Updated Legal pages now all on one Page:
Last updated: October 2019
OWNER AND DATA CONTROLLER
Smartpennies.com we operates http://www.smartpennies.com (the “smartpennies”).
Ironbrae whiterashes AB21 0RB
Contact email: email@example.com
We are committed to protecting and respecting your privacy.
This Site collects some personal data from its users.
By submitting personal data to us, you agree to us using your personal data as follows.
INFORMATION COLLECTION, PURPOSE AND USE
While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to name, email address, cookies, usage data, password.
We may use your personal information to
- send you our newsletters from time to time weekly or fortnightly
- manage contacts and send messages
- ensure that content from our site is presented in the most effective manner for you and for your computer
- provide you with information, products or services that you request from us which may be of interest to you
- carry out our obligations arising from any contracts entered into between you and us
- interact with external social networks and platforms (e.g. social media widgets and share bars)
- allow registration and authentication (e.g. affiliate portals and membership areas)
- allow access to third party services’ accounts
- monitor infrastructure
- manage hosting and backend infrastructure
- interact with live chat platforms
- carry out remarketing and behavioural targeting (including display ads)
- display content from external platforms
- carry out commercial affiliation (e.g. display ads)
- interact with support and feedback platforms
- manage user database
Like many site operators, we collect information that your browser sends whenever you visit our Site.
This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics.
In addition, we may use third party services such as Google Analytics that collect, monitor and analyse this data.
Cookies are text files with a small amount of data, which may include an anonymous unique identifier.
Cookies are sent to your browser from a web site and stored on your computer’s or tablet device’s or mobile device’s part of the hard drive specifically designated for cookies.
Like many sites, we use “cookies” to recognize, collect, and/or track information about, and relevant to, your usage of the Site.
These cookies are known as “first-party cookies”. We may also recognize, collect, and/or track information through cookies set by third parties. These cookies are known as “third-party cookies”. Third-party cookies are used to perform tasks related to advertising, and analytics, and to enable interactive features such as sharing or commenting. Some third parties collect statistics in an anonymized and aggregated form and may not require the consent of the user.
The information that our first-party cookies or third-party cookies recognize, collect, and/or track may include information about your devices, browsing actions, and patterns, such as among others, the type of computer you use, your internet service provider, your browser type, your location, your IP address, the date and time of your visit, the pages viewed, your traffic pattern through the Site.
WHAT COOKIES WE USE
We use the following categories of cookies on the Site:
Strictly necessary cookies
These cookies collect information about your use of the Site, such as for instance, browsing actions, and patterns, the date and time of your visit, the pages viewed, your traffic pattern through the Site.
Through the collection of this information, we are able to monitor and analyze web traffic to the Site. User behaviours may be recognized, collected, and/or tracked.
We use Google Analytics to monitor and analyze web traffic to the Site. Google utilizes the data recognized, collected, and/or tracked on the Site to prepare reports on traffic activities.
This integration of Google Analytics anonymizes your IP address.
Google may use the information recognized, collected, and/or tracked to personalize the ads of its advertising network and may share the information recognized, collected, and/or tracked with other services.
These cookies allow the Site to save information and details such as your username to optimize your experience on the Site and provide personal features.
Social media cookies and pixels
These cookies allow you to share your activity on the Site on social media such as Facebook, LinkedIn, and Twitter, or other external platforms directly from the Site.
Cookies may still be recognized, collected, and/or tracked on the pages where buttons, widgets, or other applications are installed, even when you do not actively use it.
The interaction and information recognized, collected, and/or tracked through the Site are always subject to your privacy settings for each social network and external platform.
Facebook Like button and Facebook social widgets
The Facebook Like button and Facebook social widgets are application allowing interaction with the Facebook social network.
Twitter Tweet button and Twitter social widgets
The Twitter Tweet button and Twitter social widgets are applications allowing interaction with the Twitter social network.
YouTube video widget
YouTube is a video sharing website that allows this Site to incorporate video content on its pages and posts.
