PRIVACY POLICY

OVERVIEW

This is the privacy policy of the blog known as The Frugal Housewife and located at the web address, thefrugalhousewife.com.  We are based in the State of Texas.

By continuing to visit and use our website, you are agreeing to our Privacy Policy.  Please Note: do not use this site or any affiliated services if you do not agree with this Privacy Policy or any of the policies and terms of use of our website.

At no time should you submit sensitive personal information to the Website.  This includes your social security number, information regarding your race or ethnic origin, political opinions, religious beliefs and opinions, health information, criminal background, or trade union memberships.  If you elect to submit such information to us, it will be subject to this Privacy Policy.  


COMMITMENT TO YOUR PRIVACY

We, at The Frugal Housewife, respect your privacy and are committed to protecting it. The purpose of this Privacy Policy is to inform you what personally identifiable information (personal data) we may collect and how it may be used. This statement only applies to this Website.

You have rights to the erasure of personal data.  This is commonly known as the ‘Right to be Forgotten’.   These rights are detailed below in the section “THE RIGHTS OF USERS TO OUR WEBSITE”.


PERSONAL DATA COLLECTION

What Types of Personal Data Do We Collect? 

Information You Voluntarily Submit to the Website:  We may collect personal information from you such as your name or email address. For example, you may voluntarily submit information to the Website by leaving a comment, subscribing to a newsletter, or submitting a contact form.

Information We Collect from Others: We may receive information about you from other sources.   An example of this would be if you use a third-party software through our website and they transfer information to us for fulfillment.

Automatically-Collected Information: We automatically collect certain information about you and the device with which you access the Website. For example, when you use the Website, we will log your IP address, operating system type, browser type, referring website, pages you viewed, and the dates/times when you accessed the Website. We may also collect information about actions you take when using the Website, such as links clicked.

Cookies: We may log information using cookies, which are small data files stored on your browser by the Website. We may use both session cookies, which expire when you close your browser, and persistent cookies, which stay on your browser until deleted, to provide you with a more personalized experience on the Website.

PLEASE NOTE:  Our website offers links to other websites of interest.  We offer advertisements for other websites.  Once you click on one of these links and go their site, we do not have control over what they offer, publish or how they collect personal information on their website.  It is YOUR responsibility to check the privacy policy, terms of use, and cookie policy for those websites.

Anonymous Data:  We may use anonymous data, which does not identify you alone, or when combined with data from other parties.  This type of information may be provided to other parties for use in marketing, advertising, or other uses.  An example of this anonymous data may include analytics or information collected from cookies.

Publicly visible information:  There will certain information publicly visible if you leave a comment on our website.


How We May Use Your Information

We may use the information collected in the following ways:

  • To operate and maintain the Website;
  •  To send you promotional information, such as newsletters. Each email promotion will provide information on how to opt-out of future mailings;
  • To send you administrative communications, such as administrative emails, confirmation emails, technical notices, updates on policies, or security alerts;
  • To respond to your comments or inquiries;
  • To track and measure advertising on the Website;
  • To protect, investigate, and deter against unauthorized or illegal activity.

How Long We Retain Your Data

We will retain personal data for as long as required by the purpose for which they have been collected.

For example, if you leave a comment on our site, your comment and the metadata associated with it are retained indefinitely. The reason we do this is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

Emails that are sent to us are kept indefinitely.  The reason we keep the emails is so we can recognize and follow-up with you and as required by law.

We keep analytics records regarding the traffic to our website.    These records are kept indefinitely unless otherwise directed by law.


Security of Personal Data

The Frugal Housewife takes the security of all personal data very seriously.  Your data is protected in the following ways.

  • Security software:  We operate dedicated security scanning on our website.  This software is responsible for full file system scans, limiting login attempts to our site, and blocking malicious attempts to access our services.
  • Access control:  Designers/support for this website are given an individual user account.  Access is only given to them through this account.  They agree to create a strong password.  They also must sign a confidentiality agreement with The Frugal Housewife regarding any information they may see or be given.
  • Third-party service providers:   We may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies.  We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

THE RIGHTS OF USERS TO OUR WEBSITE

In May, 2018, there was sweeping legislation that went into effect in the European Union with the passage of the European Union’s General Data Protection Regulation, also known as GDPR.

