Privacy Policy

At Savewell Finance, we care about your privacy and want you to feel comfortable and secure in your use of our site (www.savewellfinance.com). That is why we do not sell or share personal information about you with other people or non-affiliated companies apart from providing products or services you have specifically requested.

We urge you to read this notice explaining our online information practices. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information. By using this site, you are accepting the practices described in this Privacy Policy.

Information Collection and Use

Personal Information – this is “individually identifiable” information you provide to us when requesting information through our site.

We collect and use personal information about you to respond to any requests you make for information, products and/or services offered through this website. Even though some personal information we gather from you may be considered publicly available through government records or other public sources, we treat all personal information submitted by you as nonpublic personal information.

The information we collect may be from the following places:

Information you supply to us when you sign up to receive communication from us (example: your email address).
Information provided by you in association with calculating your retirement savings, social security, or other personal finance scenarios.

Information Sharing and Disclosure

We do not sell and share personal information about you with other people or non-affiliated companies apart from providing products or services you have specifically requested or under the following conditions:

We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests.

To opt-out of interest-based advertising by participating companies in the following consumer choice mechanisms, please visit:

Digital Advertising Alliance (DAA)’s self-regulatory opt-out page (http://optout.aboutads.info/) and mobile application-based “AppChoices” download page (https://youradchoices.com/appchoices)
European Interactive Digital Advertising Alliance (EDAA)’s consumer opt-out page (http://youronlinechoices.eu)
Network Advertising Initiative (NAI)’s self-regulatory opt-out page (http://optout.networkadvertising.org/)

Please note this does not opt you out of being served ads. You will continue to receive generic ads.

Anti-Spam Policy

With the exception of transactional email messages confirming or following up an action you’ve taken on our website, SavewellFinance.com will only send email communications to you if you opt to submit your email address to us or register to receive them. With the exception of transactional email messages confirming or following up an action you’ve taken on our website, SavewellFinance.com will include an opt-out opportunity to unsubscribe in all email communications.

We do not tolerate Spam and have established firm rules for dealing with any third party email services to ensure that advertisements for SavewellFinance.com are not sent out through a “Spam” mailing. Any third party email publishers that refuse to abide by SavewellFinance.com’s anti-Spam policy will be dropped as service providers. If you want to stop receiving emails from a third party, you should follow the opt-out instructions included in the third party email so that you will not be included in any future mailings. If the third party email publisher is unresponsive to your requests, please let us know atsupport@savewellfinance.com.

IP Addresses and Cookies

As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.

We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and site functionality.

We and our partners use technologies such as cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. Users can control the use of cookies at the individual browser level.

Confidentiality and Security

The security of your personal information is very important at SavewellFinance.com, and we take a number of steps to safeguard it. For example:

We limit access to personal information to those employees or agents who have a need to know such information in order to assist in providing requested products and services to you. They are required to adhere to strict policies and procedures regarding the handling of your personal information.
We use industry standard data encryption technologies when sending and receiving consumer information on the SavewellFinance.com website.
We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect personal information about you.

No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

Opting-Out

If you register or otherwise opt to receive communications from us, such as completing an online form, we will periodically send you newsletters and other e-mails featuring educational information, special offers, and other members-only benefits. If you would like to stop receiving these communications, please let us know by sending an email tosupport@savewellfinance.com(you may also opt-out by clicking on the unsubscribe link in our emails).

Our email database is updated regularly. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request.

Third Party Links

This Privacy Policy applies to all information that you provide to SavewellFinance.com. Please keep in mind, when you visit websites to which SavewellFinance.com provides a link, you will be dealing with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is covered by that third party’s privacy policy. We recommend you review the privacy policies of any other service provider from whom you request services.

Children’s Privacy

SavewellFinance.com does not knowingly collect information from children under the age of 16. If we learn that we have collected Personal Information of a child under the age of 16, we will delete that data from our systems.

Updating Your Information

Upon request SavewellFinance.com will provide you with information about whether we hold any of your personal information. You also have the right to amend or update inaccurate or incomplete personal information, request deletion of your personal information, or request that we no longer use it. Under certain circumstances we will not be able to fulfill your request, such as if it interferes with our regulatory obligations, affects legal matters, we cannot verify your identity, or it involves disproportionate cost or effort, but in any event we will respond to your request within a reasonable timeframe and provide you with an explanation. In order to make such requests of us, please contactsupport@savewellfinance.com. You can also write us at the address below and request that your personal information be updated. We will respond to your request within a reasonable timeframe (no more than 45 days).

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us atsupport@savewellfinance.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Policy, you may contact us by sending an email to:support@SavewellFinance.com.

Changes to this Privacy Policy

SavewellFinance.com may update or amend this Privacy Policy from time to time. Any material changes to this Privacy Policy or in how SavewellFinance.com uses your personal information, will be posted here. You will be notified prior to the change becoming effective if any of the material changes affect the use of your personal information and will be asked to opt-in to the new use of your personal information. If you disagree with the changes to how your information will be used, please do not continue to use this website.

