FunFinanceTips.com Privacy Policy

Last Updated: December 30, 2022

Universal Family Publishing, LLC, and Fun Finance Tips ("Fun Finance Tips)," "we," "our" or "us") is committed to protecting your privacy. This "Fun Finance Tips," Privacy Policy ("Privacy Policy") applies to the Fun Finance Tips website (the "Site") and governs data collection and usage including Fun Finance Tips Site and email services (the "Program"). This Privacy Policy applies to you :(a) when you access the Site; (b) when you register as a Fun Finance Tips member ("Member"); and (c) otherwise, with respect to certain changes hereto, on the date noted above for all existing Members.

We firmly believe that both our Members and our clients benefit because we market only to people who have given us express permission to do so.

While the word "privacy" may mean different things to different people, we believe that once you understand how we use your information, the steps we take to protect it, and the resulting benefit to you, you will not only feel confident when sharing information with us, but will also find your participation in the Program a most rewarding experience. Please note, if you are a resident of, or reside in, the United Kingdom or a European Union Member State, you are not permitted to use the Site, the Program and/or the other Fun Finance Tips offerings featured by and through the Site.

Users with disabilities who wish to access this Privacy Policy in an alternative format can contact us by e-mailing us at: privacynotice@Fun-FinanceTips.com; or sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

State Specific Privacy Rights

Residents of the States of California, Colorado, Connecticut, Utah and Virginia, as well as businesses organized under the laws of the State of California (collectively, “Covered Users”), are afforded additional rights pursuant to applicable state law. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights as a Covered User.

1. Your California Privacy Rights

Shine the Light. If you are a resident of the State of California and would like to learn how your “personal information” (as defined in the Shine the Light Law, Cal. Civ. Code § 1798.83) is shared with third-parties, what categories of personal information we have shared with third-parties in the preceding year, as well as the names and addresses of those third-parties, please e-mail us at: privacynotice@Fun-FinanceTips.com; send us U.S. Mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

Further, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please e-mail us at: privacynotice@Fun-FinanceTips.com; send us U.S. Mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170.. Please be advised that where California State residents opt-out from permitting their personal information to be shared, such individuals may still receive selected offers directly from us, in accordance with applicable law.

California Consumer Privacy Act of 2018 (“CCPA”). In addition to the foregoing, if you are a resident of the State of California, certain other privacy-related rights may apply to you in accordance with the CCPA, including the right to opt-out of our sale of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our “Privacy Provisions for Covered Users” below for a more complete description of your rights under the CCPA as a California State resident.

The California Privacy Rights Act (“CPRA”). In addition to the foregoing, if you are a resident of the State of California, certain other privacy-related rights may apply to you in accordance with the CPRA, including the right to correct personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to know how long we retain your sensitive and non-sensitive personal information, the right to know what sensitive personal information about you we have collected, whether your sensitive personal information was shared with third-parties in the preceding year and, if so, what categories of sensitive personal information were shared, as well as the categories of third parties with whom we shared that sensitive personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the CPRA as a California State resident.

Browser "Do Not Track" Signals. Most browsers contain a "do-not-track" setting. In general, when a "do-not-track" setting is active, the User’s browser notifies other websites that the User does not want her/his personal information and online behavior to be tracked and used, for example, for interest-based advertising. As required by California Online Privacy Protection Act ("CalOPPA"), we are required to inform you that, as is the case with most websites, we do not honor or alter our behavior when a Site User has activated the "do-not-track" setting on her/his browser; provided, however, that you may have certain rights with respect to the use of automated technologies to deliver targeted advertising to you, as well as to create profiles of you using your personal information.

2. Your Colorado Privacy Rights

If you are a resident of the State of Colorado, certain privacy-related rights may apply to you in accordance with the Colorado Privacy Act (“CPA”), including the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the CPA as a Colorado State resident.

3. Your Connecticut Privacy Rights

If you are a resident of the State of Connecticut, certain privacy-related rights may apply to you in accordance with the Connecticut Data Privacy Act (“CDPA”), including the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the CDPA as a Connecticut State resident.

4. Your Nevada Privacy Rights

Nevada State residents have the right to submit opt-out requests to website operators instructing those website operators not to sell any "covered information" that the website operators have collected about Nevada State residents to any third party data broker(s). Covered information includes a consumer’s name, postal and email address, telephone number and Social Security Number, and includes the Information described below in the "Personal Information that We Collect" section.

If you are a Nevada State resident and you wish to exercise your right to request that we to stop the sale of your Information to third party data brokers, please e-mail us at: privacynotice@Fun-FinanceTips.com; or send us U.S. Mail to: Universal Family Publishing, LLC, Attn: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170.. In your request, please specify that you want to exercise your rights to opt-out from the sale of covered information under the Nevada Privacy Law and specify the website that you visited and the email address you registered with. Please allow thirty (30) days for a response.

