This blog is a personal blog written and edited by me. For questions about this blog, please contact Kimberly at Lovetofrugal.com.

This blog may accept forms of cash advertising, sponsorship, paid insertions or other forms of compensation. In the spirit of full disclosure and transparency, some of the posts on this site contain affiliate links, which means I may get a commission at no extra cost to you, if you decide to click on them and make a purchase.

This blog abides by word of mouth marketing standards. I believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog may be compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of this blog may receive compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers’ own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question contained content which might present a conflict of interest. This content may not always be identified.

Love To Frugal is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.

To get your own policy, go to http://www.disclosurepolicy.org

Privacy Policy

This blog does not share personal information with third parties nor do we store any information about your visit to this blog other than to analyze and optimize your content and reading experience through the use of cookies.

You can turn off the use of cookies at anytime by changing your specific browser settings.

We are not responsible for republished content from this blog on other blogs or websites without our permission.

Yes, we do use 3rd party advertising companies to place ads when you visit Love to Frugal.  These companies might use aggregated information (not including your name, address, email address or telephone number) about your visits to this and other sites in order to provide advertisements about goods and services of interest too you.

This privacy policy is subject to change without notice and was last updated on June 12, 2020. If you have any questions feel free to contact me directly here: Kimberly@Lovetofrugal.com

This Privacy Policy explains how information about you is collected, used and disclosed by Love To Frugal.  This Privacy Policy applies to information we collect when you use “Services”, or when you otherwise interact with us.

We may change this Privacy Policy from time to time. If we make changes, we will notify you by revising the “Last Updated” date at the top of this policy and, in some cases, we may provide you with additional notice (such as by adding a statement to our website or by sending you a notification). We encourage you to review our Privacy Policy whenever you access the Services or otherwise interact with us to stay informed about our information practices and the ways you can help protect your privacy.

Mediavine Programmatic Advertising

Mediavine Programmatic Advertising (Ver 1.1)

The Website works with Mediavine to manage third-party interest-based advertising appearing on the Website. Mediavine 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.

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 All About 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. In the event you opt-out, you will still see non-personalized advertisements on the Website.

The Website collects the following data using a cookie when serving personalized ads:

  • IP Address
  • Operating System type
  • Operating System version
  • Device Type
  • Language of the website
  • Web browser type
  • Email (in hashed form)

Mediavine Partners (companies listed below with whom Mediavine shares data) may also use this data to link to other end user information the partner has independently collected to deliver targeted advertisements. Mediavine Partners may also separately collect data about end users from other sources, such as advertising IDs or pixels, and link that data to data collected from Mediavine publishers in order to provide interest-based advertising across your online experience, including devices, browsers and apps. This data includes usage data, cookie information, device information, information about interactions between users and advertisements and websites, geolocation data, traffic data, and information about a visitor’s referral source to a particular website. Mediavine Partners may also create unique IDs to create audience segments, which are used to provide targeted advertising.

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 National Advertising Initiative opt out page. You may also visit Digital Advertising Alliance website and Network Advertising Initiative website to learn more information about interest-based advertising. You may download the AppChoices app at Digital Advertising Alliance’s AppChoices app to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.

For specific information about Mediavine Partners, the data each collects and their data collection and privacy policies, please visit Mediavine Partners.

Collection of Information

Information You Provide to Us

We collect information you provide directly to us. For example, we collect information when you create an account, participate in any interactive features of the Services, subscribe to a newsletter or email list, participate in an event, survey, contest or promotion, make a purchase, communicate with us via third-party social media sites, request customer support or otherwise communicate with us.

The types of information we may collect include your name, email address, password, postal address, phone number, gender, date of birth, occupation, employer information, photo, payment information (such as your credit or debit card and billing address), preference or interest data, and any other information you choose to provide.

If you provide an email address to invite a friend to participate in the Services, we will collect that email address and use it to send your friend such an invitation.

 Information We Collect Automatically

When you access or use our Services, we may automatically collect information about you, including:

 Log Information: We collect log information about your use of the Services, including your Internet Protocol (“IP”) address, web request, access times, pages viewed, web browser, links clicked and the page you visited before navigating to the Services.

