This Privacy Statement explains the personal information we collect from you, either directly or indirectly, and how we will use it. Personal information is any information that can be used to identify you or that we can link to you. This Privacy Statement also elaborates on the choices you can make about the data we collect, and how you can control these decisions. It applies to all products offered by MsFinancialSavvy, including, but not limited to MsFinancialSavvy eNews, Homebuying Course, Carbuying Course and Course For Fantastic Finances. It also applies to any MsFinancialSavvy controlled websites, as well as other online and offline interactions, such as visiting a MsFinancialSavvy exhibition or attending a MsFinancialSavvy event (collectively referred to as, ‘Services’). Please read this Statement carefully to understand how MsFinancialSavvy may collect, use and share your personal information. The terms ‘we’, ‘us’, or ‘our’ are each intended as reference to MsFinancialSavvy Limited.
We respect your rights to control your personal data. Our principal guidelines are simple. We will be clear about the data we collect and why. Your data is protected by us. We do not and will not sell your data to third parties. The prime purpose of collecting your data is to improve MsFinancialSavvy products and your readership experience.
The Types of Personal Information We Collect
Information you provide to us
We collect information you voluntarily provide to us, such as your name, phone number, and email address; for instance, when you want to learn more about MsFinancialSavvy Products and Services or when you subscribe/register to one of our Products or Services.
Information we collect automatically
We automatically collect information about you, such as Data and Additional Usage Data, this regards your use of your MsFinancialSavvy Products or information collected by cookies and similar technologies when you use, access or interact with us via our websites. We may, for example, collect information about the type of device you use to access our websites, the operating system and version, your IP address, your general geographic location, as indicated by your IP address, your browser type, the webpages you view on our websites, whether you interact with content available on our websites and how.
Information obtained from other sources
We may receive information about you from other sources, including third parties, such as service partners and partners with whom we offer co-branded services or engage in joint-marketing activities. We may also receive information about you from social media platforms, for instance, when you interact with us on those platforms. We protect data obtained from third parties according to the practices described in this Statement, and we also apply any additional restrictions imposed by the source of data.
Information of children
MsFinancialSavvy does not target and is not intended to attract children under the age of sixteen. Although visitors of all ages may navigate through our websites, we do not knowingly collect or request personal information from those under the age of sixteen without parental consent. If, following a notification from a parent, guardian or discovery by other means, a child under sixteen has been improperly registered on our site by using false information, we will cancel the child’s account and delete the child’s personal information from our records.
Customer Interactions with MsFinancialSavvy
To make the information in this Statement easy to understand, we have highlighted different occasions when MsFinancialSavvy could potentially collect personal information from customers. The customer interactions with MsFinancialSavvy are broken down into the following segments:
Using Our Websites and Digital Media
As you visit, interact with or gather more information about MsFinancialSavvy, you may virtually or physically visit a site that we own. Examples include browsing our website, calling our in-house sales representatives, or attending sponsored events. To learn more about MsFinancialSavvy products and publications, you may voluntarily provide personal information, such as your name and email address, during these interactions. We may also collect information about you online via cookies or similar technologies when you visit our websites.
We collect names, email addresses, IP addresses, and information provided by cookies or similar technology.
Why: We use this information to share news about events and products offered by MsFinancialSavvy. Additionally, the IP address helps us to understand geographic information about our website visitors better so that we can improve our website and publications for everyone. It is our legitimate interest to process your personal data for these purposes.
Buying MsFinancialSavvy Products
If you have decided to buy a MsFinancialSavvy product, you may be asked to provide information so that we can complete your purchase.
We collect your name, phone number (optional), email address, delivery/shipping address, and payment information.
Why: We use this information to complete your transaction, carry out any follow-up with you about your purchase, and help with other potential issues related to the purchase of products from MsFinancialSavvy. Processing your personal data for this purpose is necessary for the performance of the agreement we have with you. Please note, that we do not store any payment or credit card information. We only use payment information in connection with the purchase of MsFinancialSavvy Products.
Registering on MsFinancialSavvy websites.
If you use one of our websites or digital publications, you will be offered the option to register or subscribe. As part of registering, you will be prompted to enter information such as name, email address, and location data (country, postcode). It is required to provide this information to register. Your subscription will then establish a unique login to allow you to customize your experience on our websites. This login will be associated with the email address that you provide,d along with the aforementioned details. The registration process will set you up with an account for the specific website you have subscribed to. In order to maintain a high level of security, we collect your password, which is only used for account access.
We collect your name, phone number, email address, location data, your password, and IP address. Please note, that your password cannot be recovered (or disclosed) by anyone, including MsFinancialSavvy.
