All information provided on Frugal Rules is intended for informational purposes only. The views expressed are personal opinions and should not be construed as financial advice for your specific situation. Please make sure to do your own research or find a trusted financial professional before making any financial decision on your own.
Neither Frugal Rules nor its owners make any representations as to the accuracy or suitability of the claims made here. Nor does Frugal Rules or its owners assume any liability in regard to financial results based on the use of information provided here.
Advertising & Sponsored Content
In accordance with FTC guidelines, the owner(s) of frugalrules.com disclose that we may have a financial relationship with companies mentioned on frugalrules.com. Frugalrules.com may be compensated at times by third party companies that are mentioned either in advertisements, product reviews, or affiliate programs.
All information on Frugal Rules should be considered as information or entertainment. We provide our honest opinions, findings, beliefs, or experiences on the topics and products we review. The views and opinions expressed on frugalrules.com are purely the authors’ own.
Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.
Frugal Rules 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.
Sponsored Content Tracking Pixels
This Website may engage in sponsored campaigns with various influencer networks, brands and agencies. All sponsored content is duly disclosed in accordance with the FTC’s requirements. From time to time, these sponsored campaigns utilize tracking pixels (aka web beacons), which may contain cookies to collect data regarding usage and audience. This information is collected by the sponsoring company to track the results of the campaign. No personally identifiable information collected by this Website is used in conjunction with these tracking pixels.
Information that you find on frugalrules.com can change. While we do our best to make sure all information is up to date, we can not guarantee that all of the time.
Frugalrules.com is not responsible for the content or claims of articles written by outside parties.
Privacy & Cookies
Here at Frugal Rules, we take your privacy very seriously. Any information that is collected is anonymous in nature and is only used to better understand how visitors are interacting with the site. This information is used solely to better improve the experience for the user and is a common practice by most websites.
The information used is general in nature covering such things as visit duration, pages viewed and web browser used.
Already set cookies may be deleted at any time via an Internet browser or other software programs. This is popular in all Internet browsers. This could, however, result in a less desirable experience of frugalrules.com.
Advertising Privacy Statement
This Site is affiliated with AdThrive, LLC (“AdThrive”) for the purposes of placing advertising on the Site. AdThrive uses standard and widely-available tools for the placement and serving of ads, including those provided by Google, Inc. and its affiliates. We publish interest-based advertisements on the Site; that is, ads that are tailored to reflect your interests. To help understand your interests, AdThrive, Google and our other advertising partners will track your behavior on our website and on other websites across the Internet using cookies.
A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
For 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 rights, 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 or AdThrive related to advertising on the Site, you can contact us at john [at] frugalrules dot (com). and contact AdThrive at firstname.lastname@example.org. If you wish to see a list of the advertising partners we work with or change which of those partners track your behavior using cookies, click the ad preferences link at the bottom of the site. (Available in the EU.)
For California Residents
California law gives residents the right to opt out of the “sale” of their personal information to third parties, including for advertising purposes. Under California law, the sharing of your information with a service provider for advertising purposes could be considered a “sale.” To opt out of the sharing of your information for advertising information, click the opt out link provided in the footer of this page. You also have the right to request from us the categories of personal information that we have shared and the categories of third parties to whom the information was provided. To make such a request, please contact us at email@example.com. To be clear we do not share your name, contact information, or any other sensitive information with third parties, and the categories of third parties that we share information with for advertising purposes are supply side platforms, programmatic advertising exchanges, and demand side platforms.
California Consumer Privacy Act (CCPA) Policy
The California Consumer Privacy Act (CCPA) is a privacy law enacted by the state of California and became effective January 1, 2020.
Your Right to Demand Disclosure
You have the right to demand that we disclose what categories of information we have or are collecting on you, and what personal information we have collected or are collecting on you.
In an effort for full compliance, we are disclosing the categories of information that is generally collected on and/or about consumers on Frugal Rules.
General Information We Collect
We generally collect personal information, as listed under CCPA, in the form of first name, last name, email address, IP address, browser information, location information, and more.
We collect the information on consumer stated above through on-site opt-in forms, Google Analytics, Facebook Pixels, Pinterest Pixels, and other cookies.
You have the right to request disclosure of your collected personal information from us by contacting us at john [at] frugalrules dot (com).
Your Right to Request Deletion of Personal Information
Under CCPA, you have the right to contact businesses that collect your personal information and request deletion of that information.
There are certain limited circumstances when the business does not have comply and delete the information.
