Savings Rates

Privacy & Cookie Policy

About this Privacy Policy

This Privacy Policy explains how Savings Rates collects, uses, and discloses your personal data. We collect personal data when you use our website(s), mobile apps, and other online and offline products, services and experiences (collectively, the “Services”). This Privacy Policy does not apply to any third parties you may interact with through our Services. From time to time, we parties with third parties to provide you with products, promotions or other experiences. If those third parties will receive your personal data, we will make their privacy policy available to you.

Changes to this Privacy Policy

We’re likely to update this Privacy Policy in the future and when we make changes, we will revise the date at the top of the policy. When we make significant changes, we will notify you through this page.

How to contact us

If you have questions or concerns about the information in this Privacy Policy, our handling of your personal data more generally, your choices and rights regarding such use, or wish to exercise your rights under law, please do not hesitate to contact us at: will@savingsrates.org.

What personal data we collect and how

Data that we collect automatically about your browser and device.

When you access or use the Services, we use cookies and similar technologies that collect information about your browser and device:

  • Log Data. We automatically receive and record information from your device or web browser when you interact with the Services. For example, we collect your internet protocol (IP) address, mobile device ID, time zone setting, language preference, operating system, platform, internet service provider (ISP), and links you have clicked on or shared with others, including through email and social media.
  • Cookie Data. When you visit the Services, we will set certain “cookies” and similar tracking technologies on your device, including cookies and web beacons (“Cookies”). For more information about cookies and how to disable them.

We also may use these technologies to collect data about your online activities over time and across third-party websites or other online services (behavioral tracking).

The information we collect automatically may include personal data, or we may maintain it or associate it with personal data we collect in other ways or receive from third parties.

Location data

We use your IP address to infer your approximate location. We may also collect the language option or country you choose. When we provide certain services, such as providing you with a version of our Services that is localized to your country, we link location data to other information we have collected about you to provide you with a localized experience.

Aggregated data

We analyze and aggregate personal data we collect, such as the number and frequency of your visits to the Services, to produce anonymized metrics and statistical information that does not identify you as an individual.

We combine information about you with information about other users to create audience segments of aggregated data, for example, statistical, demographic and usage data. If we combine or connect aggregated data with your personal data, we treat the combined data as personal data and treat it in accordance with this Privacy Policy.

How we collect personal data

Using Cookies. We collect information about your devices and browsing actions and interests by using cookies and similar technologies. 

From our Advertising Partners. Third parties who provide advertising and related services (such as analytics providers and ad networks, our “Advertising Partners” may give us your personal data so that we can compare it to personal data we hold in order to determine if you are the same individual (this is sometimes called “cookie-matching”). 

From our Advertisers and Affiliate Partners. We may receive your personal data from third parties when you buy things through our Services or when you buy things from a third party after clicking on an affiliate link in our content. This information may include your contact details and financial and transaction data (such as items purchased and purchase price) from providers of technical, payment and delivery services.

From Social Media Platforms. If you access our Services using your Facebook or Google credentials, we will automatically collect certain information, such as your Facebook or Google user ID. We will use any information collected from Facebook or Google, including the user ID Facebook or Google attribute to you, only in accordance with Facebook’s or Google’s policies and your preferences selected through Facebook or Google.

How we use your data:

We use the data we collect to provide, maintain, and improve our Services. We also use the data we collect to:

  • Send you technical notices, updates, security alerts and support and administrative messages and to respond to your comments, questions and customer service requests;
  • Communicate with you about products, services, offers, and events offered by Savings Rates and others, and provide news and information we think will be of interest to you;
  • Make inferences about your interests and preferences (including at a household level). Your interests and preferences are inferred from data we collect about the content you have interacted with, how long you interacted with them, how often you interacted with them, and the nature of your interaction with the content;
  • Personalize and improve the Services and provide you with advertisements, content or features that match your profile, activities or interests;
  • Customize content that our third-party Advertising Partners deliver on the Services (such as personalized third-party advertising);
  • Creating and updating profiles and audience segments that can be used for analytics, interested-based advertising and marketing on the Services, and on websites, mobile apps and other platforms controller by our advertisers and other third party advertising partners (“Third Party Sites”)
  • Monitor and analyze trends, usage and activities in connection with our Services and personalize and improve the Services;
  • Detect, investigate and prevent fraudulent transactions and other illegal activities and protect the rights and property of Savings Rates and others; and
  • Carry out any other purpose described to you at the time the data was collected.

Sharing your personal data

In general, your personal data will remain with Savings Rates but we may share personal data about you as follows or as otherwise described in this Privacy Policy:

  • With vendors, consultants, and other service providers who process your data on our behalf when they provide services to us, for example data analytics, research, marketing and financial services;
  • With Advertising Partners to customize your experience and better tailor the services, products, marketing and advertising on our Services and on their Third Party Sites. Our Advertising Partners are companies that provide services that help us provide advertising to you. These companies may use their own tracking technologies to collect or request information about you. 
  • In connection with, or during negotiations of, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company;
  • We may be legally required to disclose or share your personal data without your consent in some circumstances, for example to comply with a court order or law enforcement. In such circumstances, we will only disclose your personal data if we have a good-faith belief that such sharing is required under applicable legal obligations.

