Privacy Policy

Introduction

Welcome to Budgeting101! We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us at [email protected].

When you visit our website Budgeting101, and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy policy, we describe our privacy policy. We seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our Sites and our services.

This privacy policy applies to all information collected through our website (such as Budgeting101), and/or any related services, sales, marketing or events (we refer to them collectively in this privacy policy as the “Sites”).

Information We Collect

We collect personal information that you voluntarily provide to us when you register on the Budgeting101, express an interest in obtaining information about us or our products and services, when you participate in activities on the Budgeting101 or otherwise when you contact us.

The personal information that we collect depends on the context of your interactions with us and the Budgeting101, the choices you make and the products and features you use. The personal information we collect can include the following:

• Name and Contact Data. We collect your first and last name, email address, postal address, phone number, and other similar contact data.
• Credentials. We collect passwords, password hints, and similar security information used for authentication and account access.
• Payment Data. We collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument.

All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.

Information Automatically Collected

We automatically collect certain information when you visit, use or navigate the Budgeting101. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Sites and other technical information. This information is primarily needed to maintain the security and operation of our Sites, and for our internal analytics and reporting purposes.

Use of Your Information

We use personal information collected via our Budgeting101 for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below:

• To facilitate account creation and logon process.
• To send administrative information to you for business purposes, legal reasons, and/or possibly contractual.
• To fulfill and manage your orders.
• To manage user accounts.
• To send you marketing and promotional communications.
• To post testimonials.
• Deliver targeted advertising to you.
• Administer prize draws and competitions.
• Request feedback.
• To protect our Sites.
• To enforce our terms, conditions and policies.
• To respond to legal requests and prevent harm.
• For other business purposes.

Sharing Your Information

We may process or share data based on the following legal basis:

• Consent: We may process your data if you have given us specific consent to use your personal information for a specific purpose.
• Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.
• Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.
• Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).
• Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.

Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

Your Privacy Rights

In some regions, such as the European Economic Area, you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time. In certain circumstances, you have the following data protection rights:

• The right to access, update, or to delete the information we have on you.
• The right of rectification.
• The right to object.
• The right of restriction.
• The right to data portability.
• The right to withdraw consent.

Updates to This Policy

We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by posting the new privacy policy on this page.