Privacy Policy, Terms of Service and Conditions of Use

by Millionaire Mommy Next Door

© 2007-2010 Jen Smith, Millionaire Mommy Next Door, www.MillionaireMommyNextDoor.com, MMND LLC:

No content may be reproduced without prior written permission. If you elect to sign up for RSS feeds via reader or email, you will receive new posts as they are published to this blog automatically. We request that full RSS feeds be used for personal, non-commercial use only. Please ask for permission before republishing full RSS feed(s) on other websites. If we grant you permission to republish our feed, you must keep all links attached and attribute this web site as the original source.

The contents of this blog are provided for informational and entertainment purposes only and should not be construed as advice:

This is a blog about Jen Smith’s personal financial journey. Jen shares her ideas, opinions, and experiences about certain topics, but she is not a personal finance professional, adviser or expert. Jen does not represent nor is she affiliated with any investment company or financial product. While all information shared is believed to be accurate and reliable, the owners/operators /contributors of this website specifically disclaim all warranties, express, implied or statutory, regarding the accuracy, timeliness, and/or completeness of the information contained herein. Educate yourself before making any personal finance decisions and/or consult a qualified personal finance professional before you consider any changes in your personal finance behavior. Please read the remainder of the Terms and Conditions of Use, below.

Privacy Policy

At www.MillionaireMommyNextDoor.com, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you visit www.MillionaireMommyNextDoor.com and how we safeguard your information. We never sell your personal information to third parties. The following policies do not apply to the practices of companies or individuals that www.MillionaireMommyNextDoor.com does not own or control, or to people that www.MillionaireMommyNextDoor.com does not employ.

Non-Personally Identifiable Consumer Information:

As with most other websites, we collect and use the data contained in log files. www.MillionaireMommyNextDoor.com collects various types of information from you to better meet your needs and to provide you with a more relevant user experience. The non-personally identifiable information that www.MillionaireMommyNextDoor.com collects may be used for marketing and sales efforts to better target advertisements and other content in an effort to create a more personally relevant experience. The information is also used to predict responses to advertisements and to help determine which ads perform best and which content is most appropriate for different individuals. The type of information your browser or Internet session may automatically provide us with can include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site, the URL you saw just before coming to our site, the URL of the page you visited upon leaving our site and which pages you visited throughout our site.

Some of this information is collected automatically through cookies (a small text file placed on your computer) or other Internet tracking technologies. Cookies are used to store information such as your personal preferences when you visit our site. Your non-personally identifiable data may be shared with third-party partners of www.MillionaireMommyNextDoor.com on an anonymous basis. www.MillionaireMommyNextDoor.com may contract with reputable third-party advertising companies to serve ads on our behalf. These companies may also use cookies or other measures to collect your non-personally identifiable information. Some may use cookies and web beacons which will send advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP, the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites). You can chose to disable or turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

Personally Identifiable Consumer Information:

In addition, www.MillionaireMommyNextDoor.com may collect information that you may choose to provide to us when requesting additional information from us or from one or more of our clients. Examples of personally identifiable data that you may provide to us include name, address, and email address. If you provide personally identifiable data to us, you may later elect to have your information deleted from our files, or kept from being used for purposes other than for the service requested, by following the opt-out procedures set forth below.

Information you share with www.MillionaireMommyNextDoor.com via commenting will not be sold, traded, bartered or given away. We may, at our discretion, use the information you have provided to reply directly to you.

If you elect to provide www.MillionaireMommyNextDoor.com with personally identifiable information, we may utilize such information for marketing purposes and this use may result in follow-up communications from www.MillionaireMommyNextDoor.com and from our clients. This information may be combined with information collected from other sources to assist with targeting ads to your preferences and behaviors and for other www.MillionaireMommyNextDoor.com sales and marketing efforts.

When you request information from www.MillionaireMommyNextDoor.com or one or more of our clients, we may transfer that information within www.MillionaireMommyNextDoor.com or route your information to our client(s), across borders and from your country or jurisdiction to other countries or jurisdictions around the world so that they may provide the information on their product or service that you requested. We may also disclose information to a third party who provides substantially similar services as the original service about which you requested more information. In such situations, we will provide you with an opportunity to opt-out of such sharing. Please be aware that www.MillionaireMommyNextDoor.com is very careful in choosing companies with whom it does business.

In addition to the above situations where your information may be shared with others, there is also the possibility that www.MillionaireMommyNextDoor.com, or part(s) of the company, may one day be purchased by, or merged with, another company. In the event of such transaction, the acquiring (or merging) company will have access to all collected personally identifiable information.

