This Privacy Policy explains how Tomorrow’s Dollar collects, uses, and/or discloses certain personal information obtained through our website: www.tomorrowsdollar.com. By browsing our website or using the features within, you agree to the terms of this policy. Please note, our website is directed at readers who live in the United States.
What information we collect and maintain about you
We may collect Personal Information about you when you interact with our Site. “Personal Information” is any information that can be used to identify you or that we can link to you. The following provides examples of the types of information that we collect from you and how we use that information.
If you choose to apply for a credit card, loan, or other financial product mentioned on our site, you will be redirected to a secure page on the correlating financial institution’s website. There, you will be asked to provide personal information as required, to be considered for that financial product or service. Tomorrow’s Dollar does not collect or receive any of this information that you provide on that financial institution’s or company’s site.
Cookies and Web Log Information
We may automatically collect non-identifying information when you access or interact with our website. This can include information such as your IP address, internet service provider, when you visited, how you used the site, how you navigated to or left our site, your browser type, and your non-specific location (such as your city and state, or region). This information may be collected through:
- Web log data. We may use web logs or applications that recognize your computer and gather information.
- First-party cookies. We do not currently use cookies but reserve the right to use cookies on the website in the future. A cookie is stored by your browser and allows the website to recognize whether you have visited before. You can choose for your browser to refuse all cookies or to indicate when a cookie is being set. You can also delete existing cookies from your computer.
- Web beacons. Emails received from Tomorrow’s Dollar may implement a “web beacon” (AKA “clear gif” or “pixel tag”). This can be embedded in a web page or email to transmit information, like whether a user has opened a specific newsletter.
- Third-party online tracking and behavioral advertising. We may partner with certain third parties to collect, analyze, and use some of the Personal Information described in this section. For example, we may allow third parties to set cookies or use web beacons or other tracking mechanisms (such as tags or scripts) on the Site or in email communications from us. This information may be used for a variety of purposes, including online behavioral advertising, as discussed below (see the section entitled “Third-Party Analytics and Advertising”).
How We Use Your Information
Information collected about you can be used for a variety of purposes. If we are given access to your personal information, we may use it to:
- respond to questions or requests about the site and its services;
- fulfill any requests;
- send you information about us, our site, or other topics that may be of interest to you, including surveys, newsletters, and updates;
- deliver notifications;
- improve the user experience and quality of our website;
- comply with legal and/or regulatory requirements;
- manage our business;
- count and recognize visitors to our website and analyze how those visitors use our site;
- improve this site and enhance the users experience;
- create new products and services or improving existing products and services;
- engage in analytics or targeted advertising (see the “Third-Party Analytics and Advertising” section below for more information); and
- for any other business purpose permitted by law, including any purpose for which we use personal information.
Consent
Consent to the terms and data transmission of this site may be provided expressly or implied.
How We Share Your Information with Third Parties
We may share your Personal Information with other parties for a variety of purposes, as described below.
Affiliates. We may share Personal Information with our corporate affiliates for the purposes described in this Policy.
Service providers. Webpals uses service providers that perform services on our behalf, including web-hosting companies, emailing vendors, and analytics providers. These service providers may collect and/or use your Personal Information to assist us in achieving the purposes discussed above.
We may also share your Personal Information with other service providers when necessary to fulfill your requests for services; to meet the terms of any agreement that you have with us or our partners; or to manage our business.
Your direct sharing of personal information through the Site or third-party websites and services. We may allow third-party behavioral tracking through our website, as well as the ability to willingly share your information with third-party companies, websites, or services. Any information you provide to those third parties is bound to the terms and policies of those companies, and the security of that information is the responsibility of that company, not Tomorrow’s Dollar.
Surveys. We may promote participation in surveys from time-to-time, which may be processed by us or others. These surveys allow us to understand your use of the website, interests, and can help improve our advertising. Any personal information provided in connection with these surveys will be exclusively used in relation to that survey. Participation in surveys through our website or newsletter is always voluntary.
Third-Party plugins. We may embed select third-party plugins and social media integrations, such as Pinterest ‘Share’ or Facebook ‘Like’ buttons. Even if you do not click on these, they may still collect non-identifying information about you, such as your IP address and the pages that you view. They also may set and/or access a cookie. These plugins are governed by the privacy policy of the company providing them.
Third-Party Analytics and Advertising
Analytics. Our site may use Google Analytics to help collect and analyze certain visitor information. You may opt out of the use of cookies by visiting the Google Analytics page here.
Third-party links
This website contains links to third-party websites, which have their own privacy policies. We implement best practices when determining which links to provide to visitors, but if you choose to follow an outgoing link from Tomorrow’s Dollar, we are not responsible for the privacy or practices of these external websites. We always encourage you to remain aware when you leave Tomorrow’s Dollar, and to read the privacy policies applicable to such third-party websites.
Third-Party Disclosure
We do not sell, trade, or transfer your personally identifiable information to third parties without advance notice. This excludes web hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, as long as those parties agree to keep our users’ information confidential. We reserve the right to release select information when necessary to comply with the law, enforce site policies, or protect the rights, property, or safety of others and ourselves.
Non-identifiable visitor information may be provided to other parties for the purposes of marketing, advertising, etc..
Choice
You may have certain rights and options available to you as it relates to your personal data.
- Promotional Emails. If you choose to provide us with your email address, we may send free newsletters, offers, surveys, or other promotional materials to the address provided. We may also include targeted offers from third parties. You can choose to stop receiving all promotional emails from Tomorrow’s Dollar by following the unsubscribe instructions in those e-mails. Even if you decide to stop receiving promotional emails, we may still contact you with service-related communications as necessary.
Data Security
To prevent unauthorized use or access, maintain the accuracy of data, and ensure the correct use of any and all information, we employ commercially available procedures procedures to safeguard any information we collect. However, we cannot guarantee the security of any information that you transmit to or through this site, and transmitting such information is done at your own risk.
COPPA (Children Online Privacy Protection Act)
The Federal Trade Commission (FTC) is a consumer protection agency responsible for enforcing the COPPA Rule, or the Children’s Online Privacy Protection Act (COPPA). This rule spells out what managers of websites and online services are required to do in order to protect children’s privacy and safety online, particularly for online users under the age of 13.
We do not market our website or the content therein to children under 13, nor do we knowingly collect any personal identifying information from minor visitors or users under the age of 18.
California Online Privacy Protection Act
CalOPPA requires websites and online services to publicly post a privacy policy on their site. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. See more here.
In accordance with CalOPPA, we hereby affirm that:
- Users are able to visit and navigate our site anonymously
- This privacy policy will remain published on our website and accessible from both the home page and individual pages
- Our Privacy Policy link includes the word ‘Privacy’ and can be easily located
- Users will be alerted to any changes to this policy on our Privacy Policy page
Changes to This Policy
Tomorrow’s Dollar reserves the right to make changes to this website in the future. If this occurs, revisions to this Privacy Policy may also be made to reflect website changes. We will always post about such changes, so you should review this page periodically to be sure that you are up-to-date.
Contacting Us
If you have questions, comments, or complaints about our privacy practices, please contact us at the email or mailing address below. We will try to respond to your message prompty and provide you with additional privacy-related information.
PO BOX 791, Boerne, Texas 78006