality
- Reject Non-Essential Cookies: Block advertising and analytics cookies
- Delete Cookies: Clear existing cookies from your browser
Note that disabling cookies may affect your experience on our website, such as personalized content and certain features.
To manage cookies in popular browsers:
- Chrome: Settings > Privacy and Security > Cookies
- Firefox: Options > Privacy & Security > Cookies
- Safari: Preferences > Privacy > Cookies
- Edge: Settings > Cookies and Site Permissions
4. Google AdSense and Advertising
Google AdSense Cookies
We use Google AdSense to display advertisements on our website. Google AdSense uses cookies to serve ads based on your visits to our site and other websites across the internet.
DoubleClick DART Cookie: Google uses the DoubleClick DART cookie to serve personalized ads based on your browsing history and interests.
How Google Uses Your Data
When you visit our website with ads:
- Google may collect information about your visit through cookies
- This data helps show you relevant advertisements
- Google uses this information across its advertising network
- Your browsing patterns help determine which ads you see
Your Advertising Choices
Opt-Out of Personalized Ads: You can opt-out of personalized advertising by visiting:
- Google Ads Settings: https://www.google.com/settings/ads
- Network Advertising Initiative: http://www.networkadvertising.org/choices/
- Digital Advertising Alliance: http://www.aboutads.info/choices/
Important: Opting out doesn’t stop ads; you’ll still see ads, but they won’t be personalized based on your interests.
Third-Party Advertising Partners
Besides Google AdSense, we may work with other advertising partners. These partners may also use cookies and tracking technologies. Each partner has its own privacy policy:
- Google Privacy Policy: https://policies.google.com/privacy
- Review individual ad network policies when you see their ads
5. Google Analytics
We use Google Analytics to understand how visitors interact with our website. Google Analytics collects information such as:
- How you found our site (search, direct, referral)
- Pages you visited and time spent
- Device and browser information
- Geographic location (country/city level)
This data is anonymized and helps us improve our content and user experience.
Opt-Out: You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on: https://tools.google.com/dlpage/gaoptout
6. Comments and User-Generated Content
If you leave comments on our blog posts:
Information Collected:
- Name and email address (required)
- Website URL (optional)
- Comment content
- IP address and browser user agent (for spam detection)
Comment Moderation: Comments may be reviewed before publication to prevent spam and inappropriate content.
Gravatar: If you have a Gravatar account, your profile picture may be displayed next to your comment.
Comment Retention: We retain comments indefinitely for content and discussion purposes. You can request deletion of your comments by contacting us.
7. Third-Party Services
We use various third-party services that may collect data:
Current Third-Party Services:
- Google Analytics (website analytics)
- Google AdSense (advertising)
- Email service providers (newsletter delivery)
- Comment systems (if using external comment platforms)
Important: These third-party services have their own privacy policies and data practices. We encourage you to review their policies:
- Google Privacy Policy: https://policies.google.com/privacy
- Review other service providers’ policies as applicable
We only work with reputable service providers that maintain strong data protection standards.
8. Data Retention
How Long We Keep Your Data:
- Email Addresses: Retained until you unsubscribe or request deletion
- Comments: Stored indefinitely unless you request deletion
- Analytics Data: Retained per Google Analytics default settings (26 months)
- Contact Form Submissions: Deleted after responding to your inquiry (typically 30-60 days)
Deletion Requests: You can request deletion of your personal data at any time by contacting us at fundsandsavings@gmail.com.
9. Your Privacy Rights
You have the following rights regarding your personal data:
Right to Access: Request a copy of personal data we hold about you
Right to Correction: Request correction of inaccurate or incomplete data
Right to Deletion: Request deletion of your personal data (subject to legal obligations)
Right to Object: Object to processing of your data for marketing purposes
Right to Data Portability: Receive your data in a structured, machine-readable format
Right to Withdraw Consent: Withdraw consent for data processing at any time
To Exercise Your Rights: Contact us at fundsandsavings@gmail.com with your request. We will respond within 14 business days.
10. Data Security
We implement reasonable security measures to protect your information:
- Secure server infrastructure
- Regular security updates and monitoring
- Limited access to personal data
- Encryption for sensitive transmissions
However: No method of internet transmission or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.
Your Responsibility: Keep your password (if applicable) confidential and use secure internet connections when accessing our site.
11. Children’s Privacy
Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will delete such information from our records promptly.
12. Links to External Websites
Our website contains links to external websites for your convenience and information. These third-party sites have their own privacy policies.
We are not responsible for:
- Privacy practices of external websites
- Content on external websites
- Data collection by external websites
We recommend reviewing the privacy policy of any external website before providing personal information.
13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
Email: fundsandsavings@gmail.com
Response Time: We aim to respond to all privacy inquiries within 7-14 business days.Privacy Requests: When contacting us about your data, please provide sufficient information for us to verify your identity and locate your information.