Affiliate Disclosure
TopMoneyGuide.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for website owners to earn advertising fees by advertising and linking to amazon (.com, .co.uk, .ca etc) and any other website that may be affiliated with Amazon Service LLC Associates Program. As an Amazon Associate, we earn from qualifying purchases.
There are links on this site that can be defined as "affiliate links", they allow companies to track where clicks to their websites are coming from. This means that we may receive a small commission (at no cost to you) if you subscribe or purchase something after clicking one of these links.
Buying through those links does not cost you anything extra, and whether you buy through them or not is totally up to you. However, if you happen to really like the product we are promoting and decide to use our affiliate link, we would be very grateful for your support.
If you have any questions about this, feel free to reach out via contact form.
Terms and Conditions
1. Terms
By accessing the website at TopMoneyGuide.com, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on TopMoneyGuide.com’s website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
- modify or copy the materials;
- use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
- attempt to decompile or reverse engineer any software contained on TopMoneyGuide.com’s website;
remove any copyright or other proprietary notations from the materials; or
- transfer the materials to another person or “mirror” the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by TopMoneyGuide.com at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer
The materials on TopMoneyGuide.com’s website are provided on an ‘as is’ basis. TopMoneyGuide.com makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
Further, TopMoneyGuide.com does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
4. Limitations
In no event shall TopMoneyGuide.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on TopMoneyGuide.com’s website, even if TopMoneyGuide.com or a TopMoneyGuide.comauthorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Accuracy of materials
The materials appearing on TopMoneyGuide.com website could include technical, typographical, or photographic errors. TopMoneyGuide.com does not warrant that any of the materials on its website are accurate, complete or current. TopMoneyGuide.com may make changes to the materials contained on its website at any time without notice. However TopMoneyGuide.com does not make any commitment to update the materials.
6. Links
TopMoneyGuide.com has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by TopMoneyGuide.com of the site. Use of any such linked website is at the user’s own risk.
7. Modifications
TopMoneyGuide.com may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.
8. Governing Law
These terms and conditions are governed by and construed in accordance with the laws of Netherlands and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.
Privacy Policy
1. INTRODUCTION
1.1. PURPOSE OF POLICY
TopMoneyGuide.com (“us”, “we,” “Company”) is committed to respecting the data privacy rights of visitors and other users of TopMoneyGuide.com (the “Site”).
We created this Privacy Policy (this “Policy”) to give you confidence as you visit and use the Site, and to demonstrate our commitment to fair information practices. This Policy is only applicable to the Site, and not to any other websites that you may be able to access from the Site, each of which may have data collection and use practices and policies that differ materially from this Policy.
1.2. NOTICE CONCERNING CHILDREN
PLEASE NOTE: We are a general audience site, and do not direct any of our content specifically at children under 13 years of age pursuant to the Children’s Online Privacy Protection Act of 1998.
2. INFORMATION COLLECTION PRACTICES
2.1. WHAT BASIC INFORMATION DOES THE COMPANY COLLECT?
In operating the Site, we collect personal information from you in a couple different situations. The first is if you should contact us via the “contact” page. In doing so, you will provide us with your name and email address. The second is if you leave a comment to a blog post during which you may be asked for a name and other information. You are not required to provide us with information via these two methods to use and enjoy the Site. We require this information in order to be able to communicate with you e.g. to reply to any queries you might have.
2.2. WHAT ADDITIONAL INFORMATION DOES COMPANY COLLECT?
(a) AUTOMATIC COLLECTION. Our servers automatically recognize visitors’ domain names and IP addresses (the number assigned to computers on the Internet). The Site may also gather anonymous “traffic data” that does not personally identify you. This information is gathered for marketing purposes and to improve the services we offer to you.
(b) COOKIES. From time to time, we may use the standard “cookies” feature of major browser applications that allows us to store a small piece of data on your computer about your visit to our Site. Cookies help us learn which areas of our Site are useful and which areas need improvement through programs including, but not limited to, Google Analytics.
We may also use cookies from third party social sites and programs including, but not limited to, Facebook, Google Plus and Twitter. You can choose to disable cookies through your browser or independent programs available online. However, if you choose to disable this function, your experience at our Site may be diminished as some features may not work as they were intended.
(c) SPONSORS AND ADVERTISERS. We may use cookies to deliver content, including ads, relevant to your interests on our and third party sites based on how you interact with our advertisements or content. We have set out further information about the use of cookies by our Ad Network partners below. Your use of our site indicates your consent to such use of cookies.
2.3. GDPR Compliance
(a) Our data collection process is based upon Web Analytics, this data collection process may include anonymous, individual visitor click behavior. However, no personally identifiable information is obtained or shared with the Web Analytics company. Partners that may obtain this anonymous information are Google Analytics, Google AdSense, Taboola, Revcontent and Sulvo. Our Policies are in compliance with the updated General Data Protection Regulations applied by the European Union.
(b) In depth information can be found here GDPR. To unsubscribe from data collection services please visit this Google
3. USE AND SHARING OF INFORMATION
3.1. WHAT DOES COMPANY DO WITH COLLECTED INFORMATION?
(a) PERSONAL INFORMATION. We do not disclose the personally identifiable information to any third parties other than those that we use to facilitate the functioning of the site such as a hosting company and email program for mailings.
(b) ANONYMOUS INFORMATION. We use anonymous information to analyze our Site traffic. In addition, we may use anonymous IP addresses to help diagnose problems with our server, to administer our site, or to display the content according to your preferences. Traffic and transaction information may also be shared with business partners and advertisers on an aggregate and anonymous basis.
(c) USE OF COOKIES. Promotions or advertisements displayed on our site may contain cookies. We do not have access to or control over information collected by outside advertisers on our site.
(d) DISCLOSURE OF PERSONAL INFORMATION. We may disclose any information we have for you if required to do so by law or in the good-faith belief that such action is necessary to (1) conform to the edicts of the law or comply with legal process served on us, (2) protect and defend our rights or property or the users of the Site, or (3) act under exigent circumstances to protect the safety of the public or users of the Site.
(e) SALE OF INFORMATION. In order to accommodate changes in our business, we may sell or buy portions of the Site or our company, including the information collected through this Site. If Company or substantially all of its assets are acquired by a third party, user information will be one of the assets transferred to the acquirer.
4. SECURITY
The Site has security measures in place to prevent the loss, misuse, and alteration of the information that we obtain from you, but we make no assurances about our ability to prevent any such loss to you or to any third party arising out of any such loss, misuse, or alteration.
5. WEBSITE AREAS BEYOND COMPANY’S CONTROL
5.1. THIRD PARTY WEBSITES
From time-to-time, the Site may contain links to other websites. If you choose to visit those websites, it is important to understand our privacy practices and terms of use do not extend to those sites. It is your responsibility to review the privacy policies at those websites to confirm that you understand and agree with their practices.
6. CONTACT INFORMATION AND POLICY UPDATES
6.1. CONTACTING US
If you have any questions about this Policy or our practices related to this Site, please feel contact us using the “Contact” link on the menu located at the top of the site.
6.2. UPDATES AND CHANGES
We reserve the right, at any time, to add to, change, update, or modify this Policy to reflect changes in our Privacy Policy. We shall post any such changes on the Site in a conspicuous area. You may then choose whether you wish to accept said policy changes or discontinue using the Site. Any such change, update, or modification will be effective 30 days after posting on the Site. It is your responsibility to review this Policy from time to time to ensure that you continue to agree with all of its terms.
(a) If you have signed up for email communications from us, we will notify you of the privacy policy changes by email as well.