California has also adopted a new privacy act which will become effective on January 1, 2020.  This act is known as the California Consumer Privacy Act.  You can find our full CCPA policy here.

The Frugal Housewife has adopted the following in regard to the rights of our users in order to comply with both of these laws.

Users may exercise certain rights regarding their Data processed by the Owner.

In particular, 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 the 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. Further details are provided in the dedicated section below.
  • Access their Data. Users have the right to learn if Data is being processed by the Owner, 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, the Owner 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 the Owner.
  • 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 hindrance. This provision is applicable provided that the Data is processed by automated means and that the processing is based on the User’s consent, on a contract which the User is part of or on pre-contractual obligations thereof.
  • Lodge a complaint. Users have the right to bring a claim before their competent data protection authority.

Right to object to the processing of personal data

Where Personal Data is processed for a public interest, in the exercise of an official authority vested in the Owner or for the purposes of the legitimate interests pursued by the Owner, Users may object to such processing by providing a ground related to their particular situation to justify the objection.

Users must know that, however, should their Personal Data be processed for direct marketing purposes, they can object to that processing at any time without providing any justification. To learn, whether the Owner is processing Personal Data for direct marketing purposes, Users may refer to the relevant sections of this document.

How to exercise these rights

Any requests to exercise User rights can be directed to the Owner by written notice and should be addressed to the following:

The Frugal Housewife
Privacy Complaints
P. O. Box 5196
San Angelo, TX  76902.

These requests can be exercised free of charge and will be addressed by the Owner as early as possible and always within one month.


USE OF COOKIES

What are cookies?

Cookies are small files placed on the hard drive of your computer.  You can refuse to accept cookies by activating the appropriate setting on your web browser.  Please note that if you select to refuse cookies you may not be able to access certain parts of our website.  Unless you have your browser settings to refuse cookies, our system will issue cookies when you direct your browser to our website.

We use the following cookies:

  • Flash Cookies.  There are certain features of our Site that may use Flash Cookies to collect and store information about your preferences and the navigation to, from and while on our website.  Flash cookies are not managed by the same browser settings as web browser settings.
  • Strictly necessary cookies.  These are cookies that are required for the operation of our website.
    Analytical/performance cookies.  They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it.  This helps us to improve the way our website works, for example, by ensuring that users find what they are looking for easily.
  • Functionality cookies.  These are used to recognize you when you return to our website.  This enables us to personalize our content for you and remember your preferences (for example, your choice of language or region).
  • Targeting cookies.  These cookies record your visit to our website, the pages you have visited and the links you have followed.  We will use this information to make our website and the advertising displayed on it more relevant to your interests.  We may also share this information with third parties for this purpose.

Embedded Content

From time to time, we may write articles that may include embedded content, such as videos, images, articles, etc. Embedded content from these other websites behaves in the exact same way as if the visitor has visited the other website.

In other words, the websites may be able to collect data about you, use cookies, embed third-party tracking, and monitor your interaction with that embedded content. This includes tracking your interaction with the embedded content if you have an account and are logged in to that website.

Some of the embedded content may come from the following:

  • Instagram widget (Instagram, Inc.) — Instagram widget is an image visualization service provided by Instagram, Inc. that allows this Application to incorporate the content of this kind on its pages. Personal Data collected: Cookies and Usage Data — Privacy Policy.
  • Spotify widget (Spotify AB) — Spotify is an audio content delivery service provided by Spotify AB that allows this Application to incorporate the content of this kind on its pages.  Personal Data collected: Cookies and Usage Data. – Privacy Policy.
  • YouTube video widget (Google Inc.) — YouTube is a video content visualization service provided by Google Inc. that allows this Application to incorporate the content of this kind on its pages.   Personal Data collected: Cookies and Usage Data. – Privacy Policy. Privacy Shield participant.

PROCESSING OF PERSONAL DATA

Newsletters

The Frugal Housewife may in the future offer a subscription-based newsletter to its followers.   The information given when you sign up will be used for advertising purposes.  The newsletters sent will contain a tracking pixel.  The pixel is embedded in emails and allows an analysis of the online marketing campaigns for The Frugal Housewife.  These pixels allow us to see if you open an email and which links in the email you click.  The purpose of this is to allow us to adapt the content of future newsletters to the interests of our readers.  This behavior will not be passed on to third parties.

