Last updated: July 03, 2020
Disclaimer
Merry for Money may contain affiliate links at no cost to you. It keeps the lights on around here.
Merry for Money has financial ties with some of the merchants mentioned. We may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the merchant. We are compensated for certain paid links and advertisements on this blog. You are not obligated to click on any link or buy any products that are advertised.
Merry for Money or any of the website owners make any representations as to the validity, accuracy, completeness, or suitability of any claims made on the site. Merry for Money is intended for informational and entertainment purposes only and is not meant to be taken as financial advice. The views expressed on this website are personal opinions only and should not be construed as financial advice for your given situation.
Always consult with a financial professional like investment advisor and/or accountant for specific financial advice. All information provided on this site is for informational purposes only and does not constitute professional financial advice on your case. Furthermore, advertisers, commenters, and linked sites are solely responsible for their views and content – and do not necessarily represent the views of us or our members.
All attempts are made to present accurate information, it may not be appropriate for your specific circumstances and information may become outdated over time. I am not a tax professional.
*Merry for Money is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
*By using the site beyond May 25th, 2018 you are agreeing to all of the following policies and beyond including GDPR for EU users.
Ads
Other third-party companies which place advertising on our site may collect information about you when you view or click on their advertising through the use of their cookies or other tracking technologies, which may include delivering targeted advertisements and marketing messages based upon the third party websites that you visit, or other purposes. We cannot control this collection of information and are not responsible for the privacy policies and data collection, use and disclosure practices of these third party advertisers.
Display Ads
We may use third-party advertising companies to serve content and advertisements when you visit the Website, which may use cookies, as noted above.
Retargeting Ads
From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Facebook, or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone’s past visits to the Website.
What Personal Data I Collect and Why I Collect It
Contact Forms
Information collected via contact form is used only by me to communicate with you regarding your inquiries. No one else receives this information.
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.
Newsletter
When you sign up for my mailing list, your name and email are kept by my mailing list provider for the purpose of sending newsletters via email.
I collect your email address only if you voluntarily provide it to me. This may occur, for example, if you sign up to receive an email newsletter, posts by email, leave a comment, or enter a promotion. I will use your email address only for the purpose for which you provided it to me. You may opt out of such email communications at any time by clicking the “unsubscribe” button at the bottom of the email.
If you are a resident of a country in the European Economic Area (EEA), please refer to the section below entitled “Additional Rights of EEA Residents.”
Analytics
I use Google Analytics to track anonymous usage data. Information is collected through the use of cookies and is used only to analyze site performance, and this gives me information on page views and site traffic (but NOT anything about who you are or any kind of personal information of any kind). You can turn off cookies at anytime by modifying your browser’s settings.
Affiliate Links
Some of the links on this site are ads, partners, or affiliate links. This means I might make a small commission if you buy from the linked sites.
Security Logs
The IP address of visitors, user ID of logged in users, and username of login attempts are conditionally logged to check for malicious activity and to protect the site from specific kinds of attacks. Examples of conditions when logging occurs include login attempts, log out requests, requests for suspicious URLs, changes to site content, and password updates. This information is retained for 14 days.
Cookies
Cookies are used by various plugins and scripts on my site in order to give me information about website visitors (analytics), to keep track of cookie consent/denial, by advertisers to monitor visitor behavior, and by various social media sites when I embed content from them.
If you leave a comment on the 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.
If you have an account (for the shop) and you log in to this site, it will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, the site will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
By using this site, you consent to the use of such cookies and the sharing of data captured by such cookies and our other third-party partners.
Google Cookies
You can view, delete or add interest categories associated with your browser by visiting: https://adssettings.google.com. However, these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser your opt-out will not be maintained. Google’s privacy policy is available at: https://www.google.com/policies/privacy/
Embedded Content from other sites
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 tracking your interaction with the embedded content if you have an account and are logged in to that website.
Blocking Cookies
Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can, however, obtain up-to-date information about blocking and deleting cookies via these links:
(a) https://support.google.com/chrome/answer/95647?hl=en (Chrome);
(b) https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences(Firefox);
(c) http://www.opera.com/help/tutorials/security/cookies/ (Opera);
(d) https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
(e) https://support.apple.com/kb/PH21411 (Safari); and
(f) https://privacy.microsoft.com/en-us/windows–10-microsoft-edge-and-privacy(Edge).
Please note that blocking cookies may have a negative impact on the functions of many websites, including my site. Some features of the site may cease to be available to you.
