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Privacy Policy

Revised July 2, 2020

As the owner of this website (the "Site"), Kellam Media And Publishing, Inc. dba Living On A Dime ("we" or "us") understands that your privacy is of critical importance. This Privacy Policy describes what information we collect from you via the Site and how we use and disclose such information.

Personal Information We Collect

When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as "Device Information."

We collect Device Information using the following technologies:

  • "Cookies" are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
  • "Log files" track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
  • "Web beacons," "tags," and "pixels" are electronic files used to record information about how you browse the Site.

Our Use of Cookies

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

We use cookies for the following purposes:

  1. Authentication - We use cookies to identify you when you visit our website and as you navigate our website if you are a logged in user;
  2. Status - We use cookies to help us to determine if you are logged into our website;
  3. Personalization - We use cookies to store information about your preferences and to personalize the website for you;
  4. Security - We use cookies as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally;
  5. Advertising - We use cookies to help us display advertisements that will be relevant to you]; and
  6. Analysis - We use cookies to help us analyze the use and performance of our website and services];

 

We use Google Analytics to analyze the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google's privacy policy is available at: https://www.google.com/policies/privacy/

Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

  1. https://support.google.com/chrome/answer/95647?hl=en (Chrome);
  2. https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
  3. http://www.opera.com/help/tutorials/security/cookies/ (Opera);
  4. https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
  5. https://support.apple.com/kb/PH21411 (Safari); and
  6. https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

Please note that blocking cookies may have a negative impact on the functions of many websites, including our Site. Some features of the Site may cease to be available to you.

Advertising

This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia ("CafeMedia") for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. To learn more about CafeMedia’s data usage, click here: www.cafemedia.com/publisher-advertising-privacy-policy

 

Email Addresses

We may collect your email address, but only if you voluntarily provide it to us. This may occur, for example, if you sign up to receive an email newsletter, or enter a promotion.

We will use your email address for the purposes for which you provided it to us, and also from time to time to send you emails regarding the Site or other products or services that we believe may be of interest to you. You may opt out of such email communications at any time by clicking the "unsubscribe" button at the bottom of the email.

Additionally, you can contact us if you prefer and we will manually remove you from our newsletter list. Please include the email that you want removed and be sure that the email you provide is the one receiving the email. If you request that we remove your email manually, we will contact you once more at that email address to confirm removal.

We will not share your email address with any third parties.

If you are a resident of a country in the European Economic Area (EEA), please refer to the section below entitled "Additional Rights of EEA Residents."

Our data processor for our email newsletters is:

AWeber Communications
https://www.aweber.com/

1100 Manor Drive, Chalfont, PA 18914, USA
+1 877-293-2371

AWeber is self-certified with both the EU-U.S. Privacy Shield and Swiss-U.S. Privacy Shield, and complies with lawful transfers of EU/EEA personal data to the U.S. in accordance with their Privacy Shield Certification.

You can view the Aweber privacy policy here: https://www.aweber.com/privacy.htm

 

Transactional Data

We may process information relating to transactions, including purchases of goods and services, that you enter into with us and/or through our Site ("Transactional Data"). The Transactional Data may include your contact details, your card details and the transaction details. The transaction data may be processed for the purpose of supplying the purchased goods and services and keeping proper records of those transactions.

Our order processing is handled through our storefront at Shopify (https://www.shopify.com/) When you order a product from us, you will be directed to our Shopify Store at https://shop.livingonadime.com/ .

The Data processor for our shopping cart is:

Shopify Inc.
https://www.shopify.com/

Shopify collects information from you necessary to deliver the products and services you order from us and this information is stored on their servers. This includes your name, email address, physical address and products you order. Should you desire to have this information removed, we are able to remove it however, once removed, we will no longer be able to look up your past orders or provide order support to you, including shipment tracking and providing download links for products you ordered.

Shopify Privacy Policy:
Additional information about privacy and data handling at Shopify can be found in the Shopify Privacy Policy here.

 

Payment Processing

Payment processing on our Shopify Store is handled by our payment services providers, Shopify Payments and Paypal. We DO NOT receive or store your payment information on our servers at LivingOnADime.com.

When you place your order, you are directed to Shopify and the appropriate payment processor, who receives your personal information and financial data necessary to process your payment and complete your transaction for goods and services you elect to order from us. At the time of checkout, you are able to select credit/debit/bank transfer or Paypal as payment options. The default payment processor for credit/debit/bank transfers is Shopify Payments and payment information is sent from you via secure means directly to Shopify Payments without our receiving or recording it.

