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Privacy Policy Who we are Savvy Family Finance (“Company,” “we,” or “us”) respects your privacy and is committed to protecting it through this Privacy Policy. This Privacy Policy governs your access to and use of www.savvyfamilyfinance.com, including any content, functionality and services offered on or through www.savvyfamilyfinance.com (the “Website”), whether as a guest or a registered user. Accordingly, we have developed this policy in order for you to understand how we collect and make use of personal information. The following outlines our privacy policy. Please read the Privacy Policy carefully before you start to use the Website. By using the Website you accept and agree to be bound and abide by the Privacy Policy. If you do not want to agree to the Privacy Policy, you must not access or use the Website. Personal data we collect and why we collect it In order for us to operate and provide our services to you, it is sometimes necessary for us to collect or process information about you. When accessing the Website, Savvy Family Finance will learn certain information about you during your visit both automatically and through voluntary actions you may take. In general terms, this information will take one or more of the following forms: - Information that you provide to us directly, such as in the situation where you complete an online form or send us a message via our website; - Information that is automatically sent to us by your computer’s internet browser when you visit our website, such as your computer’s IP address or information about which particular internet browser you are using and so on; - Information about how you use our website or our services, such as which pages you visit, how frequently you visit the site and so forth. We refer to ‘personal data’ to mean any information that allows us to identify you personally. Examples of personally identifying information include your name and email address. We will always seek to gain your explicit consent to providing this information before we collect it from you, although this may not be the only legal basis on which we collect the data. All web servers track basic information about their visitors. This information includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. None of this information can personally identify specific visitors to this site. The information is tracked for routine administration and maintenance purposes. Why We Collect Information Savvy Family Finance collects your information in order to record and support your participation in the activities you select. If you register to download resources, sign up for our newsletter, and/or sign up for an online course or book, we collect your information. This information is used to track your preferences and to keep you informed about the products and services you have selected to receive and any related products and/or services. It is only when you seek to download resources and/or register for services that you are required to provide information. How Do We Use the Information Essentially, we use personal information for administering our business activities, providing customer service, and making other items and services available to our customers and prospective customers. Savvy Family Finance will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information to us. This information will not be sold or otherwise transferred to unaffiliated third parties without the approval of the user at the time of collection. From time-to-time, we may use the information you provide to us to make you offers to purchase products and services provided by third parties in exchange for a commission to be paid to us by such third parties. Should you opt to take part in such promotions, the third parties will receive your information. From time-to-time, we may use the information you provide to us to display advertisements to you that are tailored to your personal characteristics, interests, and activities. We may disclose information when legally compelled to do so. Comments When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment. Media If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website. Contact forms If you use a contact form on our site, data entered such as name, email address and comments is captured when the form is submitted. We keep contact form submissions for customer service purposes, but we do not use the information submitted through them for marketing purposes. If you do not submit an online form on the Website, no information will be collected in that regard. Cookies and Similar Technologies We have included cookies, web beacons, social media pixels, and similar technologies into one section because they all perform similar