Who I Share Your Data With
I do not share names or email addresses sent via contact forms with any other party.
If you sign up for my mailing list, my mailing list provider will have your name and email address.
Google Analytics only retains info about visitors, pages viewed, etc. GA does not collect any info that could identify you personally (but they collect data around the web in various forms and aggregate it, so see further info below to manage that data).
Data collected by social media companies (Facebook, Twitter, Pinterest, etc) becomes part of the data that each collects; see their individual sites for information about managing your data.
This site is scanned for potential malware and vulnerabilities by Sucuri’s SiteCheck. We do not send personal information to Sucuri; however, Sucuri could find personal information posted publicly (such as in comments) during their scan. For more details, please see Sucuri’s privacy policy.
WordPress itself does not share any data with anyone.
How Long I 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, 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.
Security Logs
Security logs are retained for 14 days.
Google Analytics
Google Analytics keeps data on site traffic up to 14 months, the shortest retention period available (but remember, site stats do not have any info about who you are personally). While my site does not give Google any personal info about you, other websites might have at some point.
You can find out more & use tools to manage your Google data here: https://privacy.google.com/your-data.html.
How to view and/or delete 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.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
This site is part of a network of sites that protect against distributed brute force attacks. To enable this protection, the IP address of visitors attempting to log into the site is shared with a service provided by ithemes.com. For privacy policy details, please see the iThemes Privacy Policy.
How Your Data Is Protected
I use the plugins Wordfence and iThemes Security to keep my site and your data secure. These services scan for malicious intruders, unauthorized access and/or changes, and keep me alerted if anything suspicious is noticed. They also block intrusion attempts to help keep the site more secure.
What Data Breach Procedures I Have In Place
If anything on my site is ever compromised, I will notify the proper authorities and notify every affected person to the best of my ability.
Additional Rights of European Economic Area Residents
If you are a resident of a country in the EEA, you have the rights, among others, to:
(i) access your personal data
(ii) ensure the accuracy of your personal data
(iii) the right to have us delete your personal data
(iv) the right to restrict further processing of your personal data, and
(v) the right to complain to a supervisory authority in your country of residence in the event that data is misused
If you believe that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your residence, your place of work or the place of the alleged infringement.
You may exercise any of your rights in relation to your personal data by written notice to us addressed to the following: [email protected].
Children Under the Age of 13
This Website is not intended for children under 13 years of age. No one under age 13 may provide any information to the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact me at [email protected].
Mediavine Programmatic Advertising
The Website uses Mediavine to manage all third-party advertising 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. The cookie may collect information relating to your use of the Website, information about your device such as the device’s IP address and browser type, demographic data and, if you arrived at the Website via a link from a third-party site, the URL of the linking page.
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 www.allaboutcookies.org/manage-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.
The Website may collect IP addresses and location information to serve personalized ads and pass it to Mediavine. 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 https://www.networkadvertising.org/managing/opt_out.asp. You may also visit https://optout.aboutads.info/#/ and https://optout.networkadvertising.org/# to learn more information about interest-based advertising. You may download the AppChoices app at https://www.aboutads.info/appchoices to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.
Mediavine partners with the following data processors:
- Pubmatic. You may find Pubmatic’s privacy policy through this link. The data collected on the Website may be transferred to Pubmatic and its demand partners for interest-based advertising. Statistical information and other non-cookie technologies (such as eTags and web or browser cache) may be used by third parties on this Website. Browser settings that block cookies may have no effect on these technologies, but you may clear your cache to delete such trackers. Data collected from a particular browser or device may be used with another computer or device that is linked to the browser or device on which such data was collected.
- Criteo. You may find Criteo’s privacy policy through this link. The data collected on the Website may be transferred to Criteo and its demand partners for interest-based advertising. Criteo may collect, access, and use non-identifying data to improve the Criteo Technology and other Criteo products, programs, and/or services. This non-identifying data may include on-site user behavior and user/page content data, URLs, statistics, or internal search queries. The non-identifying data are collected through the ad call and stored with a Criteo cookie for a maximum period of 13 months.
- Pulsepoint. You may find Pulsepoint’s privacy policy through this link.