Why: We collect this information to improve your user experience with all MsFinancialSavvy products that you register with. This information is collected to improve your customer experience on our digital platforms, publications, and additional media. This processing is necessary for the performance of our products and any contracts we may have with you. We also use your email to send you MsFinancialSavvy-related notifications, such as promotional messages, updates, information about MsFinancialSavvy Products and/or Services, and to share exciting MsFinancialSavvy news and Product offerings. It is our legitimate interest to process your personal data for these purposes.
Additional Usage Data
In order to improve your experience with MsFinancialSavvy and to offer better MsFinancialSavvy Products and Services that meet the needs and expectations of our customers, we collect the following Additional Usage Data. You can opt-out of sharing this data by unsubscribing from our websites or our e-mails once you receive them.
• Activity Information. This includes; digital usage patterns, engagement information (such as e-mails, replies, comments, or forum messages), information about user behavior, and article viewing information, each correlated to individual MsFinancialSavvy Products.
• Purchase Information. This includes things like how often you use to purchase a MsFinancialSavvy product or service, information about how often you use MsFinancialSavvy products, the flow of interactions within our online content, and location data when visiting or purchasing any MsFinancialSavvy product.
Why: We collect this information so that we can ensure MsFinancialSavvy Products are functioning properly, determine what types of Content, Product, or feature improvements would please our customers most, and help determine new MsFinancialSavvy content and Products. Collecting this data is our legitimate interest to help you by creating a better product and also with issues you may experience. It is our legitimate interest to process your personal data for these purposes.
How We Use Personal Information
MsFinancialSavvy uses the data we collect to provide you with the Products and Services we offer, which includes using data to improve and personalize your experiences. We also use the data to communicate with you, for example, informing you about your account, new products or services available, and other types of updates.
MsFinancialSavvy uses the data for the following purposes:
• Providing our Product Experience
• Customer Support
• Product Improvement
• Security, Safety, and Dispute Resolution
• Business Operations
• Communication, Marketing, and Advertising
Providing our Product Experience
We use data to provide, operate, support, and improve the MsFinancialSavvy Products and Services we offer to ensure our customers can enjoy the best possible user experience. This processing is necessary for the performance of the agreement we have with you.
We use data to respond to customer inquiries and provide other customer care and support services. This processing is necessary for the performance of the agreement we have with you, as well as to serve our legitimate interests.
We continually use data for research purposes and to develop and improve our MsFinancialSavvy Products and Services, such as using search queries and clicks to improve the relevance of search results and using usage data to determine what new features to prioritize. This processing is necessary to serve our legitimate interests.
Security, Safety, and Dispute Resolution
We use data to protect the security and safety of our MsFinancialSavvy Products and our customers, to detect and prevent fraud, resolve disputes, and enforce our agreements. This processing is necessary to serve our legitimate interests.
We use data to develop aggregate analysis and business intelligence that enable us to operate, protect, make informed decisions, and report on the performance of our business. This processing is necessary to serve our legitimate interests.
Communication, Marketing, and Advertising
To give you a better understanding of the personal information we collect and use on different occasions you may interact with MsFinancialSavvy, please see below.
How We May Share Personal Information
MsFinancialSavvy does not and will not sell personal information about our customers. We only disclose your data as described in this Statement. We may share information with the following types of third parties.
MsFinancialSavvy may at times use a third-party vendor to carry out services like website management and hosting, online product purchases and shipping, credit card processing, and email communications. We only share your personal data as necessary. To complete a transaction, provide a Product or Service you have requested or authorized and only with vendors or agents working on our behalf for the purposes described in this Statement. In this case, your personal information will be shared with these agents or contractors but only for the purpose of performing services on behalf of MsFinancialSavvy and in accordance with this Statement. It is our legitimate interest to process your personal data for these purposes. For questions about third-party vendors, please send an email to firstname.lastname@example.org.
MsFinancialSavvy-controlled affiliates and subsidiaries
We share information with MsFinancialSavvy-controlled affiliates and subsidiaries for business purposes, such as internal administration, promoting MsFinancialSavvy Products, and providing customers with our Products and Services. It is our legitimate interest to process your personal data for these purposes.
When legally required, strictly necessary for the performance of the services, or to protect our rights, or the rights of our affiliates or users, we disclose your personal information to law enforcement authorities, investigative organizations, our affiliates, or in legal proceedings.
Sale or Merger
We may share your personal information in the event of a merger, acquisition, or sale of all or a portion of our assets. Of course, we shall notify you via email and/or a prominent notice on our website and inform you of your rights.
