BeginABudget.com’s Privacy Statement
Begin A Budget.com (“BAB” and “we”) created this Privacy Statement to demonstrate our firm commitment to privacy. The following policy discloses BAB’s information collecting, use, and disclosure practices for our Web site. Our employees are required to follow our privacy policies. Those employees who violate our privacy policies are subject to disciplinary measures up to and including termination.
We reserve the right to revise our Privacy Statement at any time at our discretion. Changes to our Privacy Statement will become effective upon posting to our Web site. We will endeavor to notify current registered users of our services or changes in our Privacy Statement by sending an e-mail to their last known e-mail address. Changes with respect to current registered users will become effective upon transmission of the e-mail notifying them of such statement.
If you have any questions regarding our Privacy Statement and policies or your dealings with our Web site, please contact us as follows:
Information Collection and Usage
Like many Internet web sites, we collect different types of information in connection with the rendering of our services and the administration of our web site. We will not voluntarily disclose or sell any information we gather about you (“Personal Information”) to third parties for solicitation or other reasons unless you consent, and except as otherwise provided below.
We may from time to time approach you regarding product, service, and other information, or offers which we feel, based on your Personal Information, may be of interest to you. If you do not wish to receive such information, you can contact us in the manner provided above. In addition, Personal Information may be released to third parties:
- If we are required by law to comply with a legal requirement, such as a law, regulation, search warrant, subpoena, or court order;
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If release of such information is required in connection with the maintenance and administration or our site;
- In the very rare circumstance in which we believe in good faith there is a threat to the physical security of you or others. Although it is BAB’s policy to attempt to require our third parties to whom we provide Personal Information to comply with our privacy policies, we cannot guarantee their compliance.
Our additional practices and policies with respect to our collection and usage practices are addressed as follows.
Registration and Use of Web Site
Registration is required in order to use the budget tools at BeginABudget.com web site. All users who request services through our site must provide certain information when registering. Our web site may require users to give us contact information (such as their name and e-mail address), unique identifiers (such as their social security number), financial information (such as their account or credit card numbers), and demographic information (such as their zip code, age, or income level). At a minimum, users must provide their first name, last name, and email address.
Sale/Rent of Personal Information
Your Personal Information (eg. Name, social security number, income, age, address, phone number, e-mail address, etc.) may be sold or rented to a third party such as a financial lending institution. BeginABudget.com has no affiliation or ownership interest in any of the companies that we may sell or rent your information to.
Outside Ad Company
We may use an outside advertising or marketing company to display ads on our site. These ads may contain cookies. While we use cookies in other parts of our Web site, cookies received with banner ads are collected by our marketing company, and we do not have access to this information. (For more information on our use of cookies, see the “Cookies” section below.) In addition, our site may contain links to other web sites. We do not endorse and are not responsible for the content of third-party web sites accessed through our site or for any privacy practices with respect to such sites.
Public Forums
Our web site may contain chat rooms, forums, message boards, or news groups available to Users. Please remember that any information that is disclosed in these areas becomes public information, and that you should exercise caution when deciding to disclose your Personal Information. Representation information should not be disclosed in public forums.
Usage Tracking
Our web site automatically tracks certain information from users. This information includes the URL that the User came from, what browser the User is using, and the User’s IP address. Many web sites automatically collect this information. We gather and use such information to help diagnose problems with our server and to administer our web site.
Cookies
We may use cookies on certain pages of our service. Cookies are small pieces of information that your Web browser places on your computer’s hard drive. Cookies can help us personalize our Web site and provide information that is targeted to the interests of individual Users (so you don’t see the same advertisements repeatedly). We may use cookies to deliver content specific to your interests, to save your password so you don’t have to reenter it each time you visit our site, and for other purposes.
Most Web browsers automatically accept cookies, but you can change this feature in your browser. The user is always free to decline our cookies if his or her browser permits, although in that case the service may be largely unusable.
Correspondence
If a User sends us personal correspondence, such as e-mails or letters, we may collect such information into a file specific to that User.
Correspondence
Due to the existing regulatory environment, we cannot ensure that all of a user’s private communications and other Personal Information will never be disclosed in ways not otherwise described in this Privacy Statement. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances, or third parties may unlawfully intercept or access transmissions or private communications. Further, we can (and you authorize us to) disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate. Therefore, although we believe we use industry standard practices to protect our Users’ privacy, we do not promise that their personally identifiable information or private communications can remain private.
Choice to Opt Out
Users have the opportunity to opt out of giving consent for BeginABudget.com to sell/rent your Personal Information to third parties. If at any time you wish to opt out of the consent to sell/rent your Personal Information, please contact us in the manner provided above. You may also partially opt out. If you consent to your Personal Information being sold/rented excluding your social security number, please contact us in the manner provided above and inform us of your wishes.
Users also have the opportunity to opt out of receiving any other future e-mails regarding announcements, new-feature notifications, and special offers from BeginABudget.com. Users can, at any time, opt out of receiving other future e-mails by contacting us in the manner provided above.
Corrections and Updates
Each User has the option to correct or change his or her registration profile by reregistering on the Web site or e-mailing us at
feedback@BeginABudget.com.
Corrections and Updates
We are aware of Internet User concerns about the privacy of their information. Our Web site has security measures in place to protect the loss, misuse, and alteration of the information under our control. User information is stored on servers protected by firewall, system-level, and database-level security.
Only those employees of BeginABudget.com who require access to data concerning Users are granted access to the data. Access to user data by employees is further limited by being solely available through a dedicated administrative interface and through use of a restricted user ID and password. In addition, every employee of BeginABudget.com is required to sign BeginABudget.com’s standard Nondisclosure and Developments Agreement that requires employees to keep user data confidential. BeginABudget.com’s internal Web security policies are reviewed and revised on a regular basis.
Your Consent
Users consent to the collection and use of their information as described herein. Users will be notified by e-mail in the event of any fundamental changes to the uses of information that are described herein.
Data Quality and Access
In accordance with the Fair Information Practices defined by the U.S. government, BeginABudget.com encourages users to correct any inaccuracies in personal information that has been previously provided to the Web site. You may correct or update your information by sending an e-mail to
feedback@BeginABudget.com.
Feedback
Users may provide feedback (e.g., input and suggestions) to BeginABudget.com regarding the BeginABudget.com Web site. Users providing feedback must provide their name and e-mail address. Any contact information entered when providing feedback will only be used to acknowledge or respond to that feedback. Users are encouraged to provide their input and suggestions by sending an e-mail to
feedback@BeginABudget.com.