- To provide and complete the transaction for which purpose the information was collected in the first place (example: selling and delivering goods and services);
- In compliance with a legal obligation;
- To carry out and be compliant with another legal requirement;
- To keep it for internal use that is reasonable to the consumer.
Your Right to Demand Disclosure in Case of a Sale
You have the right to request full disclosure if a business sells or transfers your personal information for a business purpose. You have the right to know what information specifically has been sold or transferred, to whom, and for what business purpose.
Frugal Rules does not sell personal information we collect from consumers.
You have the right to request that we disclose what category of information we sold, the specific pieces of information we sold, to whom we sold it, and for what business purpose. You can make this request by contacting us at john [at] frugalrules dot (com).
Your Right to Request That We Not Sell Information
Under CCPA, you have the right to request that a business that collected personal information on you does not sell that information to anyone.
In our efforts to comply with the California Consumer Privacy Act, you can visit our “Do Not Sell My Personal Information” page. If there is a field asking for email address, please be sure to include the same email you opted in with.
If and when you select “Do Not Sell My Personal Information” you will be marked as opt-out. Therefore, you can be sure that your personal information and in general data collected on you will never be sold.
Frugal Rules Will Not Discriminate Against You
If you choose to exercise your right and request that we never sell your information, in accordance to CCPA, we will not and cannot discriminate against you for choosing to exercise your right.
You will have access to the same services, at the same prices as everyone else. The quality and conditions of products and services you receive will be the same as everyone else, regardless if exercised your CCPA right to forbid selling your information.
Securing Your Personal Information
Under CCPA, a business that collects or receives personal information about the consumer must implement and maintain reasonable security procedures and practices.
If a business experiences a data breach, then it will be held liable if it did not implement and maintain reasonable security procedures and practices.
We do our due diligence and maintain reasonable security procedures and practices to make sure that the consumer data and private information we collected is safe and secure.
Here are the security practices we have in place to protect consumer data:
- All the systems containing consumer information (such as the email service provider) are password protected.
- The passwords are considered strong and are not easy to figure out.
Aside from what’s stated above, we take reasonable precautions on a daily basis to protect consumers and their information from unauthorized use, modification, destruction, and disclosure.
Contact Frugal Rules
If you wish to exercise your rights under CCPA and make requests for disclosure, deletion or disclosure about sale of information, you can contact us directly and make such requests. You can also contact us at anytime if you’re not happy about the way we’re handling your data.
We will respond as quickly as reasonably possible. Please have in mind that we don’t have to comply with requests if you make them more than twice during a 12-month period.
Make your request by contacting us at john [at] frugalrules dot (com).
How your information may be used
We may use the information collected in the following ways:
- To operate and maintain this Website
- To send you promotional information, such as newsletters. Each email will provide information on how to unsubscribe or opt-out of future emails
- To respond to your comments or inquiries
- To track and measure advertising on this Website
third-party use of personal information
We may share your information with third parties when you explicitly authorize us to share your information.
Additionally, this Website may use third-party service providers to service various aspects of the Website. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies. This Website currently uses the following third-party service providers:
- Analytics reporting Google Analytics and/or AdThrive Analytics – this service tracks Website usage and provides information such as referring websites and user actions on the Website. Google Analytics may capture your IP address, but no other personal information is captured by Google Analytics.
- Newsletter via ConvertKit – this service is used for delivery of email updates and newsletters. We store your name and email address for purposes of delivering such communications. You may opt out of our newsletter at any time by clicking “unsubscribe” at the base of the email communication.
From time to time, we may use anonymous data, which does not identify you alone, or when combined with data from other parties. This type of anonymous data may be provided to other parties for marketing, advertising, or other uses. Examples of this anonymous data may include analytics or other information collected from cookies.
On most posts, you’ll be able to add comments and join the conversation. Please know that we do reserve the right to remove or edit comments that are unsuitable in nature. This can include, but is not limited to: spam, vulgar language, or harassment.
When you do make a comment, we do ask that you input a name and an email address. The email address will not be published, but is meant solely to protect against spam. You may also submit a website url which would be shown in the comment for other visitors to see. Please do not put a keyword-rich link in the name field as it will only be removed.
If you create a user profile on the Website or leave a comment, certain information may be publicly visible.
If you have any additional questions in relation to privacy on Frugal Rules or comments in general, please email me.
These disclosures are effective from 11 September, 2012 and were updated on January 1, 2020.