5. Your Virginia Privacy Rights

If you are a resident of the State of Virginia, certain privacy-related rights may apply to you in accordance with the Virginia Consumer Data Protection Act (“VCDPA”), including the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the VCDPA as a Virginia State resident.

6. Your Utah Privacy Rights

If you are a resident of the State of Utah, certain privacy-related rights may apply to you in accordance with the Utah Consumer Privacy Act (“UCPA”), including the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the UCPA as a Utah State resident.

General Privacy Provisions

Privacy Policy Quick Links

Below are links to key sections of our Privacy Policy:

Collection of Information

Automatic Information and Cookies Collected though Participation in the Fun Finance Tips Program

Information Collected at Registration

Information Collected Via Sweepstakes and Other Promotions

Use and Disclosure of Personal Information

Opting Out, Member Communications, Email and SMS Text Messaging

Personal Information Shared with Fun Finance Tips Advertisers; and Third Party Websites

Testimonials

Refer-a-friend

Deleting, Modifying and/or Updating Your Information

Data Verification and Supplementation

Security of Your Personal Information

Changes to this Privacy Policy

Children's Privacy

Transfer of Personal Information Internationally

Contact Us

Provisions for Covered Users

1. Collection of Information

Please see our Provisions for Covered Users below for additional details regarding the categories of personal information collected.

Fun Finance Tips collects both personal and non-personal information using the methods listed below. Our primary purpose in collecting such information is to provide you with a personalized experience by displaying content and delivering offers that are likely to be of interest to you according to your preferences.

2. Automatic Information and Cookies Collected though Participation in the Fun Finance Tips Program

Please see our Provisions for Covered Users below for more details regarding the categories and types of non-personal information collected.

When you sign-in to the Site (or access the Site via e-mail, push or text), the server automatically recognizes you by your “cookies,” which are small text files that are placed on your computer by the Site upon arrival. The cookies that we use are “analytical” in nature, in that they act as unique identifiers and are linked to your personal information, allowing us to access your personal information and personalize the Site and Program to your specified interests. The cookies also allow us to keep track of your activity on the Site, properly credit entries to your account and help ensure that only you can access your account. The information collected by the cookies may be added to your personal profile and used to deliver offers and advertisements that are relevant to your interests.

The Program makes active use of third-party companies to display advertisements on the Site or in Fun Finance Tips email. Many of Fun Finance Tips’s third-party advertisers, shopping affiliates and merchants utilize “analytical” cookies, similar to Fun Finance Tips’s described above, to identify you as a Member of Fun Finance Tips. This enables the cookies to report transactions back to us so that we are able to properly credit activity generated on the Site. Third-party cookies are also used to record unique page views, email responses and future transaction activity corresponding to specific offers.

Additionally, we and our third-party advertisers use cookies and clear pixel GIFs (also referred to as "web beacons") to measure page views on the Site, advertiser websites and email responses. These devices allow us to identify unique visitors to the Site, Member visits to advertiser websites, and act as a counter for ongoing monitoring of Site, email and corresponding future transaction activity related to specific offers for both Fun Finance Tips and its advertisers. These commonly used cookies collect absolutely no personal information and are only used to enhance the Program and make it more relevant to your personal interests.

Fun Finance Tips and its third-party ad networks may also place “persistent” cookies on your computer, which recognize your computer each time you receive an online advertisement. In this way, information is compiled about where you, or others who are using your computer, saw the advertisement and to determine which ads are clicked on. This information allows targeted advertisements to be sent that will be of interest to you. Fun Finance Tips does not have access to or control over the cookies that may be placed by third-parties on your computer, and has no control over these parties' privacy policies or information collection practices. For more information regarding targeted advertisements, please see the Behavioral Marketing/Do-Not-Track section below, and for more information regarding our practices related to third-party ad servers, please see Section 8, herein.

Fun Finance Tips retrieves the following information from your browser:

Your browser type (e.g., Internet Explorer, Chrome, Safari)

Platform-dependent information (e.g., Windows, iOS)

Requested document (the page you're looking at)

Referrer URL (the page you came into the Site from)

Date and time of your visit

Your registered Fun Finance Tips account information

Approximate geographic location for compliance purposes

IP address associated with member transaction in the system

Additionally, for each visitor to the Site, our server automatically recognizes the following:

Host origin of the request (your IP address or that of your ISP if using proxy servers)

Requested document (the page you're looking at)

Referrer URL (the page that you came to the Site from)

Your registered Fun Finance Tips account information

Date and time of your visit

This information, sometimes called log-file or clickstream data, is used to monitor Site performance and analyze traffic patterns and usage to ensure the Program functions properly. It may also be appended to your personal profile so that we may further tailor the Program to your interests.

