Last updated May 2021.
- Collection of Information.
1.1 Survey Information.
Saving For Today collect’s information from individuals by various methods, including, but not limited to, when an individual voluntarily completes a Saving For Today survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by third parties (collectively, a “Survey”). (As used herein, “online” means using the Internet, including the Website, and related technologies, and “offline” means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, Saving For Today or a third party (a “Third Party”) may ask an individual to provide various information to Saving For Today , which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), SMS messaging details (e.g. date, time and content of the SMS message), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, “Survey Information”). Saving For Today may also collect information concerning an individual from another source and use that information in combination with information provided from this Web Site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to Saving For Today or Third Party, but an individual may receive incentives from Saving For Today or a Third Party in exchange for providing Survey Information to Saving For Today .
1.2 Third Party List Information.
Saving For Today collects information from individuals when an individual provides information to a Third Party and Saving For Today subsequently purchases, licenses, or otherwise acquires the information from the Third Party (the “Seller”). Such purchased information may include, but is not limited to, an individual’s name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), SMS messaging details (e.g. date, time and content of the SMS message), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, “Third Party List Information”). When acquiring Third Party List Information, Saving For Today seeks assurances from the Seller that the Seller has a right to transfer the Third-Party List Information to Saving For Today and that the Seller has a right to provide offers from advertisers to the individuals whose personal information is included on the Seller’s list.
1.3 Other Information.
Other occasions when Saving For Today obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by Saving For Today or by a Third Party, (2) when an individual requests assistance through Saving For Today customer service department, and (3) when an individual voluntarily subscribes to a Saving For Today service or newsletter (together, “Other Information”).
1.4 Cookies, Web Beacons, and Other Info Collected Using Technology.
Saving For Today currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Saving For Today may use other new and evolving sources of information in the future (together, “Technology Information”).
(a) Cookies. A cookie is a small amount of data stored on the hard drive of the individual’s computer that allows Saving For Today to identify the individual with his or her corresponding data that resides in Saving For Today . database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Website need to accept cookies in order to use all of the features and functionality of the Website.
(b) Web Beacons. A web beacon is programming code that can be used to display an image on a web page (by using an <img src=”x”> programming function — see http://truste.org for more information), but can also be used to transfer an individual’s unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows Saving For Today to track certain web sites an individual visit online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. For example, Saving For Today might place, with the consent of a Third-Party website, a web beacon on the Third Party’s website where baseball products are sold. When Joe, an individual listed in Saving For Today . database, visits the fishing website, Saving For Today receives notice by means of the web beacon that Joe visited the baseball site, and Saving For Today would then update Joe’s profile with the information that Joe is interested in baseball. Saving For Today may thereafter present offers of baseball related products and services to Joe. In addition to using web beacons on web pages, Saving For Today also uses web beacons in email messages sent to individuals listed in Saving For Today . database.
(c) New Technology. The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is Saving For Today use of new and evolving technology. As a result, Saving For Today strongly encourages individuals to revisit this policy for any updates regarding its use of technology.
1.5 Outside Information.
Saving For Today may receive information about individuals from Third Parties or from other sources of information outside of Saving For Today including information located in public databases (“Outside Information”).
1.6 Individual Information.
As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information Saving For Today gathers or receives about individuals such as usage data, file transfer and viewing data.
1.7 No Information Collected from Children.
Saving For Today will never knowingly collect any personal information about children under the age of 13. If Saving For Today obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from our database. Because it does not collect such information, Saving For Today has no such information to use or to disclose to Third Parties. Saving For Today has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”).
1.8 Credit Card Information.
Saving For Today may in certain cases collect credit card numbers and related information, such as the expiration date of the card (“Credit Card Information”) when an individual places an order from Saving For Today . When the Credit Card Information is submitted to Saving For Today , such information is encrypted and is protected with SSL encryption software. Saving For Today will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to Third Parties only as necessary to complete the purchase transaction.
Log File Data: When users log-in to access their account, our servers will automatically record and archive certain information that web-browsers send whenever visiting a Website. These server logs may include information vital to validating the user’s authorization to access the account. Information, such as a Web request, Internet Protocol (the “IP”) address, browser type, browser language, referring pages, exit pages and visited URLs, platform type, click counts, pages viewed and in what order, time spent, the date and time of the request, and other important data is necessary to validate and authorize a user’s entry and activity on the Website.
- Use of Individual Information.
2.1 Discretion to Use Information.
THE COMPANY MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY’S SOLE DISCRETION.
The following paragraphs in Section 2 describe how Saving For Today currently uses Individual Information, but Saving For Today may change or broaden its use at any time. As noted, Saving For Today may update this policy from time to time. Saving For Today may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.
Saving For Today uses Individual Information to provide promotional offers by email to individuals. Saving For Today may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all Saving For Today . email lists, a person must send an email to unsubscribe@SavingForToday.com
2.2(a) Content of Email Messages.
