Privacy Policy

Last Updated December 16, 2024

At SmartWithCents.com (“we,” “us,” or “our”), we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website https://www.smartwithcents.com. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it.

Your Rights

As a user of our website, you are entitled to the following rights:

Right to Be Informed
You have the right to know how your personal data is collected, processed, and used.
Right of Access
You may request a copy of your personal data and confirm how it is processed.
Right to Rectification
You may request corrections to any inaccurate or incomplete personal data.
Right to Erasure (Right to Be Forgotten)
You may request the deletion of your personal data, except where we have a legitimate or legal reason to retain it.
Right to Restrict Processing
You may ask us to limit how your personal data is processed in certain situations.
Right to Data Portability
You may request a copy of your data in a machine-readable format to transfer to another service provider.
Right to Object
You may object to processing based on legitimate interests, direct marketing, or profiling.
Rights Related to Automated Decision-Making
You may request human review of decisions made solely by automated means if these significantly affect you.
Right to File Complaints
You have the right to file a complaint with supervisory authorities if your information has not been processed in compliance with the General Data Protection Regulation. If the supervisory authorities fail to address your complaint properly, you may have the right to a judicial remedy.

Definitions

Personal Data (PD): Any information that identifies or can be used to identify an individual (e.g., name, email, IP address).
Non-Personal Data (NPD): Information that does not identify an individual (e.g., browser type, website analytics).
User: Collectively refers to visitors and members of our website.

Information We Collect

At Smart With Cents, we value your control over your personal data (PD). Below, we outline the types of information we collect, why we collect it, and how we process it.

Your Control Over the Information You Provide

You control the amount and type of information you share with us while using our website. Some information is necessary for specific services, while other data is optional and shared at your discretion.

Legal Basis for Collecting and Processing Personal Data

We process your personal data based on the following legal grounds:

Performance of a Contract
When you purchase our products or services, we collect and process your data as necessary to fulfill the contract or take steps at your request before entering into a contract.
Consent
When you sign up for newsletters, updates, or promotional materials, we process your data based on your explicit consent. You can withdraw this consent at any time.

What Happens If You Don’t Provide Your Personal Data

Providing personal data is optional; however, without sufficient information:

We may be unable to offer certain products or services.
You may still access and use some parts of our website that do not require personal data.

How We Collect Your Personal Data

We collect your personal data in the following ways:

Automatic Information
When you use our website, we automatically receive certain data from your browser or device, such as:
- The name of the website you came from and the one you visit next.
- Your IP address or the proxy server used to access the Internet.
- Your Internet Service Provider (ISP) name.
- Browser type, device type, operating system, and browsing activity on our website.
Purpose:
This information helps us analyze trends, improve website performance, and enhance your overall experience.
Cookies and Tracking Technologies
When you enter and use our website, and agree to cookies, some of these may collect your personal data. You can manage your cookie preferences through your browser settings or our cookie management tool.
At User and Member Registration
When you register for an account or membership, we collect:
- Your name and email address.
- Any additional details necessary to personalize your account or provide services.
When Buying Products or Services
During purchases, we collect:
- Your first and last name.
- Email address and physical address.
- Payment information (e.g., credit card details) via a secure third-party payment processor.
- Phone number for shipping or service updates, where applicable.
Collecting Your Location Information
If you use location-based services, we may collect and process data about your physical location through technologies like:
- GPS and IP tracking: To determine your location accurately.
- Information about nearby cell towers and Wi-Fi access points.
Purpose:
Location data allows us to provide region-specific content, ensure secure transactions, and analyze service usage trends.

Our Use of Cookies

Our website uses cookies to enhance your browsing experience and provide relevant services. A cookie is a small text file that is downloaded to your computer or mobile device when you access certain websites. Cookies often contain a unique sequence of letters and numbers that can identify your device and may store other data about your visit.

By using our website and agreeing to cookies, you grant us and our third-party partners permission to place, store, and access cookies as outlined below.

Types of Cookies We Use

Strictly Necessary Cookies

These cookies are essential for the basic functionality of our website. They allow features like:

Displaying content correctly.
Logging into your account.
Validating your session.
Fulfilling requests for services.

Note: Disabling these cookies may prevent access to some website features or services.

Performance Cookies

Performance cookies help us understand how visitors interact with our website by collecting data such as:

Pages visited.
Traffic sources.
User interests.
Website performance metrics.

This data allows us to optimize our website and improve the user experience.

Functional Cookies

These cookies enable our website to remember your preferences and enhance your experience. For example:

Language settings.
Login details.
Personalization options (e.g., saved blog posts or video settings).

Media Cookies

Media cookies improve your browsing experience by enabling access to additional website features, such as:

Playing embedded videos or audio files.
Displaying interactive content.

These cookies may be placed by us or third-party service providers.

Advertising or Targeting Cookies

Advertising cookies allow us to:

Build a profile of your browsing behavior.
Deliver personalized ads on other websites.

These cookies are often managed by advertising networks. You can disable them to see fewer targeted ads.