Behavioral Marketing/Do-Not-Track: Without limiting the foregoing, we allow third-party companies such as Google® to collect certain information when you visit the Site. These companies may utilize cookies, pixels or other technologies to collect and use both personally identifiable information (e.g., your name, phone number, physical or electronic address, etc.) and non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over, etc.) during your visits to the Site, as well as when you visit other websites, in order to provide advertisements about goods and services likely to be of greater interest to you. To the greatest extent permissible under applicable law, we are not responsible for the tracking practices of third parties in connection with the Site.

Users may be able to disable some, but not all, of this tracking activity by utilizing the “Do Not Track” setting or similar options within most major Internet browsers. To learn more about this behavioral advertising practice, as well as to learn about other options for opting-out of this type of advertising, you can visit the websites of the Digital Advertising Alliance at www.aboutads.info and/or Networking Advertising Initiative at www.networkadvertising.org/choices .

Further, users can opt-out of certain Google®-related tracking technology, and customize the Google® Display Network ads that they receive, by visiting the Google® Ads Settings at: http://www.google.com/settings/ads. Google® also recommends installing the Google® Analytics Opt-out Browser Add-on for your web browser, which is available here: https://tools.google.com/dlpage/gaoptout.

Covered Users may have additional rights with respect to tracking technology, as set forth in the Provisions for Covered Users below.

3. Information Collected at Registration

In order to take advantage of the offers available on the Site, you must register for our Program and become a Member. We collect personal information when you register with us and when you use the Fun Finance Tips Program and other products and/or services. We may combine information about you that we have with information we obtain from business partners or companies. During registration, we require members to give us basic contact information (such as your first name, last name, e-mail address and mobile telephone number) and demographic information (such as your zip code, age and gender). The registration form information requests may change from time to time. Although additional demographic information may be requested at the time of registration, only information marked "required" is necessary for registration and utilization of our services.

4. Information Collected Via Sweepstakes and Other Promotions

We provide you with the opportunity to participate in contests or sweepstakes. If you choose to participate, we will request certain personally identifiable information from you. Participation in these contests is completely voluntary and you therefore have a choice as to whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address) and demographic information (such as gender and zip code).

We use this information to notify contest winners and award prizes. We may also use the information gathered to better personalize your Program experience.

We may use a third party service provider to conduct these contests and sweepstakes. That company is prohibited from using your personally identifiable information for any other purpose. We will not share the personally identifiable information you provide through a contest, sweepstakes or survey with any third party except as allowed under this Privacy Policy or with your prior notice and choice.

5. Use and Disclosure of Personal Information

Please see our Provisions for Covered Users below for details regarding our uses and sharing of personal information.

We may rent, share, trade and sell your personal information to/with third parties for promotional purposes, as further described in Section 8 below. If you purchase a product or service from a third party or agree to co-register on a third party's website, and such process requires you to submit financial and/or personally identifiable information, you are also consenting to our delivery of this information to that party. The offer will notify you if any financial or personally identifiable information will be shared. Such third party will be authorized to use this information in keeping with our contractual relationship with them and in accordance with their own privacy policy and information practices. We do not control these third parties and you agree that Fun Finance Tips is not liable for their acts or any failure to act on their part.

Although we house our data in the United States, it is possible that some of our data processing may occur outside of the United States. While the data protection laws of these countries may vary, we will make every reasonable effort to protect your information based upon the express terms of this Privacy Policy. By enrolling in the Program, you consent to this transfer of your personal data.

Where you provide “prior express consent” within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time (“TCPA”), you consent to receive telephone calls, including artificial voice calls, pre-recorded messages and/or calls including SMS text messages delivered via automated technology, to the telephone number(s) that you provided. Please note that you are not required to provide this consent in order to obtain access to the Fun Finance Tips Program, and your consent simply allows Fun Finance Tips to contact you via these means. Please be advised that by agreeing to this Privacy Policy, you are obligated to immediately inform us if and when the telephone number that you have previously provided to us changes. Without limiting the foregoing, if you: (a) have your telephone number reassigned to another person or entity; (b) give up your telephone number so that it is no longer used by you; (c) port your telephone number to a landline or vice versa; or (d) otherwise stop using that telephone number for any reason (collectively “Phone Number Change”), you agree that you shall promptly notify Fun Finance Tips of the Phone Number Change via e-mail at: privacynotice@Fun-FinanceTips.com, or by using one of the methods set forth in the “Contact Us” section below.