You may choose whether or not to provide personally identifiable information to www.MillionaireMommyNextDoor.com. If you choose to provide such information to www.MillionaireMommyNextDoor.com, you have the right to tell us not to make some of the uses of such information described herein or may have such information deleted in its entirety. If you no longer wish to receive our post feeds, newsletters, surveys or promotional communications via email, you may opt-out by clicking here and following the instructions to unsubscribe. To have your personal information completely removed from our databases, simply contact us at Jen (at) MillionaireMommyNextDoor (dot) com and provide the name of the service for which information was provided, your full name, mailing address, phone number and email address so that we may identify you in the opt-out process. Once we receive your instruction, we will promptly take corrective action.

www.MillionaireMommyNextDoor.com may share your information as necessary to comply with a court order or to cooperate with government and law enforcement officials.

Wherever your personally identifiable information may be held within www.MillionaireMommyNextDoor.com or on its behalf, we intend to take reasonable and appropriate steps to protect the information you shared with us from unauthorized access or disclosure. Please note that while www.MillionaireMommyNextDoor.com will make every reasonable effort to protect your information, no transmission of data over the Internet is 100% secure.

To the extent that you do provide us with personally identifiable information, www.MillionaireMommyNextDoor.com wishes to maintain the accuracy of this information. Where we collect personally identifiable information from you on the Web, our goal is to provide a means of contacting www.MillionaireMommyNextDoor.com should you need to update or correct that information. If for any reason those means are unavailable or inaccessible, you may send updates and corrections about your personally identifiable information to Jen (at) MillionaireMommyNextDoor (dot) com and we will make reasonable efforts to incorporate the changes in the information that we hold as soon as practicable.

In compliance with the Children’s Online Privacy Protection Act (COPPA), www.MillionaireMommyNextDoor.com is not structured to attract children. Accordingly, we do not intend to collect personally identifiable information from anyone we know to be under 13 years of age.

Protecting privacy online is an evolving area. If you have any comments or questions regarding our Online Privacy Policy, please contact us at Jen (at) MillionaireMommyNextDoor (dot) com. While we cannot guarantee privacy perfection, we will address any issue to the best of our abilities as soon as practicable after you bring it to our attention.

Your Consent:

By using this web site, you consent to the terms of our Online Privacy Policy and to www.MillionaireMommyNextDoor.com’s processing of personally identifiable information for the purposes given above. Should the Online Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time and by amending this privacy policy.

Terms of Service and Conditions of Use


PLEASE READ THESE TERMS OF SERVICE. BY USING WWW.MILLIONAIREMOMMYNEXTDOOR.COM, YOU AGREE TO ABIDE BY THIS AGREEMENT.

Acceptance of and Modification to this Agreement:

The owners and operators of www.MillionaireMommyNextDoor.com (“we” or “us”) provide the service at www.MillionaireMommyNextDoor.com (the “Service”) subject to these terms and conditions. By using the Service, you agree to be bound by these terms and conditions (the “Agreement”). We reserve the right to modify this Agreement at any time. Any such modifications shall be effective upon posting on this website. To use the Services, you must be of legal age to enter into a binding contract and not be prohibited from using the Services by the laws of the jurisdiction from which you access the Services.

NOTICE REGARDING INFORMATION ON THE SITE:

The contents of this Site are provided for informational and entertainment purposes only and should not be construed as advice. While the information shared on this Site is believed to be accurate and reliable, the owners/operators of this website specifically disclaim all warranties, express, implied or statutory, regarding the accuracy, timeliness, and/or completeness of the information contained herein. Because the terms of third-party offers referenced on this website are subject to change without notice, visitors are encouraged to independently verify the terms of any such offers prior to participating in them. Because this website is intended to provide general information only, you should discuss your specific needs with a qualified professional. The Site and the content contained thereon are provided on an “as is” basis.

Modification to or Termination of Services:

You acknowledge and agree that we may modify or terminate the Services and any of its features at any time or terminate your access to them without notice to you. You acknowledge and agree that we shall not be liable to you or any third party as a result of any such modification or termination. You may discontinue use of the Service at any time without notice to us.

Privacy Policy:

Registration data, if any, and other information about you is subject to the Privacy Policy. The Privacy Policy can be found on this page, above. By using the Service, you consent to the collection and use of this information in accordance with the Privacy Policy.

