Thank you for choosing to be part of our community at Frugal Coupon Living (Hereafter, “Website,” “Site,” “Company,” “we,” “us,” “our”). Protecting your personal information is of utmost importance to us. If you have any questions, comments, or concerns after reviewing this Privacy Policy agreement, please contact us at (571) 766-6451 or frugalcouponliving AT gmail DOT com.
If you disagree with any terms in this privacy policy, please discontinue your use of our Sites and services.
This privacy policy applies to all the information collected through your use of our Website and services and other third-party tools. By using our Website and/or services, or by clicking “Agree” or “Accept” to the Terms of Use when this option is explicitly made available to you, you acknowledge, accept and agree to be bound by the Privacy Policy terms and to abide by them.
WHAT INFORMATION DO WE COLLECT?
Personal Information We Collect About You
During your visit and use of our Website and services, we collect certain data that you provide to us when you fill out opt-in forms, contact forms, and surveys, when you purchase products and/or services, and when you enter your information for giveaways and/or competitions.
The personal information that you provide to us can be your name, email address, location, and occupation. Moreover, if you are purchasing products, then you are also providing us with payment and address information. (However, your payment information is not stored in our system because purchases are processed through payment processors.) Therefore, should you have any questions about payment activities and/or information, contact the specific payment processor directly.
In the preceding 12 months, we have collected the following categories and specific types of consumer personal information:
| Categories of Personal Information | Specific Types of Personal Information Collected |
| Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers) | First name, last name, address for purchases, email address, phone number for purchases, IP Address |
| Characteristics of protected classifications under California or federal law such as race, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, marital status, sex, age, or sexual orientation | none |
| Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. | address, telephone number, credit card number for purchases, email address |
| Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies) | purchase history, blog post likes, product likes |
| Biometric information such as fingerprint recognition, facial detection, palm vein scanning, iris recognition, and even voice recognition, etc. | none |
| Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement) | browsing history, search history, interaction with the website including page likes or shares |
| Geolocation data | Google analytics is included on the website for geolocation though not identified by person |
| Audio, electronic, visual, thermal, olfactory, or similar information | none |
| Professional or employment-related information | none |
| Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (FERPA) [According to the U.S. Department of Education, personally identifiable information for education records is a FERPA term referring to identifiable information that is maintained in education records and includes direct identifiers, such as a student’s name or identification number, indirect identifiers, such as a student’s date of birth, or other information which can be used to distinguish or trace an individual’s identity either directly or indirectly through linkages with other information. | none |
| Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes | none
|
| Sensitive Personal Information, for example, social security number, credit card number, date of birth, drivers license number | credit card for purchases |
Third-Party items we collect…
- Google Analytics – this service tracks Website usage and provides information such as referring websites and user actions on the Website. Google Analytics may capture your IP address, but no other personal information is captured by Google Analytics. You may read more about Google’s Privacy Policy.
- ConvertKit – this service is used for delivery of email updates and newsletters. We store your name and email address for purposes of delivering such communications. Purchase history.
- GravityForms – this service is used to connect you with the free item you sign up for via email. Your information is not stored on this platform, but is forwarded directly to the email provider.
- Fast Secure Contact Form – this service collects your name and email for correspondence with myself and you.
- Shopify – Purchase history, items added to the cart, email address, shipping address, phone number, first and last name, credit card, PayPal email, coupon codes used.
- Slickstream – blog post likes, blog post navigation, blog post search.
YOUR RIGHTS UNDER CALIFORNIA CONSUMER PRIVACY ACT (“CCPA”) AS AMENDED BY CALIFORNIA PRIVACY RIGHTS ACT OF 2020 (“CPRA”)
To access a detailed CCPA policy and know your rights refer to the separate CCPA policy linked here where we notify you of your rights and our obligations under the amended CCPA.
OUTSIDE OF THE EUROPEAN UNION (“EU”)
If you are outside of the EU and enter your information to receive a freebie, make a purchase, respond to a survey, register for free training, or participate in a webinar, then we will automatically enroll you to receive our newsletter and updates.
If you do not wish to receive any communications from us, you can opt-out by clicking on the unsubscribe link located at the bottom of the emails.
IN THE EUROPEAN UNION
If you are in the EU and opt to receive a freebie or participate in free training, register for a webinar or live event, or purchase a product, your email address will not be added to the email list to receive our newsletter and updates unless you affirmatively consent to it.
If you change your mind at any point and do not want to receive electronic communication, simply unsubscribe.