We reserve the right to release current or past personal information (including sensitive information): (i) in the event that we believe that the Site and/or Program are being or have been used in violation of the Fun Finance Tips Terms of Service or to commit unlawful acts; (ii) if the information is subpoenaed; provided, however, that, where permitted by applicable law, we shall provide you with e-mail notice, and opportunity to challenge the subpoena, prior to disclosure of any personal information pursuant to a subpoena; or (iii) if we are sold, merge with a third-party, are acquired or are the subject of bankruptcy proceedings; provided, however, that if Fun Finance Tips is involved in a bankruptcy proceeding, merger, acquisition or sale of all or a portion of its assets, you will be notified via e-mail and/or a prominent notice on the Site of any change in ownership or uses of your personal information, as well as any choices that you may have regarding your personal information..

6. Opting Out, Member Communications, Email and SMS Text Messaging

Please see our Provisions for Covered Users below for instructions on how Covered Users can opt-out of the sale of their personal information to third parties.

Fun Finance Tips employs a strict policy against sending unsolicited email. Because email is an integral part of the Program, you automatically sign up to receive email from Fun Finance Tips, including Fun Finance Tips offers, as well as third party offers, that Fun Finance Tips thinks may be of interest to you. If you later decide that you wish to cease participation in this portion of the Program, you may do so at any time by clicking on the opt-out links contained within each Fun Finance Tips email or by sending an email to: unsubscribe@Fun-FinanceTips.com. In addition, Fun Finance Tips employs a strict policy against sending unsolicited SMS text messages. Because SMS text messages can be an integral part of the Program, subject to obtaining your “prior express consent” as set forth in Section 6 above, Fun Finance Tips may contact you with periodic SMS text messages related to the Program and other Fun Finance Tips products and/or services. If you decide you wish to cease participation in this portion of the Program, you may do so at any time by replying with the word “STOP” in response to one of the SMS text messages that you receive from Fun Finance Tips, or sending an email to: stop@Fun Finance Tips.com with the telephone number you used to subscribe to this service.

Please note that opting not to receive email does not exempt you from receiving administrative emails that include, but are not limited to, notices about vital Program and membership status changes, Privacy Policy and Terms of Service updates and purchase and redemption confirmation emails (collectively, “Fun Finance Tips Related Email”).

Our Member Services Department may contact you in response to your inquiries, to provide services at your request and to manage your account. We will communicate with you by email, telephone or fax in accordance with your wishes (collectively, “Fun Finance Tips Administrative Contact”).

To opt-out of receiving Fun Finance Tips Related Email and Fun Finance Tips Administrative Contact from Fun Finance Tips, you must cease membership, use of the Program and submitting inquiries to Fun Finance Tips, as applicable.

7. Personal Information Shared with Fun Finance Tips Advertisers; and Third Party Websites

Please see our Provisions for Covered Users below for details regarding our uses and sharing of personal information.

The Fun Finance Tips Site and emails contain links to various other websites that are not owned by us. While we make reasonable efforts to ensure that our advertisers post clear and complete privacy policies and observe appropriate data practices, each of these websites has a privacy policy that may differ from that of Fun Finance Tips. The privacy practices of other websites and companies are not covered by this Privacy Policy. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage you to be aware when you leave our Site and to read the privacy statements of each and every website that collects personally identifiable information. We may pass personally identifiable information (other than sensitive financial information) via a secure interface to certain of our advertisers for the purpose of making it easier for you to sign up for their offers. However, this information is only to be used by the advertiser if you agree to submit the information to the advertiser for the purposes of completing an offer.

We occasionally use third parties to provide limited services on our behalf, such as handling the processing and delivery of mailings, providing customer support, or performing statistical analysis of our services. We will only provide these third parties the personal information they need to deliver the service. They are required to maintain the confidentiality of your information and are prohibited from using that information for any other purpose.

In the event that we were unable to capture your transaction detail, we may need to validate your transaction with an advertiser or merchant partner. The validation information shared is used solely for this purpose and may include your first name, last name, email address, mailing address or date of birth. We will require that these third parties comply with the information practices set forth in this Privacy Policy and that the information not be shared or used for any other purpose.

8. Testimonials

Our users may submit testimonials about Fun Finance Tips on our Site. In such cases, it is the user's choice as to whether her/his personally identifiable information is posted along with the testimonial. In addition, Fun Finance Tips has forums available to its users that allow them to post opinions or testimonials about third-party products and services. You should be aware that any personally identifiable information that you submit through these forums can be read, collected or used by other users of these forums, which they could then use to send you unsolicited messages. We are not responsible for the personally identifiable information that you choose to submit in these forums.

9.Refer-a-friend

If you elect to use any of our referral services for informing friends about our Site, you will be asked to provide your friends' names and e-mail addresses. You may enter this information manually, or you can also choose to import your contacts from your email address book, in which case you will be asked to provide us with your email address and password, which will be used solely for the purpose of importing your contacts to our referral service. We will then automatically send your friends a one-time e-mail, plus a reminder email (both of which may include your name and email address) inviting them to visit our Site. We ask for this information for the sole purpose of sending these emails and tracking the success of our referral program.

