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Moneysmartz understands and respects your concerns about privacy. At the same time, we do ask that
you provide information about yourself in order for us to understand your needs better and make your experience
at Moneysmartz more valuable to you. We created this Privacy Policy to provide you with notice of what information
Moneysmartz may collect, how such information may be used or shared with third parties, and how such information relates
to the operation of the Site. This Privacy Policy is subject to the Terms and Conditions of Use (the "TCU") posted
on the Site, including the provisions regarding change or modification of this Privacy Policy and other policies as
set forth in the TCU. You are responsible for checking this page periodically for changes and updates to the Privacy
Policy. Your use of the Site following any posted changes to the Privacy Policy will be deemed an acceptance
of such changes. This Privacy Policy is part of, and incorporated into, the TCU.
The Site is not intended for use by persons under the age of thirteen. Individuals who are
under the age of thirteen are expressly prohibited from submitting to Moneysmartz or posting to the Site any
personally identifiable information about themselves.
By providing any personal information to this Site, you fully understand and unambiguously
consent to the collection and processing of such information in the United States and/or any other country.
- What personally identifiable information Moneysmartz collects from you, and how Moneysmartz uses the information;
- With whom your information may be shared;
- What choices you have regarding the collection, use and distribution of your information;
- What cookies are, and how Moneysmartz uses them;
- How Moneysmartz protects your personal information;
- How you can access, update or delete your information;
- What else you should know about your online privacy; and
- How you can contact us.
Moneysmartz collects and stores personal information in several ways at different parts of our Site. This
information may include your legal name, email address, age, gender, address, telephone number(s), areas of
interest, financial information, User ID, User Password and other self-identifying information. We collect this
information in order to provide you with our services more easily, and in a more personalized manner. We may
make message boards and discussion forums available to you. If you choose to voluntarily disclose certain
information on any such public area of the Site, this Privacy Policy will not cover such disclosure of information.
We urge exercising caution when disclosing information on public message boards or discussion forums.
Moneysmartz also may request certain information using online order forms for products and services. On the
order forms, we may collect contact information, financial information, demographic information, method of
payment and, if applicable, a credit or debit card number. We may also collect information about you in surveys
or for sweepstakes and contests on the Site and information about the searches you perform and the pages you visit
on the Site. Moneysmartz may also monitor, on an anonymous aggregate basis, patterns of use in connection with emails
that it sends out, including which links are clicked on in our email communications, so that we may use such
information to better personalize the content of the Site and our mailings for our users. All such information
will be protected in accordance with our Privacy Policy. We may also automatically collect your Internet Protocol
address to help diagnose problems and for system administration. Moneysmartz reserves the right to request any additional
information necessary to establish and maintain your account for use of the Site.
Moneysmartz uses the information collected from you in accordance with this Privacy Policy.
Information we collect is used to customize your experience at our Site. We also show you
content that we think will be interesting to you, and display content according to the preferences
you indicate while on our Site. Moneysmartz may use your information to send you promotional materials about
Moneysmartz and its partners. We may also use your information to contact you, if necessary.
Moneysmartz will not sell, rent or barter your personal information. However, we may from time to time aggregate statistical information regarding our
customers, traffic patterns and site usage, or sell our research, which may contain aggregate information.
In addition, we may report aggregate information to our advertisers. Such aggregate information will not individually
identify any user.
You may occasionally receive information about the products or services you have selected to place on your
personal Moneysmartz pages, which may include Moneysmartz products and services, and the products and services of our partners.
Moneysmartz believes that these updates are interesting and informative. In the event you are requested to register,
you may be given an opportunity to "opt in" to receive mailings from Moneysmartz and/or its partners by "checking" a
box in the registration form. If you submit a registration form with the box checked, you thereby consent to being
placed on this mailing list. You may subsequently contact us to request to be removed from this list. In every update
that we send, we may include an option to discontinue receipt of future updates. Moneysmartz reserves the right to limit any
registrations on our Site to those who will accept our information and to those who will provide the requested
information.
As part of offering and providing customizable and personalized services, Moneysmartz uses cookies to store and
sometimes track information about you. A cookie is a small amount of data that is transferred to your computer's
hard drive. All portions of the Site that prompt you to log in or that are customizable require that you accept
cookies. No other company has access to cookies placed on your computer by Moneysmartz unless you select the option, upon
registering with the Site, to share user-information with Moneysmartz's partners. We may use cookies technology to reduce
the time required for you to submit your requests and for Moneysmartz to respond to such requests. Cookies will not be used
by us to retrieve any information about you, or from your computer, that you have not voluntarily given to us. Cookies
may also be placed on your computer when you link from the Site to our partners' web sites or when you click banner ads
provided on our Site. Cookies placed on your computer by third parties by or through the Site, if any, are not
the responsibility of Moneysmartz and are not subject to the TCU. Please contact the third party placing these cookies
to find out what information is collected and how it is used. You can usually edit your browser not to accept
cookies, but the features of our Site may not function properly if you do not accept cookies. In addition, We use third-party
advertising companies to serve ads when you visit our website. These companies may use information (not including your name,
address, email address, or telephone number) about your visits to this and other websites 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, click here.
For all our transactions, we employ reasonable and current Internet security methods and technologies.
Where appropriate, we password protect, use encryption techniques and install firewalls. We strive to protect you.
We encourage our participating service providers to adopt and honor their own consumer privacy policies. For all our
efforts to safeguard your privacy, no system can be guaranteed. We cannot ensure or warrant the security of any
information that you transmit to us, or that we transmit to you, or guarantee that it will be free from unauthorized
access by third parties. Once we receive your information, we use reasonable efforts to ensure its security
on our systems.
As part of your use of the Site, you are responsible for maintaining and updating, as applicable, your
account Registration Data with current, accurate and complete information. You
may view, update and/or edit the Registration Data you have provided to Moneysmartz
by logging in to your account and following the appropriate instructions.
The Site may also contain
links to other web sites and advertising. The privacy policies of those web
sites and advertisers may significantly differ from that of our Site. It is
your responsibility to contact such web site operator or advertiser directly to
determine their privacy policy.
Any questions about our Privacy Policy, the practices of the Site, or your dealings with the Site
should be directed to our contact page:
Please click here and
complete our contact form.
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