Mobile Device Information: We collect information about the mobile device you use to accessour Services, including the hardware model, operating system and version, unique device identifiers, mobile network information and information about your use of our mobile applications.

Information We Collect From Other Sources:

We may also obtain information from other sources and combine that with information we collect through our Services. For example, if you create or log into your account through a third-party social media site, we will have access to certain information from that site, such as your name, account information and friends lists, in accordance with the authorization procedures determined by such social media site; we may also collect information about you when you post content to our pages/feeds on third-party social media sites.

Use of Information

We may use information about you for various purposes, including to:

•Provide, maintain, improve and promote our products and services;

•Provide and deliver the information, products and services you request, process transactions and send you related information, including confirmations and receipts;

•Send you technical notices, updates, security alerts, and support and administrative messages;

•Respond to your comments, questions and requests, and provide customer service;

•Communicate with you about products, services, surveys, offers, promotions, rewards and events offered by Company and others, and provide news and information we think will be of interest to you;

•Monitor and analyze trends, usage and activities in connection with our Services;

•Personalize and improve the Services and provide advertisements, content or features that match user profiles or interests;

•Facilitate contests, sweepstakes and promotions, and process and deliver entries and rewards;

•Link or combine with information we get from others to help understand your needs and provide you with better service; and

•Carry out any other purpose for which the information was collected.

We are based in the United States and the information we collect is governed by U.S. law. By accessing or using the Services or otherwise providing information to us, you consent to the processing and transfer of information in and to the U.S. and other countries.

Sharing of Information

We may share information about you as follows or as otherwise described in this Privacy Policy:

•With vendors, consultants and other service providers who need access to such information to carry out work or perform services on our behalf;

•When you participate in the interactive areas of our Services, certain information you provide may be displayed to other users, such as your name, photo, comments and other information you choose to provide;

•In response to a request for information if we believe disclosure is in accordance with, or required by, any applicable law, regulation or legal process;

•If we believe your actions are inconsistent with our user agreements or policies,or to protect the rights, property and safety of Company or others;

•In connection with, or during negotiations of, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company; and

•With your consent or at your direction.

Social Sharing Features

The Services may offer social sharing features and other integrated tools (such as the Facebook “Like” button), which let you share actions you take on our Services with other media, and vice versa. Your use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the entity that provides the social sharing feature. For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the entities that provide these features.

Advertising and Analytics Services Provided by Others

We may allow others to serve advertisements on our behalf across the Internet and to provide analytics services. These entities may use cookies, web beacons and other technologies to collect information about your use of the Services and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information. This information may be used by Company and others to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites and better understand your online activity. For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes by companies that participate in the Digital AdvertisingAlliance, please visit www.aboutads.info/choices.

Security

Company takes reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction.

Account Information

You may review, correct or modify information maintained in your online account at any time by logging into your account and updating your profile information or by emailing us at Lovetofrugal@gmail.com

If you wish to delete or deactivate your account, please email us at Lovetofrugal@gmail.com, but note that some information you provide through the Services may continue to be accessible (e.g., comments you submit through the Services) and that we may continue to store information about you as required by law or for legitimate business purposes. We may also retain cached or archived copies of information about you for a certain period of time.

Cookies

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability or functionality of our Services

Promotional Communications

You may opt out of receiving promotional communications from us by following the instructions in those communications or by sending an email to Lovetofrugal@gmail.com. If you opt out, we may still send you non-promotional communications, such as those about your account or our ongoing business relations.

Push Notifications/Alerts

With your consent, we may send push notifications or alerts to your mobile device. You can deactivate these messages at any time by changing the notification settings on your mobile device.

Contact Us

If you have any questions about this Privacy Policy, please contact us at Lovetofrugal@gmail.com

Comment Policy

We love and welcome comments, but will not tolerate disrespect or foul language.  Everyone is welcome and encouraged to share ideas and experiences.  Please, no advertising in comments.  We reserve the right to remove any comments not in compliance with the above stated policy.  All we ask is to be kind and respectful.