Thoughts and Riches

.....a blog about personal finance, motivational stories, deals, and special offers

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Friday, December 08, 2006
Disclaimer, Privacy Policy, and Disclosure

This content on this site expresses my own, my spouse's, my partners' and contributors' personal views and is not meant as a professional advice. We are not rendering any financial, accounting, tax, legal, or any other advice. We do not guarantee the accuracy or the completeness of the information provided on this site. We are not your financial advisor nor endorse any advertisements that may appear on this site. You are responsible for your own financial decisions. You should consult with appropriate attorney, accountant or other appropriate advisors on all matter related to financial, tax, accounting, legal or other obligations and requirements. We make absolutely no warranties, promises or guarantees of any kind and disclaim any liability, loss or damage that may occur to you directly or indirectly based on the information provided on this site.


Last updated: May 24, 2018

Protecting your private information is our priority. This Privacy Policy governs our site ( and describes the type of personal data (PD) and non-personal data (NPD) we may collect, as well as how we may use, share, and protect that information. By using, accessing, or purchasing any products/services directly and/or the links on this site, you agree to the terms of this Privacy Policy. Any questions regarding this policy should be directed by email to


"Personal data" or PD refers to any information that relates to you, and which, alone or in combination with other information, could reasonably be used to identify you.

"Non-personal data" or NPD is information refers to the information that is in not personally identifiable.

Collection and Use of Information

The type and amount of information we gather depends upon your use of this site and/or the type of information you choose to disclose. We may collect the following information from you:

Personal Information

We do not sell your personal data (PD). We generally do not require your personal data , such as name, email address, phone number, and so forth, for the access of this site. Any personal information you provide to us through various mechanisms, such as through correspondence, e-mails, website comments, website opt-in forms, and other means of communication is voluntary. Such personal information may include your name, email and postal addresses, phone number, and other information which you voluntarily provide to us. However, know that we do not sell your personal data.

Analytics-related information related to your site usage

We may use outside services such Google Analytics to gather data about our site visitors. When visiting this site, know that your IP address-related information may be stored, including information about your computer, your IP address, browser type, geographical location, your Internet service provider’s name, your web browser type, the type of mobile device, your computer operating system, referring website addresses, domain names, access times, length of visit, number of page views, and so forth. We may use this information to analyze user trends and in the administration of this site, including updating the site's usability, and providing better service, updates, marketing communications, and other information. You should be aware that collecting such IP address-related information does not lead to personally identifying information.

Miscellaneous Information

Sometimes, we may need other information from you as that information may be necessary for us to provide a particular product/service, and our ability to deliver the product/service to you may be affected by your not providing certain information. For example, we may periodically obtain other information from you such as when you claim an award/prize for a giveaway/contest or other promotion run on the site, or when you request assistance from us, or when you voluntarily subscribe to any of our service or newsletter. Providing such information is voluntary and if provided, this information is not sold to third-parties.

Affiliate/Third-Party Links

This site contains affiliate and third-party links. These affiliates and third-party ad servers/ad networks may use cookies, web beacons, and other related/similar technologies to track the activities of users on this site to evaluate advertisement effectiveness and other purposes.

Cookies may be installed on your machine when you visit this site or when you visit third-party sites or advertisers by clicking links on this site. A cookie is a small text file containing information about the user that is placed by a site on the user's computer or mobile device. The text contained in the cookie generally consists of a sequence of numbers and letters that uniquely identifies your computer or mobile device. It may also contain other information.

By visiting this site, you are agreeing to give us, our affiliates, and other third-parties we partner with, the permission to place, store, and access cookies on your computer.

We do not have access or control over these cookies and other related technologies that may be used by these affiliates and third-party advertisers. We are not responsible for the privacy statements or other content on sites outside of this site. We will not be liable for any damages that may result from the misuse of your personal information by these companies. This site's privacy policy does not apply to such affiliates and third-party ad servers/ad networks. You should consult the respective privacy policies of these affiliates and third-party ad servers for more detailed information on their practices as well as for instructions about how to opt out of certain practices. If you wish to disable cookies, you may do so through your individual browser options.

Additionally, the third-party advertising companies used to serve ads on this site may use aggregated information (non-personal data) about your visits to this and other sites so as to provide advertisements about goods and services that may be relevant to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here.

Children's privacy protection

The Child Online Privacy and Protection Act (COPPA) regulates online collection of information from persons under the age of 13. The product/services on this site are not directed to, and we do not knowingly contact or collect personal information from individuals under the age of 18. If you are under the age of 18, please do not supply any personally identifiable information through the site.

Privacy Notice Changes

We reserve the right to modify this privacy notice at any time without any prior notice as we add new features and services, as laws change, and as industry privacy and security best practices evolve. If we make any material change to this Privacy Notes, we will post those changes on this site. Changes will apply to information collected after the change is effective. Please check this Privacy Policy periodically for changes. Your continued use of our site, services, and products after any change to this privacy notice will constitute your acceptance of such change.

Control of Personal Information and Questions about the Privacy Policy

Any personal information provided to or gathered by the site is controlled by Webmaster, Thoughts and Riches. For any questions related to our privacy policy, please email us at


This site, including blog posts, may contain reviews, links, banners, text and other forms of advertisements for products, services, courses, and so forth of companies of which we may be an affiliate member or for which we may get paid for referrals. This site may also contain blog posts for which we are paid, as well as blog posts regarding products or services of companies from which we may have received complimentary products or services.
posted by Ruby @ 7:17 AM  
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