AskFlossie Privacy Policy

Effective Date: Sept. 1, 2020

Thank you for visiting this Site, which is owned and operated by AskFlossie. This Privacy Policy governs your use of this Site.

The AskFlossie Privacy Policy (this “Policy”) describes the information we collect from or about you through the AskFlossie-owned websites and mobile apps on which it is posted (collectively referred to as this “site”). It also describes how we use and share that information and some of the steps we take to protect your privacy.

Scope of the AskFlossie Privacy Policy

AskFlossie collects certain information about or related to you through this Site. Some of the information we collect may be “personal information”—information that identifies you personally, alone or in combination with other information available to us. Other information may be non-personally identifiable, such as your IP address.

AskFlossie has provided this Policy so that you will know what information we collect, how we use this information, the types of third parties with which we may share this information, and some of the choices that are available to you.

This Policy may be supplemented or amended from time to time by additional privacy notices (“Privacy Notices”), provided at the time we collect your information. 

Your Consent

By using this Site, you are consenting to the collection, use, disclosure, and transfer of your information as described in this Policy (and any Privacy Notices that apply to you). If you do not consent to the collection, use, disclosure and transfer of your information as described in this Policy (and any Privacy Notices that apply to you), you may not use this Site. If you have questions about this Policy, or any Privacy Notice, please contact us via email at support@AskFlossie.com.

Our Terms of Use

This Policy is part of the Terms of Use that govern your use of this Site. 

Your Choices

This Policy describes some of your choices, such as your choice to opt out of receiving “cookies” and to opt out of having your information shared with third parties for their own marketing purposes. In addition, and as required by applicable law, you can opt out of receiving promotional emails from us by clicking on the “unsubscribe” link at the bottom of each promotional email.

We may ask you to indicate your choices at the time and on the page where you provide your information. In other situations, and consistent with this Site’s purpose as a networking platform, we make certain assumptions about how you want your information shared with others. If you would like to amend or inquire about these assumptions, please contact support@AskFlossie.com.

This Policy May Change

AskFlossie reserves the right to update or modify this Policy and any Privacy Notice, at any time and without prior notice, by posting the revised version of the Policy or Privacy Notice on this Site. These changes will only apply to the information we collect after we have posted the revised Policy or Privacy Notice on this Site.

Your use of this Site following any such change constitutes your agreement that all information collected from or about you after the revised Policy is posted will be subject to the terms of the revised Policy. You may access the current version of this Policy at any time by clicking on the link marked “Privacy” at the bottom of each page of the public areas of this Site.

Information We Collect

AskFlossie collects the information you manually provide (using your keyboard, mouse, or touchpad) when you use this Site. For example, we collect the information you provide when you register with the Site and create a profile, participate in a forum discussion, or otherwise interact with this Site. Some of the information you manually provide may be personal information, such as your name and contact information.

AskFlossie collects information that is sent to us automatically by your web browser or mobile device. This information typically includes your IP address, the name of your operating system, the name and version of your browser, the date and time of your visit, and the pages you visit. The information we receive may depend on your browser or device settings.

The information we receive from your web browser and device is not, in and of itself, personally identifiable. Generally, we use this information in the aggregate to help us improve this Site and make it more compatible with the technology used by our visitors. However, we may combine it with other information in an attempt to identify you or we may combine it with information that does identify you. We may also review our server logs for security purposes—for example, to detect intrusions into our network—and we might share our server logs, which contain visitors’ IP addresses, with the appropriate investigative authorities who could use that information to trace and identify you.

We use “cookies” and other technologies to collect information and support certain features of this Site. For example, we may use these technologies to:

  • collect information about the ways you use this Site, e.g. which pages you visit;
  • support the features and functionality of this Site, e.g. to enforce the settings you established on previous visits;
  • personalize your experience when you use this Site; and
  • improve our marketing efforts, including through use of targeted advertising.

The information we collect using cookies and similar technologies is not, in and of itself, personally identifiable, but we may link it to personal information that you provide. If you do not wish to receive cookies, you may set your browser to reject cookies or to alert you when a cookie is placed on your computer. Although you are not required to accept cookies when you visit this Site, you may be unable to use all of the functionality of this Site if your browser rejects our cookies.

Third-Party Cookies

In addition to the cookies AskFlossie delivers to your computer or mobile device through this Site, certain third parties may deliver cookies to you for a variety of reasons. For example, we may use Google Analytics to gain insight into how visitors use the site.

Other third parties may also deliver cookies to your computer or mobile device for the purpose of tracking your online behaviors across non-affiliated websites and delivering targeted advertisements either on this Site or on other websites.

Confidentiality of Information

AskFlossie has taken reasonable steps to ensure the confidentiality of information taken through the Site and transmitted via the Internet. However, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.

How We Use Your Information

  • to provide the information, products and services you request;
  • to provide you with effective customer service;
  • to provide you with a personalized experience when you use this Site;
  • to contact you with information and notices related to your use of this Site;
  • to contact you with special offers, marketing offers and surveys (in accordance with any privacy preferences you have expressed to us);
  • to improve the content, functionality and usability of this Site;
  • to better understand your needs and interests;
  • to improve our products and services;
  • to improve our marketing and promotional efforts;
  • for security or fraud prevention or investigation and remediation purposes;
  • or any other purpose identified in an applicable Privacy Notice, click-through agreement or other agreement between you and us.
  • to contact you about our own and third parties’ goods and services that may be of interest to you or that you may have requested information about;
  • in any other way we may describe when you provide the information;
  • to fulfill any other purpose for which you provide it; and
  • for any other purpose with your consent.

