Disclaimer & Privacy Policy


 

Disclosure

Geova Media, LLC and BG Vance (“us”, “we”, or “our”) operates the site https://www.bucksandcents.com website (“our site”).

You can contact the operators directly at bucksandcents@gmail.com.

This page is continuously updated in an effort to comply with GDPR and EU regulations.  Information presented on this website is intended for informational and entertainment purposes only and is not meant to be taken as legal, financial, or tax advice.  The views expressed on this website are personal opinions only and should not be construed as financial advice for your given situation. While all attempts are made to present accurate information, it may not be appropriate for your specific circumstances and information may become outdated over time. You should seek out a licensed professional before making any legal, financial, or tax decisions as they relate to your own personal situation.  Please make sure to do your own due diligence and seek a trusted financial professional before making any financial decisions of your own.

Neither Geova Media, LLC, BG Vance, or Bucks and Cents, make any representations as to the validity, accuracy, completeness, or suitability of any claims made on this site.  Neither Geova Media, LLC, BG Vance, or Bucks and Cents assume any liability with regard to financial results based on the use of the information provided here. Furthermore, advertisers, commentators, and linked sites are solely responsible for their views and content – which do not necessarily represent the views of Geova Media, LLC, BG Vance, or Bucks and Cents.

This website, Bucks and Cents https://www.bucksandcents.com, has financial relationships with some of the merchants mentioned on this website. Bucks and Cents may be compensated if consumers choose to utilize the links located throughout the content on this website and generate sales for the said merchant. It does cost money to host this site.  As a way to cover those costs and others, Bucks and Cents is compensated for certain paid links and advertisements on this website. Please know that you are not obligated to click on any link or buy any products that are advertised.

As a result of new FTC guidelines that are now in effect, this website may be compensated by companies mentioned through advertising, affiliate programs, or otherwise.  Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.  Bucks and Cents is not held liable for any personal or financial losses of its website users.

Copyright

All information presented on this website is created, filed, and produced with copyright protection.  All content is the property of Bucks and Cents.  Duplication or reproduction of content is forbidden unless written authorization is given from the owner of Bucks and Cents.

Additionally, the content that is reproduced with permission must also reference that the reproduced content is provided by “the site Bucks and Cents” or  information provided by “bucksandcents.com” as source of the work in the reproduction of material.  Copyright 2020

Privacy Policy

Bucks and Cents takes your privacy seriously.  This privacy policy has been compiled to better serve those who are concerned with how their personal information is collected and used. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your personally Identifiable Information in accordance with our website.

Automatically Collected Information

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.

Information You Voluntarily Submit to the Website

We may collect personal information from you such as your name or email address. For example, you may voluntarily submit information to the Website by leaving a comment, subscribing to a newsletter, or submitting a contact form.  Additionally, when signing up for our email list or ordering a product from our site, as appropriate, you may be asked to enter your name, email address and other details to help you with your experience.

When do we collect information?

We collect your information when you (user/visitor) register for our email list, subscribe to our newsletter, receive updates from Bucks and Cents, or otherwise enter information on this site.

We automatically collect certain information about you and the device with which you access the Website. For example, when you use the Website, we will log your IP address, operating system type, browser type, referring website, pages you viewed, and the dates/times when you accessed the Website. We may also collect information about actions you take when using the Website, such as links clicked.

How do we use your information?

We may use the information we collect from you when you sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features.  Some of those would include personalizing the user experience and to allow us to deliver the type of content and product offerings in which you are most interested.  Additional uses are:

  • To operate and maintain the Website;
  • To send you promotional information, such as newsletters. Each email promotion will provide information on how to opt-out of future mailings;
  • To send you administrative communications, such as administrative emails, confirmation emails, technical notices, updates on policies, or security alerts;
  • To respond to your comments or inquiries;
  • To provide you with user support;
  • To track and measure advertising on the Website;
  • To protect, investigate, and deter against unauthorized or illegal activity. 

We use MailerLite as our marketing automation platform.  By subscribing to the newsletter via submitting a sign up form, you acknowledge that the information you provide will be transferred to MailerLite for processing in accordance with their Privacy Policy and Terms of Service.

Comments – Akismet

We collect information about visitors who comment on Sites that use our Akismet anti-spam service. The information we collect depends on how the User sets up Akismet for the Site, but typically includes the commenter’s IP address, user agent, referrer, and Site URL (along with other information directly provided by the commenter such as their name, username, email address, and the comment itself).  This information is collected in order to assist in spam detection.

Contact Page

If you submit an email to the email address located at https://bucksandcents.com/contact/ note that this email might be kept and retained for the purpose of customer service, but will never be used or retained for marketing purposes.

Unsubscribe/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 the email on our website. 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.

Cookies

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymous tracking data to third party applications like Google Analytics. As a rule, cookies will make your browsing experience better. Advertising partners and/or 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.  However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers.

Goggle Analytics

Based on our legitimate interests (i.e., interest in the analysis, optimization, and economic operation of our online offer within the meaning of Art. 6 (1) lit. DSGVO), we use Google Analytics, a web analytics service provided by Google LLC (“Google”). Google uses cookies. The information generated by the cookie about the use of the online offer by the users are usually transmitted to a Google server in the USA and stored there.

