Privacy Policy and Terms of Use

Your privacy is important to us. Where user privacy is concerned, we at Women’s Money® follow a few fundamental principles:

We don’t share your personal information with anyone except to comply with the law, develop products, or protect our rights.
We do not sell user information.
We don’t store personal information on our host’s servers unless required for the ongoing operation of this website or one of its services.

In the blog and its products, we aim to make it as simple as possible for you to control what’s visible to the public, seen by search engines, kept private, and permanently deleted. You can contact us any time via the contact form if you have any questions about the site or its policies.

Website Visitors

Like most website operators, Women’s Money collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Women’s Money’ purpose in collecting non-personally identifying information is to better understand how Women’s Money visitors use its websites. From time to time, Women’s Money may release non-personally-identifying information in the aggregate, for example by publishing a post on trends in the usage of its websites.

Women’s Money also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments. Women’s Money only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that blog commenter IP addresses are visible and disclosed to the administrator of the site where the comment was left. (In normal operations, we never look at this info. The only time we’ve ever used it is to block recurring spammers and hostile trolls.)

Women’s Money may make use of third-party services that access personal information including but not limited to email addresses, IP addresses and other non-personally identifying information. Women’s Money cannot oversee or be held liable for third party usage of such information.

Gathering of Personally-Identifying Information

Certain visitors to Women’s Money’s websites choose to interact with Women’s Money in ways that require Women’s Money to gather personally-identifying information. The amount and type of information that Women’s Money gathers depends on the nature of the interaction.

Those who engage in transactions with Women’s Money – by purchasing products or services, for example – are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Women’s Money collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Women’s Money. Women’s Money does not disclose personally-identifying information other than as described below.

Visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Children’s Online Privacy Protection Act

COPPA is a U.S. law that restricts how websites can collect information about children. According to the FTC, “The Rule applies to operators of commercial websites and online services directed to children under 13 that collect, use, or disclose personal information from children, and operators of general audience websites or online services with actual knowledge that they are collecting, using, or disclosing personal information from children under 13.”

Women’s Money does not operate websites directed to children under 13 and does not collect, use or disclose personal information from visitors known to be under 13.

Aggregated Statistics

Women’s Money may collect statistics about the behavior of visitors to its websites. For instance, Women’s Money may monitor inbound traffic sources, visitor time spent online, bounce rate, and so on. Women’s Money may display this information publicly or provide it to others. However, Women’s Money does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Women’s Money discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that:

(i) need to know that information in order to process it on Women’s Money’s behalf or to provide services available at Women’s Money’s websites, and
(ii) that have agreed not to disclose it to others.

Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Women’s Money’s websites, you consent to the transfer of such information to them.

Women’s Money will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Women’s Money discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Women’s Money believes in good faith that disclosure is reasonably necessary to protect the property or rights of Women’s Money, third parties or the public at large.

If you are a subscriber of a Women’s Money website and have supplied your email address, Women’s Money may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Women’s Money and our products. We generally use articles on our websites to communicate this type of information, so we expect to keep this type of email to a minimum.

Women’s Money takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns.

Women’s Money uses cookies to help it identify and track visitors, their usage of Women’s Money websites, and their website access preferences. Women’s Money visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Women’s Money’s websites, with the drawback that certain features of Women’s Money’s websites may not function properly without the aid of cookies.

Business Transfers

If Women’s Money, or substantially all of its assets, were acquired, or in the unlikely event that Women’s Money goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Women’s Money may continue to use your personal information as set forth in this policy.

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Women’s Money and does not cover the use of cookies by any advertisers.

Advertising

The Website may choose to engage in third party advertising partner(s) from time to time. Such partner serves content and advertisements when you visit the Website, which may use first and third-party cookies. A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that a website can remember some information about your browsing activity on the Website. The cookie may collect information relating to your use of the Website, information about your device such as the device’s IP address and browser type, demographic data and, if you arrived at the Website via a link from a third-party site, the URL of the linking page.

First party cookies are created by the website that you are visiting. A third-party cookie is frequently used in behavioral advertising and analytics and is created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons and other similar technologies (collectively, “Tags”) may be placed on the Website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first and third-party cookies and clear your browser’s cache. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies, how to disable existing cookies and how to clear your browser’s cache. For more information about cookies and how to disable them, you can consult the information at www.allaboutcookies.org/manage-cookies/.

Without cookies you may not be able to take full advantage of the Website content and features. Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site.

The Website may collect IP addresses and location information to serve personalized ads and pass it to third party partners. If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit https://www.networkadvertising.org/managing/opt_out.asp. You may also visit https://optout.aboutads.info/#/ and https://optout.networkadvertising.org/# to learn more information about interest-based advertising. You may download the AppChoices app at https://www.aboutads.info/appchoices to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.

Comments

Comments contributed by visitors to Women’s Money’s websites, including all information supplied in the comment form including Name (as supplied by the visitor) and Website are visible to all other visitors and are stored on the server indefinitely.

An email address is also necessary to leave a comment and is stored by the blogging software but it is not visible to visitors. It is not required to be a valid email address, and will never be given away or sold or added to mailing lists without permission, or used for any reason except for the administrator to contact the commenting visitor.

This seldom happens and usually only happens when you are a regular commenter we believe you would actually want to hear from me, and we don’t have a better way of contacting you. (For example, if we wanted to ask a question about the book you recommended in your comment.)

Still, Women’s Money reserves the right to do so for any reason.

Correspondence sent via contact form

Women’s Money has a contact form that website visitors may use to get in touch with us. This content may be published on the blog, with personally-identifying information removed. We will almost always ask permission before doing so, but reserve the right to publish non-personally-identifying content copied from inbound contact form emails without the user’s permission, in the event that we believe it has value to other visitors of Women’s Money’s websites.

If the visitor requests beforehand that it not be published, or expressly denies permission beforehand when asked, it will not be published.

Privacy Policy Changes

Although most changes are likely to be minor, Women’s Money may change its Privacy Policy from time to time, and in Women’s Money’s sole discretion. Women’s Money encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

This Privacy Policy was adapted from that of Automattic.com via Creative Commons Sharealike license. You are free to use it too, as long as you offer your resulting policy under Creative Commons Sharealike license, and maybe link to Automattic.com because it was cool of them to offer it for others to use it as a framework.

General Disclaimer

All content provided on this site is for informational purposes only. Please note that Women’s Money may have a financial relationship with some of the merchants and website proprietors mentioned on this blog.

However, we do not engage in disingenuous endorsement. If we say we like something, we really do. If we say something is worthwhile, we really think it is.

Women’s Money makes no guarantees as to accuracy, completeness, or relevance of any claims made on this site and will not be held liable for any errors or omissions in their content, or any losses, injuries, damages or misunderstandings arising from the publication or use of this site’s content.

All information and advice is the opinion of the giver, whether it is that of the proprietor of the site or that of a visitor. Do with it what you will and take responsibility for it.

***

Women’s Money®

Minneapolis, Minnesota