If you have trouble unsubscribing by clicking the link at the bottom of the email, simply email us at frugalcouponliving AT gmail DOT com and request to be unsubscribed from future emails.
YOUR RIGHTS UNDER GDPR
As someone who resides in the European Union, you are entitled to exercise certain rights that you are given under the General Data Protection Regulation (GDPR).
Any information or data that you choose to provide us will be kept with Frugal Coupon Living until one of these happens: (1) you ask Frugal Coupon Living to DELETE the information and/or data; (2) Frugal Coupon Living decides to STOP USING the existing data processors, or (3) Frugal Coupon Living decides that the cost of retaining the data outweighs the value in retaining it.
As a consumer and/or visitor on our Site who is located in the European Union region, you have the right to request access to the data that Frugal Coupon Living collected on you and stores it.
You are within your rights to demand to know exactly what data and information Frugal Coupon Living has collected on you. Keep in mind that some parts of this data were provided by you personally, while others were gathered through cookies and pixels.
You have the right to withdraw consent to the data that you previously gave us to collect and process. The right to withdraw consent applies to any future processing of that data. However, any data that has been collected and processed previously based on valid consent is lawful and not subject to liability based on any legal grounds.
You also have the right to request the erasure of your data and all your information from Frugal Coupon Living’s data storage. Once you request that your data be erased from Frugal Coupon Living’s databases, we have thirty (30) days to comply with your request. If it’s impossible to comply within 30 days, then Frugal Coupon Living will respond to the Visitor’s request and let them know about the issue and also give them a reasonable time as to when their request for deletion will be honored.
Aside from rights such as a request to access, request to delete, and rectify, an EU user also has the right to place restrictions on the data processing itself. This means a user can limit certain things that Frugal Coupon Living can and cannot do with their data. You can choose to limit the transfer of your data to third-party businesses (unless it’s essential for Frugal Coupon Living’s basic functions).
You further have the right to file a complaint with a supervisory authority that oversees and handles issues related to the GDPR.
Lastly, it’s Frugal Coupon Living’s duty to inform you that we only require information that is reasonably necessary to enter into a contract with you. We do not collect any unnecessary data, and any information we acquire is used for legitimate business purposes, such as growing and scaling our business or being able to provide satisfactory customer service to you and other users.
Here is a quick table version of all your rights under GDPR.
| Right to Access | The right to be provided with a copy of your personal information (the right of access) |
| Right to Rectification | The right to require us to correct any mistakes in your personal information |
| Right to Deletion/Right to be Forgotten | The right to require us to delete your personal information—in certain situations |
| Right to Restriction of Processing | The right to require us to restrict processing of your personal information—in certain circumstances, e.g. if you contest the accuracy of the data |
| Right to Data Portability | The right to receive the personal information you provided to us, in a structured, commonly used and machine-readable format and/or transmit that data to a third party—in certain situations |
| Right to Object | The right to object:
● at any time to your personal information being processed for direct marketing (including profiling); ● in certain other situations to our continued processing of your personal information, e.g. processing carried out for the purpose of our legitimate interests. |
| Right Not to be Subject to Automated Individual Decision-Making | The right not to be subject to a decision based solely on automated processing (including profiling) that produces legal effects concerning you or similarly significantly affects you |
BRAZILIAN DATA PROTECTION LAW (“LGPD”)
The Brazilian Data Protection Law or the LGPD, which is derived from its Portuguese name. The LGPD is Brazil’s law on online privacy requirements and certain rights and privileges given to data subjects.
Under the LGPD, “processing” is defined as collection, production, reproduction, transmission, receipt, use, classification, filing, storage, control or evaluation of data, deletion, dissemination, extraction, modification, and communication. The LGPD applies to “personal data” that is defined as any information related to an identified or identifiable natural person. Moreover, sensitive data such as political opinion, racial or ethnic origin, religion, health, sex and more as they relate to a natural person.
Under the LGDP, the data subjects are given the following rights relating to their personal data:
- Awareness and confirmation of the existence of data processing;
- Anonymization or pseudonymization or removal of pieces of data that have been collected or processed without compliance with the LGPD;
- Access to personal data;
- Correction of inaccurate data;
- Right to request deletion;
- Portability;
- Right to revocation of consent;
- Right to request disclosure of any third parties with whom personal data is shared;
- Access to the customer policy information and consent revocation terms and conditions.
The data subject has the right to exercise these rights with our business Frugal Coupon Living anytime, free of charge.