When we offer our newsletter, you will be given the opportunity to opt-out of future email communications, access the personal data information that you have submitted, amend or update your personal information, request that we erase or forget your personal information.  This policy will be amended if and when we offer a subscription-based newsletter.

Please note that we may need to retain certain information for recordkeeping purposes, or when required by law.

Analytics

The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

  • Analytics collected directly (This Website)
  • This Website uses an internal analytics system that does not involve third parties.
  • Personal Data collected: Cookies and Usage Data.

Facebook Ads conversion tracking (Facebook, Inc.)

  • Facebook Ads conversion tracking is an analytics service provided by Facebook, Inc. that connects data from the Facebook advertising network with actions performed on this Website.
  • Personal Data collected: Cookies and Usage Data.
  • Place of processing: US – Privacy Policy.

Google Analytics (Google Inc.)

  • Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of this Website, to prepare reports on its activities and share them with other Google services.
  • Google may use the Data collected to contextualize and personalize the ads of its own advertising network.
  • Personal Data collected: Cookies and Usage Data.
  • Place of processing: US – Privacy Policy – Opt Out.

Spam Protection

  • This type of service analyzes the traffic of this Application, potentially containing Users’ Personal Data, with the purpose of filtering it from parts of traffic, messages, and content that are recognized as SPAM.
  • Akismet (Automattic Inc.) — Akismet is a SPAM protection service provided by Automattic Inc.
  • Personal Data collected: various types of Data as specified in the privacy policy of the service.
  • Place of processing: United States – Privacy Policy.

Contacting the User

  • Contact form (this Application) –By filling in the contact form with their Data, the User authorizes this Application to use these details to reply to requests for information, quotes or any other kind of request as indicated by the form’s header.
  • Personal Data collected: email address and first name.

Tag Management

  • This type of service helps the Owner to manage the tags or scripts needed on this Application in a centralized fashion.  This results in the Users’ Data flowing through these services, potentially resulting in the retention of this Data.
  • Google Tag Manager (Google LLC) — Google Tag Manager is a tag management service provided by Google LLC.
  • Personal Data collected: Cookies and Usage Data.Place of processing: United States – Privacy Policy. Privacy Shield participant.

Content performance and features testing (A/B testing)

  • The services contained in this section allow the Owner to track and analyze the User response concerning web traffic or behavior regarding changes to the structure, text or any other component of this Application.
  • Google Website Optimizer (Google Inc.) — Google Website Optimizer is an A/B testing service provided by Google Inc.  Google may use Personal Data to contextualize and personalize the ads of its own advertising network.
  • Personal Data collected: Cookies and Usage Data.
  • Place of processing: United States – Privacy Policy. Privacy Shield participant.

Third-Party Cookies & Advertiser Cookies

Third-party cookies are placed on our website through the use of advertising.  The Frugal Housewife has no access to or control over the third-party cookies or how they treat the information that they gather from our site.

These third-party ad servers or ad networks use technology in their respective advertisements and links that appear on The Frugal Housewife and which are sent directly to your browser. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by our site’s third-party ad networks to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on the site.

Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include:

  • CJ Affiliate by Conversant (Conversant, Inc.) — CJ Affiliate by Conversant is a commercial affiliation service provided by Conversant, Inc.  Personal Data collected: Cookies and Usage Data.  Place of processing: US – Privacy Policy.
  • Rakuten Marketing (Linkshare) Affiliate — Rakuten Marketing is a commercial service provided by Rakuten Marketing LLC.  Personal Data collected:  Cookies and Usage Data  — Privacy Policy.
  • ShareASale — ShareASale is a commercial service provided by ShareASale Inc.  Personal Data collected:  Cookies and Usage Data  — Privacy Policy
  • Amazon Affiliate Program — The Frugal Housewife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to [insert the applicable site name (amazon.com).  Personal Data collected:  Cookies and Usage Data    Amazon Ad Preferences  
  • Media.net — Contextual ads are sometimes placed in our posts using Media.net.  Media.net contextual text ad units are primarily driven by context and not audience data. For EEA users and citizens of the EU, Media.net does not collect, store or use any Personal Data for ad targeting and wherever applicable serves only non-personalized ads across all ad formats. We only send the user IP address to upstream providers for the purpose of fraud identification and mitigation. The upstream providers may use IP addresses for geotargeting not more granular than city or DMA level. For more details, you can read Media.net’s new Privacy Policy here.
  • Google Adsense — Google, as a third-party vendor, uses cookies to serve ads on The Frugal Housewife.  Google’s use of the DART cookie enables it to serve ads to our site’s visitors based upon their visit to thefrugalhousewife.com and other sites on the Internet.  Users may opt-out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – http://www.google.com/privacy_ads.html