Live chat platform
This application allows you to interact with a third-party live chat platform directly from the Site, e.g. to get in contact with the Site support or customer care service.
This application may recognize, collect, and/or track browsing and usage information on the pages where it is installed, even if you do not actively use it. If you do actively use it, your live chat conversation may be logged or recorded.
Social media pixels
Facebook pixel connects the activity performed on the Site with the Facebook advertising network, including Instagram and Audience ads.
Targeting or advertising cookies
These cookies record your browsing actions and patterns on the Site, such as among others, the pages you have visited and the links you have followed. The information recognized, collected, and/or tracked by these cookies is used to make our Site and the advertising displayed by way of links or banners on the Site more relevant to your interests. For the same purpose, this information may also be shared with third parties, such as ( For example, Google AdSense, Mediavine, Monumetric, Medianet, AdThrive).
HOW TO CONTROL COOKIES
Strictly necessary cookies may not be rejected since they are essential to enable you to browse the Site and use its features.
Should you reject cookies, you will still be able to use the Site although certain features and functionalities may not be available to you and/or certain areas may be restricted.
Through browser preferences, it is also possible to delete cookies installed in the past, including the cookies that may have saved the initial consent for the installation of cookies by this Site.
You can find information about how to manage cookies in the most commonly used browsers (e.g. Google Chrome, Mozilla Firefox, Apple Safari, and Microsoft Internet Explorer) on the website of the browser of choice.
Your personal data may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”).
LAWFUL BASIS OF PROCESSING PERSONAL DATA
We may process personal data relating to users if one of the following applies:
- users have given their consent for one or more specific purposes;
- provision of data is necessary for the performance of an agreement with the user and/or for any pre-contractual obligations thereof;
- processing is necessary for compliance with a legal obligation to which we are subject;
- processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in us;
- processing is necessary for the purposes of the legitimate interests pursued by us or by a third party.
We process and store your personal data for as long as required by the purpose they have been collected for.
- personal data collected for purposes related to the performance of a contract between us and the user will be retained until such contract has been fully performed;
- personal data collected for the purposes of our legitimate interests will be retained as long as needed to fulfill such purposes;
- we may be allowed to retain personal data for a longer period whenever the user has given consent to such processing, as long as such consent is not withdrawn;
- we may be obliged to retain personal data for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority.
We do not sell, trade, or otherwise transfer to outside parties your personal information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users (such as, for example, Mailerlite, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Users have the right to do the following:
- Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their personal data.
- Object to processing of their data. Users have the right to object to the processing of their data if the processing is carried out on a legal basis other than consent.
- Access their data. Users have the right to learn if data is being processed by us, obtain disclosure regarding certain aspects of the processing and obtain a copy of the data undergoing processing.
- Verify and seek rectification. Users have the right to verify the accuracy of their data and ask for it to be updated or corrected.
- Restrict the processing of their data. Users have the right, under certain circumstances, to restrict the processing of their data. In this case, we will not process their data for any purpose other than storing it.
- Have their personal data deleted or otherwise removed. Users have the right, under certain circumstances, to obtain the erasure of their data from us.
- Receive their data and have it transferred to another controller. Users have the right to receive their data in a structured, commonly used and machine-readable format and, if technically feasible, to have it transmitted to another controller without any undue delay.
- Lodge a complaint. Users have the right to bring a claim before their competent data protection supervisory authority.
You can exercise your right to prevent such processing by contacting us at firstname.lastname@example.org.
These requests can be exercised free of charge and will be addressed by us as soon as possible and always within 30 days.
The security of your personal information is important to us.
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our Site as safe as possible.
We use regular Malware Scanning.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential.
In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.
All transactions are processed through a gateway provider and are not stored or processed on our servers.
Unfortunately, no method of transmission over the internet is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
We may have a financial relationship with some of the merchants we mention.
From time to time, our blog posts and pages may contain affiliate links, which means we may get compensated/earn a commission at no extra cost to you if the affiliate links are utilised to make a purchase.
