Privacy Policy

This Privacy Policy applies to your access and use of all products and services that are made available by SmarterrMoney.org (“we”) through our website. This Privacy Policy operates in addition to our Terms and Advertiser Disclosure. 

This Privacy Policy describes the information that we gather from you, how we use your information, whom we share your information with, and the steps we take to protect your information. By using our website, you consent to the privacy practices described in this Policy.

Information We Collect

We may automatically receive and log certain types of information when you visit or interact with our website, including:

  • Browser Information
  • Operating System Information
  • Mobile Device Information (e.g., device identifier, mobile operating system, etc.)
  • IP Address
  • Internet Service Provider
  • Content Viewed
  • Geographic Location
  • Connection Speed
  • Time of Visit
  • Referring Site, Application, or Service
  • Registration Time

Cookies

When you use our website, we may send one or more cookies (which are small text files containing a string of alphanumeric characters) to your computer or mobile device. We may use both Session Cookies and Persistent Cookies. A Session Cookie disappears after you close your browser. A Persistent Cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Persistent Cookies can be removed. Please review your web browser’s file to learn the proper way to modify your Cookie settings. 

If you do not wish to have cookies placed and used on your computer, you should set your browser preferences to refuse cookies before accessing our website. We are not responsible for any failure by you or your browser to accurately implement or communicate your browser preferences or settings. If you choose to decline cookies, you may not be able to sign in or use other interactive features that depend on cookies.

We do not control and are not responsible for the use of cookies by its third-party partners or advertisers. 

Information from Third Parties

Pages on our website may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Some of the information we may receive about you include:

  • Name
  • Nickname or Username
  • Photo or Graphic Avatar
  • Unique Third Party Website Identifier (e.g., Facebook User ID)
  • Biographical or Demographic Information (e.g. professional title, gender, college attended, etc.)
  • Likes and Interests
  • Contacts/Friends/Associations
  • Any Information That Is Publicly Available on Third Party Websites

We also engage third-party partners and vendors like Google Analytics, WordPress, Amazon, and others, who provide analytics and advertising services. We allow these third parties, including advertising networks and analytics providers, to automatically collect information about your online activities on our website and across your browsers and devices using cookies, web beacons, mobile advertising identifiers, and other technologies. For example, we may use third-party analytics tools to help us understand and record the electronic path you take to our website, through our website, and when exiting our website, as well as your usage and activity on our website.

In addition, certain of our third-party partners may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and website analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes.

Your decision to use, or share with, a third-party website when accessing or using our website is completely voluntary. We are not responsible for compliance with the policies or practices of any third-party website.

Some of these third parties are members of the Network Advertising Initiative or the Digital Advertising Alliance and participate in the industry’s opt-out, available at http://optout.aboutads.info/#!/ or at http://optout.networkadvertising.org/#!/. Additionally, you may opt-out of the use of Google Analytics Cookies here: https://tools.google.com/dlpage/gaoptout.

How We Use Your Information

We use the Information we obtain from or concerning you or your computer or device to provide our services, fulfill your requests, improve our services, personalize and tailor your experience on our website, operate our business, and understand how users are engaging with us.

In addition, we may use information from or concerning you or your computer or device to facilitate the delivery of content or advertisements that we believe may be of interest to you or to communicate with you about new or existing products and services or special offers. For example, we may periodically send promotional materials or notifications related to our products and services to the email address associated with your account.

How We Share Your Information

We may disclose your information, including personal information, to third parties in the circumstances described below. By visiting, accessing, attending, or using our website, you consent to the disclosure of your Information to certain categories of third parties in the manner described below. This Privacy Policy does not apply to the policies or practices of any of these third parties.

Service Providers

We rely on third-party vendors and service providers to provide support and assistance for our products, services, and events (“Service Providers”), and we may disclose your personal information to these Service Providers to the extent necessary to support our products, services, or events, or as otherwise set forth below.

Web Hosts

Our website services are hosted by DreamHost, a web hosting platform. All Information obtained and stored by our website is processed and stored on servers that are owned and operated by DreamHost.

Third Party Sponsors

If you have elected to access research or content or use assessment tools from SmarterrMoney.org, we may share your personal information with business partner(s) and/or sponsor(s) of the assessment tool, research, and/or content. You agree that these sponsor(s) and/or business partner(s) may use your personal information to contact you to provide additional information about their products or services.

Third-Party Websites

We offer the ability to share our content on third-party websites, including social networking and blogging services such as LinkedIn or Facebook, through ‘plugins’ or ‘widgets’ (such as LinkedIn’s ‘in’ button or Facebook’s ‘Like’ button). When you elect to share content and information with others on third-party websites, we may transmit your information to such third-party websites. This Information may be visible on the third-party website to anyone who has access to that content or information.

Your decision to share information in this manner is completely voluntary. You should ensure that you are comfortable with how third-party websites may share your Information by reviewing their privacy policies and/or modifying your privacy settings directly on those third-party websites.

URL/Referrer Header Information

When you visit our website, certain information about the content or activities you have engaged in may be reflected in the Uniform Resource Locator (‘URL’) for the page you are viewing. For example, the date or title of an article you are viewing may appear in the URL for that page. If you leave our website to visit a third-party website, including when you click on an advertisement or link or when you share information through a social plug-in, the information contained in the URL may be transmitted to the third-party website by your browser.

Advertisers and Analytics Services

We use third-party advertisers, including ad networks, to provide advertising on our website. In addition, we use third-party analytics products to obtain information about how users are using and interacting with us. These third parties may receive information from us.

Law Enforcement/Legal Process

We may disclose your information when we believe in good faith that disclosure is necessary to comply with any law, regulation, or legal request; enforce, apply, or investigate breaches of our terms of use and other agreements; respond to public requests; or protect the rights, property, user experience or safety of SmarterrMoney.org, our employees, our users, or others. This can include exchanging information with other companies and organizations for fraud protection and credit risk reduction.

Data Security

We have implemented reasonable security measures and practices to protect the confidentiality of your personal information. However, no security system is impenetrable. It may be possible for third parties to intercept or access the information you provide to us. We cannot guarantee the security of your personal information, nor can we guarantee that information you supply will not be intercepted while being transmitted to us. It is important for you to protect against unauthorized access to your computer or device.

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 right, 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 us, you can contact us here.

Changes to the Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. We will notify you about material changes in the way we treat your information, including by placing a prominent notice on the website or by sending you an email so that you can choose whether to continue using our website. Please revisit this page periodically to stay aware of any changes to this Privacy Policy. For the avoidance of doubt, disputes arising hereunder will be resolved in accordance with the Privacy Policy in effect at the time the dispute arose.

How to Contact Us

We welcome any questions or comments you may have regarding this Privacy Policy or its implementation. Any such questions or comments should be submitted to contact@smarterrmoney.org. We will undertake reasonable efforts to resolve or address your concern.