In certain commercial email messages sent by Saving For Today , an advertiser’s name will appear in the “From” line but hitting the “Reply” button will cause a reply email to be sent to Saving For Today . The “Subject:” line of Saving For Today email messages will usually contain a line provided from the advertiser to Saving For Today .
2.2(b) Solicited Email.
Saving For Today only sends email to individuals who have agreed on the Website to receive email from Saving For Today or to individuals who have agreed on Third-Party websites to receive email from Third Parties such as Saving For Today . Saving For Today does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to Saving For Today email messages.
2.3 Targeted Advertising.
Saving For Today uses Individual Information to target advertising to an individual. When an individual is using the Internet, Saving For Today uses Technology Information (see also Section 2.5 below) to associate an individual with that person’s Individual Information, and Saving For Today attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. Saving For Today may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.
2.4 Direct Mail and Telemarketing.
Saving For Today uses Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.
2.5Mobile Phone SMS Messaging.
In certain cases, when requested by an individual, a Third Party may use Individual Information to provide customized content and advertising via SMS messaging to an individual’s cell phone. Saving For Today is not responsible for the privacy practices or the content of such Third Parties.
2.6 Use of Technology Information.
Saving For Today uses Technology Information (1) to match a person’s Survey Information and Third-Party List Information to other categories of Individual Information to make and improve profiles of individuals, (2) to track a person’s online browsing habits on the Internet, (3) to determine which areas of Saving For Today . web sites are most frequently visited. This information helps Saving For Today to better understand the online habits of individuals so that Saving For Today can target advertising and promotions to them.
2.7 Profiles of Individuals.
Saving For Today uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third-Party List Information with other sources of Individual Information such as information obtained from public databases.
2.8 Storage of Individual Information.
Saving For Today stores the Individual Information in a database on Saving For Today computers. Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Saving For Today . control. Notwithstanding such measures, Saving For Today cannot guarantee that its security measures will prevent Saving For Today computers from being illegally accessed, and the Individual Information on them stolen or altered.
- Dissemination of Individual Information.
3.1 Sale or Transfer to Third Parties.
Saving For Today MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE IN Saving For Today SOLE DISCRETION.
3.2 Order Fulfillment.
Saving For Today will transfer Individual Information to Third Parties when necessary to provide a product or service that a person orders from such Third Party while using Saving For Today web sites or when responding to offers provided by Saving For Today .
3.3 Legal Process.
Saving For Today may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.
3.4 Summary Data.
Saving For Today may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.
Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by contacting contact@SavingForToday.com may also grant advertising clients and email services providers’ access to an individual’s email address to verify the origin of the Individual Information collected.
- Privacy Practices of Third Parties.
4.1 Advertiser cookies and web beacons.
Advertising agencies, advertising networks, and other companies (together, “Advertisers”) who place advertisements on the Website and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Saving For Today does not control Advertisers’ use of such technology and Saving For Today has no responsibility for the use of such technology to gather information about individuals.
The Website and email messages sometimes contain hypertext links to the web sites of Third Parties. Saving For Today is not responsible for the privacy practices or the content of such other web sites. Linked web sites may contain links to web sites maintained by Third Parties. Such links are provided for your convenience and reference only. Saving For Today does not operate or control in any respect any information, software, products or services available on such Third-Party web sites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
4.3 Affiliated Companies.
Saving For Today may disclose, transfer, and sell Individual Information to entities affiliated with Saving For Today in Saving For Today discretion. Should Saving For Today be subject to an acquisition, merger, sale or other change of control or business entity status, Saving For Today reserves the right to transfer or assign the Information collected from the Website.
- Individuals Outside of the United States.
Anyone using the Website outside of the United States acknowledges that personal information will be collected and stored by Saving For Today in the United States. By using the Website, you consent to the transfer of information to and/or storage of information outside of your country and in the United States.
- Unsubscribe Procedures.
6,1 If you wish to discontinue receiving email messages from Saving For Today , you have several options:
- Unsubscribe from one email list. To unsubscribe from a particular list, either (1) send an email to unsubscribe@SavingForToday.com or (2) follow the instructions in each promotional email message sent by Saving For Today .
- Unsubscribe from all of Saving For Today email lists.
We reserve the right to add Individual Information to multiple lists maintained by Saving For Today . To globally unsubscribe from all of Saving For Today lists, send an email to unsubscribe@SavingForToday.com.
- Unsubscribe from a particular SMS messaging campaign.
To unsubscribe from a particular SMS messaging campaign on a cell phone, send “STOP”, “END”, or “QUIT” to the SMS message received by the individual. In addition, other methods to unsubscribe may be set forth on the website at which the individual signed up for the SMS messaging campaign.
For more information about protecting your privacy, you may wish to visit: www.ftc.gov.If you have questions about this policy, please contact us at contact@SavingForToday.com.
California User Consumer Rights. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to firstname.lastname@example.org.
© 2021 Saving For Today , LLC.
41 Watchung Plz Montclair, NJ 07042 SUITE 329