Privacy Policy/Disclosure/Disclaimer For The Cents of Money
CMI Marketing, Inc d/b/a CafeMedia has an affiliate agreement with the Site from which you linked for the purposes of placing advertising on the Site. This Advertising Privacy Statement explains how CafeMedia uses your data and supersedes any other language on the Site (if any) with respect to the data privacy practices of CafeMedia or its subsidiary AdThrive.
This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. To learn more about CafeMedia’s data usage, click here https://www.cafemedia.com/publisher-advertising-privacy-policy
We use Google Analytics to analyze the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google’s privacy policy is available at: https://policies.google.com/privacy
How We Collect Personal Data
CafeMedia uses standard and widely-available tools for the placement and serving of ads, including those provided by Google, Inc. and its affiliates. We publish interest-based advertisements on the Site; that is, ads that are tailored to reflect your interests. To help understand your interests, CafeMedia, Google and our other advertising partners will track your behavior on the site from which you linked and on other websites across the Internet using data available from your web browser, including cookies. We may also combine some of this information with information we obtain from third parties in order to create profiles about you for more accurate and relevant advertising.
A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
By using the site from which you linked, you consent to the use of cookies and similar tracking technologies, and the sharing of data captured by such technologies with CafeMedia, Google, and our site’s other third party partners. You can view, delete or add interest categories associated with your browser by visiting: https://adssettings.google.com. To opt out of sharing information collected from your web browser for advertising purposes, you can use DAA WebChoice Tool, available at http://optout.aboutads.info/. Please note that these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser your opt-out will not be maintained.
Google Chrome. If you use the Google Chrome browser, we or our third party service providers may access configuration information in your browser that enables the browser software to request advertisements relevant to your interests. Unlike with cookies, the browser collects and stores the information regarding your interests, instead of the advertiser or service provider. You are able to opt out of this sharing of your information in your browser settings.
For European Economic Area Residents
If you reside in a country in the European Economic Area (EEA), then under the GDPR and applicable data protection laws you have the rights, among other things, to access your personal data, have us erase it, and/or restrict its further processing. If you wish to access or delete your personal data (if any) maintained by CafeMedia related to advertising on the Site, you can contact us at support@cafemedia.com. If you wish to see a list of the advertising partners we work with or change which of those partners track your behavior using cookies, click the ad preferences link at the bottom of the site. (Available in the EU.)
Right to Opt Out of “Sales” of Personal Information in Some US States
State laws applicable in California, Colorado, Connecticut, and Virginia give residents the right to opt out of the “sale” of their personal information to third parties, including for advertising purposes. Under these laws, the sharing of your information with a service provider for advertising purposes could be considered a “sale.” To opt out of the sharing of your information for advertising information, click the opt out link provided in the footer of the site from which you linked. If the site from which you linked does not have a footer, you can find the opt out link provided on the privacy policy page from which you linked. You also have the right to request from us the categories of personal information that we have shared and the categories of third parties to whom the information was provided. To make such a request, please contact us at support@cafemedia.com. To be clear, we do not share your name, contact information, or any other sensitive information with third parties, and the categories of third parties that we share information with for advertising purposes are supply side platforms, programmatic advertising exchanges, and demand side platforms.
Third Party Partnerships
On behalf of the site from which you linked, CafeMedia partners with certain technology services providers. Below you can read detailed information about the privacy policies of these technology companies, and choose to opt-out of their advertising related capabilities.