As a business, we can only process personal data if there is any legal basis for processing that data. The LGPD provides approximately ten (10) legal basis for processing data. The ten grounds are:
- The data subject gives express consent to process the data.
- Data processing is necessary to comply with a legal obligation.
- Processing is essential to protect the life or physical safety of the data subject or another third party.
- Necessary to execute a contract or contract-related procedures that the data subject is a party to at the request of the data subject.
- Necessary to process to fulfill the legitimate interests of the controller or of the third party, except when the data subject’s fundamental rights prevail.
- Necessary to process in order to protect credit (refers to a credit score).
- You need to process to protect the health in relation to activities of health professionals or health entities.
- Necessary to process to carry out studies by research entities that ensure, when possible, the anonymization of personal data.
- Necessary to process to exercise rights in judicial, arbitration, and administrative procedures.
- Necessary to process to execute public policies provided in laws or regulations or those that are based on contracts, policies, agreements, or similar binding instruments.
Frugal Coupon Living mostly uses legal basis #1 and #5 above, which are that the data subject gives express consent to process the data, and that processing is necessary to fulfill the legitimate interests of the controller or of the third party, except when data subject’s fundamental rights prevail to process personal and sensitive data collected from you.
VIRGINIA CONSUMER DATA PROTECTION ACT (“VCDPA”)
This section of the document supplements the information provided in this privacy policy. It is provided by the controller running the application and its parent, subsidiaries, and affiliates if applicable, who will collectively be referred to as “we,” “us,” or “our”.
The provisions in this section apply to all users who are consumers residing in the Commonwealth of Virginia and are governed by the Virginia Consumer Data Protection Act (VCDPA). If there are any conflicting provisions in the privacy policy, the provisions in this section will supersede them.
The term “personal data” used in this section is defined in the VCDPA as any information that is linked or reasonably linkable to an identified or identifiable natural person. Va. Code Ann. § 59.1-575. Personal data does not include de-identified data or publicly available information.
Categories of Personal Data Processed
We summarize the categories of personal data that we process and their purposes in this section. For detailed information, you can refer to the “Detailed information on the processing of Personal Data” section of the document.
Categories of Personal Data We Collect
The categories of personal data that we have collected include identifiers and internet information such as Names, Last Names, Email Addresses, and Shipping Addresses. We do not collect sensitive data and will not collect additional categories without informing you. Sensitive data includes, but is not limited to, information on racial or ethnic origin, religious beliefs, mental or physical health diagnosis, sexual orientation, and citizenship or immigration status.
Reasons for Processing Personal Data
We will not use your personal data for purposes that are incompatible with those disclosed initially without your consent. You can grant, deny, or withdraw your consent at any time using the contact details provided in the document.
Sharing Your Personal Data With Third Parties
We share your personal data with third parties listed in this privacy policy. These third parties are grouped based on the different purposes of processing. For our purposes, a “third party” refers to a person or entity that is not the consumer, controller, processor, or an affiliate of the processor or the controller, as defined by the VCDPA.
Sale of Your Personal Data
The sale of personal data is defined as any exchange of personal data for monetary consideration by us to a third party, as defined by the VCDPA. Note that disclosing personal data to a processor who processes personal data on behalf of a controller is not considered a sale.
Our use of your personal data may be considered a sale under the VCDPA.
Opting-Out of the Sale Of Your Personal Data
You have the right to opt out of the sale of your personal data. To exercise this right, you can contact us at any time using the contact details provided in this privacy policy.
We will use any personal data collected from you for the sole purpose of complying with your opt-out request.
Processing of Personal Data for Targeted Advertising
We do not process your personal data for targeted advertising. If we decide to do so in the future, we will inform you and give you the right to opt-out.
Privacy Rights Granted Under the Virginia Consumer Data Protection Act (“VCDPA”)
Under the Virginia Consumer Data Protection Act, you have the following rights regarding the processing of your personal data by us:
- The Right to Know: You have the right to know if we are processing your personal data and to access it.
- The Right to Correct:: You have the right to request correction of any inaccurate personal data we maintain about you.
- The Right to Request Deletion: You have the right to request the deletion of your personal data.
- The Right to Portability of Data: We will provide a portable and usable copy of your personal data if it is technically feasible.
- Opt-out of Targeted Advertising, Sale of Personal Data or Profiling: You have the right to opt out of the processing of your personal data for targeted advertising, the sale of personal data, or profiling.
