Privacy Policy

Last updated: June 8, 2020

About the Publisher: This website is independently and solely owned and operated by Kathy Summers. Should anyone else acquire this website and/or its assets, the new owner will own any information collected as outlined in these terms, and will assume all rights and obligations regarding the protection and use of that information. The reputation of Savvy California is important to me. I appreciate your trust and won’t do anything to lose that.

Affiliate Program Participation: This website participates in affiliate marketing, which means links on this site may include tracking codes. If you click on an encoded link to a merchant site, a cookie will be placed on your browser to track any sales for purposes of commissions. Savvy California is also participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and links to Amazon.com.  As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program uses cookies to track visits for the purposes of assigning commission on these sales.

Children: This website does not intentionally gather personal information about users who are under the age of 16.

Contests: This website may host giveaways and contests. This website is not responsible for the accuracy of the details of each freebie offered or its fulfillment. The organization providing the item remains fully responsible for providing its description and handling fulfillment. Contest entrants agree to hold this website harmless in the event that an organization does not fulfill its obligations.

Content: This website’s owner may post about special offers and discounts served by others, and will post the details of those deals to the best of her knowledge. The owner of this website is not responsible for the accuracy or fulfillment. Users of this website maintain sole responsibility for checking with vendors and merchants mentioned here to verify the current validity of any deal.

Cookies: This website, its subscription management services, and/or its advertisers may use cookies to track users and improve their navigation experience.

Disclaimer: The content on this website is offered only as a public service to the web community and is not the presented by any of the official venues mentioned or reviewed. What is written here does not constitute professional or legal advice. The reader assumes all liability and by so reading, indemnifies this site, its owners and authors from any liability, present and future resulting from their action or inaction.

Embedded content: Pages on this site may include embedded content from other websites (such as videos and images). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may use cookies and third-party tracking.

Newsletters: This website links to the MailChimp newsletter service, which collects and maintains a list of opt-in (only with your permission) email addresses for the Savvy California e-newsletter list. This information is never sold to or shared with other parties other than the service used to manage the subscription service. To unsubscribe, subscribers can click on the link in the email updates. The service uses tracking pixels to see when subscribers open newsletter emails and which links within the newsletter receive clicks. This information also helps me keep the newsletter content relevant to subscribers in the future.

Personal Information: When posting comments on this website, users are prompted to enter a user name, email address, and optional website; the email address is not made public on the website and is used for verification purposes only. This website reserves the right to disclose the information it collects only as required by law and when that disclosure is necessary to protect or defend its rights, property or users and/or to comply with a judicial proceeding, court order, or legal process.

Public Information: This is a public website. Any information users post in its comments section or any other part of the website will be publicly available, unless otherwise specified. This website is not responsible for any information, personal or otherwise, users choose to submit\

Security: This website relies on industry-standard security technologies and procedures to protect your personal information from unauthorized access, use, disclosure, alteration, and/or destruction. This website cannot fully eliminate security risks associated with the personal information it collects, and a breech may occur.

Updates: This website’s Terms may be changed at any time and without notice. Should this website undergo a change of ownership or make a substantial change regarding its use of personal information, this website will notify individual subscribers using any subscription management services in place. Continued use of this website’s subscription services or site indicates your acknowledgment of such changes and agreement to be bound by the terms and conditions of such changes.

Display Ads: Mediavine Programmatic Advertising

The Website uses Mediavine to manage all third-party advertising on the Website. Mediavine serves content and advertisements when you visit the Website, which may use first and third-party cookies. A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that a website can remember some information about your browsing activity on the Website. The cookie may collect information relating to your use of the Website, information about your device such as the device’s IP address and browser type, demographic data and, if you arrived at the Website via a link from a third-party site, the URL of the linking page.

First party cookies are created by the website that you are visiting. A third-party cookie is frequently used in behavioral advertising and analytics and is created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons and other similar technologies (collectively, “Tags”) may be placed on the Website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first and third-party cookies and clear your browser’s cache. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies, how to disable existing cookies and how to clear your browser’s cache. For more information about cookies and how to disable them, you can consult the information at www.allaboutcookies.org/manage-cookies/.