10. Deleting, Modifying and/or Updating Your Information

Please see our Provisions for Covered Users below for instructions on how Covered Users can access and/or delete personal information that we have collected.

At your request, we will inform you of what personal information we have on file for you. In addition, at your request, we will remove, update and/or modify the personal information that you have provided to us, or that we have collected. You may do so by contacting us by https://sweeps.fun-financetips.com/i/pages/consumer-opt-out provided, however, that we ask individuals to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning information residing on backup tapes).

Please be advised that, after you delete your personal information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems. In addition, this deletion will not change or delete personal information which may have already been shared with third parties, all as provided in this Privacy Policy. You will need to contact the third parties that contact you directly to change your preferences regarding their use of your personal information.

11. Data Verification and Supplementation

Data verification involves the use of third-party data processing services to standardize and clean your provided enrollment information so that it is easily identified and accessed in our database.

In order to provide you with the most rewarding experience, we might send your information to data processors so that they can clean your address and standardize it to ensure it is most accurate and up-to-date. All such third-party data processors are contractually bound to observe the strict policy stated herein, so you can rest assured that the confidentiality of your personal information will be maintained.

12. Security of Your Personal Information

We endeavor to safeguard and protect our users’ personal information. When users make personal information available to us, their personal information is protected both online and offline (to the extent that we maintain any personal information offline). Although we do not anticipate collecting such information, if our registration/application process prompts users to enter sensitive information (such as medical information, driver’s license/ID card number, health insurance information, data collected from an automated license plate recognition system, Social Security Number and credit card information), and if we were to store and transmit such sensitive information, that information would be encrypted and protected with advanced TLS (Transport Layer Security) encryption software

Access to your personal information is strictly limited, and we take reasonable measures to ensure that your personal information is not accessible to the public. All of our users’ personal information is restricted in our offices. Only employees or third party agents who need the personal information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all user personal information. Employees not adhering to our firm policies are subject to disciplinary action. The servers that we store personal information on are kept in a secure physical environment. We also have security measures in place to protect the loss, misuse and alteration of personal information under our control.

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the Internet can be guaranteed to be 100% secure. Computer hackers that circumvent our security measures may gain access to certain portions of your personal information, and technological bugs, errors and glitches may cause inadvertent disclosures of your personal information; provided, however, that any attempt to breach the security of the network, our servers, databases or other hardware or software may constitute a crime punishable by law. For the reasons mentioned above, we cannot warrant that your personal information will be absolutely secure. Any transmission of data at or through the Site or otherwise via the Internet or wireless network is at your own risk.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

13. Changes to this Privacy Policy

We may amend this policy from time to time. If we make any material changes in the way we use your personally identifiable information we will notify you by email and at the top of this Privacy Policy web page. You will have a choice as to whether or not we use your personally identifiable information in this different manner, and we will only use your personally identifiable information in this different manner where you opt-in to such use. For questions and concerns about the information collected or used at the Site, please contact us by emailing us at privacynotice@Fun-FinanceTips.com.

14. Children’s Privacy

Please see our Provisions for Covered Users below for more details regarding the personal information of minors.

Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. Fun Finance Tips does not knowingly solicit or collect information from visitors under eighteen (18) years of age.

15. Transfer of Personal Information Internationally

If you are visiting the Site from a country other than the country in which our servers are located, your communications with us may result in the transfer of information across international boundaries. By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers. Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections described in this Privacy Policy.

16. Contact Us

If you have any questions or suggestions regarding this Privacy Policy, please contact us by email at memberservices@Fun-FinanceTips.com or send us U.S. mail to: Universal Family Publishing, LLC Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

Privacy Provisions for Covered Users

These Provisions for Covered Users (“Provisions”) supplement, and do not limit in any way, the Privacy Policy set forth above. These Provisions apply solely to the Covered Users who are residents of the States of California, Colorado, Connecticut, Utah and Virginia, as well as businesses organized under the laws of the State of California. We adopt these Provisions in compliance with the CCPA, CPRA, CPA, CDPA, UCPA and VCDPA (collectively, “Applicable State Laws”). Any terms defined in Applicable State Laws have the same meaning when used in these Provisions. Covered Users with disabilities who wish to access these Provisions in an alternative format can contact us by emailing us at: privacynotice@Fun-FinanceTips.com; or sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

Categories of Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Covered User or device (“personal information”). In particular, we have collected the following categories of personal information from Covered Users within the last twelve (12) months:

https://sweeps.fun-financetips.com/i/pages/consumer-opt-out
Emailing us at: privacynotice@Fun-FinanceTips.com; or
Sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

We endeavor to act on all Profiling opt-out requests as soon as practicable, but in all cases within forty-five (45) days of the receipt of your request.

