Cookie and Privacy Policy

Disclaimer

Any information produced by Be Clever With Your Cash Limited does not constitute formal financial advice. You should seek advice for matters which could seriously affect your finances.

BeCleverWithYourCash.com is a journalistic online blog, providing the tips, tools and techniques to help you make your money go further. At the time of writing each post we hope it is all accurate but please note you use the information at your own risk and we can’t accept liability if you are unhappy with actions as a result of reading an article here.

You should not take any information or opinion on this site as legal, business, financial or commercial advice and you should carry out your own research before undertaking any actions to ensure it’s the best for you and your finances.

Likewise, though we link to other sites, we cannot be held responsible for any content or harmful effects such as viruses on those sites. If we link to someone that we do not know as reputable companies, we will make that clear.

All articles and images, unless otherwise attributed or part of a product promotion, are copyright of www.BeCleverWithYourCash.com and cannot be reused.

How the blog makes money

Some of the links used on the site are what’s known as “affiliate links”. By buying through those links I may receive a commission for the sale. This is the same model used by sites like Money Saving Expert and Voucher Cloud. This has no effect on the price for you.

Adverts are generated via Mediavine based on your browser history. I don’t have any say in what adverts appear, though I have tried to block as many I deem unsuitable as is possible.

The blog’s independence is really important to me so I only include the best offers and deals, whether there is an affiliate link available or not. I also refuse all sponsored posts. Everything I write is because I believe it’s something you should know about, not because I’ve been paid to write it.

But any money I do make helps me carry on producing the articles and podcasts for you to enjoy!

Privacy and your data

How your data is used

Newsletter

When you sign up for the Be Clever With Your Cash newsletter, your email address is collected. Older subscribers also provided their name.

This information will solely be for Be Clever With Your Cash to send you emails about content on the site. This is usually once a week, though there may be occasions where additional emails are sent.

You can unsubscribe at any time using the link found in every email communication sent.

Once a year I audit the subscriber list and ask anyone who hasn’t actively engaged with the email in that time (as long as they have been subscribed for more than six months) if they wish to carry on receiving the emails. If they do not reply they will be unsubscribed.

Comments

Your name, email address and IP address will also be required if you make a comment on any pages or posts on the blog. This information may be used to contact you if the comment requires a follow-up.

The name you enter will be published, and I reserve the right to edit and comment you write. I also do not have to approve a comment posted.

IP addresses help with the security of the site in the case of spammers or hackers.

How your data is processed

This information will never be shared with a third party without your express consent unless I am required to do so by law.

You may request a copy of any data I hold about you. Please make these requests via the contact form.

Data is only kept for as long as it is needed to fulfill the purpose you gave it.

External sites

All these policies only adhere to Be Clever With Your Cash. If you click through to any external website from a link on Be Clever With Your Cash then new privacy policies will come into force and you should check these. I am not responsible for any policies or content on linked to sites

Cookies

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping baskets, and provide anonymised tracking data to third party applications like Google Analytics.

As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers

Mediavine Programmatic Advertising

The Website uses Mediavine to manage all third-party advertising on the Website. Mediavine serves content and advertisements when you visit the Website, which may use first and third-party cookies. A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that a website can remember some information about your browsing activity on the Website. The cookie may collect information relating to your use of the Website, information about your device such as the device’s IP address and browser type, demographic data and, if you arrived at the Website via a link from a third-party site, the URL of the linking page.

First party cookies are created by the website that you are visiting. A third-party cookie is frequently used in behavioral advertising and analytics and is created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons and other similar technologies (collectively, “Tags”) may be placed on the Website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first and third-party cookies and clear your browser’s cache. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies, how to disable existing cookies and how to clear your browser’s cache. For more information about cookies and how to disable them, you can consult the information at www.allaboutcookies.org/manage-cookies/.

Without cookies you may not be able to take full advantage of the Website content and features. Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site.

The Website may collect IP addresses and location information to serve personalized ads and pass it to Mediavine. If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit http://www.networkadvertising.org/managing/opt_out.asp. You may also visit http://optout.aboutads.info/#/ and http://optout.networkadvertising.org/# to learn more information about interest-based advertising. You may download the AppChoices app at http://www.aboutads.info/appchoices to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.

