Last updated: 2 June 2020
OWNER AND DATA CONTROLLER
Chui Ong (“I”, “us”, “we”, or “our”) operates https://www.moneyforthefamily.com (the “Site”) and Budget Everything (the “App”).
You can contact us here.
We are committed to protecting and respecting your privacy. This Site and App collects some personal data from its users. This Privacy Policy informs you of our views, practices and policies regarding the collection, use and disclosure of personal data we receive from users of the Site and App.
By visiting and using the website, you accept and agree to be bound by this privacy policy. Your continued use of the website after posting of any changes to our Privacy Policy constitutes your acceptance of those changes and updates. You must not access or use the website if you do not wish to be bound by this Privacy Policy.
WHAT INFORMATION WE COLLECT AND HOW IT IS USED
While using our Site and App, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you.
This information is collected when you register on the site, place an order, subscribe to a newsletter, contact us, provide comments or any other feedback, fill out a form or use the live chat or enter any other information on the website to communicate with us. From time to time, we may also collect information that you submit when you participate in any online surveys that we may post on our website.
Personally identifiable information may include, but is not limited to name, email address, cookies, usage data, password.
Your personal information is used to personalize your experience, improve the website to better serve you, provide customer service support, efficiently process your requests or transactions, tailor advertisements to you, elicit reviews of services or products, provide you offers, promotions and to follow up with you through correspondence (email, live chat, or phone). We may also use this information to provide you offers and promotions from our partners and/or our affiliates in exchange for a commission without additional cost to you.
In addition to the above, we may collect log data and use cookies.
Automatically Collected Information – In addition, the App uses Apple’s automatic crash reporting service, which collects crash reports and associated information like the type of mobile device you use and your mobile operating system. The information collected is used to fix problems with and make improvements to the Application.
Google Admob – The free version of the KidsHomebank app uses Google’s Admob advertising service. Statistical information that includes things like your device type, carrier name, crash reports, and which apps you’ve installed may be reported to them so they can see whether their advertisements are effective. Google’s privacy policy is available here https://policies.google.com/privacy?hl=en
This Application does not collect precise information about the location of your mobile device.
LOG DATA
Like many site and mobile app operators, we collect information that your browser sends whenever you visit our Site and use our App. This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. In addition, we may use third party services such as Google Analytics that collect, monitor and analyse this data to further enhance our products and services offered to you.
COOKIES
Cookies are text files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s or tablet device’s or mobile device’s part of the hard drive specifically designated for cookies. It is standard practice to use cookies to make your experience better when using a website. Like many sites, we use “cookies” to recognize, collect, and/or track information about, and relevant to, your usage of the Site. These cookies are known as “first-party cookies”. We may also recognize, collect, and/or track information through cookies set by third parties. These cookies are known as “third-party cookies”. Third-party cookies are used to perform tasks related to advertising, and analytics, and to enable interactive features such as sharing or commenting. Some third parties collect statistics in an anonymized and aggregated form and may not require the consent of the user.
The information that our first-party cookies or third-party cookies recognize, collect, and/or track may include information about your devices, browsing actions, and patterns, such as among others, the type of computer you use, your internet service provider, your browser type, your location, your IP address, the date and time of your visit, the pages viewed, your traffic pattern through the Site and App.
Upon your first visit to the Site (and periodically after that), we will request your consent to our use of cookies except for those strictly necessary.
WHAT COOKIES WE USE
We use the following categories of cookies on the Site:
Strictly necessary cookies
These cookies are essential to enable you to browse the Site and use its features. We use cookies to save your sessions, your login details, and other information necessary to perform your requests, and to carry out other activities that are strictly necessary for the operation of this Site, for example in relation to the distribution of traffic. We use cookies to save browsing preferences and to optimize your browsing experience.
Analytics cookies
These cookies collect information about your use of the Site, such as for instance, browsing actions, and patterns, the date and time of your visit, the pages viewed, your traffic pattern through the Site. Through the collection of this information, we are able to monitor and analyze web traffic to the Site. User behaviours may be recognized, collected, and/or tracked. We use Google Analytics to monitor and analyze web traffic to the Site. Google utilizes the data recognized, collected, and/or tracked on the Site to prepare reports on traffic activities. This integration of Google Analytics anonymizes your IP address. Google may use the information recognized, collected, and/or tracked to personalize the ads of its advertising network and may share the information recognized, collected, and/or tracked with other services.