Right to Opt-Out of Targeted Advertising

You have the right to opt-out from Targeted Advertising conducted by us. For purposes of these Provisions, "Targeted Advertising” means displaying advertisements to you where the advertisements are selected based on personal data obtained from your activities over time and across non-affiliated websites or online applications to predict your preferences or interests. You have the right to opt-out from Targeted Advertising. To exercise your right to opt-out of Targeted Advertising, please submit a verifiable Covered User request to us by either:

https://sweeps.fun-financetips.com/i/pages/consumer-opt-out
Emailing us at: privacynotice@Fun-FinanceTips.com; or
Sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

We endeavor to act on all Targeted Advertising opt-out requests as soon as practicable, but in all cases within forty-five (45) days of the receipt of your request.

Authorized Agents

Covered Users may permit an authorized agent to exercise any rights granted under Applicable State Laws as set forth above. In order to utilize an authorized agent, you must provide the authorized agent with written permission from you to act on your behalf for these purposes. When you use an authorized agent to submit a request to delete, request to correct or a request to know, we may require the authorized agent to provide proof that you gave the agent signed permission to submit the subject request. We may also require you to do either of the following: (a) verify your own identity directly with us; or (b) directly confirm with us that you provided the authorized agent permission to submit the request. Please submit such documentation to us by emailing us at: privacynotice@Fun-FinanceTips.com; or sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

For California residents, only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable Covered User request related to your personal information.

Non-Discrimination

We will not discriminate against you for exercising any of your rights under Applicable State Laws. Unless permitted by Applicable State Laws, we will not:

Deny you goods or services;
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
Provide you with a different level or quality of goods or services;
Retaliate against any employee, job applicant or independent contractor; and/or
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to this Privacy Provisions

We reserve the right to amend these Privacy Provisions in our discretion and at any time. When we make changes to these Privacy Provisions, we will notify you by email or through a notice on the Site’s homepage.

Contact Information

If you have any questions or comments about these Privacy Provisions, the Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us by either:

Emailing us at: privacynotice@Fun-FinanceTips.com; or
Sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

Category	Examples	Collected
A. Identifiers	Email address, first/last name, mailing address, date of birth and mobile telephone number.	YES
B. Personal information categories listed in Applicable State Laws.	First/last name, mailing address and mobile telephone number.	YES
F. Internet or other similar network activity.	Browsing history, search history, information on a Covered User's interaction with the Site, application or advertisement.	YES
G. Sensitive Personal Information.	A Social Security number, driver’s license number, state identification card number, or passport number. Account log-in information, financial account, or debit or credit card number used in combination with any required security code, access code, password, or log-in credentials necessary to access an account. Precise geolocation, racial or ethnic origin, religious or philosophical beliefs, or union membership. The contents of a consumer’s U.S. mail, electronic mail, or text messages unless the business is the intended recipient, and a consumer’s genetic data.	YES

Category Examples Collected

A. Identifiers Email address, first/last name, mailing address, date of birth and mobile telephone number. YES

B. Personal information categories listed in Applicable State Laws. First/last name, mailing address and mobile telephone number. YES

F. Internet or other similar network activity. Browsing history, search history, information on a Covered User's interaction with the Site, application or advertisement. YES

G. Sensitive Personal Information. A Social Security number, driver’s license number, state identification card number, or passport number. Account log-in information, financial account, or debit or credit card number used in combination with any required security code, access code, password, or log-in credentials necessary to access an account. Precise geolocation, racial or ethnic origin, religious or philosophical beliefs, or union membership. The contents of a consumer’s U.S. mail, electronic mail, or text messages unless the business is the intended recipient, and a consumer’s genetic data. YES

Personal information does not include:

Publicly available information from government records.
De-identified or aggregated Covered User information.
Information excluded from the scope of Applicable Privacy Laws, such as:
health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; and
personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

We obtain the categories of personal information for which we indicated “YES” above from the following categories of sources:

Directly from our Covered Users. For example, from online registration forms that our Covered Users submit to us in connection with our membership services, our sweepstakes and promotions and the other products and/or services that we offer by and through the Site. (Category A and B)
Indirectly from our Covered Users. For example, through information we collect from our Covered Users in the course of providing our products and/or services to them. (Category A, B and F)
Directly and indirectly from activity on the Site, as well as via certain tracking technology after you leave the Site. This includes the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet Service Provider. In addition, we obtain certain Site usage details and analytics as same are collected automatically by us and our third party partners. This includes the advertisements that you click on and interact with, the pages of the Site (and other websites) visited and items purchased/added to your cart. (Category F)
From third-parties that interact with us in connection with the products and/or services that we offer to our Covered Users. For example, third party entities that assist us in sending direct and electronic mail, removing duplicate information from Covered User lists, analyzing data and providing marketing analysis. (Category A and B)

