Disclosure Policy

Disclosure Policy:

This policy is valid from 4 July 2011 and last updated 3/11/12.

This blog is a personal blog written and edited by me, Michelle Pegram along with various contributors. For questions about this blog, please contact Michelle at [email protected]

Money Savvy Michelle posts paid and non-paid posts, advertisements, and sponsored giveaways, and receives cash and other services and forms of compensation while providing reviews, hosting giveaways, and marketing products and services. Money Savvy Michelle is also an affiliate of many products and companies you may see featured in posts and banners on this site, however Money Savvy Michelle and any contributors will ALWAYS publish 100% HONEST opinions in any form of post or communication and any opinion posted is purely the contributor’s own.

This blog does not contain any content which might present a conflict of interest.

As a reader of Money Savvy Michelle, you are taking any information that Money Savvy Michelle supplies at your own risk. Any information provided here is for entertainment purposes only and Money Savvy Michelle is not providing any medical, legal, or other professional advice.

Unless otherwise noted, Money Savvy Michelle is the legal copyright holder of the material on this blog and it may not be used, reprinted, or published without my written consent. You may repost deals, freebies, coupons, and sweepstakes found at Money Savvy Michelle when you link back to Money Savvy Michelle.

Money Savvy Michelle is not responsible for the actions of advertisers or sponsors of this blog. If you win a giveaway or contest at Money Savvy Michelle, I cannot be held responsible for any problems with the giveaway prize including malfunctions or unreceived prizes. If you purchase or try a product or service based on a review or link at Money Savvy Michelle, you must take action with that company to resolve any issues, not Money Savvy Michelle.

Money Savvy Michelle’s giveaways and contests are in no way associated with Facebook, Twitter, or any other entity unless otherwise directly specified in said giveaway or contest.

Any person that enters a contest or giveaway on Money Michelle are stating that they are a legal resident of any countries the giveaway or contest may be open to and are 18+ or equal legal age to enter said contests or giveaways in their place of residence.

Money Savvy Michelle reserves the right to change the focus of this blog, shut it down, sell it, or to change any terms of use at Money Savvy Michelle’s discretion.

Money Savvy Michelle 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, endless.com, smallparts.com or myhabit.com.

Privacy Policy:
Money Savvy Michelle will not put your email on spam lists or sell your information to other companies. Money Savvy Michelle is not responsible for the privacy practices of advertisers or blog commenters. Any information contributors to Money Savvy Michelle collect will only be used for private contact such as in the event of needing to confirm a giveaway win.

We use third-party advertising companies to serve ads when you visit our Web site. These companies may use aggregated information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please see: http://www.networkadvertising.org/managing/opt_out.asp

Notice Regarding Online behavioural Advertising
We allow third party companies to serve ads and/or collect certain anonymous information
when you visit our Web site.  These companies may use non-personally identifiable information
(e.g. click stream information, browser type, time and date, subject of advertisements clicked
or scrolled over) during your visits to this and other Web sites in order to provide
advertisements about goods and services likely to be of greater interest to you.  These
companies typically use a cookie or third party web beacon to collect this information.  To learn
more about this behavioural advertising practice visit the NAI at http://www.networkadvertising.org.  To
opt-out of this type of advertising, you can visit http://www.aboutads.info/choices.

What information do we collect?

We collect information from you when you register on our site, subscribe to our newsletter, respond to a survey, fill out a form or enter a swepstakes, giveaway or contest or leave a comment.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously.

Google, as a third party vendor, uses cookies to serve ads on your site.
Google’s use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet.
Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy..

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

; To personalize your experience
(your information helps us to better respond to your individual needs)

; To improve our website
(we continually strive to improve our website offerings based on the information and feedback we receive from you)

; To improve customer service
(your information helps us to more effectively respond to your customer service requests and support needs)

; To administer a contest, promotion, survey or other site feature

; To send periodic emails

The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information

We use cookies to understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Childrens Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our web site privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below.

This policy was last modified on 8/24/12

[email protected]

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