Privacy Policy

Effective Date:August 31 2022

This Privacy Notice (“Privacy Notice”) explains how startingpersonalfinance.com, its affiliates, and its subsidiaries (“startingpersonalfinance.com,” “us,” “our,” and “we”) use your information and applies to all who use our websites and platforms – including mobile applications, touch technologies, electronic services, social networking sites, interactive features, online services or any of our described online activities we own or control (collectively, the “Service”). For terms that govern the use of the Service, please review the Service’s Terms of Use.

By using the Service, you acknowledge you have read the terms of this Privacy Notice. If you do not want your information handled as described in this Privacy Notice, please do not provide us with your information or interact with the Service.

We may modify this Privacy Notice at any time. If we make any material changes, we will notify you by email (sent to the email address specified in your account) or by means of notice on the Service prior to the change becoming effective. You can determine when this Privacy Notice was last revised by referring to the "Effective Date” above.

1. Types of Information We Collect

We may collect the following categories of personal information from and about you:

Identifiers: such as your name, postal addresses, email addresses, social networking website user account names, telephone numbers, or other addresses at which you are able to receive communications.
Demographic information: such as your age, birthdate, and gender.
Commercial information: such as information that enables us to determine lifestyle, interests, and activities, including purchasing tendencies and order history (such as the startingpersonalfinance.com vouchers you purchase and redeem); areas of interest; information collected through your interactions with social networks; information about persons for whom you have purchased startingpersonalfinance.com vouchers as gifts or who have bought startingpersonalfinance.com vouchers as gifts for you; and information about friends who refer you or whom you have referred.
Location information: such as information related to your state/province, city, or neighborhood, and, if you agree, more specific location information that is provided through the GPS functionality on mobile devices used to access the Service.
Financial information: such as information collected from you as needed to process payments for startingpersonalfinance.com vouchers or other products or services that you buy, or as provided by you to administer your participation in optional services and programs, such as your payment card number, expiration date, and card verification number.
Internet and network activity information: such as information about your browsing behavior, search history, and interactions with websites and advertisements, including data from cookies, pixel tags, and web beacons.
Inferences regarding preferences and other characteristics: such as our assessment of the types of products or services you may have an interest in.

2. How startingpersonalfinance.com Collects Information

We may collect personal information about you from a variety of sources, including:

From you: We collect information that you submit to us. For example, when you use the Service; make a purchase; register to receive information, products, or services available through the Service; or interact with us in other ways. We will collect any information you voluntarily provide, and we may also request optional information to support your use of the Service. We also collect any information that you voluntarily enter into any postings, comments, or forums within the Service. If you send an e-mail to us, we will collect your e-mail address and the full content of your e-mail, including attached files and other information you choose to provide to us.

From your device: When you use the Service, we may collect information about the devices you use to access the Service, including hardware model, operating system and version, Internet Protocol (“IP”) address, and other unique device identifiers, mobile network information, and information about the device’s interaction with our Service. We also collect information about how you use our Service, including your access times, browser types, and language. This type of data enables us to understand how often individuals use parts of the Service so we can analyze and improve it. To collect this information, we use cookies and web beacons, and other similar technologies. To learn more about how we automatically receive and record information when you interact with the Service, please review our Cookies Policy. Note that this Privacy Notice covers only how we use information collected via cookies; it does not cover the use of such information by third parties.

Location information: We may collect different types of information about your location, including general information, such as the city, state, and/or zip code associated with your IP Address, and, if you agree, more specific location information that is provided through the GPS functionality on mobile devices used to access the Service. We may use such location information to customize the Service, including advertising that is presented to you. In order to do this, your location information may be passed along to our affiliates, agents, vendors or advertisers. You may be able to disallow our collection of certain location data through your device or browser settings, for example, by disabling “Location” services for the startingpersonalfinance.com application in iOS privacy settings.
Social media networks and other third parties: We may obtain information about you or your use of the Service from third party sources, such as our vendors, like web hosting providers, analytics providers, or advertisers. You may give us permission to access your information from services offered by third parties, including social media networks. The information we obtain from third party services depends on your account/privacy settings with those third parties and the third parties’ privacy policies, so be sure to check those policies and to adjust your settings to meet your preferences. When you access the Service through social media networks and other third party platforms, you are authorizing startingpersonalfinance.com to collect, store, and use such information and content in accordance with this Privacy Notice. Please keep in mind that any information provided to us by a third party may also be subject to that third party’s privacy policy.