If you choose to pay by Paypal, then you will be redirected to a secure page at Paypal and all of your personal information and financial data necessary to process your payment and complete your transaction will be sent directly from you to Paypal. We DO NOT receive or store your payment information on our servers at LivingOnADime.com.. Paypal receives your payment directly and only provides us information about what you ordered and how much you were charged, along with your contact information for the order.

We will share transaction data with our payment services providers only to the extent necessary for the purposes of processing your payments, refunding such payments and dealing with complaints and queries relating to such payments and refunds. The payment processors DO NOT share details of your financial data (accounts) with us and at no time do we store this information.

You can find information about the payment services providers' privacy policies and practices here:

Shopify:

Privacy Policy: https://stripe.com/us/privacy

Shopify Inc. ATTN: Legal/Privacy Team
150 Elgin St.
8th Fl.
Ottawa, ON K2P 1L4
Canada

 

Paypal
2211 North First Street San Jose, California 95131
+1 (888) 221-1161

Privacy Policy: https://www.paypal.com/us/webapps/mpp/ua/privacy-full

Legal Agreements for PayPal Services: https://www.paypal.com/us/webapps/mpp/ua/legalhub-full

 

Website Comments

If you elect to comment on our website, the name you enter with the comment as well as the actual comment text are recorded and displayed on the post where you made the comment.

When you leave a comment on our website, your name, email address, and website information is stored in a browser cookie. This cookie allows our Site to automatically fill in your user’s information in the comment form on your next visit.

If you are a resident of a country in the EEA, there will be a checkbox labeled, "Save my name, email, and website in this browser for the next time I comment" below the submit button. If you do not check this box, your personal information will not be recorded.

Any user can delete stored cookies at any time from their web browser by going to the privacy section on their browser’s settings.

 

Additional Rights of EEA (European Economic Area) Residents

If you are a resident of a country in the EEA, you have the rights, among others, to:

  1. access your personal data
  2. ensure the accuracy of your personal data
  3. the right to have us delete your personal data
  4. the right to restrict further processing of your personal data, and
  5. the right to complain to a supervisory authority in your country of residence in the event that data is misused

If you believe that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your residence, your place of work or the place of the alleged infringement.

You may exercise any of your rights in relation to your personal data by written notice to us addressed to the following:

Michael J Kellam II
Kellam Media And Publishing, Inc. dba Living On A Dime
P.O. Box 193
Mead, CO 80542
USA

Email: editor@livingonadime.com (Please include "Personal Data Processing Request" in the subject line of your email.)

Please add editor@livingonadime.com to your email safe senders list or whitelist. We cannot reply to your email to assist you if your spam filter blocks you from receiving our email.

Tel.: +1 970 535 4493 (For personal data enquiries ONLY. All marketing calls will be disregarded.)

 

Sale of Business or Assets

In the event that the Site or substantially all of its assets is sold or disposed of as a going concern, whether by merger, sale of assets or otherwise, or in the event of an insolvency, bankruptcy or receivership, the information we have collected about you may be one of the assets sold or merged in connection with that transaction.

 

Changes to the Privacy Policy

We may change this Privacy Policy from time to time. The most recent version of the Privacy Policy will always be posted on the Site, with the "Effective Date" posted at the top of the Policy. We may revise and update this Privacy Policy if our practices change, as technology changes, or as we add new services or change existing ones. If we make any material changes to our Privacy Policy or how we handle your personal information, or we are going to use any personal information in a manner that is materially different from that stated in our Privacy Policy at the time we collected such information, we will give you a reasonable opportunity to consent to the change. If you do not consent, your personal information will be used as agreed to under the terms of the privacy policy in effect at the time we obtained that information. By using our Site or services after the Effective Date, you are deemed to consent to our then-current privacy policy. We will use information previously obtained in accordance with the Privacy Policy in effect when the information was obtained from you.

 

Contacting Us

If you have any questions about this Privacy Policy, or the practices of this Site, please contact us at editor@livingonadime.com .

Please add editor@livingonadime.com to your email safe senders list or whitelist. We cannot reply to your email to assist you if your spam filter blocks you from receiving our email. This is especially important if you use Microsoft email services like Hotmail, MSN Mail or Outlook.com.

Or write to us at:

Living On A Dime
P.O. Box 193
Mead, CO 80542
USA