By using this site, you signify your assent to the SavewellFinance.com Privacy Policy. If you do not agree to this policy, please do not use any of the SavewellFinance.com site. When you request information or quotes through SavewellFinance.com, you are authorizing us to share information with our business partners, who may contact you by phone, email, or mail. If you do not wish to receive any further communications from them, please notify the partner directly. We reserve the right to make updates to this policy at any time and ask you to please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will include the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy.

State Consumer Privacy Statement

This State Consumer Privacy Statement (“Statement”) applies solely to California, Colorado, Connecticut, Utah and Virginia consumers and addresses personal information the Site collects online and offline. This Statement does not apply to personnel or job applicants of SavewellFinance.com.

This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 and its implementing regulations (the “CCPA”), the Colorado Privacy Act, the Connecticut Personal Data Privacy and Online Monitoring Act, the Utah Consumer Privacy Act, and the Virginia Consumer Data Protection Act (collectively, the State Privacy Laws). The Site did not sell personal information of consumers in the 12-month period prior to the effective date of this Statement.

1. Notice of Collection and Use of Personal Information

The Site may collect the following categories of personal information about you as described in the CCPA:

Category of Personal Information	Category of Third Party
Identifiers	Savewell Finance affiliates Third parties with whom you direct the Site to engage (e.g., social networks)
Commercial Information	Savewell Finance affiliates
Online Activity	Third parties that provide content, advertising or functionality
Sensory Information	Savewell Finance affiliates

The Site may use your personal information for the purposes described in the Savewell Finance Privacy Policy and for the following business purposes specified in the CCPA:

Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing advertising or marketing services, providing analytics services, or providing similar services
Auditing related to a current interaction with you and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance
Short-term, transient use, including, but not limited to, the contextual customization of ads shown as part of the same interaction
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity
Debugging to identify and repair errors that impair existing intended functionality
Undertaking internal research for technological development and demonstration
Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us

2. Sources of Personal Information

The Site may obtain personal information about you from the following categories of sources:

Directly from you, such as when you create an account through the Site
Your devices, such as when you visit the Site
SavewellFinance.com’s affiliates and subsidiaries
Vendors who provide services on the Site’s behalf
Online advertising services and advertising networks
Data analytics providers
Operating systems and platforms

SavewellFinance.com does not have actual knowledge that the Site sells personal information of minors under 16 years of age.

3. Sale of Personal Information

We do not sell your personal information in exchange for monetary compensation. We may allow certain third parties (such as certain ad technology companies) to collect your personal information, including via automated technologies on our Site, in exchange for non-monetary consideration (such as an enhanced ability to serve you content and send advertisements that may be of interest to you). We may disclose in this manner the following categories of personal information to online advertising services and social networks: (1) Identifiers; (2) Commercial Information; (3) Online Activity; and (4) Inferences.

4. Sharing of Personal Information

The Site may disclose the following categories of personal information about you for a business purpose to the following categories of third parties:

Identifiers: Savewell Finance affiliates, Third parties with whom you direct the Site to engage (e.g., social networks)
Commercial Information: Savewell Finance affiliates
Online Activity: Third parties that provide content, advertising or functionality
Sensory Information: Savewell Finance affiliates

5. State Privacy Law Rights

You have certain choices regarding the personal information obtained about you in connection with the Site, as described below.

Access: You have the right to request, twice in a 12-month period, the personal information the Site has collected, used, disclosed and sold about you during the past 12 months.
Automated Decision-Making: You may have the right to opt out of automated decision making, including profiling, against any information collected about you.
Correction: You may have the right to request that certain personal information the Site has collected from you which is incorrect be updated or corrected.
Deletion: You have the right to request that certain personal information the Site has collected from you be deleted.
Opt-Out of Sale: You have the right to opt-out of the sale of your personal information.
Opt-Out of Sharing: You may have the right to opt-out of the sharing of your personal information for cross-contextual behavioral advertising.Sensitive Information: You may have the right to limit the use of sensitive personal information.
Targeted Advertising: You may have the right to opt-out of targeted advertising.
“Do Not Track” Requests: The Site is not designed to respond to “do not track” signals or similar mechanisms received from browsers.

How to Submit a Request.
To submit an access, deletion, or opt out of sale of your personal information request emailsupport@savewellfinance.com.
To submit a request as an authorized agent on behalf of a consumer, emailsupport@savewellfinance.com.

Verifying Requests. To help protect your privacy and maintain security, SavewellFinance.com will take steps to verify your identity before granting you access to your personal information or complying with your request. If you have an account with the Site, SavewellFinance.com may verify your identity by requiring you to sign in to your account. If you do not have an account with the Site and you request access to or deletion of your personal information, there is no reasonable method by which SavewellFinance.com can verify your identity to the level of certainty required by the State Privacy Laws. As such, we will not be able to process your request at this time.

Additional Information. If you choose to exercise any of your rights under the State Privacy Laws, you have the right to not receive discriminatory treatment. If you require assistance in understanding this information for any reason, whether due to a disability or otherwise, please email us atsupport@SavewellFinance.com.

6. Processing Activities

Some businesses engage SavewellFinance.com as a processor or subprocessor of your information. In this situation, SavewellFinance.com’s obligations and processes are governed fully or in part by the contract with, and instructions of, the SavewellFinance.com customer.

Last updated: August 20, 2024