The Service:

The Service is designed to help you locate news and information that may be of interest to you and to help you locate products, services, and suppliers that may be of interest to you. We own and retain all intellectual property rights in the Service. While we are not required to screen content accessible through links on the Service, we reserve the right to do so and to remove any such links at any time. You acknowledge and agree that we are not responsible for any third party content and that you must evaluate any such third party content and bear all risks associated with any use of the content, including any reliance on the accuracy or completeness of the information.

Use of the Services:

You may use the Services for your individual personal use and you agree that you will not reproduce, duplicate, copy, sell, trade or otherwise exploit the Services for any commercial purpose. You agree to access the Service through the interface provided by this website and that you will not use a robot or any other process to monitor or copy the Services.

Content You Submit:

By posting or submitting content on or to the Service (regardless of the form or medium with respect to such content, whether text, videos, photographs, audio or otherwise), you grant us and our affiliates, agents and third party contractors a perpetual, irrevocable, worldwide, royalty free, and non-exclusive license to reproduce, adapt, modify, translate, display, publish, publicly perform, publicly display and distribute any content you submit, post or display through the Services. You shall be solely responsible for your own submissions and the consequences of posting or publishing them. In connection with each of your submissions, you affirm, represent, and/or warrant that you own or have the necessary licenses, rights, consents, and permissions to grant the above license to us. You agree that you will not: (i) submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant us all of the rights granted herein; (ii) publish falsehoods or misrepresentations that could damage us or any third party; (iii) submit material that is unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; or (iv) unless you have received our prior express written consent, post advertisements or solicitations of business. We reserve the right to remove or not publish submissions without prior notice.

Copyright:

If you are a copyright owner or agent thereof and believe that user content infringes upon your copyright, please submit notice, pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512(c)) to our Copyright Agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright; (ii) a description of the copyrighted work that you claim has been infringed; (iii) the URL of the location containing the material that you claim is infringing; (iv) your address, telephone number, and email address; (v) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (vi) a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. Our Copyright Agent can be reached by email: Jen (at) MillionaireMommyNextDoor (dot) com.

Disclaimers:

ALL CONTENT AND SERVICES PROVIDED ON OR THROUGH THIS SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON INFRINGEMENT. NEITHER WE, OUR AFFILIATES AND RELATED ENTITIES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THOSE EXCLUSIONS MAY NOT APPLY TO YOU.

Limit of Liability:

IN NO EVENT SHALL WE, OR OUR DIRECTORS, OFFICERS, PARTNERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS, THIRD PARTY LICENSORS, AFFILIATES, SUCCESSORS OR ASSIGNS (“THE WEBSITE PARTIES”) BE LIABLE TO YOU FOR YOUR ACCESSING OF THIS SITE OR UNDER OR RELATED TO THIS AGREEMENT FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, RELIANCE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, LOSS OF EXPECTED SAVINGS, OR ANY OTHER NON-DIRECT DAMAGES HOWSOEVER CAUSED WHETHER OR NOT WE OR ANY OF THE WEBSITE PARTIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND THEIR COLLECTIVE MAXIMUM LIABILITY TO YOU UNDER OR RELATED TO THIS AGREEMENT SHALL IN NO EVENT EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE SERVICES, IF ANY. THE LIMITATIONS OF LIABILITY AND DISCLAIMERS IN THIS AGREEMENT SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE OR OTHER TORT AND SHALL SURVIVE A FUNDAMENTAL BREACH OR BREACHES OR THE FAILURE OF THE ESSENTIAL PURPOSE OF CONTRACT OR THE FAILURE OF AN EXCLUSIVE REMEDY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE WEBSITE PARTIES’ LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

Indemnity:

You agree to defend, indemnify and hold us harmless and our directors, officers, partners, employees, representatives, contractors, affiliates, successors or assigns, including all third parties mentioned at this Site, from and against any and all claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of this Site and the content thereon or your breach of these Terms of Service or in connection with your use of the Services.

Choice of law:

These Terms of Service shall be governed by and construed under the laws of the State of Colorado without giving effect to its conflict of laws principles. You and we hereby submit to the exclusive forum, jurisdiction and venue of the state courts located in Larimer County, Colorado for any claim related to, arising from or in connection with these Terms of Service and/or your use of the Service.

Statute of Limitations:

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Contacting Us:

For more information, or if you have questions or concerns regarding www.MillionaireMommyNextDoor.com’s Privacy Policy or Terms of Service and Conditions of Use, you may email us at Jen (at) MillionaireMommyNextDoor (dot) com.