Our editorial content, including the advice we provide for educational purposes and the opinion we express on products, services and merchants is not influenced in any way by advertisers or affiliate partnerships and the integrity of our content is in no way compromised by such financial relationships.
We only affiliate with products, services, and merchants that we believe will provide value to our readers. We only endorse products, services and merchants that we have personally used/tested and consider of the highest quality standard.
It remains solely your personal responsibility to conduct your own investigation to determine whether to purchase an affiliate product or service.
You will not rely on any recommendation, reference, or information provided by me/us and I/we cannot be held liable or responsible for any damages resulting from your purchase.
We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for me/us to earn fees by linking to Amazon.com and affiliated sites.
Terms and Conditions
Last updated: 19th October 2019
Smartpennies.com (“us”, “we”, or “our”) owns and operates http://www.smartpennnies.com(the “smartpennies.com”).
This Site is intended for individuals who are 18 years of age or older.
By visiting and using this Site, you represent and warrant that you are of legal and meet all of the foregoing eligibility requirements.
All information on this Site, including any and all copyrights, trademarks, design rights and other intellectual property rights related to the content and work product on this Site, are owned by smartpennies.com, with the exception of the content you submit to us set forth in the section below.
The copying, redistribution, use, or publication by you of any such Content is strictly prohibited. Your use of our Site does not grant you any ownership rights to the Content of our Site.
The reproducing in any format (including on another website) of any part of our Site (including content, images and designs) without our prior written consent is strictly prohibited.
Requests for prior written consent should be addressed to the following email: liasmartpennies.com
You may provide links to our Site as long as
- you clearly give credit to us as the author,
- include a hyperlink to our Site,
- you do not remove or obscure any portion of our Site by framing or otherwise,
- your website does not engage in illegal or pornographic activities, and
- provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not provide links in such a way as to suggest any form of association, approval or endorsement on our part without our prior written consent.
You must not provide links from any website that is not owned by you.
You must cease providing links to our Site immediately upon our request.
Reliance on Content
The Content of this Site is meant for informational purposes only and is not intended to amount to professional or specific advice on which reliance should be placed.
Please refer to our disclaimer for further information. See further down this legal page under disclaimer
Every effort has been made to only provide complete and accurate information. However, we disclaim all responsibility and liability arising from any inaccuracies and any reliance placed on the information presented on this Site and shall not be liable for any damages or harm.
Content You Submit to Us
You may be provided with the ability to upload, display, post, transmit, send, email or otherwise submit to us on the Site or on any of our social media accounts, content in the form of text, files, images, photos, video, sounds, musical works, works of authorship, applications, or any other materials (the “content”, or “content you submit to us”).
You expressly acknowledge and agree that once you submit the content to us, it will be accessible by others, and that there is no confidentiality or privacy with regard to such content, including, without limitation, any personally identifying information that you may make available.
You, and not us, are entirely, and solely, responsible for all the content you submit to us. We do not claim ownership rights in the content you submit to us. However, you hereby grant to us a non-exclusive, fully paid and royalty-free, worldwide, perpetual license to modify, compile, combine with other content, copy, record, synchronize, transmit, translate, format, distribute, publicly display, publicly perform, and otherwise use or exploit (including for profit) such content and all intellectual property and moral rights therein, including, without limitation, distributing part or all of the Site in any media formats through any social media channels or technology now known or hereafter devised.
You represent and warrant that
- the content you submit to us is your original creation or you own the content or otherwise have the right to grant the license set forth above
- the content you submit to us does not violate the privacy rights, publicity rights, copyrights, contract rights, intellectual property rights or any other rights of any person,
- the content you submit to us does not result in a breach of contract between you and a third party,
You agree to be held solely liable for any damages resulting from any infringement of copyrights, trademark or other proprietary rights of the content you submit to us and for all royalties, fees, and any other monies owing any person by reason of the content you submit to us.
Limitation of Liability
In no event will our company or its directors, employees, or agents be liable to you or any third person for any direct, indirect or consequential loss or damage incurred in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it.