Sharing and Disclosure of Aggregate Data
We share data in aggregate form and/or in a form that does not enable the recipient of such data to identify you, with third parties, for example, for industry analysis.
Please note, that our Products include links to Products or applications of third parties whose privacy practices may differ from MsFinancialSavvy. If you provide personal data to any of those third parties or their products, your data is governed by their privacy statements, and we encourage you to read these privacy statements carefully.
When sharing data with third parties, your personal information may be transferred to countries where data protection laws may provide a lower standard of protection for your personal information than your country. We take great care in protecting your personal information and have put in place adequate mechanisms to protect it when it is transferred internationally. We will transfer your personal information in compliance with applicable data protection laws and will implement suitable safeguards to ensure that your personal information is adequately secured by any third party that will access your information (for instance, by using the Standard Contractual Clauses as approved by the European Commission). If you have questions or wish to obtain more information about the international transfer of your personal information or the implemented safeguards, please send us an email at email@example.com.
The Legal Bases for Using Personal Information
There are different legal bases that we rely on to use your personal information, namely:
Performance of a contract
The use of your personal information may be necessary to perform the agreement you have with us. For example, to complete the purchase of your MsFinancialSavvy Product, to register and maintain your account, to help with delivery issues, and to handle returns.
We may use your personal information for our legitimate interests. For example, we rely on our legitimate interest to analyze and improve our MsFinancialSavvy Products and Services and the content on our websites, to send you notifications about updates or information about MsFinancialSavvy Products and Services, or to use your personal information for administrative, fraud detection or legal purposes.
Where we process your personal information based on our legitimate interest, you may exercise your right to object by sending an email here.
Security, Storage, and Retention of Personal Information We Collect
MsFinancialSavvy is committed to protecting the security of your personal information. However, while we take reasonable precautions to guard the personal information we collect, no security system is impenetrable.
While no Service is completely secure, MsFinancialSavvy takes precautionary measures to help prevent information about you from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. For example, we store the personal data you provide on computer systems that have limited access and that are in controlled facilities. We also ensure that our third-party data center vendors provide adequate security measures. Additionally, your data is protected with encryption during any potential transition over the Internet. Please note, if you registered to any of our websites, your password is stored so that that it cannot be recovered (or disclosed) by anyone, including MsFinancialSavvy, it could only be reset.
You can only access your MsFinancialSavvy online account information and our service through the use of individual user login and password. To protect the confidentiality of personal information, you must keep your password confidential and not disclose it to any other person. Please notify us immediately if you believe your password has been misused. You should always log out and close your browser when you finish your session. Please note, that we will never ask you to disclose your password in an unsolicited phone call or email.
If you have any questions about the security of your personal information, you can contact us here.
Personal data collected by MsFinancialSavvy will be stored and processed in the United States, in our hosts data centers. MsFinancialSavvy’s hosts have put in place adequate mechanisms to protect personal information both when it is stored and also if it needs to be transferred internationally, for example, by using the Standard Contractual Clauses as approved by the United States.
MsFinancialSavvy will retain your personal information for as long as we deem it necessary to enable you to use our websites and MsFinancialSavvy Products, to provide services to you, comply with applicable laws (including those regarding document retention), resolve disputes with any parties, and otherwise as necessary to allow us to conduct our business as per our legitimate interests stated above. All personal information we retain will be subject to this Privacy Statement and our internal retention guidelines. If you have a question about a specific retention period for certain types of personal information we process about you, please send an email to here.
Your Rights and Choices
We want you to be in control of how your personal information is used by us. Subject to local law, you can do this in the following ways:
• you can ask us for a copy of the personal information we hold about you, mainly in convertkit our email 3rd party vendor or teachable online course 3rd party vendor and their payment systems;
• you can inform us of any changes to your personal information, or if you want us to correct any of the personal information we hold about you;
• in certain situations, you can ask us to erase, block or restrict the personal information we hold about you, or object to particular ways in which we are using your personal information; and
• in certain situations, you can also ask us to send the personal information you have given us to a third party.
Where we are using your personal information on the basis of your consent, you are entitled to withdraw that consent at any time. Moreover, where we process your personal information based on legitimate interest or the public interest, you have the right to object at any time to the use of your personal information.
We rely on you to ensure that your personal information is complete, accurate, and up to date. Please do inform us promptly of any changes to or inaccuracies in your personal information by contacting us here.
We will respond to your request as soon as possible but certainly within 30 days.
We are committed to working with you to obtain a fair resolution of any complaint or concern you may have about our use of your personal information. If, however, you believe that we have not been able to assist with your complaint or concern, you may have the right to file a complaint with the data protection authority in your country (if one exists in your country) or supervisory authority.