Google is certified under the Privacy Shield Agreement, which provides a guarantee to comply with European privacy legislation (https://www.privacyshield.gov/participant?id=a2zt000000001L5AAI&status=Active).

Google will use this information on our behalf to evaluate the use of our online offer by users to compile reports on the activities within this online offer and to provide us with further services related to the use of this online offer and the internet usage. In this case, pseudonymous usage profiles of the users can be created from the processed data.

We only use Google Analytics with activated IP anonymization. This means that the IP address of the users will be shortened by Google within member states of the European Union or in other contracting states of the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be sent to a Google server in the USA and shortened there.

The IP address submitted by the user’s browser will not be merged with other data provided by Google. Users can prevent the storage of cookies by setting their browser software accordingly; Users may also prevent the collection by Google of the data generated by the cookie and related to their use of the online offer as well as the processing of this data by Google by downloading and installing the browser plug-in available under the following link: https://tools.google.com/dlpage/gaoptout?hl=en

For more information about Google’s data usage, settings and opt-out options, please visit Google’s websites: https://www.google.com/intl/en/policies/privacy/partners (“Google’s use of your data when you use websites or apps of our partners”), https://policies.google.com/technologies/ads (“Advertising use of data”), https://adssettings.google.com/authenticated (“Managing information Google uses to show you ads”).

Incidentally, the personal data will be anonymized or deleted after a lapse of 26 months.

Controlling Privacy

Please know 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.

Google Advertising Cookies

Google uses cookies to help serve the ads it displays on the websites of its partners, such as websites displaying Google ads or participating in Google certified ad networks. When users visit a Google partner’s website, a cookie may be dropped on that end user’s browser.

Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to your website or other websites.

Google’s use of advertising cookies enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet.

Users may opt out of personalized advertising by visiting Ads Settings. (Alternatively, you can direct users to opt out of a third-party vendor’s use of cookies for personalized advertising by visiting www.aboutads.info.)

Third-party disclosure

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.  However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links

Occasionally, at our discretion, we may include or offer third-party products or services on our website. Our website does contain links to affiliate and other websites. These third-party sites have separate and independent privacy policies.  Bucks and Cents 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.

Advertising

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.

Ezoic privacy policy can be found at https://g.ezoic.net/privacy/bucksandcents.com

Note:  http://g.ezoic.net/privacy/bucksandcents.com/annualRequestSummary

Retargeting Ads

From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Facebook, Pinterest, Twitter, or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone’s past visits to the Website.

Affiliate Program Participation

The Website may engage in affiliate marketing, which is done by embedding tracking links into the Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

Bucksandcents is an occasional 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 links to Amazon.com.  As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commission on these sales.

Newsletters

On the Website, you may subscribe to our newsletter, which may be used for advertising purposes. All newsletters sent may contain tracking pixels. The pixel is embedded in emails and allows an analysis of the success of online marketing campaigns. Because of these tracking pixels, we may see if and when you open an email and which links within the email you click. Also, this allows the Website to adapt the content of future newsletters to the interests of the user. This behavior will not be passed on to third parties.

We use MailerLite as our marketing automation platform.  By subscribing to the newsletter via submitting a sign up form, you acknowledge that the information you provide will be transferred to MailerLite for processing in accordance with their Privacy Policy and Terms of Service.

WP Smush

Smush sends images to the WPMU DEV servers to optimize them for web use. This includes the transfer of EXIF data. The EXIF data will either be stripped or returned as it is. It is not stored on the WPMU DEV servers.

Smush uses the Stackpath Content Delivery Network (CDN). Stackpath may store web log information of site visitors, including IPs, UA, referrer, Location and ISP info of site visitors for 7 days. Files and images served by the CDN may be stored and served from countries other than your own. Stackpath’s privacy policy can be found here:

https://www.stackpath.com/legal/privacy-statement.

Smush uses a third-party email service (Drip) to send informational emails to the site administrator. The administrator’s email address is sent to Drip and a cookie is set by the service. Only administrator information is collected by Drip.

Security

Bucks and Cents shall take every precaution to maintain adequate physical, procedural and technical security with respect to its offices and information storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of the user’s personal information under our control.

Really Simple SSL and Really Simple SSL add-ons do not process any personal identifiable information, so the GDPR does not apply to these plugins or usage of these plugins on your website. You can find our privacy policy here:

https://really-simple-ssl.com/privacy-statement/

Sensitive Personal Information

At no time should you submit sensitive personal information to the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships. If you elect to submit such information to us, it will be subject to this Privacy Policy.

Children’s Information

The Website does not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that the Website has personally identifiable information of a child under the age of 16 in its database, please contact us immediately at bucksandcents@gmail.com and we will use our best efforts to promptly remove such information from our records.

Acceptance of Terms

Through the use of this website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you are in agreement and acceptance of such changes.

Questions

Should you have any questions, please contact bucksandcents@gmail.com