Without cookies you may not be able to take full advantage of the Website content and features. Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site.

The Website may collect IP addresses and location information to serve personalized ads and pass it to Mediavine. If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit http://www.networkadvertising.org/managing/opt_out.asp. You may also visit http://optout.aboutads.info/#/ and http://optout.networkadvertising.org/# to learn more information about interest-based advertising. You may download the AppChoices app at http://www.aboutads.info/appchoices to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.

Mediavine partners with the following data processors:

1. Pubmatic. You may find Pubmatic’s privacy policy through this link. The data collected on the Website may be transferred to Pubmatic and its demand partners for interest-based advertising. Statistical information and other non-cookie technologies (such as eTags and web or browser cache) may be used by third parties on this Website. Browser settings that block cookies may have no effect on these technologies, but you may clear your cache to delete such trackers. Data collected from a particular browser or device may be used with another computer or device that is linked to the browser or device on which such data was collected.
2. Criteo. You may find Criteo’s privacy policy through this link. The data collected on the Website may be transferred to Criteo and its demand partners for interest-based advertising. Criteo may collect, access, and use non-identifying data to improve the Criteo Technology and other Criteo products, programs, and/or services. This non-identifying data may include on-site user behavior and user/page content data, URLs, statistics, or internal search queries. The non-identifying data are collected through the ad call and stored with a Criteo cookie for a maximum period of 13 months.
3. Pulsepoint. You may find Pulsepoint’s privacy policy through this link.
4. LiveRamp. You may find LiveRamp’s privacy policy through this link. When you use the Website, we share information that we may collect from you, such as your email (in hashed, de-identified form), IP address or information about your browser or operating system, with LiveRamp Inc, and its group companies (‘LiveRamp’). LiveRamp may use a cookie on your browser and match your shared information to their on- and offline marketing databases and those of its advertising partners to create a link between your browser and information in those other databases. This link may be shared by our partners globally for the purpose of enabling interest-based content or advertising throughout your online experience (e.g. cross device, web, email, in-app, etc.) by third parties unaffiliated with our website. These third parties may in turn link further demographic or interest-based information to your browser. To opt out of LiveRamp’s targeted advertising, please go here: https://liveramp.com/opt_out/
5. RhythmOne. You may view RhythmOne’s privacy policy through this link. RhythmOne uses cookies and similar tracking technologies (such as mobile device identifiers and digital fingerprinting) to provide its services. RhythmOne may use aggregated information (not including your name, address, email address or telephone number) about your visits to this and other Websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please visit the following webpage: http://www.networkadvertising.org/managing/opt_out.asp.
6. District M. You may find District M’s privacy policy through this link.
7. YieldMo. You may find YieldMo’s privacy policy through this link. If you want to opt out of receiving interest based ads from Yieldmo or exercise your right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of your personal information, you may do so through this link.
8. The Rubicon Project. You may find Rubicon’s privacy policy through this link. If you want to opt out of receiving interest based ads from Rubicon or exercise your right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of your personal information, you may do so through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page.
9. Amazon Publisher Services. You may find Amazon Publisher Services’ privacy policy through this link.
10. AppNexus. You may find the AppNexus privacy policy through this link.
11. OpenX. You may find OpenX’s privacy policy through this link.
12. Verizon Media formerly known as Oath. You may find Verizon Media’s privacy policy through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising.
13. TripleLift. You may find TripleLift’s privacy policy through this link. To opt out of receiving interest-based advertising (including retargeting) from TripleLift’s services through the use of cookies in your current browser and for more information on what it means to opt-out, please go to www.triplelift.com/consumer-opt-out.
14. Index Exchange. You may find Index Exchange’s privacy policy through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising.
15. Sovrn. You may find Sovrn’s privacy policy through this link.
16. GumGum. You may find GumGum’s privacy policy through this link. GumGum may (i) use place and use cookies on end users’ browsers or use web beacons to collect information about end users who visit such Publisher Websites and (ii) link such collected end user information to other end user information provided by third parties in order to deliver targeted Advertisements to such end users.
17. Digital Remedy. You may find Digital Remedy’s privacy policy through this link.
18. MediaGrid. You may find MediaGrid’s privacy policy through this link. MediaGrid may collect and store information about end-user interactions with this website through cookies, advertising IDS, pixels and server-to-server connections. MediaGrid was receive the following information: the page an End-User has requested and the referring/exit pages; Timestamp information (i.e., the date and time the End-User has visited the page); IP address; mobile device identifier; device model; device operating system; browser type; carrier; gender; age; geolocation (including GPS coordinates); clickstream data; cookie information; first-party identifiers’; and hashed email addresses; demographic and inferred interest information; and post-conversion data (from both online and offline behaviour). Some of this data is gathered from this website and others is gathered from advertisers. MediaGrid uses this data to provide its services. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising or review their privacy policy for more information.
19. RevContent – You may find RevContent’s privacy policy through this link. RevContent may collect information about your browser or device, including browser type, IP Address, device type, user agent string, and operating system. RevContent also collects information about the websites you visit through their services, such as date and time of access and specific pages accessed and the content and ads you click on. You may opt-out of any personalization track by opting-out of RevContent’s data collection.
20. Centro, Inc. – You may find Centro’s privacy policy through this link. You may find opt-out information for Centro’s services through the privacy policy link.
21. 33Across, Inc. – You may find 33Across’s privacy policy through this link. To opt-out of personalized advertising, please visit https://optout.networkadvertising.org/?c=1.
22. Conversant. LLC – You may find Conversant’s privacy policy through this link. Conversant uses information that does not directly identify you, such as information about your browser type, time and date of visit, your browsing or transaction activity, the subject of advertisements clicked or scrolled over, and a unique identifier (such as a cookie string, or a unique advertising identifier provided by your mobile device) during your visits to this and other websites and apps in order to provide advertisements about goods and services likely to be of greater interest to you. Conversant may use technologies such as cookies and other tracking technologies to collect this information. To learn more about interest-based advertising, or to opt-out, you can visit www.youronlinechoices.eu or https://www.networkadvertising.org/.