- LiveRamp. You may find LiveRamp’s privacy policy through this link. When you use the Website, we share information that we may collect from you, such as your email (in hashed, de-identified form), IP address or information about your browser or operating system, with LiveRamp Inc, and its group companies (‘LiveRamp’). LiveRamp may use a cookie on your browser and match your shared information to their on- and offline marketing databases and those of its advertising partners to create a link between your browser and information in those other databases. This link may be shared by our partners globally for the purpose of enabling interest-based content or advertising throughout your online experience (e.g. cross device, web, email, in-app, etc.) by third parties unaffiliated with our website. These third parties may in turn link further demographic or interest-based information to your browser. To opt out of LiveRamp’s targeted advertising, please go here: https://liveramp.com/opt_out/
- RhythmOne. You may view RhythmOne’s privacy policy through this link. RhythmOne uses cookies and similar tracking technologies (such as mobile device identifiers and digital fingerprinting) to provide its services. RhythmOne may use aggregated 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, please visit the following webpage: https://www.networkadvertising.org/managing/opt_out.asp.
- District M. You may find District M’s privacy policy through this link.
- YieldMo. You may find YieldMo’s privacy policy through this link. If you want to opt out of receiving interest based ads from Yieldmo or exercise your right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of your personal information, you may do so through this link.
- The Rubicon Project. You may find Rubicon’s privacy policy through this link. If you want to opt out of receiving interest based ads from Rubicon or exercise your right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of your personal information, you may do so through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page.
- Amazon Publisher Services. You may find Amazon Publisher Services’ privacy policy through this link.
- AppNexus. You may find the AppNexus privacy policy through this link.
- OpenX. You may find OpenX’s privacy policy through this link.
- Verizon Media formerly known as Oath. You may find Verizon Media’s privacy policy through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising.
- TripleLift. You may find TripleLift’s privacy policy through this link. To opt out of receiving interest-based advertising (including retargeting) from TripleLift’s services through the use of cookies in your current browser and for more information on what it means to opt-out, please go to www.triplelift.com/consumer-opt-out.
- Index Exchange. You may find Index Exchange’s privacy policy through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising.
- Sovrn. You may find Sovrn’s privacy policy through this link.
- GumGum. You may find GumGum’s privacy policy through this link. GumGum may (i) use place and use cookies on end users’ browsers or use web beacons to collect information about end users who visit such Publisher Websites and (ii) link such collected end user information to other end user information provided by third parties in order to deliver targeted Advertisements to such end users.
- Digital Remedy. You may find Digital Remedy’s privacy policy through this link.
- MediaGrid. You may find MediaGrid’s privacy policy through this link. MediaGrid may collect and store information about end-user interactions with this website through cookies, advertising IDS, pixels and server-to-server connections. MediaGrid was receive the following information: the page an End-User has requested and the referring/exit pages; Timestamp information (i.e., the date and time the End-User has visited the page); IP address; mobile device identifier; device model; device operating system; browser type; carrier; gender; age; geolocation (including GPS coordinates); clickstream data; cookie information; first-party identifiers’; and hashed email addresses; demographic and inferred interest information; and post-conversion data (from both online and offline behaviour). Some of this data is gathered from this website and others is gathered from advertisers. MediaGrid uses this data to provide its services. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising or review their privacy policy for more information.
- RevContent – You may find RevContent’s privacy policy through this link. RevContent may collect information about your browser or device, including browser type, IP Address, device type, user agent string, and operating system. RevContent also collects information about the websites you visit through their services, such as date and time of access and specific pages accessed and the content and ads you click on. You may opt-out of any personalization track by opting-out of RevContent’s data collection.
- Centro, Inc. – You may find Centro’s privacy policy through this link. You may find opt-out information for Centro’s services through the privacy policy link.
- 33Across, Inc. – You may find 33Across’s privacy policy through this link. To opt-out of personalized advertising, please visit https://optout.networkadvertising.org/?c=1.
- Conversant. LLC – You may find Conversant’s privacy policy through this link. Conversant uses information that does not directly identify you, such as information about your browser type, time and date of visit, your browsing or transaction activity, the subject of advertisements clicked or scrolled over, and a unique identifier (such as a cookie string, or a unique advertising identifier provided by your mobile device) during your visits to this and other websites and apps in order to provide advertisements about goods and services likely to be of greater interest to you. Conversant may use technologies such as cookies and other tracking technologies to collect this information. To learn more about interest-based advertising, or to opt-out, you can visit www.youronlinechoices.eu or https://www.networkadvertising.org/.
Changes to this Privacy Policy
I may update my privacy policy from time to time. Thus, I advise you to review this page periodically for any changes. I will notify you of any changes by posting the new privacy policy on this page. These changes are effective immediately, after they are posted on this page.
Contact Me
If you have any questions or suggestions about my privacy policy, do not hesitate to contact me via the contact page or at [email protected].