As a condition of your use of the Site, you warrant that you will not use the Site for any purpose that is unlawful or prohibited by these Terms.
You are prohibited from violating or attempting to violate any security features of the Site; damaging, disabling, or impairing or attempting to damage, disable or impair the Site; gaining or attempting to gain unauthorized access to any portion or feature of the Site; interfering with or causing disruption in the operation of the Site; modifying, reverse-engineering, decompiling, disassembling, participating in the transfer or sale, creating derivative works or attempting to modify, reverse-engineer, decompile, disassemble, participate in the transfer or sale, create derivative works, or in any way exploit, in whole or in part, any of the content available on the Site.
You agree to use the Site for lawful purposes only and any violation of any provision contained in these Terms may subject you to civil and/or criminal liability.
When you leave a comment on our Site, your comment will be publicly available to other visitors of this Site.
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.
Your comment may be checked through an automated spam detection service.
You can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
We reserve the right to remove any comment that we determine to be unlawful, inappropriate, offensive or otherwise objectionable or in violation of intellectual property laws or these Terms.
While using this Site, you may provide certain personally identifiable information, such as your name, email address or IP address.
By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.
Links to Other Sites
This Site may from time to time contain links to third-party sites.
We have no control over and assume no responsibility for the content or practices of any third-party Sites or for any loss or damage that may arise from your use of them.
Embedded Content from Other Sites
Content on this Site may include embedded content (e.g. videos, images, articles, etc.).
Embedded content from other sites behaves in the exact same way as if the visitor has visited the other website.
We may have a financial relationship with some of the merchants we mention.
This Site may contain affiliate links, which means we may get compensated at no extra cost to you if you make a purchase through a link.
We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.
Our editorial content, including the opinion we express on products, services and merchants are not influenced in any way by advertisers or affiliate partnerships.
We only endorse products, services and merchants that we have personally used/tested and consider of the highest quality standard.
Use of Downloadable Digital Content/Course Content
When purchasing a digital product or course from our Site or downloading a free digital product in exchange for your email address from our Site, you are granted a limited, personal, non-exclusive, non-transferable license of our materials for your personal or internal business use only.
You acknowledge and agree that under this license you have no right to:
– modify, copy, reproduce or sell the materials;
– use the materials for any commercial purpose;
– decompile or reverse engineer;
– remove any copyright or other proprietary notations from the materials;
– transfer the materials to another person;
– create derivative works based upon the materials;
– offer any competing products based upon the materials.
Refund and Return Policy
If you have purchased a physical item directly from our Site and you are not pleased with your purchase, we may refund your purchase price minus shipping costs within thirty (30) days of your purchase provided that
– the item is in its original packaging, including instruction manuals and all accessories;
– the item is unworn, unopened, unused and in its original condition;
– receipt or alternative proof of purchase are produced.
If you wish to request a refund or a replacement, notify us in writing at email@example.com and we will provide you with instructions on how to return the item in a timely manner.
When issuing a refund, if the item was purchased using a particular payment method you will be refunded using the same payment method in reverse.
Refund of Digital Products/Course Fees/Membership Fees
Due to the nature of digital content, all purchases of digital products, courses and memberships from our Site are final unless a refund is required under relevant consumer protection laws.
If you have purchased a digital product, enrolled in a course or joined a membership directly on our Site and you are not pleased with your purchase, we may refund your purchase price within thirty (30)days of your purchase provided that receipt or alternative proof of purchase are produced.
If you wish to request a refund, notify us in writing at firstname.lastname@example.org and we will process your request in a timely manner.
We reserve the right to terminate your rights under these Terms without notice if you fail to comply with any of these Terms.
You agree to indemnify, defend, and hold us and our partners, consultants, agents, officers, directors, employees, subcontractors, successors, service providers, and affiliates free from any liability, loss, claim, and expense, including reasonable attorney fees, related to your violation of these Terms, your use of our Site or your infringement, of any intellectual property or other right of any person or entity.
All updates will be posted on this page and you are expected to check this page from time to time to take notice of any changes.