Mediavine partners with the following data processors:

1. Pubmatic. You may find Pubmatic’s privacy policy through this link. The data collected on the Website may be transferred to Pubmatic and its demand partners for interest-based advertising. Statistical information and other non-cookie technologies (such as eTags and web or browser cache) may be used by third parties on this Website. Browser settings that block cookies may have no effect on these technologies, but you may clear your cache to delete such trackers. Data collected from a particular browser or device may be used with another computer or device that is linked to the browser or device on which such data was collected.
2. Criteo. You may find Criteo’s privacy policy through this link. The data collected on the Website may be transferred to Criteo and its demand partners for interest-based advertising. Criteo may collect, access, and use non-identifying data to improve the Criteo Technology and other Criteo products, programs, and/or services. This non-identifying data may include on-site user behavior and user/page content data, URLs, statistics, or internal search queries. The non-identifying data are collected through the ad call and stored with a Criteo cookie for a maximum period of 13 months.
3. Pulsepoint. You may find Pulsepoint’s privacy policy through this link.
4. LiveRamp. You may find LiveRamp’s privacy policy through this link. When you use the Website, we share information that we may collect from you, such as your email (in hashed, de-identified form), IP address or information about your browser or operating system, with LiveRamp Inc, and its group companies (‘LiveRamp’). LiveRamp may use a cookie on your browser and match your shared information to their on- and offline marketing databases and those of its advertising partners to create a link between your browser and information in those other databases. This link may be shared by our partners globally for the purpose of enabling interest-based content or advertising throughout your online experience (e.g. cross device, web, email, in-app, etc.) by third parties unaffiliated with our website. These third parties may in turn link further demographic or interest-based information to your browser. To opt out of LiveRamp’s targeted advertising, please go here: https://liveramp.com/opt_out/
5. RhythmOne. You may view RhythmOne’s privacy policy through this link. RhythmOne uses cookies and similar tracking technologies (such as mobile device identifiers and digital fingerprinting) to provide its services. RhythmOne may use aggregated information (not including your name, address, email address or telephone number) about your visits to this and other Websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please visit the following webpage: http://www.networkadvertising.org/managing/opt_out.asp.
6. District M. You may find District M’s privacy policy through this link.
7. YieldMo. You may find YieldMo’s privacy policy through this link. If you want to opt out of receiving interest based ads from Yieldmo or exercise your right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of your personal information, you may do so through this link.
8. The Rubicon Project. You may find Rubicon’s privacy policy through this link. If you want to opt out of receiving interest based ads from Rubicon or exercise your right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of your personal information, you may do so through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page.
9. Amazon Publisher Services. You may find Amazon Publisher Services’ privacy policy through this link.
10. AppNexus. You may find the AppNexus privacy policy through this link.
11. OpenX. You may find OpenX’s privacy policy through this link.
12. Verizon Media formerly known as Oath. You may find Verizon Media’s privacy policy through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising.
13. TripleLift. You may find TripleLift’s privacy policy through this link. To opt out of receiving interest-based advertising (including retargeting) from TripleLift’s services through the use of cookies in your current browser and for more information on what it means to opt-out, please go to www.triplelift.com/consumer-opt-out.
14. Index Exchange. You may find Index Exchange’s privacy policy through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising.
15. Sovrn. You may find Sovrn’s privacy policy through this link.
16. GumGum. You may find GumGum’s privacy policy through this link. GumGum may (i) use place and use cookies on end users’ browsers or use web beacons to collect information about end users who visit such Publisher Websites and (ii) link such collected end user information to other end user information provided by third parties in order to deliver targeted Advertisements to such end users.
17. Digital Remedy. You may find Digital Remedy’s privacy policy through this link.
18. MediaGrid. You may find MediaGrid’s privacy policy through this link. MediaGrid may collect and store information about end-user interactions with this website through cookies, advertising IDS, pixels and server-to-server connections. MediaGrid was receive the following information: the page an End-User has requested and the referring/exit pages; Timestamp information (i.e., the date and time the End-User has visited the page); IP address; mobile device identifier; device model; device operating system; browser type; carrier; gender; age; geolocation (including GPS coordinates); clickstream data; cookie information; first-party identifiers’; and hashed email addresses; demographic and inferred interest information; and post-conversion data (from both online and offline behaviour). Some of this data is gathered from this website and others is gathered from advertisers. MediaGrid uses this data to provide its services. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising or review their privacy policy for more information.
19. RevContent – You may find RevContent’s privacy policy through this link. RevContent may collect information about your browser or device, including browser type, IP Address, device type, user agent string, and operating system. RevContent also collects information about the websites you visit through their services, such as date and time of access and specific pages accessed and the content and ads you click on. You may opt-out of any personalization track by opting-out of RevContent’s data collection.
20. Centro, Inc. – You may find Centro’s privacy policy through this link. You may find opt-out information for Centro’s services through the privacy policy link.
21. 33Across, Inc. – You may find 33Across’s privacy policy through this link. To opt-out of personalized advertising, please visit https://optout.networkadvertising.org/?c=1.
22. Conversant. LLC – You may find Conversant’s privacy policy through this link. Conversant uses information that does not directly identify you, such as information about your browser type, time and date of visit, your browsing or transaction activity, the subject of advertisements clicked or scrolled over, and a unique identifier (such as a cookie string, or a unique advertising identifier provided by your mobile device) during your visits to this and other websites and apps in order to provide advertisements about goods and services likely to be of greater interest to you. Conversant may use technologies such as cookies and other tracking technologies to collect this information. To learn more about interest-based advertising, or to opt-out, you can visit www.youronlinechoices.eu or https://www.networkadvertising.org/.