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.
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.
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.
This Application does not collect precise information about the location of your mobile device.
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.
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.
WHAT COOKIES WE USE
We use the following categories of cookies on the Site:
Strictly necessary 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.
Social media cookies
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
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
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 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 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.
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.
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.