Session Cookies

Session cookies link your actions during a single browser session. They:

Track items in your shopping cart.
Remember changes made to pages during your visit.

These cookies expire once you close your browser.

Persistent Cookies

Persistent cookies remain stored on your device between browser sessions. They:

Remember your preferences (e.g., login credentials).
Help serve targeted advertising.

Persistent cookies stay on your device until deleted manually or automatically after their expiration.

How We Use Cookies

We may use cookies for the following purposes:

To identify which parts of our website you’ve visited.
To personalize the content you see.
To analyze website performance and user behavior.
To support remarketing campaigns and targeted advertising.
To remember your preferences and account details.
To allow you to share content on social media.

Most web browsers allow you to manage cookies. However, disabling cookies may affect your ability to use certain features on our website.

Web Beacons

We also use web beacons, a technology that collects general information about:

Your interactions with our website.
How you use special promotions or newsletters.

Web beacons enable us to track the number of email opens and gain insights into customer behavior.

Third-Party Services and Cookies

Google Ad and Content Network Privacy Notice

We partner with Google to display ads tailored to your interests. Google uses cookies like the DoubleClick cookie to track your browsing activity. This allows us to:

Serve ads based on your previous visits to our website.
Show personalized ads across the Google network.

Opt-Out: You can opt out of the DoubleClick cookie by visiting http://www.aboutads.info/choices/. For European users, visit http://www.youronlinechoices.eu.

Google Analytics Privacy Notice

Our website uses Google Analytics to track and analyze user interactions, including:

Age, gender, and interests.
Demographics.
Traffic sources and behavior on our site.

Purpose:

To optimize website performance.
To improve marketing and advertising strategies.

Google Analytics Features Enabled:

Remarketing.
Display Network Impression Reporting.
Demographics and Interest Reporting.

Google Analytics collects your IP address but does not associate it with other personal data. For more information about how Google collects and processes data, visit https://www.google.com/policies/privacy/partners/.

Opt-Out: You can opt out of Google Analytics by installing the browser add-on: https://tools.google.com/dlpage/gaoptout.

Google Remarketing

We use Google Remarketing to serve ads to users who have previously visited our website. This allows us to show personalized ads on Google and other partner websites.

Opt-Out: Manage your ad settings here: https://adssettings.google.com or use the Network Advertising Initiative opt-out tool.

Facebook Remarketing

We use Facebook Pixel to target ads to users based on their activity on our website. This allows us to:

Show personalized ads on Facebook.
Build lookalike audiences for marketing campaigns.

Opt-Out: Manage your preferences on Facebook at https://www.facebook.com/help/568137493302217.

Managing Cookies

You can control cookie settings through your browser. Most browsers allow you to:

Block cookies.
Delete cookies.
Manage cookie preferences.

However, disabling cookies may limit the functionality of our website.

If you have any questions about cookies or how we use them, please contact us!

How Your Information Is Used

We use the information we collect from you to provide services, enhance your experience, and ensure the smooth functioning of our website. Below is a detailed breakdown of how your information is used.

Purpose of Using Your Information

To Provide Products and Services
Your data helps us fulfill your requests and provide the products or services you purchase.
To Personalize and Improve Your Experience
We use your information to customize our website’s content, improve user experience, and offer personalized recommendations.
To Make Improvements
Analyzing user feedback and behavior enables us to refine and enhance our website’s functionality.
To Communicate Updates
We may contact you about updates to our website, products, services, or changes to policies.
To Address Issues and Resolve Disputes
Your information helps us investigate and resolve disputes, troubleshoot technical issues, and respond to queries.
For Marketing and Advertising
We may send you marketing communications about our products, services, or promotions we believe might interest you.

Communications and Emails

How We Contact You:
We use the email address you provide during registration or purchase to communicate updates or respond to inquiries.
Promotional Emails:
Unless you opt out, we may send promotional offers and newsletters from us or our affiliates. You can update your preferences or unsubscribe at any time by contacting us at: [Your Contact Email].

Sharing Information With Affiliates and Third Parties

We respect your privacy and do not sell or rent your personal data (PD) to third parties for marketing purposes. However, we may share your data under the following circumstances:

Aggregated Data for Analytics:
Non-personal data (NPD) may be aggregated and shared with third parties for analytics or research purposes. Aggregated data will not include identifiable personal data.
Service Providers:
We may share your personal data with trusted third-party providers who assist with:
- Payment processing.
- Web analytics (e.g., Google Analytics).
- Advertising and remarketing.
- Customer support and helpdesk services.
- Accounting, auditing, or legal compliance.
- Shipping and delivery services.

Sharing Information With Facebook and Google

We may share your personal data with:

Google and Facebook for Marketing:
- Similar Audience Marketing/Lookalike Audiences:
  Your data may be used to create audiences with similar interests to improve our marketing campaigns.
Purpose:
By analyzing shared data, we can identify potential users who may benefit from our services.

Consent:
By using our website and agreeing to this Privacy Policy, you consent to the sharing of your data for marketing purposes as outlined here.

