Who we are
Privacy Policy for Family Finance Lab
Effective Date: September 29, 2024
At Family Finance Lab, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, and safeguard your data when you interact with our website, products, and services.
1. Information We Collect
We collect information from you in several ways, including when you visit our site, sign up for our newsletter, purchase products, or engage with our content. The types of information we collect include:
- Personal Information: Your name, email address, mailing address, and phone number, when voluntarily provided.
- Usage Data: Information about your interactions with our website, such as your IP address, browser type, device information, and pages visited, collected via cookies or similar technologies.
- Transaction Information: If you purchase a product or service from us, we collect payment details such as credit card information and billing addresses, which are processed securely by third-party payment processors.
- Comments: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
2. How We Use Your Information
We use the information we collect to:
- Provide and personalize our services and content.
- Respond to your inquiries and provide customer support.
- Send you promotional materials and updates related to Family Finance Lab, with your consent.
- Analyze website usage to improve our offerings and enhance user experience.
- Process transactions securely and provide you with relevant financial resources.
3. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to:
- Remember your preferences and login details.
- Analyze how visitors use our site and engage with our content.
- Deliver relevant advertisements or promotions to you.
- If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
- If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
- When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
- If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
You can choose to disable cookies in your browser settings, but this may affect your experience on our website.
4. How We Share Your Information
We do not sell, rent, or trade your personal information. However, we may share your information with third parties in the following circumstances:
- Service Providers: We may share your data with trusted third-party providers who assist us in operating our website, conducting business, or processing transactions (e.g., payment processors, email marketing platforms).
- Legal Obligations: If required by law or to protect our rights, we may disclose your information in compliance with applicable regulations or to respond to legal requests.
- Password Resets: If you request a password reset, your IP address will be included in the reset email.
5. How Long We Retain Your Data
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.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
6. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
Articles on this site may include embedded content (e.g. videos, images, articles, 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 tracking your interaction with the embedded content if you have an account and are logged in to that website.
7. Data Security
We take the security of your data seriously and implement appropriate technical and organizational measures to safeguard your information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
- Media: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
8. Children’s Privacy
Family Finance Lab does not knowingly collect personal information from children under the age of 13. If you believe we have inadvertently collected such information, please contact us immediately, and we will take steps to delete it.
9. Your Data Rights
Depending on your location, you may have certain rights regarding your personal data, including:
- The right to access or request a copy of the personal data we hold about you.
- The right to request correction or deletion of your personal data.
- The right to withdraw consent for the processing of your data.
To exercise these rights, please contact us using the details below.
10. GDPR Compliance
Family Finance Lab is committed to complying with the General Data Protection Regulation (GDPR) for users based in the European Union (EU) and European Economic Area (EEA). This section outlines your rights and our responsibilities regarding your personal data.
1. Your Rights Under GDPR
If you are an EU/EEA resident, you have the following rights regarding your personal data:
- Right to Access: You have the right to request access to your personal data and obtain information on how it is being used.
- Right to Rectification: You can request that we correct or update inaccurate or incomplete personal data about you.
- Right to Erasure (“Right to be Forgotten”): You can request that we delete your personal data, provided that there are no legal obligations requiring us to retain it.
- Right to Restrict Processing: You can request that we limit the processing of your personal data in certain circumstances, such as if the data is inaccurate or unlawfully processed.
- Right to Data Portability: You have the right to request a copy of your personal data in a structured, commonly used, and machine-readable format. You can also request that we transfer your personal data to another data controller where technically feasible.
- Right to Object: You can object to the processing of your personal data, particularly in cases where we are relying on legitimate interests as the legal basis for processing.
- Right to Withdraw Consent: If we rely on your consent to process your personal data, you have the right to withdraw your consent at any time.
2. How to Exercise Your Rights
To exercise any of these rights, please contact us at info@familyfinancelab.com. We may request verification of your identity before proceeding with your request to ensure the protection of your data.
3. Legal Basis for Processing Personal Data
We process your personal data based on one or more of the following legal bases:
- Your consent: We may collect and process your personal data with your explicit consent.
- Contractual necessity: We may process your data to fulfill a contract or to take steps at your request before entering into a contract.
- Legitimate interests: We may process your data based on our legitimate business interests, provided that such interests are not overridden by your data protection rights.
- Legal obligations: We may process your personal data to comply with legal obligations or regulations.
4. International Data Transfers
Family Finance Lab is based in The United States, and your personal data may be transferred to and processed in countries outside of the EU/EEA.
5. Data Retention
We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Once the data is no longer needed, it will be securely deleted or anonymized.
6. Data Protection
If you have any concerns about how your personal data is being handled, you can contact us at info@familyfinancelab.com
7. Filing a Complaint
If you believe your data protection rights have been violated, you have the right to lodge a complaint with your local data protection authority within the EU/EEA.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be posted on this page, and the “Effective Date” will be revised accordingly.
11. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
Family Finance Lab
Email: info@familyfinancelab.com