MichaelSaves.com is a personal blog that’s written and edited by me, Michael Timmermann.
After I paid off my $86,000 mortgage in two years, I founded this website in January 2014 to share practical ways to save more money.
I’ve been writing about personal finance for about a decade, but you should know that I’m not a CPA, banker or investment professional.
My background is in journalism. I try to be fair, accurate and thorough in my writing.
If you have any questions or comments about the content you see on MichaelSaves.com, contact me at firstname.lastname@example.org.
Michael Saves Media, LLC earns income through various forms of advertising.
The best way for me to explain how I operate this website is to take a closer look at my Editorial Promise, sentence by sentence.
I only share my experience with products and services that I personally use or have used in the past. To support my work, some articles contain affiliate links. I do not accept sponsored posts from advertisers.
1. I only share my experience with products and services that I personally use or have used in the past.
When I publish a product or service review, it’s because I’ve tried it out myself and think my readers may want to learn more.
I will never accept freebies from product or service providers.
To provide unbiased reviews, I always pay for the products and services that I test or take advantage of free trials available to the general public.
2. To support my work, some articles contain affiliate links.
Although MichaelSaves.com is not my full-time job, I do spend a lot of time writing articles and have taken steps to monetize my blog.
I have two main revenue sources: Google AdSense and affiliate links.
With Google AdSense, I choose where I want ads to appear and insert a piece of code on the site. Google then decides which ads to show my readers.
Affiliate or referral links work a little differently and give me more control over what you see.
As a blogger, I’m a member of several affiliate programs like FlexOffers and CJ.com. When a reader clicks on one of my links, I may receive a small commission.
And as an Amazon Associate, I earn from qualifying purchases.
For example, I wrote about CIT Bank and Discover Bank in an article about my online banking strategy. I have an affiliate relationship with CIT Bank but not Discover Bank.
If someone signs up for CIT Bank using a link or banner from my website, I will be compensated.
These affiliate links allow me to generate income from the site at no cost to the reader, but I carefully choose where and when to use them.
I only insert affiliate links when I believe the product or service will benefit my readers.
3. I do not accept sponsored posts from advertisers.
I write every single article that you see on MichaelSaves.com. This website reflects my personal experiences, opinions and beliefs — period.
I will never accept payment from an advertiser in exchange for an endorsement.
As I mentioned earlier, I pay for the products and services that I try. When companies offer to send me freebies, I decline them and refer to my editorial policy.
Effective date: December 22, 2018
MichaelSaves.com (“us”, “we”, or “our”) operates the https://michaelsaves.com website (the “Service”).
Information Collection And Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
- Email address
- Cookies and Usage Data
We may also collect information about how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Tracking & Cookies Data
Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
- Session Cookies. We use Session Cookies to operate our Service.
- Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
- Security Cookies. We use Security Cookies for security purposes.
Use of Data
MichaelSaves.com uses the collected data for various purposes:
- To provide and maintain the Service
- To notify you about changes to our Service
- To allow you to participate in interactive features of our Service when you choose to do so
- To provide customer care and support
- To provide analysis or valuable information so that we can improve the Service
- To monitor the usage of the Service
- To detect, prevent and address technical issues
Transfer Of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there.
Disclosure Of Data
MichaelSaves.com may disclose your Personal Data in the good faith belief that such action is necessary to:
- To comply with a legal obligation
- To protect and defend the rights or property of MichaelSaves.com
- To prevent or investigate possible wrongdoing in connection with the Service
- To protect the personal safety of users of the Service or the public
- To protect against legal liability
Security Of Data
The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Links To Other Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
- By email: email@example.com