Use of Personal Information

We may use or disclose the personal information that we collect (including email address, first/last name, mailing address, date of birth and mobile telephone number) for one or more of the following business purposes:

To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in connection with your registration for our membership services, our sweepstakes and promotions and/or our other products and/or services, we will use that information to process your registration. (Category A, B and F)
To provide you with information, products or services that you request from us. (Category A, B and F)
To create, maintain, customize and secure your account with us. (Category A, B and F)
To provide you with e-mail, direct mail and telemarketing messages concerning certain Fun Finance Tips products and/or services, as well as third-party products and/or services, that we believe may be of interest to you. (Category A and B)
To deliver relevant Site content to you. (Category A, B and F)
To serve you relevant advertisements on the Site, and on third-party websites when you exit the Site, and to measure or understand the effectiveness of the advertising that we serve. (Category A, B and F)
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including the Site’s Terms and Conditions. (Category A, B and F)
To improve the Site and better present its contents to you. (Category A, B and F)
For customer service purposes and to respond to inquiries from you. (Category A and B)
For testing, research, analysis and product development. (Category A, B and F)
As necessary or appropriate to protect our rights, property or safety, and that of our clients or others. (Category A, B and F)
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. (Category A, B and F)
As described to you when collecting your personal information or as otherwise set forth in Applicable State Laws. (Category A, B and F)
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us is among the assets transferred. (Category A, B and F)

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated or incompatible purposes without providing you with notice.

Retention of Personal Information and Sensitive Personal Information

We retain all categories of your personal information and sensitive personal information that we collect for the maximum period permitted by applicable law. We may also use certain criteria to determine whether and when to delete certain categories of collected personal and sensitive personal information including:

Date of collection.
Frequency of consumer interaction with us.
Last interaction the consumer had with us.
Whether the purpose of collection has been completed.

Sharing Personal Information

Subject to your right to opt-out of such sharing/sale, we may share your personal information (including: (a) full name; (b) mailing address; (c) e-mail address; (d) telephone number; and (e) date of birth) for marketing purposes (but not Sensitive Information), and the other business purposes set forth above; provided, that we only use Sensitive Information to make appropriate tax filings associated with sweepstakes winnings.

When we disclose personal information to a third party service provider or other entity, we enter into a contractual relationship that describes the purpose for which such third party may use the personal information and requires that third party to both keep the personal information confidential and not use it for any purpose other than the performance of its services under the applicable contract. Please note, we do not collect information from Covered Users that we actually know are less than eighteen (18) years of age and we do not share or sell the personal information of Covered Users that we actually know are less than eighteen (18) years of age. Without limiting the foregoing, we have not shared or sold the personal information of Covered Users that we actually know are less than sixteen (16) years of age in the preceding twelve (12) months.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A: Identifiers.

Category B: Personal information categories listed in Applicable State Laws.

Category F: Internet or other similar network activity.

Category G: Sensitive Information (only in the event you win a prize in excess of $600 and soley to make appropriate tax filings associated with sweepstakes winnings)

In the preceding twelve (12) months, we have not sold personal information to third parties

We disclose your personal information for a business purpose to the following categories of third parties:

Our affiliates. (Category A, B and F)
Service providers. (Category A, B, F and G)
Only where you expressly opt-in to such use, third parties who purchase and/or license your personal information for marketing purposes, including: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers. (Category A, B and F)
Third parties to whom you authorize us to disclose your personal information to in connection with the products and/or services that we provide to you. (Category A and B)

In the preceding twelve (12) months, we have shared personal information (including email address, first/last name, mailing address, date of birth and mobile telephone number) for the business purposes set forth above.

Your Rights and Choices

Applicable State Laws provide Covered Users (residents of California, Colorado, Connecticut, Utah and Virginia) with specific rights regarding their personal information. This section describes the rights of Covered Users under Applicable State Laws, and explains how to exercise those rights.

Opt-Out from the Sharing of Your Personal Information

You have the right to opt-out of our sale of your personal information to third parties. To exercise your right to opt-out of our sale of your personal information to third parties, please submit a verifiable Covered User request to us by either:

https://sweeps.fun-financetips.com/i/pages/consumer-opt-out
Emailing us at: privacynotice@Fun-FinanceTips.com; or
Sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

We endeavor to act on all opt-out requests as soon as practicable, but in all cases within fifteen (15) business days of the receipt of your request. Subject to the aforementioned fifteen (15) business day period, where we receive and confirm your verifiable opt-out request, we will cease the sharing of your Personal Information to third parties.