- Non-Discrimination: We will not discriminate against you for exercising your rights under the VCDPA. However, if the personal data or sale is necessary for us to provide goods or services, we may not be able to complete the transaction if you refuse to provide the data or ask us to delete or stop selling it.
How and When We Are Expected to Comply With Your Request
We do our due diligence to respond to all requests as soon as possible, within 45 days of the receipt of the request date. Should we need more time to respond, we will contact you and notify you of our reasons for needing more time and how much time we need. Under the law, we may take up to 90 days to fulfill your request.
We will do so if there are reasonable and lawful grounds for denying your request. You have the right to appeal the denial. Within 60 days of the receipt of the appeal, we will notify you in writing of any action taken or not taken in response to your appeal. If your appeal is denied, you may contact the Attorney General to submit a complaint.
Information Collected Through Third-Party Sources
During the time you visit and use our Site, certain limited data are collected from public databases, marketing partners, social media platforms, and analytics sources.
The types of data collected about you from other sources are your location, your computer system, which pages you have visited on our Site, how long you spend on each page, your IP address, your country, and possibly even your social media profiles and referrals.
Affiliate Program Participation
The Website may engage in affiliate marketing, which is done by embedding tracking links into the Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.
Frugal Coupon Living 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 links to Amazon.com. As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commissions on these sales.
Third-Party Use of Personal Information
We may share your information with third parties when you explicitly authorize us to share your information.
Additionally, the Website may use third-party service providers service various aspects of the Website. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies. The Website currently uses the following third-party service providers:
- Google Analytics – this service tracks Website usage and provides information such as referring websites and user actions on the Website. Google Analytics may capture your IP address, but no other personal information is captured by Google Analytics. You may read more about Google’s Privacy Policy.
- GravityForms – this service is used to connect you with the free item you sign up for via email. Your information is not stored on this platform, but is forwarded directly to the email provider.
- Optin Monster – this service collects your name and email for correspondence with myself and you.
- Akismet Anti-Spam Detection – This service tracks malicious comments and prevents spam from being posted on our website.
- Social Warfare – This plugin maximizes social shares and tracks social share counts across all platforms and users.
Advertising
This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. To learn more about CafeMedia’s data usage, click here: www.cafemedia.com/publisher-advertising-privacy-policy
CHILDREN’S PRIVACY AND DATA
This Website is not intended for children under the age of 13. We and this Website do not knowingly and intentionally collect any personally identifiable information from children under the age of 13. If you are under 13 years of age, please do not use or provide any information on this Website. Do not use any third parties that might have links present on this Website. Do not provide your name, address, phone number or any payment information.
If a parent or guardian believes that this Website unknowingly collected personally identifiable information from a child under the age of 13 in its database, please contact us at once at frugalcouponliving AT gmail DOT com, and we will do our best to immediately remove any and all such information from our database.
HOW DO WE USE THE INFORMATION WE COLLECT FROM YOU?
Information Collected from You
We use the information we collect from you to send you targeted marketing and promotional communications. If at any time you indicated an interest in a particular field related to our Site, then we and/or our third-party marketing partners may use this relevant information to send you additional communication regarding similar products/services.
If you do not want to receive any marketing and/or promotional communication, you can opt-out at any time by UNSUBSCRIBING from either a particular list or topic or from all the emails coming from us by clicking on the unsubscribe button located at the bottom of every email you receive.
Information Collected from Third-Party Apps and Tools
Any information collected from third-party tools is used for statistical and analytical purposes and for evaluating and making improvements to our Site. This automatically collected information will not include personal information data.
Affiliate Program Participation
The Website may engage in affiliate marketing, which is done by embedding tracking links into the Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.
Frugal Coupon Living 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 links to Amazon.com. As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commissions on these sales.
Third-Party Use of Personal Information
We may share your information with third parties when you explicitly authorize us to share your information.
Additionally, the Website may use third-party service providers service various aspects of the Website. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies. The Website currently uses the following third-party service providers:
- Google Analytics – this service tracks Website usage and provides information such as referring websites and user actions on the Website. Google Analytics may capture your IP address, but no other personal information is captured by Google Analytics. You may read more about Google’s Privacy Policy.
- GravityForms – this service is used to connect you with the free item you sign up for via email. Your information is not stored on this platform, but is forwarded directly to the email provider.
- Optin Monster – this service collects your name and email for correspondence with myself and you.
- Akismet Anti-Spam Detection – This service tracks malicious comments and prevents spam from being posted on our website.