functions even if they work slightly differently. When you visit a website, that site’s computer asks your computer for permission to store a very small file, which often includes an anonymous unique identifier, in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it. To protect your privacy, your browser only permits a website to access the cookies that site has already sent to you, not the cookies sent to you by other sites. Most browsers (such as Chrome, Safari, Internet Explorer, Firefox, Opera, etc.) allow you to set preferences as to whether to allow or block website cookies and also may provide tools that allow you to remove any cookies that have already been set. If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year. Savvy Family Finance reserves the right to uses cookies, and technological equivalents such as pixels and web beacons, to store information about a visitor’s preferences and history in order to better serve the visitor and/or present the visitor with customized content. These pixels allow social media sites to track visitors to outside websites so as to tailor advertising messages users see while visiting that social media website. We reserve the right to use these pixels in compliance with the policies of the various social media sites. Third Party Use of Cookies Advertising partners, social media sites, and other third parties may also use cookies, scripts and/or web beacons to track visitors to our site in order to display advertisements and other useful information. Such tracking is done directly by the third parties through their own servers and is subject to their own privacy policies. Controlling Your Privacy Note that you can change your browser settings to disable cookies if you have privacy concerns. Disabling cookies for all sites is not recommended as it may interfere with your use of some sites. The best option is to disable or enable cookies on a per-site basis. Consult your browser documentation for instructions on how to block cookies and other tracking mechanisms. Embedded content from other websites Articles on this site 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 tracing your interaction with the embedded content if you have an account and are logged in to that website. IP Addresses An IP address is used by your computer every time you are connected to the Internet. Your IP address is a numerical label that is used by computers on the network to identify your computer. These IP addresses are automatically collected by our web server so that data such as the web pages can be sent to you. Analytics Savvy Family Finance uses Google Analytics to better understand how people use our website. When people visit our site, information about their visit (such as which pages viewed, how long spent on the site, etc.) is sent in an anonymous form to Google Analytics (which is controlled by Google). The data contains information about persons using our website from your computer, and there is no way to identify individuals from the data. No personally identifiable information is contained within the data sent to our analytics providers, and we also perform a process which partially obscures your IP address information. As analytics information is not personal data, we do not specifically ask for prior consent. You may visit the Google privacy policy & principles. Email Information If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received online and mail. This also applies when you sign up through any of our forms using your email address or make a purchase on this site. For further information see the email policies below. Email Policies We are committed to keeping your e-mail address confidential. We do not sell, rent, or lease our subscription lists to third parties, and we will not provide your personal information to any third party individual, government agency, or company at any time unless strictly compelled to do so by law. We will use your e-mail address solely to provide timely information about Savvy Family Finance. Users who no longer wish to receive our newsletter or promotional materials may opt-out of receiving these communications by clicking on the unsubscribe link in the e-mail. How long we retain your data If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information. We will retain the any other information you choose to provide to us until the earlier of: 1) you asking us to delete the information, 2) our decision to cease using our existing data providers, or 3) we decide that the value in retaining the data is outweighed by the costs of retaining it. What rights you have over your data If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes. Unsubscribe or Opt-Out All users and/or visitors to our website have the option to discontinue receiving communication