Amazon Publisher Services – Publisher Audiences. When you use the Site, we share information that we may collect from you, such as your email (in hashed form) with our partner/service provider, Amazon Publisher Service – Publisher Audiences. We may also share hashed and de-identified email addresses with Amazon Publisher Services – Publisher Audiences, which uses that information to create a link between your hashed email and its databases. This link may be shared by our partners globally for the purpose of enabling interest-based advertising throughout your online experience (e.g. cross device, web, email and in-app etc.) by third parties unaffiliated with our website. To opt out of this use, please head here: https://youradchoices.com/ For Amazon Publisher Services Privacy Policy please head here: https://aps.amazon.com/aps/privacy-policy/
Criteo. We share hashed emails with our partner Criteo for the purposes of targeted advertising. You may opt-out of Criteo hashed email targeting here: https://www.criteo.com/privacy/
Fabrick. We share pseudonymised information, including a hashed version of information that we collect from you directly (such as email or phone number), third party IDs (such as mobile advertising IDs or other IDs assigned by third parties), IP addresses, and/or information about your browser or operating system with Neustar Information Services . Neustar Information Services and its affiliated companies (NIS) maymatch this pseudonymized information with information in their data repositories and issue another pseudonymous ID, which is changed on a weekly basis, for our use in connection with real-time bidding for digital advertising. NIS and other third parties may also link demographic or interest based information to your browser via Cookies. To opt out of the use of this data by NIS for this purpose, click here: Neustar Privacy Choices or use the Network Advertising Initiative opt-out link provided above.
Flashtalking. We may choose to share and/or utilize information with our partner Flashtalking for the purposes of internet based advertising. You may learn more about how Flashtalking operates and choose to opt-out of Flashtalking here: https://www.flashtalking.com/privacypolicy.
ID5. We may choose to share information with our partner ID5 for the purposes of ad targeting. You may learn more about how ID5 operates and choose to opt-out of ID5 data collection here: https://id5.io/platfo
LiveRamp. When you use our Publisher network’s websites and enter your email address (either to log in, or to sign up to a newsletter, or similar), they may share with LiveRamp and its group companies information that they collect from you, such as your email (in hashed, pseudonymous form), IP address, or information about your browser or operating system, with any of the following, acting as “joint controllers” (as applicable and defined in the GDPR). Acting as “joint controllers” (as applicable and defined in the GDPR). LiveRamp uses this information to create an online identification code that Publishers may store in their first-party cookie for use in online, in-app, and cross-channel advertising. This may be shared with advertising companies to enable interest-based and targeted advertising. LiveRamp uses this information to create an online identification code for the purpose of recognizing you on your devices. This code does not contain any of your directly identifiable personal data and will not be used by LiveRamp to re-identify you.
Detailed information on LiveRamp’s data processing activities is available in LiveRamp’s privacy policy: https://liveramp.com/privacy/. You have the right to withdraw your consent or opt-out to the processing of your personal data at any time: https://liveramp.com/opt_out/
Parrable. We may choose to utilize our partner Parrable for the purposes of Interest Based Advertising. You may learn more about how Parrable operates and choose to opt-out of Parrable here: https://www.parrable.com/privacy-policy/
Slickstream. The site you visited may include search functionality that we provide called Slickstream. To learn more about Slickstream, you can visit Slickstream.com. We provide the Slickstream service to other publishers in addition to those with which we have an affiliate agreement for advertising purposes. Slickstream collects data regarding the pages you have visited within the site, to provide you with search results and content recommendations, among other things. In addition, you may be asked to voluntarily provide your email address and other personal information as part of your use of the Slickstream search functionality. We use the data collected via Slickstream to provide the Slickstream service. If the Site from which you linked has an affiliate agreement for advertising purposes, we will also use that information in connection with advertising as provided above. You can opt out of our use of your information for such purposes by following the links referenced above, or by contacting us at support@cafemedia.com.
Tapad. We may choose to share and/or utilize information with our partner Tapad for the purposes of internet based advertising. You may learn more about how Tapad operates and choose to opt-out of Tapad here: https://www.tapad.com/privacy. Verizon. We share hashed emails with our partner Verizon for the purposes of targeted advertising. You may opt-out of Verizon hashed email targeting here: https://yahoo.mydashboard.oath.com/
Verizon. We share hashed emails with our partner Verizon for the purposes of targeted advertising. You may opt-out of Verizon hashed email targeting here: https://yahoo.mydashboard.oath.com/
Please note The Cents of Money LLC has financial relationships with some of the merchants mentioned on this blog. The Cents of Money LLC may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.
The Cents of Money LLC is compensated for certain paid links and advertisements on this blog. You are not obligated to click on any link or buy products that are advertised.
DISCLAIMER
If you require any more information or have any questions about our site’s disclaimer, please feel free to contact us by email at Linda@thecentsofmoney.com.