Other Sharing

We may also share aggregated or de-identified information, which cannot reasonably be used to identify you (we do not attempt to re-identify de-identified information, except as permitted or required by law). For example, we may share aggregated or de-identified information with our ad partners and service providers so that we, and they, can understand how people use our Services; this helps us grow our business and improve and develop our products and services.

Retaining your personal data

We keep your personal data for as long as we need it for the purposes for which it was collected.

When we decide how long we will keep your information we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure, why we need it, and any relevant legal requirements (such as legal retention and destruction periods).

We may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes.

Social Media Platforms and Other Third-Party Sites

Our sites and apps may include links to third-party sites, apps and social media platforms (“Third-Party Sites”). Clicking on those links may allow third parties to collect or share data about you. We do not endorse or control Third-Party Sites, each of which are governed by its own terms of service and privacy policy. We encourage you to read their privacy policies and terms so that you understand how they process information about you. We are not responsible for any damages or other harms that may arise when you leave Savings Rates and interact with Third-Party Sites. Please take all protections necessary to protect yourself when accessing Third-Party Sites, particularly when downloading content or making purchases.

The Services may offer social sharing features and other integrated tools, which let you share actions you take on our Services with your friends or the public on social media platforms. We also use the analytics tools provided by the social media platforms to help us to understand how people interact with our social media presence, to identify trends and to carry out joint promotional activities with those platforms. For example, sometimes we agree with a social media platform that we will jointly promote certain content.

We receive aggregated statistical information from social media platforms about the performance of our posts and promoted content, such as numbers of views and kinds of viewers. This data is aggregated and anonymized by the social media platform before it is given to us.

We also use the paid advertising and paid content tools provided by the social media platforms to help us carry out advertising campaigns for our advertisers and to promote our content on the social media platforms. 

We process information provided to us by the social media platforms on the basis of our legitimate interest in interacting with our audience on social media and using social media to promote our content.

For more information about the purpose and scope of data collection and processing in connection with social sharing features or your use of the social media platforms, please visit the privacy policies of the respective entities at the following links:

Cookie policy

What Are Cookies?

Cookies are small data text files that are used to identify your computer or device online. When you visit a website, a cookie is created and stored on your hard drive so that that website can recognize you while you are on that website. Some cookies are “session-based,” which means they disappear once you leave the website. Others are “persistent,” which means they are stored on your device until you delete them and they allow a website to recognize you each time you visit the website. Cookies are just one technology used to collect information online. A “web beacon,” also known as a tag, pixel tag, or clear GIF, is also used to transmit information back to a web server. When you interact with our mobile apps we may use SDKs, which act like cookies, or we may use other identifiers to help us identify your device. When we talk about “Cookies” in this Privacy Policy, we mean not just cookies, but web beacons, SDKs and similar technologies.

What Types of Cookies are on the Services?

  • First Party Cookies. Our Services use our own cookies to recognize you and remember you as a unique user.
  • Session Cookies remember you during your session on our Services. They are deleted when you log out of the Services and when you close your web browser. We use session Cookies to ensure content is displayed correctly on the Services, to balance and monitor load on our servers, and for other technical matters essential to the operation of our Services. You can configure your device to reject these cookies, but our Services will probably not work correctly, or at all, if you do.
  • Consent cookies are used by our consent management platform we employ to record your preferences about third party cookies described below, and to store and share your preference with those third parties. These cookies are essential for compliance with the legal obligations imposed on us and on third parties with whom we have a business relationship to ensure we request your consent, record your consent preferences, and act on such consent preferences.
  • Analytics cookies. Analytics cookies are used by us and by third parties who process data for us for data analytics purposes (for example Google Analytics) so that we can manage and improve the performance and design of our Services and for monitoring, auditing, research and reporting. We have activated Google’s IP anonymisation function on our Sites. This will cause your IP address to be cut by Google within Member States of the European Union or in other countries party to the Agreement on the European Economic Area before being transmitted to the USA. Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and shortened there. On our behalf, Google will use this information to evaluate your use of the Sites, to compile reports on Site activity and to provide us with other services relating to website and internet use. The IP address transmitted by your browser in the context of Google Analytics is not merged with other Google data. With respect to Google Analytics, you can read about how Google uses data gathered for that purpose here.
  • Third party cookies: advertising and affiliate links. Our Advertising Partners and our affiliate links partners collect personal data from you for the purposes they disclose through our cookie consent management platform.
    • Advertising Partners include ad networks such as third party ad servers, ad agencies, ad technology vendors and research firms.
    • Affiliate links partners pay us when you buy things from them or another third party after clicking on an affiliate link in our content.