How We Share Your Information

AskFlossie shares information collected through this Site with third-party vendors who act for us or on our behalf. For example, we may use third-party vendors to design and operate this Site; to conduct surveys; and to help us with our promotional efforts. These third-party vendors may need information about you to perform their functions. Additionally, we will share your information with third-party vendors when you request us to do so. 

With Other Users of this Site. One of this Site’s goals is to provide tools and resources to enhance personal finance knowledge and support. Thus, User-Generated Content you post on this Site can be read, collected, and used by others. You should have no expectation of privacy with respect to UGC you submit on or through this Site.

We may provide functionality on this Site that allows you to automatically post information about the actions you take on this Site to a third-party social media platform (such as Facebook or Twitter). If you choose to take advantage of this functionality, people with access to your profile on the third-party platform may be able to see the actions you have taken—for example, the items you have purchased. Thus, you should have no expectation of privacy in those actions. Further, if you choose to link your profile on this Site with an account on a third-party social media platform, we may share the information in your profile with that third-party platform. We may share or provide some of your information, such as an email address, to third-party social media platforms so that we can identify you in order to engage with you on those platforms.

From time to time, we may share your information with selected third parties for their own marketing purposes. For example, we may partner with third parties to sponsor contests or other promotions, and we may share with these third parties the information you submit to us to participate in the contest or take advantage of the promotion. Before doing so, however, we may offer you the opportunity to “opt out” or “opt in,” as required by applicable law.

We use information collected through this Site to create a compiled, aggregate view of usage patterns. We may share aggregate information with third parties so they can better understand our user base. We may also share with third parties information about how particular individuals use this Site, but only on a de-identified basis (“Individualized Data”). Individualized Data is not personally identifiable, but it does reflect the usage patterns of a particular Site user, as opposed to Site users collectively. We may provide basic demographic information (gender and age) in conjunction with providing Individualized Data. Third parties typically use this information for analytical purposes and to market their own products and services. It is possible that third parties will attempt to “re-identify” de-identified data, and you should know that this is possible using external points of reference.

Your information may be transferred to a successor organization if, for example, we transfer the ownership or operation of this Site to another organization or if we merge with another organization. If such a transfer occurs, the successor organization’s use of your information will still be subject to this Policy and the privacy preferences you have expressed to us.

We may disclose your information when we, in good faith, believe disclosure is appropriate to comply with the law, a court order or a subpoena. We may also disclose your information to prevent or investigate a possible crime, such as fraud or identity theft; to protect the security of this Site; to enforce or apply our online Terms of Use or other agreements; or to protect our own rights or property or the rights, property or safety of our users or others.

We reserve the right to disclose your information as described in any Privacy Notice posted on a page of this Site where you provide that information. By providing your information on that page you will be consenting to the disclosure of your information as described in that privacy notice. We also reserve the right to disclose your information as described in any click–through agreement to which you have agreed.

How We Protect Your Information

AskFlossie takes reasonable precautions to provide a level of security appropriate to the sensitivity of the information we collect. Although we use reasonable measures to help protect your information against unauthorized use or disclosure, we cannot guarantee the security of information provided over the Internet or stored in our databases and will not be responsible for breaches of security beyond our reasonable control.

A Note About Children’s Privacy

You must be at least 13 years old to have our permission to use this Site. We do not knowingly collect, use or disclose personal information about visitors under 13 years of age. If you are under the age of 13, you can use this service only in conjunction with your parent’s or guardian’s permission.

Links to Other Websites

This Site may contain links to websites that are not operated by AskFlossie. These links are provided for your reference and convenience only and do not imply any endorsement of the products sold or information provided through these websites, nor any association with their operators. AskFlossie does not control these websites and is not responsible for their data practices. Any information you provide to third parties on their websites is covered under their privacy and data collection policies and is not covered by this Policy. We urge you to review the privacy policy posted on any site you visit before using the site or providing any personal information.

Access to Your Information

If you would like to review, correct and update the personal information you have provided to us through this Site, please contact us by email at support@AskFlossie.com. We will use reasonable efforts to respond to and comply with your request as required by applicable law.

Retention of Personal Information

AskFlossie retains the personal information collected on this Site as long as necessary to provide the services, products and information you request or as permitted by applicable law.

Specifically, all email and direct messages sent to and from AskFlossie will be received or otherwise recorded by AskFlossie systems and are subject to archival, monitoring or review by and/or disclosure to, someone other than the recipient. Communications through the website may involve the electronic transmission to any email address you provided to us, of information that you may consider to be personal financial information and you agree and consent to such transmission of such information.

This Site Is Hosted on Servers Located in the United States

AskFlossie is a U.S. corporation. The servers that support this Site are located in the United States. While it is in our possession, your information will generally be stored in AskFlossie databases or databases maintained by our third-party service providers on servers and data storage devices located in the United States. U.S. data protection laws may not provide as much protection as the data protection laws in force in some other countries, however, we will process your information in accordance with this Policy no matter where our data is stored. If you are located in a country outside the United States, by using this Site you consent to the transfer of your information to the United States.

Governing Law

This Policy shall be governed under the laws of the State of California United States of America without regard to its conflicts of law provisions.

Questions About This Policy or AskFlossie‘s Data Practices

If you have questions or concerns about this Policy, any Privacy Notice, or AskFlossie’s data practices, please contact us by email at support@AskFlossie.com.

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