Last updated: 19th October 2019
The information provided by (“we,” “us,” or “our”) on smartpennies.com) (the “smartpennies.com’) and the resources available for download through smartpennies.com is for educational and general informational purposes only.
All information on the Site is provided in good faith and every reasonable effort has been made to ensure that the information provided is as accurate and complete as possible and free from errors; however, the Site assumes no responsibility for errors, omissions, or contrary interpretation, and make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, relevance, validity, reliability, availability, timeliness or completeness of any information on the Site.
Under no circumstance shall we be held liable for any special, direct, indirect, consequential, or incidental loss or damage or any damages of any kind incurred as a result of the use of the Site or reliance on any information provided on the Site.
By using the Site, you accept full personal responsibility for any harm or damage you suffer as a result of your actions arising out of or in connection with the use of the Site or its content.
You agree to use judgment and conduct due diligence to verify any information obtained from the Site before taking any action or implementing any suggestions or recommendations set out on the Site.
Your use of the Site is solely at your own risk and you expressly agree not to rely upon any information contained in the Site.
We reserve the right to make additions, deletions, or modification to the contents on the Site at any time without prior notice.
We do not warrant that the Site is free of viruses or other harmful components.
Any perceived slights of specific persons, peoples, or organizations are unintentional.
Any product, website, and company names mentioned on the Site are the trademarks or copyright properties of their respective owners. We are not associated or affiliated with them in any way.
External links disclaimer
The Site may contain links to external websites that are not provided or maintained by or in any way affiliated with us. The Site does not guarantee the accuracy, adequacy, relevance, validity, reliability, availability, timeliness or completeness of any information on these external websites.
The Site offers fitness and nutritional information and is designed for educational purposes only. You should not rely on this information as a substitute for, nor does it replace, professional medical advice, diagnosis, or treatment.
The Site does not contain medical and health advice. The health information contained on the Site and the resources available for download through the Site is provided for general informational and educational purposes only and it is not intended as, and shall not be understood or construed as, professional medical advice, diagnosis, or treatment, or substitute for professional medical advice, diagnosis, or treatment.
Before taking any actions based upon such information, we expressly recommend that you seek advice from a medical professional.
Your use of the Site, including implementation of any suggestions and/or recommendations set out in the Site and/or use of any resources available for download through the Site, does not create a doctor-patient relationship.
Your use of the Site is solely at your own risk and you expressly agree not to rely upon any information contained in the Site or in the resources available for download through the Site as a substitute for professional medical advice, diagnosis, or treatment.
Under no circumstance shall be held liable or responsible for any errors or omissions on the Site or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the contents of the Site and/or as a result of failing to seek competent advice from a medical professional.
The Site does not contain legal advice. The information contained on the Site and the resources available for download through the Site is not intended as, and shall not be understood or construed as, legal advice.
The information contained on the Site and the resources available for download through the Site are for educational and general informational purposes only, and do not constitute advertising, a solicitation or legal advice.
Use of, access to or transmission of such information is not intended to create, and receipt thereof does not constitute formation of, an attorney-client relationship.
Before taking any actions based upon such information, we expressly recommend that you seek advice from a licensed legal professional in your jurisdiction.
Your use of the Site is solely at your own risk and you expressly agree not to rely upon any information contained in the Site or in the resources available for download through the Site as a substitute for professional legal advice.
Under no circumstance shall be held liable or responsible for any errors or omissions on the Site or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the contents of the Site and/or as a result of failing to seek competent advice from a legal professional.
The information contained on the Site and the resources available for download through the Site is not intended as, and shall not be understood or construed as, professional advice.
Your use of the Site, including implementation of any suggestions and/or recommendations set out in the Site and/or use of any resources available for download through the Site, does not create a professional-client relationship.
We expressly recommend that you seek advice from a professional. You agree not to rely upon any information contained in the Site or in the resources available for download through the Site as a substitute for professional advice.
Under no circumstance shall be held liable or responsible for any errors or omissions on the Site or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the contents of the Site and/or as a result of failing to seek competent advice from a professional.