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. The Frugal Housewife’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or websites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.

The Frugal Housewife is not responsible for the effectiveness of, or compliance with, any third-parties opt-out option or program.


HOW YOU CAN CONTROL COOKIES IN YOUR BROWSER

To find out how to stop seeing interest-based ads from other companies and ad networks that participate in self-regulatory programs, visit the following sites:

The tools provided by the DAA opt-out page and NAI opt-out page are not provided by The Frugal Housewife but by third-parties.  We do not control these tools or the choices the advertisers and others provide through these tools.  Some of our third-party service providers require their opt-out links be listed specifically.  These links are listed below.

Please note that when you opt-out, you may receive an “opt-out” cookie so that the network will know not to assign you new cookies in the future.  You will continue to receive ads, but not ads that are behaviorally targeted ads.

Also note that if you erase your browser’s cookies, you may need to perform this process again.  The Frugal Housewife is not responsible for the effectiveness of, or compliance with, any third-parties opt-out option or program.  The Frugal Housewife is also not responsible for the accuracy of their statements regarding their programs.


APPLICABILITY OF BROADER PROTECTIONS STANDARDS

While most provisions of this document concern all Users, some provisions expressly only apply if the processing of Personal Data is subject to broader protection standards.

Such broader protection standards apply when the processing:

  • is performed by an Owner based within the EU;
  • concerns the Personal Data of Users who are in the EU and is related to the offering of paid or unpaid goods or services, to such Users;
  • concerns the Personal Data of Users who are in the EU and allows the Owner to monitor such Users’ behavior taking place in the EU.

ADDITIONAL INFORMATION ABOUT DATA COLLECTION AND PROCESSING

Legal action

The User’s Personal Data may be used for legal purposes by the Owner in Court or in the stages leading to possible legal action arising from improper use of this Website or the related Services.
The User declares to be aware that the Owner may be required to reveal personal data upon request of public authorities.

Additional information about User’s Personal Data

In addition to the information contained in this privacy policy, this Website may provide the User with additional and contextual information concerning particular Services or the collection and processing of Personal Data upon request.

System logs and maintenance

For operation and maintenance purposes, this Website and any third-party services may collect files that record interaction with this Website (System logs) use other Personal Data (such as the IP Address) for this purpose.

California Consumer Privacy Act

 

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

However, in order to comply with the GDPR, we have made the decision to up the age that is required by law here in the United States. We do not specifically market to children under the age of 18 years old.

CAN-SPAM Act

The CAN-SPAM Act is a United States law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

  • Send information in response to inquiries, and/or other requests or questions

To be in accordance with CANSPAM, we agree to the following:

  • Not use false or misleading subjects or email addresses.
  • Identify the message as an advertisement in some reasonable way.
  • Include the physical address of our business or site headquarters.
  • Monitor third-party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly.
  • Allow users to unsubscribe by using the link at the bottom of each email.
  • If at any time you would like to unsubscribe from receiving future emails, you can email us at
    thefrugalhousewife@gmail.com and we will promptly remove you from ALL correspondence.

PRIVACY POLICY CHANGES

The Frugal Housewife may change its Privacy Policy from time to time and at our discretion.  The date located at the bottom of this Privacy Policy will reflect the most recent version of the Privacy Policy.  All updates and changes become effective immediately upon notice, which may be given by any means, including but not limited to, posting a revised version of this Privacy Policy or other notice on our website.

Please review this Privacy Policy often to stay informed of any changes that may affect your and your continued use of this website.

This Privacy Policy is effective with respect to any data that we have collected or will collect about and/or from you.

Originally Published on June 5, 2018; Updated on December 31, 2019.

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