Privacy Policy

 

This Privacy Policy governs the manner in which MNH Financial Services, Inc., doing business as The Frugal CrediTnista, collects, uses, maintains, and discloses information collected from users (each, a “User”) of the https://thefrugalcreditnista.com website (“Site”). Please read this Privacy Policy carefully. By using our Website or its content, you consent to this Privacy Policy, whether or not you have read it.

Changes to This Privacy Policy

We reserve the right to change this Privacy Policy on the Website at any time without notice. In the event of a material change, we will notify you via the method(s) detailed at the end of this Disclaimer/Privacy Policy Notice. The “Last Updated” date at the top of this document will reflect the most recent changes.

Personal Identification Information

• Collection Methods: We may collect personal identification information from Users in various ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features, or resources we make available on our Site.
• Types of Information: Users may be asked for, as appropriate, name, email address. Users may, however, visit our Site anonymously.
• Voluntary Submission: We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identifiable information, except that it may prevent them from engaging in certain Site-related activities.

Non-Personal Identification Information

• Collection of Non-Personal Data: We may collect non-personal identification information about Users whenever they interact with our site. This may include the browser name, the type of computer, and technical information about Users' means of connection to our Site, such as the operating system and the Internet service providers utilized.
• Purpose of Collection: This information is used to improve our services and for marketing purposes.

Web Browser Cookies

• Use of Cookies: Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them.
• User Control: Users may choose to set their web browser to refuse cookies or to alert them when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How We Use Collected Information

• Site Operation: We may need your information to display content on the Site correctly.
• Customer Service Improvement: Information you provide helps us respond to your customer service requests and support needs more efficiently.
• User Experience Personalization: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
• Site Improvement: We may use feedback you provide to improve our products and services.
• Email Communication: We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests.

How We Protect Your Information

• Data Security Measures: We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our Site.
• Encryption and Secure Access: All sensitive and private data exchange between the Site and its Users happens over an SSL secured communication channel and is encrypted and protected with digital signatures.
• Regular Security Audits: We conduct regular security audits to ensure the safety and integrity of our data storage and processing systems.

Sharing Your Personal Information

• No Sale of Personal Data: We do not sell, trade, or rent Users' personal identification information to others.
• Aggregated Data Sharing: We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates, and advertisers for the purposes outlined above.
• Third-Party Service Providers: We may use third-party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

Processing Payments

• Use of Personal Data: We will use the Personal Data that you give to us in order to process your payment for the purchase of goods or services under a contract.
• Third-Party Payment Processors: We only use third-party payment processors that take the utmost care in securing data and comply with the GDPR.

Passwords

• User Responsibility: To access certain pages and/or content on our sites, you may need a username and password. You are responsible for maintaining the confidentiality of your username and password.
• Account Security: You are responsible for all activities, whether made by you or by others, that occur under your username and password. We cannot and will not be liable for any loss or damage arising from your failure to protect your username, password, and account information.
• Unauthorized Use: You agree to notify us immediately of any unauthorized or improper use, and make sure that you log out at the end of each session for areas of our site that require your username and password.

Limitation of Liability

• General Limitation: UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL OR INCONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING ITS MATERIALS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE, EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES.
• State Law Exceptions: (BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.)
• User Conduct: YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES, AND/OR MATERIALS.

Electronic Newsletters

• Opt-In Process: If Users decide to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc.
• Third-Party Service Providers: We may use third-party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

Third-Party Websites

• External Links: Users may find advertising or content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site.

• Independent Policies: These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

Advertising

• Cookies for Advertising: Ads appearing on our site may be delivered to Users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile non-personal identification information about you or others who use your computer.
• Targeted Advertisements: This information allows ad networks to deliver targeted advertisements that they believe will be of most interest to you. This privacy policy does not cover the use of cookies by any advertisers.

Google AdSense

• DART Cookie Usage: Some of the ads may be served by Google. Google’s use of the DART cookie enables it to serve ads to Users based on their visit to our Site and other sites on the Internet.
• Opt-Out Information: DART uses “non-personally identifiable information” and does NOT track personal information about you, such as your name, email address, physical address, etc. You may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at http://www.google.com/privacy_ads.html.

Compliance with Children’s Online Privacy Protection Act

• Protection of Minors: Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.

Changes to This Privacy Policy

• Policy Updates: MNH Financial Services, Inc. has the discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site, revise the updated date at the bottom of this page.
• User Responsibility: We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your Acceptance of These Terms

• Consent to Policy: By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Other Legal Notices

• DMCA Compliance: The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials hosted by MNH Financial Services, Inc. infringe your copyright, you, or your agent may send to us a notice requesting that the material be removed or access to it be blocked.

Contacting Us

• Inquiries and Concerns: If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at Support@thefrugalcreditnista.com.

Last Updated: February 14, 2023