California Consumer Privacy Information

We and our advertising partners collect personal information (such as the cookies stored on your browser, the advertising identifier on your mobile device, or the IP address of your device) when you visit our site. We, and our partners, use this information to tailor and deliver ads to you on our site, or to help tailor ads to you when you visit others’ sites. To tailor ads that may be more relevant to you, we and/or our partners may share the information we collect with third parties.

To learn more about the information we collect and use for advertising purposes, please see our Privacy Policy. If you do not wish for us or our partners to sell your personal information to third parties for advertising purposes, select the applicable control from the “Do Not Sell My Personal Information” link provided. Note that although we will not sell your personal information after you click that button, we will continue to share some personal information with our partners (who will function as our service providers in such instance) to help us perform advertising-related functions such as, but not limited to, measuring the effectiveness of our ads, managing how many times you may see an ad, reporting on the performance of our ads, ensuring services are working correctly and securely, providing aggregate statistics and analytics, improving when and where you may see ads and/or reducing ad fraud.

If you access this site from other devices or browsers, visit the link below from those devices or browsers to ensure your choice applies to the data collected when you use those devices or browsers. Additionally, although clicking the “Do Not Sell My Personal Information” link will opt you out of the sale of your personal information for advertising purposes, it will not opt you out of the use of previously collected and sold personal information (except for personal information sold within 90 days prior to your exercising your right to opt out) or all interest-based advertising.

If you would like more information about how to opt out of interest-based advertising in desktop and mobile browsers on a particular device, please visit http://optout.aboutads.info/#/ and http://optout.networkadvertising.org/#. You may download the AppChoices app at http://www.aboutads.info/appchoices to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.