Collection of your Personal Information
Phroogal may collect personally identifiable information, such as your name. If you purchase Phroogal’s products and services, we collect billing and credit card information. This information is used to complete the purchase transaction. Phroogal may also collect anonymous demographic information, which is not unique to you, such as your age, gender, and household income. We may gather additional personal or non-personal information in the future.
Information about your computer hardware and software may be automatically collected by Phroogal. This information can include your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain the quality of the service, and to provide general statistics regarding use of the Phroogal website.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Phroogal’s public message boards, comments section, reviews, this information may be collected and used by others.
Phroogal encourages you to review the privacy statements of websites you choose to link to from Phroogal so that you can understand how those websites collect, use and share your information. Phroogal is not responsible for the privacy statements or other content on websites outside of the Phroogal website.
Use of your Personal Information
Phroogal collects and uses your personal information to operate its website(s) and deliver the services you have requested.
Phroogal may also use your personally identifiable information to inform you of other products or services available from Phroogal and its affiliates. Phroogal may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
Phroogal does not sell, rent or lease its customer lists to third parties.
Phroogal may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. Phroogal may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Phroogal, and they are required to maintain the confidentiality of your information.
Phroogal may keep track of the websites and pages our users visit within Phroogal, in order to determine what Phroogal services are the most popular. This data is used to deliver customized content and advertising within Phroogal to customers whose behavior indicates that they are interested in a particular subject area.
Phroogal will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Phroogal or the site; (b) protect and defend the rights or property of Phroogal; and, (c) act under exigent circumstances to protect the personal safety of users of Phroogal, or the public.
The Phroogal website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Phroogal pages, or register with Phroogal site or services, a cookie helps Phroogal to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Phroogal website, the information you previously provided can be retrieved, so you can easily use the Phroogal features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Phroogal services or websites you visit.
Security of your Personal Information
Phroogal secures your personal information from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.
Children Under Thirteen
Phroogal does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website. We understand and are committed to respecting the sensitive nature of children’s privacy online. If we learn or have reason to suspect that a Site user is under age 13, we will promptly delete any personal information in that user’s account.
Disconnecting your Phroogal Account from Third Party Websites
You will be able to connect your Phroogal account to third party accounts. BY CONNECTING YOUR PHROOGAL ACCOUNT TO YOUR THIRD PARTY ACCOUNT, YOU ACKNOWLEDGE AND AGREE THAT YOU ARE CONSENTING TO THE CONTINUOUS RELEASE OF INFORMATION ABOUT YOU TO OTHERS (IN ACCORDANCE WITH YOUR PRIVACY SETTINGS ON THOSE THIRD PARTY SITES). IF YOU DO NOT WANT INFORMATION ABOUT YOU, INCLUDING PERSONALLY IDENTIFYING INFORMATION, TO BE SHARED IN THIS MANNER, DO NOT USE THIS FEATURE. You may disconnect your account from a third party account at any time. Users may learn how to disconnect their accounts from third-party websites by visiting their “Settings” page. Users may also contact us via email at email@example.com.
Opt-Out & Unsubscribe
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Phroogal by contacting us here: Email: firstname.lastname@example.org
We are subject to the provisions of the General Data Protection Regulations that protect your personal data. Where we transfer your data to third parties outside of the EEA, we will ensure that certain safeguards are in place to ensure a similar degree of security for your personal data.
We may transfer your personal data to countries that the European Commission have approved as providing an adequate level of protection for personal data; or
If we use US-based providers that are part of EU-US Privacy Shield, we may transfer data to them, as they have equivalent safeguards in place; or
Where we use certain service providers who are established outside of the EEA, we may use specific contracts or codes of conduct or certification mechanisms approved by the European Commission which give personal data the same protection it has in Europe.
If none of the above safeguards is available, we may request your explicit consent to the specific transfer. You will have the right to withdraw this consent at any time.
We have put in place security measures to prevent your personal data from being accidentally lost, used, altered, disclosed, or accessed without authorization. We also allow access to your personal data only to those employees and partners who have a business need to know such data. They will only process your personal data on our instructions and they must keep it confidential.
We have procedures in place to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach if we are legally required to.
We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
When deciding what the correct time is to keep the data for we look at its amount, nature and sensitivity, potential risk of harm from unauthorized use or disclosure, the processing purposes, if these can be achieved by other means and legal requirements.
For tax purposes the law requires us to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for six years after they stop being customers.
In some circumstances we may anonymize your personal data for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
Your Legal Rights
Under data protection laws you have rights in relation to your personal data that include the right to request access, correction, erasure, restriction, transfer, to object to processing, to portability of data and (where the lawful ground of processing is consent) to withdraw consent.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive or refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you.
If you are not happy with any aspect of how we collect and use your data, you have the right to complain to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would be grateful if you would contact us first if you do have a complaint so that we can try to resolve it for you.
Changes to this Statement
P.O. Box 9339
Elizabeth, NJ 07202
Email Address: email@example.com
Telephone number: 650-336-5216
Effective as of July 19, 2013
Updated: May 20, 2018
Hey I am Jason
I'm the founder at phroogal and I want to help you master money and live your best life.
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