from us and/or reserve the right to discontinue receiving communications by way of email or newsletters. To discontinue or unsubscribe to our website, please send an email that you wish to unsubscribe to the email on our website or click the unsubscribe link in the email. If you wish to unsubscribe or opt-out from any third party websites, you must go to that specific website to unsubscribe and/or opt-out. Where we send your data Visitor comments may be checked through an automated spam detection service. Email addresses that are submitted by the visitor through registration or opt-ins are stored with our email processing service. Additional information How we protect your data We use commercially accepted methods to ensure the security of the information you provide to us and the information we collect automatically. This includes using standard security protocols and working only with reputable third-party vendors. Note that email is not a secure mode of communication. For this reason, we request that you do not send private information to us by email. Doing so is allowed, but at your own risk. Some of the information you may enter on our website may be transmitted securely via a secure medium known as Secure Sockets Layer, or SSL. Sensitive information is never transmitted via email. For site security purposes and to ensure that this service remains available to all users, Savvy Family Finance uses software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. Links to Other Websites Our website does contain links to affiliates and other websites. Savvy Family Finance does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of each and every website that collects personally identifiable information. The aforementioned Privacy Policy agreement applies only and solely to the information collected by our website. Links to or from external sites not owned or controlled by Savvy Family Finance do not constitute an endorsement by Savvy Family Finance or any of its employees of the sponsors of these sites or the products or information presented therein. Special Note About Google Advertising Any advertisements served by Google, Inc., and affiliated companies may be controlled using cookies. These cookies allow Google to display ads based on your visits to this site and other sites that use Google advertising services. Learn how to opt out of Google’s cookie usage. As mentioned above, any tracking done by Google through cookies and other mechanisms is subject to Google’s own privacy policies. Visitors’ GDPR Rights If you are within the European Union and you have directly provided personal information to us (such as by completing an online form or contacting us for further information), you are entitled to certain information and have certain rights under the General Data Protection Regulation. Those rights include: - You have the right to request access to your data that the Company stores and the rights to either rectify or erase your personal data. - If you have consented to us processing your personal data, you have the right to withdraw that permission at any time; - You have the right to require us to erase the data held about you (the ‘right to be forgotten’); In the situation where we collect personal data automatically (such as from your internet browser or via internet Cookies or other similar technologies): - You have the right to object to the legal basis upon which we are collecting this data, and We have an obligation to consider and respond to that objection; - You have the right to request the prevention of further processing of your data while your objection is considered; - You have the right to lodge a complaint with a supervisory authority that has jurisdiction over issues related to the General Data Protection Regulation. We require only the information that is reasonably required to enter into a contract with you. We will not require you to provide consent for any unnecessary processing as a condition of entering into a contract with us. How to Contact Us If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email address laura   savvyfamilyfinance   com or at 4207 SE Woodstock #114, Portland, OR 97206
