Disclaimer  

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 michaelsavesmedia@gmail.com.

Ad Disclosure

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, CJ.com and Amazon Associates. I also share personal referral links for several apps.

When a reader clicks on one of my links, I may receive a small commission.

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.

Example affiliate link with banner ad:

Savings Builder

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.

Privacy Policy

Effective date: December 22, 2018

MichaelSaves.com (“us”, “we”, or “our”) operates the https://michaelsaves.com website (the “Service”).

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. Our Privacy Policy for MichaelSaves.com is based on the Free Privacy Policy Template Website.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from https://michaelsaves.com

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

Personal Data

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

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

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

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.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

MichaelSaves.com will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data

Legal Requirements

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.

Service Providers

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.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

  • Google AnalyticsGoogle Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children’s Privacy

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.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact

If you have any questions about this Privacy Policy, please contact Michael Timmermann:

  • By email: michaelsavesmedia@gmail.com