Privacy Policy — MoneyAndTimeSaver.com

Effective Date: 09/10/2025
Last Updated: 09/10/2025

1. Scope
   This Privacy Policy explains how MoneyAndTimeSaver.com (“we”, “us”) collects, uses, shares, and protects personal information when you visit moneyandtimesaver.com (the “Site”). It also outlines consumer privacy rights under applicable U.S. state laws.

2. Information We Collect

• Information you provide: name, email, and any data you voluntarily submit via forms.

• Automatically collected information: IP address, browser type, pages visited, time on site, interaction data, cookies/tracking.

• Third-party data: information we may receive from affiliate networks, analytics providers, or partners.

3. How We Use Your Information
   We use information to:

• Operate and improve the Site;

• Track clicks, conversions, and affiliate commissions;

• Prevent fraud or misuse;

• Comply with legal obligations.

4. Affiliate Disclosure
   Articles and content that include affiliate links will include a clear statement that affiliate links are used (e.g. “This content contains affiliate links; I may earn a commission if you purchase through them.”).

5. Sharing of Data
   We do not sell personal information. We share data with service providers, affiliate networks, or analytics providers, only as necessary to run the Site and for the purposes described. Sharing beyond those purposes only with user consent or where required by law.

6. Cookies & Tracking
   We use cookies (essential and non-essential). Non-essential cookies or tracking tools will be used only with user consent where required. You can control or disable cookies via your browser settings or site tools.

7. Consumer Rights
   If you reside in a state with privacy laws (e.g. California), you may have rights to access, correct, delete your personal information, or opt out of certain data sharing. To exercise those rights, contact us at moneyandtimesaver.com@gmail.com. We will respond within legal timeframes required by law.

8. Retention & Security
   We keep data only as long as needed for the purposes listed or to meet legal requirements. We take reasonable security measures (e.g. encryption, secure servers, access controls), though no system is completely secure.

9. Data Breach
   If a data breach occurs that may put individuals at risk, and where required by law, we will take steps to notify affected individuals and relevant authorities.

10. Changes to this Policy
    We will update the “Last Updated” date whenever any change is made. If changes are material (e.g. new ways of using data, new sharing practices, new tracking technologies), we may provide notice as required by law; otherwise, we will post the updated policy on the Site.

11. Contact
    If you have questions or requests about this policy or your data, contact: moneyandtimesaver.com@gmail.com