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Privatnost Ova polica privatnosti je sastavljena kako bi služila onima koji su zabrinuti kako se njihovi osobni podaci javno koriste. Osobni podaci, korišteni u polici privatnosti, su podaci koji se mogu koristiti samostalno ili s drugim podacima za identifikaciju, kao kontakt u pronalaženju pojedinih osoba ili za identifikaciju pojedinca u kontekstu. Kada prikupljamo podatke? Prikupljamo podatke onda kada se registrirate na našu stranicu ili unosite podatke na naše stranice. Molimo pažljivo pročitajte ovu izjavu o privatnosti, kako bi ste razumjeli naše stavove i postupke koji se odnose na Vaše osobne podatke, a kako bi ste uvidjeli kako ćemo se odnositi prema istim. Koje osobne podatke prikupljamo od ljudi koji posjećuju naš blog, web stranicu ili aplikaciju? Kada naručujete ili se registrirate na našu stranicu, prema potrebi, od Vas može biti traženo da unesete svoje ime, e-mail adresu, adresu stanovanja, telefonski broj, podatke o Vašoj kreditnoj kartici ili neke druge podatke koji će pomoći Vašem što boljem korisničkom iskustvu. PRIHVAĆATE NAŠU IZJAVU O ZAŠTITI PRIVATNOSTI Pristupom i/ili korištenjem web stranice, Vi (odnosi se na bilo koji subjekt ili osobu u čije ime djelujete) izričito prihvaćate, slažete se s izjavom o privatnosti navedenom u nastavku te se slažete da ste je u potpunosti razumjeli. Ukoliko se ne slažete ili Vam se ne sviđa bilo koji dio ove izjave o privatnosti, jedino rješenje je da odmah napustite tj. prestanete koristiti ovu web stranicu. S vremena na vrijeme zadržavamo pravo promjene izjave o privatnosti bez prethodne obavijesti. Svaki put kada pristupite i/ili se koristite ovom web stranicom biti ćete vezani za tadašnju/trenutnu izjavu o privatnosti. UVOD U potpunosti prihvaćamo Vaše pravo na privatnost i obvezujemo se štitit ga. Svi osobni podaci koje podnesete putem ove web stranice će biti tretirani u skladu sa Zakonom o zaštiti podataka 1988. i 2003. i u skladu s ovom izjavom o privatnosti. Neki od tehničkih pojmova koji se koriste u ovoj izjavi o privatnosti su objašnjeni na dnu ove stranice. VANJSKE WEB STRANICE Ova web stranica sadrži link-ove na neke druge/vanjske web stranice. Mi nismo odgovorni i ne možemo kontrolirati sadržaj izjava o privatnosti tih ostalih web stranica. Ostale web stranice vjerojatno imaju vlastitu Policu privatnosti, a mi ne prihvaćamo nikakvu odgovornost za navedene police privatnosti. Molimo provjerite navedene Police prije nego pošaljete osobne podatke na spomenute web stranice. KORIŠTENJE INTERNETA Nažalost, prijenos podataka putem interneta nije u potpunosti siguran. Nadalje, komuniciranje putem interneta i ostalih elektronskih sustava nužno uključuje protok osobnih podataka s kojima barataju i treće strane, na primjer davatelj internet usluga/Internet dobavljač. Iako ćemo se potruditi da zaštitimo Vaše osobne podatke, ne možemo garantirati sigurnost Vaših podataka prenesenih na našu web stranicu; svaki prijenos podataka je na Vašu vlastitu odgovornost. Mi ćemo provoditi našu sigurnosnu proceduru jednom kada Vaši podaci budu primljeni. PRIKUPLJANJE I KORIŠTENJE OSOBNIH PODATAKA OD STRANE NAS U cilju pružanja informacija o proizvodu, testiranja i drugih načina korištenja proizvoda, prikupljamo osobne podatke o Vama. Navedene podatke o Vama koristimo samo za svrhu za koju smo i naveli. Nismo u poziciji da utvrdimo jesu li Vaši osobni podaci ispravni i pravovaljani, s toga ste Vi odgovorni pružiti nam pravovaljanje i ispravne osobne podatke. Sve informacije, podatke koje pružite na ovaj način, neće biti dostupni trećoj strani, a mi ćemo ih koristiti samo za poslovne svrhe. Mi ne pohranjujemo podatke o korisnikovoj kreditnoj kartici, ovi podaci će biti pohranjeni preko tvrke koja pruža uslugu plaćanja i koja će čuvati navedene podatke u propisanim sigurnosim uvjetima, dok se ispunjavaju uvjeti Vaše pretplate. IZRAVNI MARKETING MATERIJALI S vremena na vrijeme Vas možemo kontaktirati s informacijama o promocijama, pomoćnim/dodatnim proizvodima te putem newsletter-a. Međutim, imati ćete izbor odabrati ili ne ovakve načine komunikacije, tako što ćete to naglasiti pri kupovini. Također ćete imati priliku pri svakoj elektroničkoj komunikaciji, koju smo poslali, naglasiti da ne želite više primati naš izravni marketinški materijal. OBJAVLJIVANJE OSOBNIH PODATAKA Mi nećemo prosljeđivati Vaše osobne podatke koje ste nam poslali putem web stranice trećim osoba, bez Vašeg izričitog odobrenja ( osim ako je obavezno ili dopušteno otkriti takve podatke od strane Zakona). Prihvaćate i slažete se da u određenim okolnostima možemo biti dužni/primorani otkriti osobne podatke koje ste nam dali trećim osobama, na primjer, ako je to u zahtjevima zakona ili u skladu s bilo kojim pravnim postupkom, kao i da bi zaštitili i branili svoja prava. Zadržavamo pravo prijenosa vlasništva web stranice (uključujući i osobne podatke koje ste nam dostavili) trećoj strani u slučaju prodaje, spajanja, likvidacije, stečaja ili prijenosa cijele ili gotovo cijele naše imovine, podružnice ili djela posla vezanog za nas. KORIŠTENJE KOLAČIĆA Kolačiće koristimo kako bi: Razumjeli i shvatili preferencije i želje korisnika za buduće posjete. Sakupili grupne podatke o web prometu i web interakciji što će nam pomoći da u budućnosti možemo ponuditi bolje web iskustvo i alate. Također možemo koristiti pouzdane usluge treće strane koja će pratiti te podatke u naše