Terms and Conditions

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Terms and Conditions

Effective Date: 01/12/2019
Last Updated: 08/25/2025

Welcome to [SaveAPennyNow] (“we,” “our,” “us”). These Terms and Conditions (“Terms”) govern your use of [saveapennynow.com] (the “Site”). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

  • The Site is intended for personal, non-commercial use.
  • You agree not to misuse the Site, attempt unauthorized access, or engage in fraudulent activity.
  • You are responsible for ensuring your use of the Site complies with applicable laws.

2. Affiliate Relationships

  • Our Site participates in affiliate programs. When you click links to third-party websites and make a purchase, we may earn a commission.
  • Prices, offers, promotions, and product availability are determined by the third-party retailer, not by us.

3. Cashback and Rewards Disclaimer

  • While we may promote cashback or rewards programs, we do not guarantee that cashback will always be tracked, credited, or paid out.
  • Cashback may be affected by factors outside of our control, including but not limited to:
    • Technical issues or outages
    • Delays from affiliate networks or retailers
    • Incorrect tracking or cookie blocking
    • Natural disasters, electronic outages, or other unforeseen circumstances
  • We are not liable for untracked, missing, or unpaid cashback.

4. Refunds and Payments

  • We do not sell products directly and therefore do not process payments or refunds.
  • Any purchases, refunds, returns, or disputes must be handled directly with the third-party retailer where the transaction occurred.
  • We are not responsible for delays, cancellations, or financial losses related to purchases made through affiliate links.

5. Third-Party Websites

  • Our Site may contain links to third-party websites. We are not responsible for the content, services, or policies of those external sites.
  • Any purchases or transactions are strictly between you and the third-party retailer.

6. No Warranties

  • The Site is provided “as is” and “as available.”
  • We make no warranties or representations, express or implied, regarding the accuracy, reliability, or availability of the Site or any information provided.

7. Limitation of Liability

  • To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site.
  • This includes, but is not limited to, loss of cashback, loss of data, service interruptions, natural disasters, electronic outages, or events beyond our control.

8. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses (including legal fees) arising out of your use of the Site or violation of these Terms.

9. No Financial Advice

  • Any content on this Site, including cashback tips, money-saving strategies, or product recommendations, is provided for informational purposes only.
  • We do not provide financial, investment, legal, or tax advice.
  • You should consult with a qualified financial advisor or professional before making any financial decisions.
  • Reliance on information provided by this Site is at your own risk.

10. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on this page with the updated “Effective Date.” Continued use of the Site after changes means you accept the revised Terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your State/Country]. Any disputes will be subject to the exclusive jurisdiction of the courts in [Your Location].

12. Contact Us

If you have any questions about these Terms, please contact us.

Privacy Policy

SaveAPennyNow (“we,” “our,” “us”) operates [saveapennynow.com] (the “Site”). This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or interact with our content.

Effective Date: 01/12/2019
Last Updated: 08/25/2025

SaveAPennyNow (“we,” “our,” “us”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and protect your information when you visit saveapennynow.com (the “Site”).

This policy is written in compliance with:

  • General Data Protection Regulation (GDPR) – European Union
  • UK GDPR & Data Protection Act 2018 – United Kingdom
  • California Consumer Privacy Act (CCPA/CPRA) – California, USA
  • Personal Information Protection and Electronic Documents Act (PIPEDA) – Canada
  • Other applicable privacy and data protection laws in the countries we serve

By using our Site, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

A. Personal Information (you provide)

  • Name, email address, and contact details (if you register, subscribe, or contact us)
  • Account details (if you create an account on our Site)

B. Non-Personal / Automatically Collected Information

  • IP address, browser type, device information, operating system
  • Cookies, tracking pixels, referral URLs, and browsing behavior
  • Affiliate link interactions (clicks, purchases made via partner links)

C. Sensitive Information

We do not knowingly collect sensitive personal data (e.g., health, race, religion, political views).

2. How We Use Your Information

We use your information to:

  • Provide and improve our services
  • Track affiliate link performance and commissions
  • Personalize content and offers
  • Analyze website traffic and usage trends
  • Ensure security and fraud prevention
  • Comply with legal obligations

3. Legal Bases for Processing (GDPR & UK GDPR)

If you are in the EU or UK, we process your data based on the following legal grounds:

  • Consent – when you accept cookies or subscribe to newsletters
  • Contract – when processing is necessary to provide services you request
  • Legitimate Interests – for analytics, affiliate tracking, and fraud prevention
  • Legal Obligation – to comply with applicable laws

4. Your Privacy Rights

Under GDPR & UK GDPR (EU, UK, EEA Residents):

  • Right to access your data
  • Right to rectification (correct inaccuracies)
  • Right to erasure (“right to be forgotten”)
  • Right to restrict processing
  • Right to data portability
  • Right to object to processing (including marketing)
  • Right to withdraw consent at any time

Under CCPA/CPRA (California Residents):

  • Right to know what personal data we collect and how we use it
  • Right to request deletion of personal data
  • Right to opt-out of the sale/sharing of personal information
  • Right to non-discrimination for exercising privacy rights

Under PIPEDA (Canada):

  • Right to access your personal information
  • Right to challenge accuracy and request correction
  • Right to withdraw consent

📧 To exercise your rights, contact us at anytime.

5. Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies to:

  • Track affiliate link performance
  • Analyze traffic and improve functionality
  • Deliver personalized content and ads

👉 You can manage cookie preferences through your browser settings or opt-out via our Cookie Consent Banner.

6. Affiliate Links and Third-Party Tracking

  • Our Site contains affiliate links. When you click these links, third-party networks may place tracking cookies to confirm purchases and track commissions.
  • We do not control third-party tracking technologies. Please review their privacy policies for details.

7. Data Sharing and Transfers

We may share your information with:

  • Affiliate networks & retailers – to track purchases and commissions
  • Analytics providers (e.g., Google Analytics) – for performance analysis
  • Service providers (hosting, email, security) – to maintain Site functionality
  • Legal authorities – when required by law

🌍 International Transfers: Your data may be transferred outside your country (e.g., to the USA). We ensure protections under GDPR Standard Contractual Clauses (SCCs), UK Adequacy Decisions, or equivalent safeguards.

8. Data Retention

  • We retain personal data only as long as necessary to provide services or comply with legal obligations.
  • Non-personal analytics data may be retained longer for research and reporting.

9. Security Measures

We use reasonable technical, administrative, and organizational safeguards to protect your information. However, no system is 100% secure, and we cannot guarantee absolute protection.

10. Children’s Privacy

Our Site is not intended for children under 16 (EU/UK) or 13 (US/Canada). We do not knowingly collect data from minors.

11. “Do Not Track” & CCPA Opt-Out

  • We honor browser “Do Not Track” settings where legally required.
  • California residents may opt-out of the sale or sharing of personal data by contacting us or using our cookie banner.

12. Changes to This Privacy Policy

We may update this Privacy Policy at any time. Updates will be posted here with the “Last Updated” date.

13. Contact Information

For privacy-related questions or to exercise your rights, please contact us.

For EU residents: You may also contact your local Data Protection Authority (DPA).
For UK residents: Contact the Information Commissioner’s Office (ICO).
For Canadian residents: Contact the Office of the Privacy Commissioner of Canada (OPC).
For California residents: Contact the California Attorney General’s Office.

Cookie Policy

This Cookie Policy explains how [SaveAPennyNow] (“we,” “our,” “us”) uses cookies and similar technologies on [saveapennynow.com] (the “Site”). It works together with our [Privacy Policy] to explain how we handle your data.

By using our Site, you consent to the use of cookies as described in this Policy, unless you disable them in your browser settings or via our Cookie Consent Banner.

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They allow websites to function, remember preferences, and provide analytics or targeted ads.

Cookies can be:

  • First-party cookies – set by our Site.
  • Third-party cookies – set by affiliate networks, advertisers, or analytics providers.
  • Session cookies – deleted when you close your browser.
  • Persistent cookies – stored until they expire or are deleted.

2. Types of Cookies We Use

A. Strictly Necessary Cookies (Essential)

  • Required for Site functionality, security, and fraud prevention.
  • Examples: Login sessions, shopping cart functionality, affiliate link tracking.
  • Cannot be disabled.

B. Performance & Analytics Cookies

  • Help us understand how visitors use our Site (e.g., page visits, clicks, traffic sources).
  • Example: Google Analytics, affiliate network reporting.

C. Functionality Cookies

  • Remember your preferences (e.g., language, region).
  • Improve user experience but not essential.

D. Advertising & Affiliate Cookies

  • Track affiliate links, purchases, and commission eligibility.
  • Deliver relevant ads or offers.
  • Example: Awin, CJ, Rakuten affiliate tracking cookies.

3. Third-Party Cookies

Our Site contains affiliate links and works with third-party partners (networks, retailers, advertisers). These third parties may set cookies to:

  • Track clicks and purchases for commission reporting
  • Deliver personalized ads and offers
  • Prevent fraud

We do not control third-party cookies. Please review their respective privacy and cookie policies.

4. Legal Basis for Cookie Use (GDPR & UK GDPR)

  • Strictly necessary cookies – used under our legitimate interests.
  • Analytics, functionality, and advertising cookies – used only with your consent via our Cookie Banner.

5. Your Cookie Choices

A. Cookie Consent Banner

  • On your first visit, you will see a banner asking you to accept or reject non-essential cookies.
  • You can change your preferences anytime by [link: “Cookie Settings”].

B. Browser Settings

Most browsers allow you to block or delete cookies. Instructions:

6. Do Not Track & Opt-Outs

7. Updates to This Cookie Policy

We may update this Cookie Policy from time to time. The “Last Updated” date will always reflect the latest version.

8. Contact Us

For questions about this Cookie Policy, contact us.