- Social Warfare – This plugin maximizes social shares and tracks social share counts across all platforms and users.
Advertising
This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. To learn more about CafeMedia’s data usage, click here: www.cafemedia.com/publisher-advertising-privacy-policy
WILL WE SHARE YOUR INFORMATION WITH ANYONE?
We respect your privacy and the value of your information. We do not share, disclose, sell, lease, or rent your information to anyone or any third party without your express consent.
Only under limited circumstances will necessary information be shared with third parties. Here are the situations in which we will share your information:
- You gave us express consent to do so;
- You entered into a contract for recurring payments—for this reason, your information will be processed on an as-needed basis to uphold the agreement;
- Performance of a contract—if you are obligated to pay or perform an action, and you fail, we reserve the right to share necessary information with a third-party company, such as a collection agency or an attorney; and
- Mandated by law—if legal proceedings are initiated, and there is a subpoena (unlikely, but better to be prepared than surprised).
WE MAY USE COOKIES AND OTHER TRACKING TECHNOLOGIES
We may use cookies and other tracking technologies, such as pixels, to collect data on advertisements, website use, and information retention.
You can read more about this in our Cookie Policy. Know that by agreeing to our Privacy Policy, you are also agreeing to our Cookie Policy.
Most browsers are set up to accept cookies, but you can usually change your browser settings to refuse them. If you disable cookies, your browser may experience some erratic behavior on some portions of the Site.
Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:
(a) https://support.google.com/chrome/answer/95647?hl=en (Chrome);
(b) https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences(Firefox);
(c) http://www.opera.com/help/tutorials/security/cookies/ (Opera);
(d) https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
(e) https://support.apple.com/kb/PH21411 (Safari); and
(f) https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).
Please note that blocking cookies may have a negative impact on the functions of many websites, including our Site. Some features of the Site may cease to be available to you.
EMAIL COMMUNICATIONS & POLICIES
If you decide to contact us through email, we reserve the right to retain the content of your email messages, your email address, and our responses.
Your privacy is important to us. Therefore, your email address will never be shared, sold, or leased to any third-party members.
In compliance with the CAN-SPAM Act, any and all communications sent from our Company or Website will clearly state who the email is from, who the email is for, and how to contact the sender.
Furthermore, should you wish not to receive any more emails, you can click on the “Unsubscribe” link located at the bottom of the email.
Newsletter Sponsorships
We engage others to serve newsletter advertisements and perform related services across the web and in mobile applications. You can learn more about interest-based ads, or opt out of having your web browsing information used for behavioral advertising purposes by companies that participate in the Digital Advertising Alliance, by visiting www.aboutads.info/choices.
Opting Out of Targeted Advertising, Sharing, and Sales.
We process personal information to understand and improve your experience with our Services and to serve you targeted advertisements. Some of these activities may be considered “sales” or “sharing” of your personal information or “targeted advertising” under certain privacy laws. To opt out of preference-based advertising, use the form linked below. Note, this will not stop you from seeing sponsorships or advertisements in our newsletters, but those ads will be selected randomly rather than based on your known preferences.
https://convertk.it/opt-out-preference-based#newsletter_source=frugalcouponliving.com
Contact Us
If you have any questions, concerns, or comments regarding our Privacy Policy, please feel free to reach out to us:
Frugal Coupon Living
PO Box 6952
Falls Church, VA 22040
Email Address:
Frugalcouponliving at gmail dot com
Changes to the Privacy Policy
We may change this Privacy Policy from time to time. The most recent version of the Privacy Policy will always be posted on the Site, with the “Effective Date” posted at the bottom of the Policy. We may revise and update this Privacy Policy if our practices change, as technology changes, or as we add new services or change existing ones. If we make any material changes to our Privacy Policy or how we handle your personal information, or we are going to use any personal information in a manner that is materially different from that stated in our Privacy Policy at the time we collected such information, we will give you a reasonable opportunity to consent to the change. If you do not consent, your personal information will be used as agreed to under the terms of the privacy policy in effect at the time we obtained that information. By using our Site or services after the Effective Date, you are deemed to consent to our then-current privacy policy. We will use information previously obtained in accordance with the Privacy Policy in effect when the information was obtained from you.
If you disagree with any terms in this privacy policy, please discontinue your use of our Sites and services.
Please also see Frugal Coupon Living’ s Disclosure Policy and California Consumer Privacy Act (CCPA) Policy.
Effective Date December 1, 2008.
Policy Updated November 2, 2023.
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