Legal

Terms and Conditions

Looking After Your Pennies (this “website”) is owned and maintained by Charlotte Jessop (“I”, “we”).  All visitors and viewers of this site are referred to as “you” for the purpose of this policy.

By continuing to access and view this website and interact with the additional elements you are implying agreeing to these terms stated below.  Therefore I recommend that you read them carefully.  I reserve the right to amend these terms in the future and will inform you by posting on the site if I do so.  If you disagree with any of these terms then you should immediately discontinue your use of this website.

Copyright

This website/blog is my intellectual property.  This includes all text, information, images, graphics and design elements unless otherwise stated.  All content on this website is protected by Copyright Law.  By accessing this website you agree that you will not copy or attempt to copy any part of it or claim any of it as your own.

You may refer to parts of my work for personal use but it should be acknowledged accordingly through referencing or other systems.  If you wish to copy or reproduce my work for any other reason then my express written permission is required.  This can be sought by emailing me at: charlotte@lookingafteryourpennies.com.

Liability

I assume no responsibility for any comments made by any users or viewers of this website.  Comments made are the opinions and thoughts of the person that made them and hold no connection to me.  However by submitting them you grant me the right to use them how I wish in the future.  I reserve the right to remove any comments that are abusive, irrelevant, inappropriate or generally not supportive of this website.

By accessing this website you agree that neither I nor anyone else related to this website is responsible in anyway for any injuries, damages or losses that may occur in connection with this website.  Actions taken as a result of the information on this website are your own and I assume no responsibility for the outcomes.  The information presented on this site should not be substituted for professional and personalised advice.

General Behaviour

Your interaction with this website and I should remain honest and appropriate at all times.  Any communications between you and I or you and any other user of this website should be supportive, relevant and respectful.

Privacy

Please see the privacy policy below.

Termination

Anyone found violating these terms can be blocked and any accounts or subscriptions suspended at my discretion.

Contacting me

If you have any questions or comments in relation to these terms, please contact me at: charlotte@lookingafteryourpennies.com.

Last updated: 31st March 2018

Privacy Policy

Looking After Your Pennies (this “website”) is owned and maintained by Charlotte Jessop (“I”, “we”).  All visitors and viewers of this site are referred to as “you” for the purpose of this policy.

By continuing to access and view this website and interact with the additional elements you are implying your consent to sharing the information stated below.  Therefore I recommend that you read this policy carefully.  I reserve the right to amend this policy in the future and will inform you by posting on the site if I do so.  If you disagree with this policy then you should immediately discontinue your use of this website.

What information is collected?

If you interact with this site, I (the data controller) may collect your name, email address and IP address.  Interaction includes commenting or subscribing to further posts.  Taking either of these actions implies consent.  Comments will remain on the site indefinitely for other people to view.  If you wish to have them removed you can contact me at charlotte@lookingafteryourpennies.com.

Like other websites, we may collect information through your browser for analytical or advertising purposes. Google Analytics is used to track how you came to the page and how long you spent in different areas amongst other things. “Cookies” may  (you can switch these off through your browser) collect and analyse information about you.  This is done via an anonymous tracker which further improves your experience of this website.  Disabling cookies may affect your experience of the site.

Other features provided by third parties on this website include: Disqus (for comments), ShareThis (social media sharing), Jetpack (website stability), Ninja Forms (contact form), Pinterest PinIt (sharing images to Pinterest) and others may be added in the future.  These website elements will use cookies and may collect your IP address.

What do I do with the data?

Data collected passively through cookies etc. is used for analytical, marketing and advertising purposes.

I use affiliate marketing and these track where you came from (this website) to ensure that appropriate payment is made.  My current affiliate partners include Amazon Associates, Quidco (Tradedoubler) and Zeek (Awin).  I reserve the right to extend this list in the future and will update this policy accordingly.  These websites will have their own policies for how your information is used through them.

Google Adsense is used for marketing.  They will use cookies to display ads to you through the pages you view on this website.  You can turn off cookies for this purpose but you will continue to see adverts.

Your name and email address will be used to keep you informed of updates to the page.  If you subscribe to my newsletter then your details will be held on a database with MailChimp.  I will use this information to send you additional content that I feel would be beneficial to you.  You may unsubscribe at any time.  You should also consult MailChimp’s privacy policy.

I will not share, sell or trade your information with third parties other than for reasons previously stated, such as for the newsletter.  These providers will use your information only at my discretion and in according with this policy.

How about social media?

I have social media accounts that operate under the name Looking After Your Pennies and are linked from this website.  Please be aware that any interactions that you make there are publicly available.  Any personal information collected there will operate under the privacy policies of the individual providers so please look at those too.  Accessing social media links through this website will also generate cookies.  See above for more information on this.

What about your newsletter?

If you choose to subscribe to my email newsletter you agree to receive occasional communications from me that are relevant to the content of this website.  You may opt out by emailing me at: charlotte@lookingafteryourpennies.com or by following the information at the bottom of the emails.  I do not send out spam.

How do you keep my information secure?

I do everything that I knowingly can to prevent your information from falling into the wrong hands.  Your details are never kept on paper or in hard copies on a computer.  The third parties mentioned above (MailChimp) will store your information.  However, this is not a fool-proof system so cannot be guaranteed.  You can remove or edit your information at any point by contacting me at: charlotte@lookingafteryourpennies.com or following the links at the bottom of the emails.

What about links to other sites?

If you follow a link from this site and end up on a different page that will be governed by its own policy.  You should consult their privacy policy to see how they will use your data.

What if you change this policy in the future?

Any update to this policy will be shared through the website.

And what about if I have any questions?

Any comments or questions relating to this policy should be sent to me at charlotte@lookingafteryourpennies.com

Last Updated: 20th May 2018

Disclaimer

Read this disclaimer carefully.  This disclaimer is subject to change and can do so at any point without warning.  If you disagree with any aspect of it you should discontinuing using this website.

The information on this website is a combination of my personal and professional experiences.  They are shared with you for information and do not represent personalised and professional advice.  No responsibility will be taken by me or anyone else associated with this website if you take action as a result or something you read on this site.  I assume no liability for injuries, damages or losses that occur with any connection to this website.

I share examples of experiences or tips and tricks that have worked for myself and for others.  This does not assume that they will work for you.

This website and its contents do not replace personalised and professional financial advice.  It is your responsibility to find this for yourself.

This website contains affiliate links.  By clicking on these links and making a purchase I am paid a small amount at no additional cost to yourself.

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.

Last updated: 3rd August 2018