Our Advertising Partners use third party cookies to serve ads to you and to target you with tailored (or personalized) ads when you are using the Services and when you visit Third-Party Sites. They also use cookies to measure traffic on the Services (for example to track ad views).

Advertising Partners and affiliate links partners may view, edit or set their own cookies on your mobile device or web browser when you interact with our Services. They use cookies to track your use of our Services and your activities elsewhere online. We provide links to their privacy policies in our consent management platform, which you can access by clicking here.

What Information Do Cookies Collect?

Cookies and similar technologies allow us to collect the following types of personal data: a unique ID assigned to your device; IP address; device and browser type; operating system; referring URLs; content viewed or other actions taken through our Services; time and date of those actions; country and language selected.

What Choices Do You Have?

Browsers and devices have tools that allow you to disable Cookies. If you disable Cookies you may not be able to access all the features of our services. We suggest that you keep our essential cookies active for a better user experience and to help us keep improving and developing our products and services. You can decide who you will allow to set third party cookies on your browser or device. 

If you would like more information about this practice and to know your choices about having your information used in this manner by our partners, you may visit https://optout.networkadvertising.org/?c=1, https://optout.aboutads.info/?c=2&lang=EN or https://youradchoices.com/token.

Non-US Users

We do not do business outside of the United States and do not expect or anticipate any non-US traffic visiting our web properties. As such, we remain complaint with relevant foreign law by avoiding operations in non-US jurisdictions. 

Privacy Information for United States Residents

Residents of certain states have additional rights and choices beyond what is described in Sections 1-13 of this Privacy Policy. This section addresses those additional rights.

United States Privacy Rights

  • Right to Deletion. You have the right to request that we delete certain personal data we have about you.
  • Right to Access. You have the right to request that we inform you about the categories of personal data we collect or disclose about you; the categories of sources of such data; the business or commercial purpose for collecting your personal data; and the categories of third parties with whom we share/disclose personal data. Such information is also set forth above in this Privacy Policy. You may also request that we provide you access to and/or a copy of the specific pieces of personal data we collected about you (also called a data portability request).
  • Right to Correction. If you feel that any of the records of personal data we have about you are incorrect, you have a right to request that we correct those inaccuracies. This right does not extend to matters of opinion, such as views expressed in editorial content.
  • No Discrimination. You have the right to not be discriminated against (as provided for in the applicable US Privacy Law) for exercising your rights.
  • Right to Opt-Out. You have the right to opt-out of the “sale” of your personal data, or the “sharing” of your personal data for interest-based or other targeted advertising on third party websites. Note that “sale” is defined broadly and may include allowing third parties to receive certain data, such as cookies, IP address, and/or browsing behavior, to deliver targeted advertising on our Services or other sites and apps. We engage in these activities because advertising, including targeted advertising, enables us to provide you certain content for free and allows us to provide you content relevant to you.

How to Exercise Your Rights

Opt-out of Sale/Share/Targeted Advertising/Other Privacy Rights. 

If you would like to opt out of the sale or sharing of your personal data for targeted advertising, please email us at will@savingsrates.org

Please note that the verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal data or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal data if we cannot verify your identity or authority to make the request and confirm the personal data relates to you. Making a verifiable consumer request does not require you to create an Account with us. We will only use personal data provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Only you or a person that you authorize to act on your behalf may make a verifiable consumer request related to your personal data. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or deletion twice within a 12-month period.

Please note that certain data may be exempt from such access, data portability, correction, and deletion requests under US Privacy Law. For example, we need to retain certain data in order to provide the Services to you or to comply with our legal obligations.

Notice for California Users

This section provides you with our practices regarding the collection, use, and disclosure of your personal data in the 12 months prior to our last update to this Policy (see the date at the top). It also explains your rights regarding your personal data that we collect pursuant to applicable U.S. state privacy laws.

Categories of Information We Collect:

  • Internet activity information (e.g., browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement, or questions and other messages you address to us directly through online forms or by email).
  • Inferences (e.g. inferences about your about personal preferences and attributes drawn from profiling).
  • Online identifiers (e.g. IP address, ADID/IDFA, cookie IDs, internal identification numbers).
  • Location data (e.g. your city, state or country information).

Categories of Sources:

  • You
  • Your device
  • Data partners.

Purpose of Collection

  • To improve our Service, including to better understand our customer base, meet our diversity and inclusion goals; and to help our business partners do the same.
  • To enforce our User Agreement, and for the administration and protection of our business.
  • To comply with applicable law, regulations, and legal and regulatory processes.
  • To advertise and market our Services, and the products and services of our advertisers.

If you opt-in to do so, we may use your name and email address for our marketing purposes and to help our business partners with their marketing.

We may share your personal data with government entities when required to do by law and to share with Service Partners on an as-necessary basis..