Legally Required Disclosures

We may disclose your personal data if required under the following circumstances:

Compliance with Legal Obligations:
- To comply with subpoenas, laws, or legal processes.
- To assist law enforcement or government authorities.
Protection of Legal Rights:
- To enforce our Terms of Service or prevent legal claims against us or others.
- To safeguard the rights, safety, or property of our users, employees, and affiliates.

Disclosures to Successors

If Smart With Cents undergoes a business transaction such as a sale, merger, or bankruptcy:

Transfer of Personal Data:
Your personal data may be transferred to the new entity as part of the transaction.
Continued Use:
The new business will retain the right to use your data as outlined in this Privacy Policy unless changes are communicated to you.

Community Discussion Boards

Our website may host forums or discussion boards for user interaction. Please keep in mind:

Public Nature of Posts:
Information you share on discussion boards or comment sections may be visible to anyone online.
User Responsibility:
Avoid sharing sensitive personal data. We are not liable for any misuse of information you voluntarily share.
Potential for Global Access:
Data posted publicly may be accessed and used by individuals worldwide.

Retaining and Deleting Your Personal Data

At Smart With Cents, we retain personal data (PD) only for as long as it is necessary to fulfill legal, business, or tax-related obligations. Your data may be stored in electronic form, physical records, or a combination of both. Once your data is no longer required for these purposes, we will securely destroy, delete, or anonymize it to prevent unauthorized access or misuse.

Updating Your Personal Data

You can update your personal data directly through the tools and features available on our website. If such features are unavailable, you can contact us using the details provided in this Privacy Policy, and we will assist you.
Please note, however, that we may need to retain certain information to comply with legal obligations, enforce agreements, or resolve disputes.

Revoking Consent

You have the right to revoke your consent to the processing of your personal data at any time. To do so, please contact us at [Your Contact Email].
Revoking consent will not affect:

Legally permitted disclosures to affiliates or business partners.
Disclosures to third-party service providers required for business operations, such as payment processing or data management.
Compliance with legal or regulatory obligations.
Previously completed data disclosures made under valid consent.

While we will respect your request, some services may no longer be available if you withdraw your consent.

Protecting the Privacy of Third Parties

If you share content or post information about third parties on our website (e.g., in community forums), it is your responsibility to ensure that you have the proper permissions to disclose this information.
We are not legally responsible for user-submitted content but will remove any postings that violate the privacy rights of others if notified.

Do Not Track (DNT) Settings

Certain browsers allow users to send “Do Not Track” (DNT) signals to websites. At this time, Smart With Cents does not respond to DNT signals. However, you can manage other tracking features through your browser’s settings or refer to this Privacy Policy for information about managing cookies and similar technologies.

Links to External Websites

Our website may contain links to third-party websites for your convenience. These websites are not governed by this Privacy Policy, and we are not responsible for their privacy practices.
When accessing third-party websites, we encourage you to review their privacy notices to understand how your data will be handled. Your use of external sites is at your own risk.

Children’s Privacy

Our website is not intended for use by individuals under the age of 16. We do not knowingly collect personal data from children under 16. If we discover that we have collected such data, we will delete it promptly.
If you are a parent or guardian and believe your child has accessed our website or shared personal data, please contact us. Proof of identification may be required to prevent malicious removal of account information.

Email Policy

You can opt out of receiving promotional emails or newsletters from Smart With Cents at any time by using the unsubscribe link included in each email or contacting us directly.
We will not sell, rent, or trade your email address to unaffiliated third parties without your consent, except in cases such as:

The sale or transfer of our business.
Compliance with legal obligations.
Bankruptcy proceedings.

Security Policy

We use industry-standard security measures and authentication tools to protect your personal data. These include:

Data encryption during transmission (e.g., SSL for payment processing).
Technical and organizational safeguards against unauthorized access or data breaches.

While we take every reasonable precaution, no system is completely secure. You should:

Use strong passwords.
Avoid sharing account credentials.
Log out of your account when using shared devices.

Use of Credit Cards

If you provide credit card information to purchase products or services, the data will be handled by secure third-party payment processors. These processors adhere to industry standards to protect your information.
Smart With Cents does not store your credit card information and is not liable for any misuse of your data by third-party payment services.

Transferring Personal Data Outside the European Union

If you are located in the European Union, your personal data may be transferred to and processed in countries outside the EEA, including the United States. These countries may not provide the same level of data protection as the EU.
To ensure your data is secure, we rely on:

Standard Contractual Clauses (SCCs).
Your explicit consent for data transfers when required.

By using our services, you consent to these transfers under the conditions described in this Privacy Policy.

Changes to Our Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on our website with the updated “Effective Date.”
If significant changes are made to how we handle your personal data, we will notify you via email or through a prominent notice on our website.
Your continued use of our services after changes are made constitutes your acceptance of the revised policy.

Questions About Our Privacy Policy

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us!

We are committed to protecting your privacy and addressing your concerns promptly.