Our website address is https://thecentsofmoney.com.
GENERAL INFORMATION
The Content provided by Cents of Money LLC (“company”, “I”, “we” or “us”) is for general education informational purposes only. You should not construe any such information or other material as professional, legal, tax, investment, financial, or other advice. These are my personal opinions only. Nothing contained on our Site constitutes solicitation, recommendation, endorsement, or offer by The Cents of Money or any third-party service provider to buy or sell any securities or other financial instruments in this or in any other jurisdiction in which solicitation or offer would be unlawful under the securities laws of such jurisdiction.
The term “you” refers to anyone who uses, visits and/or views the website.
Please read this Disclaimer carefully, and I reserve the right to modify it at any time without notice. By visiting and using this website, you accept and agree to be bound by this Disclaimer along with our Terms and Conditions and Privacy Policy. Your continued use of our website, programs, products and/or services constitutes your acceptance of future changes and updates to this Disclaimer. You must not access or use our website if you do not wish to be bound by this Disclaimer.
UPDATE
Should we update, amend or make any changes to this document, those changes will be prominently posted here.
GENERAL DISCLAIMER
All content and information on this website including our programs, products and/or services are published in good faith and for information and education purposes only and does not establish any kind of professional-client relationship by your use of this website. A professional-client relationship with you is only formed after we have expressly entered into a written agreement with you that you have signed including our fee structure and other terms to represent you in a specific matter. Although we strive to provide accurate general information, the information presented here is not a substitute for any kind of professional advice, and you should not rely solely on this information. Always consult a professional in the area for your particular needs and circumstances prior to making any professional, legal, medical, health, engineering and financial or tax-related decisions.
LINKS TO OTHER SITES
From our website, you can visit other websites by following hyperlinks to such external sites. While we endeavor to provide only quality links to useful and ethical websites, we have no control over the content and nature of these sites. Site owners and content may change without notice and may occur before we have the opportunity to remove a link which may have turned “bad.”
When you leave our website, other sites may have different privacy or other policies and terns which are beyond our control.
CONSENT
By using our website, you hereby consent to our disclaimer and agree to its terms.
AFFILIATE / THIRD-PARTY LINKS DISCLOSURE AND DISCLAIMER
We may partner with other businesses or become part of different affiliate marketing programs whose products or services may be promoted or advertised on the website in exchange for commissions and/or financial rewards when you click and/or purchase those products or services through our affiliate links. We will receive a commission if you make a purchase through our affiliate link at no extra cost to you.
Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs, or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do appropriate research before participating in any third party offers.
We may also recommend other products, services, advisors, coaches, and consultants but no such reference is intended to be an endorsement or statement that such information provided is accurate. We recommend these based on our personal experiences, but it is still your responsibility to conduct your own due diligence to ensure you have obtained complete accurate information about such product, services, coaches, and consultants.
These affiliate or third-party relationships in no way compromise the integrity of the content, information, services, and materials being presented to you here, and you are under no obligation to click on these affiliate links to purchase those products or services being offered. These affiliate programs are selected based on personal experiences and preferences.
This disclosure policy applies to all affiliate links we share on our website, social media, emails, programs, products such as courses, eBooks, services, and any other means of communication with you.
Thecentsofmoney.com 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.
SPONSORED POSTS / REVIEWS DISCLAIMER
We may include sponsored blog posts on our website from time to time for products or services we recommend or those that have been valuable in our personal experience or use.
We may review different products, services, and other resources to provide reviews of books, services, and any other recommendations to you. We may receive incentives, discounts, compensation, or free products in exchange for our reviews and sponsored content. All such reviews and sponsored posts are solely our honest opinions made in good faith. You are always encouraged to perform your own due diligence prior to relying on them.
We share this information as examples to you, but it does not serve as a guarantee or promise of any kind for your results and successes if you decide to use the same information, reviews, products, services, tips, and techniques offered here.
You are encouraged to perform your own due diligence and research and are solely responsible for your decisions, purchases from our affiliate links, sponsored content, and results. Your earning potential and results are contingent upon your personal circumstances, abilities, experience, and skills.