Opt-Out from the Sale of Your Personal Information

https://sweeps.fun-financetips.com/i/pages/consumer-opt-out
Emailing us at: privacynotice@Fun-FinanceTips.com; or
Sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

Opt-Out from the Use and/or Sharing of Your Sensitive Personal Information

You have the right to limit our use of your sensitive personal information, including any sensitive information from Category B (Personal information categories established by Applicable State Laws) and/or Category G (Sensitive Personal Information), to those uses which: (i) are necessary to perform the services or provide the goods requested by you; (ii) help us to ensure security and integrity of your personal information to the extent the use of your sensitive personal information is reasonably necessary and proportionate for these purposes; (iii) are short-term, transient uses including, but not limited to, non-personalized advertising shown as part of your then-current interaction with the Site, provided that your personal information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the then-current interaction with the Site; (iv) involve performing services on behalf of Company, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of Company; and (v) include activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by, Company, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by, Company.

You also have the right opt-out of our sharing your sensitive personal information with third parties, including any sensitive information from Category B (Personal information categories established by Applicable State Laws) and/or Category G (Sensitive Personal Information).

To exercise your right to limit our use of your sensitive personal information and/or opt-out of our sharing your sensitive personal information with third parties, please submit a verifiable Covered User request to us by either:

https://sweeps.fun-financetips.com/i/pages/consumer-opt-out
Emailing us at: privacynotice@Fun-FinanceTips.com; or
Sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

We endeavor to act on all such requests as soon as practicable, but in all cases within fifteen (15) business days of the receipt of your request. Subject to the aforementioned fifteen (15) business day period, where we receive and confirm your verifiable opt-out request, we will cease using your Sensitive Personal Information/sharing your Sensitive Personal Information with third parties (and direct our service providers and contractors to do the same).

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable information/portability request, as applicable, we will disclose to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting or selling that personal information.
Our business or commercial purpose for collecting or selling that personal information.
The categories of third parties with whom we have shared that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
sales, identifying the personal information categories that each category of recipient purchased; and
disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Subject to the time period allotted to comply with such requests, where we receive and confirm your verifiable deletion request, we will delete (and direct our service providers, contractors and third parties to whom we sold/shared your personal information, to delete) your personal information from our (their) records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers, contractors and third parties to whom we sold/shared your personal information, to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech rights, ensure the right of another Covered User to exercise their free speech rights or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with Covered User expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Right to Request Correction of Inaccurate Personal or Sensitive Personal Information

You have the right to request correction of inaccurate personal and/or sensitive personal information that we collect. Upon receiving a verifiable consumer request for correction, we will make commercially reasonable efforts to correct information identified as inaccurate. Where we correct inaccurate personal and/or sensitive personal information, we shall instruct all service providers and/or contractors that maintain such personal and/or sensitive personal information in the course of providing services to us to make the necessary corrections in their respective systems.

Exercising Access, Data Portability, Right to Correct and Deletion Rights

To exercise your access, data portability, right to correct and/or deletion rights described above, please submit a verifiable Covered User request to us by either:

https://sweeps.fun-financetips.com/i/pages/privacy-rights-request
Emailing us at: privacynotice@Fun-FinanceTips.com; or
Sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..

Only you or a person that you authorize to act on your behalf, may make a verifiable Covered User request related to your personal information.

The verifiable Covered User request must:

Provide sufficient information that allows us to reasonably verify that you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable Covered User request does not require you to create an account with us. We will only use personal information provided in a verifiable Covered User request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to all verifiable Covered User requests to exercise access, data portability, right to correct and deletion rights within forty-five (45) days of the receipt thereof. If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve (12) month period preceding the receipt of your verifiable request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable Covered User request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Opt-Out Preference Signal Processing

Some browsers and browser extensions support the Global Privacy Control (“GPC”) that can send a signal to the websites you visit indicating your choice to opt-out from certain types of data processing, including data sales. In certain territories, when we detect such a signal, we will make reasonable efforts to respect your choices indicated by the GPC setting as required by applicable law.

Right to Opt-Out of Profiling

You have the right to opt-out from any Profiling that may be conducted by us. For purposes of these Provisions, "Profiling" means any form of automated processing performed on your personal data to evaluate, analyze or predict personal aspects related to you or your economic situation, health, personal preferences, interests, reliability, behavior, location or movements. You have the right to opt-out of this Profiling. To exercise your right to opt-out of this Profiling, please submit a verifiable Covered User request to us by either:

https://sweeps.fun-financetips.com/i/pages/consumer-opt-out
Emailing us at: privacynotice@Fun-FinanceTips.com; or
Sending us U.S. mail to: Universal Family Publishing, LLC. Attn: FunFinanceTips Member Services, 1098 Ann Arbor Rd West PMB 7472, Plymouth, MI 48170..