Security cookies
These cookies are essential to our security features. These cookies allow us to detect malicious activities or activities in breach of our terms of use.
Social media cookies
These cookies allow you to share your activity on the Site on social media such as Facebook, LinkedIn, and Twitter, or other external platforms directly from the Site. Cookies may still be recognized, collected, and/or tracked on the pages where buttons, widgets, or other applications are installed, even when you do not actively use it. The interaction and information recognized, collected, and/or tracked through the Site are always subject to your privacy settings for each social network and external platform. You are encouraged to refer to the privacy policy of the relevant social network or external platform and to log out from the respective network or platform in order to make sure that the information collected on the Site is not tracked back to your profile.
Should you choose to interact with us on social media, please note that you will be voluntarily disclosing that personal information. This information is no longer private. It becomes public information and can be collected and used by others. We have no control over and take no responsibility for the use, storage or dissemination of such publicly disclosed personal information by you.
Any such interactions via comments and social media with us do not subject us to any kind of liability related to misuse of your information by others.
Social media pixels
We reserve the right to use social media pixels. These pixels allow social media such as Facebook to track visitors to external websites in order to tailor their advertising activities to target users while browsing their social media network. For information regarding these pixels, you are encouraged to refer to the privacy policy of the relevant social network.
Facebook pixel
Facebook pixel connects the activity performed on the Site with the Facebook advertising network, including Instagram and Audience ads.
Targeting or advertising cookies
These cookies record your browsing actions and patterns on the Site, such as among others, the pages you have visited and the links you have followed. The information recognized, collected, and/or tracked by these cookies is used to make our Site and the advertising displayed by way of links or banners on the Site more relevant to your interests. For the same purpose, this information may also be shared with third parties, such as Google AdSense.
HOW TO CONTROL COOKIES
In accordance with our Privacy Policy and this Cookie Policy, you have the right to accept or reject cookies. Strictly necessary cookies may not be rejected since they are essential to enable you to browse the Site and use its features. Should you reject cookies, you will still be able to use the Site although certain features and functionalities may not be available to you and/or certain areas may be restricted. In addition to what it is indicated within this Cookie Policy, you can manage preferences for cookies directly from within your own browser and prevent – for example – third parties from installing cookies. Through browser preferences, it is also possible to delete cookies installed in the past, including the cookies that may have saved the initial consent for the installation of cookies by this Site. You can find information about how to manage cookies in the most commonly used browsers (e.g. Google Chrome, Mozilla Firefox, Apple Safari, and Microsoft Internet Explorer) on the website of the browser of choice. With regard to cookies installed by third parties, users can manage their preferences and withdrawal of their consent by clicking the related opt-out link (if provided), by using the means provided in the third party’s privacy policy, or by contacting the third party.
COMMENTS
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. When you leave a comment, your name, email address and website/organization name is not shared with a third party, and may be used to communicate with you.
THIRD PARTY LINKS AND USE
We may include, offer or advertise third party links, products or services on the website. Once you click on a third party link and leave this website, you are no longer bound by our Privacy Policy and Terms and Conditions.
Articles on this website may include embedded content (e.g. videos, images, advertisements, 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.
We may use Google Adsense advertising along with any other third-party advertising on the website. Google is a third party that also uses cookies to serve ads on the website for the purpose of providing a positive user experience. You can opt out of Google by visiting their privacy policy.
We have no control over these third parties and they have their own privacy policies. Neither are we responsible for the activities and practices of these third parties. You should contact them directly and read their privacy policies for any questions.
DISCLOSURE OF YOUR INFORMATION
As a general rule, we do not disclose your personal information to third parties without your consent with the exception of the following circumstances:
- We may disclose your information to our trusted third parties that work with us such as our website hosting partners, email marketing service provider, other service providers that assist in the operation of the website, and any other affiliates and subsidiaries we rely upon to provide you products and services offered here.
- We may disclose your information in order to comply with state or federal regulations related to copyright infringement lawsuits or any other legal claims related to the website.