ime. Ova web stranica koristi kolačiće u omogućavanju našem sustavu da zapamti je li korisnik koristio ili ne svoju lozinku za prijavu. Ovo nam služi kako bi smo poboljšali našu web stranicu. To omogućuje da sustav automatski odjavi korisnike nakon određenog vremenskog perioda ili prisili korisnika da se ponovno prijavi, ako korisnik zatvori web stranicu, a zatim želi opet ući na stranicu. Ovo nam služi kako bi smo spriječili treće strane od neovlaštenog pristupa korisničkom računu te služi kako dodatna zaštita korisnika. Morate znati da tehničke detalje koje ne možemo povezati s nijednim pojedincem, ne čine“osobne podatke“ i ne podliježu Zakonu o zaštiti podataka 1988 i 2003. Spremljeni kako je gore navedeno, nema podataka koji su priklupljeni korištenjem kolačića koji mogu biti korišteni kako bi se identificirali korisnici web stranice. Ne morate prihvatiti korištenje kolačića. To ćete napraviti tako što ćete aktivirati postavku u Vašem pregledniku koja će Vam omogućiti da odbijete postavke kolačića. Međutim, ako odaberete ovu postavku možda nećete moći pristupi određenim djelovima naše web stranice. Osim ako ste postavili Vaš preglednik tako da će on sam odbiti kolačiće, naš sustav će pustiti kolačiće kada se prijavite na našu web stranicu. Imajte na umu da vanjske web stranice, stranice trećih osoba na koje omogućujemo link-ove (nad kojima nemamo kontrolu i ne odgovaramo na nijedan način) također mogu koristiti kolačiće. INTERNET OGLAŠAVANJE Neovisni poslužitelji, kao što je Google, mogu prikazivati oglase na web stranicama. Google koristi kolačiće pri prikazivanju oglasa na temelju korisnikovih prethodnih posjeta našoj web stranici. Korisnici mogu isključiti opciju prikazivanja kolačića korištenih od strane Google-a za oglašavanje. Možete isključiti kolačiće tako da: Isključivanjem DoubleClick kolačića: Korisnici mogu isključiti DoubleClick kolačiće posjećivanjem DART –a za prikazivanje oglasa i isključivanjem stranice kolačića. Isključivanjem Google-ovih oglašivaćkih kolačića: Korisnici mogu isključiti Google-ove kolačiće na način da odu na Google-ovu stranicu oglašavanja i privatnosti. Isključivanjem kolačića svih oglašivača: Korisnici mogu isključiti kolačiće ostalih oglašivača, uključujući Google, posjetom Network Advertising Initiative's stranice. VAŠA PRAVA U određenim okolnostima također možete zahtjevati brisanje Vaših osobnih podataka koje mi imamo. Da bi ostvarili ovo pravo, što bi se općenito moglo očekivati pri prepoznavanju kršenja zakona o zaštiti podataka na način na koji smo obradili dotične podatke. Rješavati ćemo takve zahtjeve u zakonski predviđenom roku za to. Za ostvarivanje bilo kojeg od navedenih prava molimo kontaktirajte nas putem e-mail-a: U prethodno navedenim zahtjevima trebaju biti uključeni i svi Vaši osobni podaci koji ste dali prethodno na web stranicu (npr. ima i prezime, adresa, broj telefona, e-mail adresa, lozinka lli drugo). Zadržavamo pravo zatražiti Vas da nam omogućite dodatne podatke kako bi potvrdili Vaše osobne podatke ili provjerili Vaš identitet. Ako su navedeni podaci potrebni, to bi moglo utjecati na vremenski rok unutar kojeg će se zahtjev riješiti. SIGURNOST Naš sigurnosni sustav je zaštićen, primjenom odgovarajućih fizičkih, organizacijskih i tehničkih mjera. Redovno pregledavamo našu Policu privatnosti. MJERODAVNO PRAVO I NADLEŽNOST Ova Polica privatnosti i sva pitanja koja se odnose na ovu web stranicu uređena su hrvatskim zakonom i podliježu isključivo nadležnosti hrvatskih sudova. COPPA ( Online Zakon o zaštiti privatnosti djece) Kad se radi o prikupljanu osobnih podataka od djece mlađe od 13 godina, Zakon o zašiti privatnosti djece (COPPA) stavlja roditelje u kontrolu. The Federal Trade Commission, agencija za zaštitu potrošača, provodi COPPA pravila, koja navodi što operatori web stranice i online usluga moraju činiti kako bi zaštitili dječju privatnost i sigurnost na internetu. Ne postoji posebna oznaka na kojoj piše, nije za djecu ispod 13 godina. KONTAKTIRAJTE NAS Ako imate bilo kakva pitanja vezana za Policu privatnosti , stvarima vezanim za ovu web stranicu ili one koje se odnose na ovu web stranicu slobodno nas kontaktirajte na e –mail: info@site4.mobi RJEČNIK STRUČNIH POJMOVA Kolačići: Mali dijelovi informacija, pohranjeni u jednostavne tekstualne datoteke, nalaze se/smješteni su u Vašem računalu putem web stranice. Kolačići se mogu pročitati na web stranici putem Vaših naknadnih posjeta. Podaci pohranjeni u kolačićima se mogu odnositi na Vaše navike pretraživanja web stranice ili Vaš jedinstveni broj, tako da Vas web stranica može zapamtiti pri Vašim narednim posjetima. Općenito govoreći, kolačići ne sadrže osobne podatke pomoću kojih Vas se može indentificirati, osim ako niste smjestili takve podatke na web stranicu. Hvala što ste posjetili našu web stranicu.