If you wish to access, edit or remove profile information, change your password, close your account or request deletion of your personal data, you can do so by logging in to your MsFinancialSavvy online account or sending an email to MsFinancialsavvy. If you cannot access certain personal information collected by MsFinancialSavvy, via your account or directly via your MsFinancialSavvy account manager, you can always contact us by sending an email here. We will respond to any request to access or delete your personal data as soon as possible, certainly within 30 days. Email accounts can be deleted by you at the bottom of an email you receive by clicking the “unsubscribe” link at the bottom of the email.
Additional Usage Data
You can always opt-out of Additional Usage Data collection by informing and sending an e-mail to MsFinancialsavvy, and we will ensure that any additional usage data is removed from the data we may collect as stated in the above additional usage data information.
You may change your preferences at any time following the same steps.
Your Communication, Marketing, and Advertising Preferences
You can opt-out of receiving direct marketing communications from MsFinancialSavvy by following the instructions included in every email sent to you via the “Unsubscribe” link. By opting out of our direct marketing communications, you may still receive notifications from MsFinancialSavvy about our other services, such as newsletters, or course alerts. You can also opt-out of these and any other email subscriptions by sending an e-mail to MsFinancialsavvy. We respect your choice, and we will stop sending you promotional emails once you unsubscribe.
Please note, regardless of your communication settings, if you purchased a MsFinancialSavvy product, we may still contact you regarding any specific elements of the deal, such as delivery information, payment, reports, and updates on your product
A cookie is a small data file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows that site to recognize your browser. The length of time a cookie will stay on your computer or mobile device depends on whether it is a “persistent” or “session” cookie. MsFinancialSavvy uses both types of cookies. Session cookies will only stay on your device until you stop browsing. Persistent cookies stay on your computer or mobile device until they expire or are deleted. We use the following types of cookies on our website.
• Strictly necessary cookies. These cookies are essential for you to browse our website and use its features. Without these cookies, services like subscriptions and login cannot be provided.
• Performance cookies. These cookies collect information about how you use our websites. This data may be used to help optimize our website and make it easier for you to navigate.
• Functional cookies. These cookies allow our websites to remember choices you make while browsing and personalize your experience. We may store your geographic location in a cookie, for instance, to ensure that we show you the website relevant to your area.
• Third-Party cookies. Third-party cookies are those placed by websites and/or parties other than MsFinancialSavvy. These cookies may be used on our website to improve our products or services or to help us provide more relevant advertising. These cookies are subject to the respective privacy policies for these external services, for example, Facebook Data Use Policy.
• Analytics cookies. We use analytics cookies, like those offered by Google Analytics, to help us understand things like how long a visitor stays on our website, what pages they find most useful, and how they arrived at MsFinancialSavvy.com. To learn more about Google Analytics and your data, visit this Google webpage.
How to control Cookie settings
Most web browsers allow you to control cookies through their settings preferences. However, if you limit the ability of websites to set cookies, you may impair your overall user experience, as it will no longer be personalized to you. Some browsers offer a “Do Not Track” (“DNT”) signal where you can indicate your preference regarding tracking and cross-site tracking. Although cannot guarantee that the technology that recognizes DNT signals will work with all MsFinancialSavvy Products and Services, we will only process your personal data in accordance with this Statement. Below you can learn about how to control cookie settings on popular web browsers:
• Google Chrome
• Internet explorer
In addition to cookies, we sometimes use small graphic images known as ‘pixels’ (also known as web beacons, clear GIFs, or pixel tags). We may use pixels in our email communications to you to help us to understand whether our email communication has been viewed. We also use third-party pixels (such as those from Google, Facebook, and other advertising networks) to help us provide advertising that is relevant to your interests. Learn more about our advertising and marketing activities below.
Advertising and Modern Marketing Tools
To help more people listen to more music on MsFinancialSavvy (when available), we use several modern marketing tools in support of our advertising efforts.
If you have opted out of receiving communications from us, we will not use your email for interest-based advertising.
How to Contact Us
If you have any questions about the use of your personal information, please email MsFinancialSavvy.
Changes to Our Privacy Statement
MsFinancialSavvy may modify or update this Statement when necessary to reflect customer feedback and changes in our MsFinancialSavvy Products and Service. Please review it regularly. When we update this Statement, we will revise the ‘Last Update’ date at the top of the Statement. If there are material changes to the Statement or in how MsFinancialSavvy uses your personal data, we will inform you either by posting a notice of such changes prior to them taking place or by directly sending you a notification. We encourage you to regularly review this Statement to learn more about how MsFinancialSavvy is using and protecting your information.