- We may disclose your information to our successor and/or acquiring party in the event of a merger, acquisition, restructuring, dissolution or partial sale in the future. However, your personal information will be transferred to the acquiring party in accordance with this privacy policy.
EMAIL MARKETING
You have the option of opting in or unsubscribing from our email list. By subscribing and opting in, you agree to receiving newsletters, updates, messages, promotional materials and any other content related to this website. When you send an email, your email message along with email address and responses are saved for communication purposes with you. This information is kept confidential and we do not share, sell or trade your email information with third parties except as otherwise stated in this privacy policy.
We do not envision offering goods or services to individuals living in the European Union as outlined in the General Data Protection Regulation (“GDPR”).
If you are in the European Union and opt in to receive any of our free products or services and/or purchase any products or services through our website then you will be subscribed to receive our free email newsletter once you affirmatively consent to it. Please see Opt Out section below should you wish to “unsubscribe” and not receive any emails from us.
But if you are NOT in the European Union then you will be automatically subscribed to receive our free email newsletter once you opt in to receive any of our free products or services and/or purchase any products or services through our website. Please see Opt Out section below should you wish to “unsubscribe” and not receive any emails from us.
OPT OUT
We comply with the CAN-SPAM Act of 2003 and do not spam or send misleading information. Should you wish to no longer receive communication from us, you have the option of unsubscribing by clicking “unsubscribe” in the bottom of the email we send to you or by contacting us.
As for third party websites, please contact them directly to unsubscribe and/or opt out from their communications.
You can opt out of crash reporting by opening the Settings app on your device, tapping “Privacy”, then “Analytics” to turn off sharing of Analytics and “Advertising” to turn on “Limit Ad Tracking”.
Alternatively, you can stop all collection of information by the App by uninstalling the Application. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network.
GDPR VISITOR RIGHTS
Under the GDPR, if you are within the European Union, you are entitled to certain rights and information listed below.
We will retain any information you choose to provide to us until the earlier of:
- You ask us to delete the information by sending a request here. Please note that such requests may result in you no longer being able to access paid or free content previously provided to you.
- Our decision to cease using our existing data providers.
- The Company decides to no longer be in business or continue to offer the services.
- The data is no longer needed to provide you service, is too costly to maintain further retention, or the Company finds it outdated.
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.
You have the right to seek restrictions on the processing of your data.
You have the right to object to the processing of your data and the right to the portability of your data.
If you have provided consent to the Company’s processing of your personal data, you have the right to withdraw that consent any time without affecting the lawfulness of processing based upon consent that occurred prior to your withdrawal of consent.
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 necessary 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.
SECURITY
The security of your personal information is important to us, and we strive to follow generally commercial industry standards to protect your personal information submitted to us voluntarily and automatically. However, no method of transmission over the Internet is 100% secure and we cannot guarantee absolute security of your information. When you make a credit card purchase or purchase through any means on the website, you will be directed to a third party vendor to complete the transaction. Any information you provide during the checkout process is not stored on our website but instead provided to the third party vendor that completes the purchase transaction.
By using this website, you agree to hold us harmless for any security breach and for any unauthorized use of your personal information by third parties. You also agree that we cannot be held responsible for any disclosure of your information through our website without our knowledge and consent.
COPPA (CHILDREN ONLINE PRIVACY PROTECTION ACT)
We comply with the Children’s Online Privacy Protection Act (COPPA). The Site is not intended for children under 13 years of age.
We do not specifically market to children under 13 years of age. We do not knowingly collect personal information from children under 13 years of age without prior parental or guardian consent. If you are under 13 years of age, please do not use the Site or provide any information on the Site, including your name, screen name, username, address, telephone number, email address, and payment details.
If you believe any personal information is collected from someone under the age of 13 without parental or guardian consent, please contact us to have that information deleted.
PRIVACY POLICY UPDATES
This privacy policy is effective as of 06/02/2020 and will be updated and modified as needed. You are responsible for visiting this page periodically to check for future updates to this policy. Any modifications to this privacy policy will be effective upon our publishing of the new terms, and your continued use of our website after the posting of any updates constitutes your acceptance of our modified privacy policy.
CONTACT
For any questions or comments regarding the privacy policy, please contact us here.