Privacy Policy

Introduction

SavingsClub ("we," "us," "our") respects your privacy and is committed to protecting any personal information you may provide while using our website at savingsclub.com ("Website"). This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information.

Information We Collect

Information You Provide Directly

We may collect information that you voluntarily provide, including:

• Email address (if you subscribe to our newsletter or contact us)
• Name (if provided through contact forms)
• Any information you include in messages sent to us

Information Collected Automatically

When you visit our Website, we may automatically collect certain technical information, including:

• IP address
• Browser type and version
• Operating system
• Device type (desktop, mobile, tablet)
• Pages visited and time spent on each page
• Referring website or URL
• Geographic location (city/state level, not precise location)
• Date and time of your visit

Calculator Data

Financial information you enter into our calculators (income, savings amounts, debt balances, etc.) is processed entirely within your web browser. This data is not transmitted to our servers, stored in our databases, or accessible to SavingsClub in any way. Your calculator inputs remain completely private on your device.

How We Use Your Information

We use the information we collect for the following purposes:

• To operate and maintain the Website
• To improve our Website, content, and user experience
• To respond to your inquiries and communications
• To send newsletters or updates (only if you explicitly opted in)
• To analyze Website traffic and usage patterns
• To detect and prevent technical issues or security threats
• To comply with legal obligations

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Website. For detailed information about our cookie practices, please review our Cookie Policy.

Third-Party Services

We may use the following third-party services that collect information:

• Google Analytics: We use Google Analytics to analyze Website traffic and usage. Google Analytics may collect information about your visits through cookies. You can opt out by installing the Google Analytics Opt-Out Browser Add-on.
• Affiliate Networks: When you click on affiliate links, our affiliate partners (such as CJ Affiliate and Impact.com) may place cookies on your device to track referrals. These cookies are governed by the respective affiliate network's privacy policies.
• Netlify: Our Website is hosted on Netlify, which may collect server logs including IP addresses for security and performance purposes.

Sharing of Information

We do not sell, trade, or rent your personal information to third parties. We may share information in the following limited circumstances:

• With service providers who assist in operating our Website (hosting, analytics), under contractual obligations to protect your information
• When required by law, court order, or governmental request
• To protect the rights, property, or safety of SavingsClub, our users, or the public
• In connection with a merger, acquisition, or sale of assets (with notice to affected users)

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect the information we collect. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

Your Rights and Choices

California Residents (CCPA)

If you are a California resident, you have the right to: (a) know what personal information we collect about you; (b) request deletion of your personal information; (c) opt out of the sale of personal information (we do not sell personal information); and (d) not be discriminated against for exercising your rights. To exercise these rights, contact us at [email protected].

European Users (GDPR)

If you are located in the European Economic Area, you have additional rights including: (a) right of access; (b) right to rectification; (c) right to erasure; (d) right to restrict processing; (e) right to data portability; and (f) right to object. To exercise these rights, contact us at [email protected].

Opt-Out Options

You may opt out of receiving marketing emails by clicking the "unsubscribe" link in any email or contacting us directly. You may also disable cookies through your browser settings, though this may affect Website functionality.

Children's Privacy

Our Website is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will promptly delete that information.

Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be indicated by updating the "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.

Contact Us

For questions or concerns about this Privacy Policy, or to exercise your privacy rights, please contact us at:

• Email: [email protected]
• Website: savingsclub.com/contact