3. How startingpersonalfinance.com Uses Information

We may use information collected as described in this Privacy Notice to:

Operate, maintain, and improve the Service and other programs, features, and functionality related to the Service;
Provide you with interest-based ads, push notifications, communications, and offers for products and services from us and our business partners, including based on your precise geolocation;
Facilitate and fulfill orders – for example, for startingpersonalfinance.com vouchers and other goods and services, including tracking redemption;
Process and confirm bookings with our partners;
Process your payments;
Evaluate your eligibility for certain types of offers, products, or services that may be of interest to you, and analyze advertising effectiveness;
Answer your questions and respond to your requests;
Perform analytics and conduct customer research;
Communicate and provide additional information that may be of interest to you about startingpersonalfinance.com and our business partners, sometimes by combining your information with information we obtain from other sources;
Send you reminders, technical notices, updates, security alerts, support and administrative messages, service bulletins, marketing messages, and requested information, including on behalf of our business partners;
Administer rewards, surveys, sweepstakes, contests, or other promotional activities or events sponsored by us or our business partners;
Manage our everyday business needs, such as administration of the Service, forum management, fulfillment, analytics, fraud prevention, and enforcement of our corporate reporting obligations and Terms of Use, or to comply with the law;
Allow you to apply for a job, post a video, or sign up for special offers from merchants, our business partners, or other companies;
Verify your requests made pursuant to this Privacy Notice;
Enhance other information we have about you to help us better understand you and determine your interests;
Use your data as described in our Card Linked Deals program, if you consented to participate in such program; and
We also may use information collected as described in this Privacy Notice with your consent or as otherwise required or permitted by law.

startingpersonalfinance.com uses your geolocation, including your precise geolocation, consistent with this Privacy Notice as described in Section 2 above to deliver location-based offers, products or services that may be of interest to you.If you make purchases without creating a password, we link these purchases to your email address and create a secure account in our system. If you create a password at a later date, you will be able to view past purchases made with that email address.If you use any features on the Service to send information about a product or service to another person, we will also collect the personal information of that other person to the extent disclosed by you and may contact them using the information you provided us.

4. Security of Personal Information

startingpersonalfinance.com has implemented an information security program that contains administrative, technical, and physical controls that are designed to reasonably safeguard personal information. For example, we use industry-standard encryption technology to secure financial account information. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. If you have any questions about security on our website, you can contact us at [email protected].

5. Retention of Personal Data

We will retain your personal data for as long as your account is active or as needed to provide you services. If you close your account, we will retain your personal data for a period where it is necessary to continue operating our business effectively, to maintain a record of your transactions for financial reporting purposes or fraud prevention purposes until these purposes no longer exist, and to retain as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

6. Social Community Areas

The Service may be accessible through or contain connections to areas where you may be able to publicly post information, communicate with others such as discussion boards or blogs, review products and merchants, and submit media content. Prior to posting in these areas, please read our Terms of Use carefully. All the information you post may be accessible to anyone with Internet access, and any personal information you include in your posting may be read, collected, and used by others. We recommend that you do not post any personal information in the social community areas.

7. Privacy Practices of Third Parties

This Privacy Notice only addresses the use and disclosure of information by startingpersonalfinance.com through your interaction with the Service. Other websites that may be accessible through links from the Service and our co-branded websites may have their own privacy notices and personal information collection, use, and disclosure practices. Our business partners may also have their own privacy notices. We encourage you to familiarize yourself with the privacy notices provided by these other parties prior to providing them with information or taking advantage of a sponsored offer or promotion.

8. Business Transfers and Corporate Changes

startingpersonalfinance.com reserves the right to disclose, transfer, or license any and all information related to the Service, including personal information:to a subsequent owner, co-owner, or operator of the Service or any portion or operation related to part of Service; or
in connection with a corporate merger, consolidation, or restructuring, the sale of all or a portion of our stock and/or assets, or other corporate change, including, without limitation, during the course of any due diligence process.

9. Notice to Residents of Countries outside the United States of America

This Service is intended only for users in the United States, Canada, and Mexico. If you live outside the United States and Canada your information will be handled in accordance with startingpersonalfinance.com’s International Privacy Notice. By using the Service or giving us your personal information, you are directly transferring your personal information to us in the United States. You agree and consent to our collection, transfer, and processing of your personal information in accordance with this Privacy Notice. You are solely responsible for compliance with any data protection or privacy obligations in your jurisdiction when you use the Service or provide us with personal information. Regardless of where we transfer your information, we still protect your information in the manner described in this Privacy Notice.

10. Children’s Privacy

The Service is a general audience site not directed at children under the age of 16 and startingpersonalfinance.com has no actual knowledge of the sale of information of minors under 16 years of age.By using startingpersonalfinance.com, you represent that you are at least eighteen years old and understand that you must be at least eighteen years old in order to create an account and purchase the goods or services advertised through the Service.

11. Contact Us

Please contact us if you have any questions or comments about our privacy practices or this Privacy Notice. You can reach us online at [email protected]. You can reach us via postal mail at the following address:-----startingpersonalfinance.com.Attention: Privacy Office1826 Grace Ave,LOS ANGELES,CA,90028, USA