Disclosure and Privacy Policy

Updated: September 11, 2022

Theruffledpurse.com, (the “Site”), owned and operated by Nicki Hibbits, (“we”, “us”, or “our”} respects your privacy and takes protecting it seriously. Through this Site, we may collect certain information about you. This information may identify an individual user and/or could be used to contact or locate an individual user. 

When you use this Site, you are consenting to the collection, transfer, storage, disclosure, and other use of your information as described in this Disclosure and Privacy Policy. Please review this Disclosure and Privacy Policy carefully.

The Disclosure and Privacy Policy explains what information we collect from you, how we use that information, when/if we disclose that information to third parties, how we protect your information, and your rights as a user of this site and owner of your information. 

This Disclosure and Privacy Policy only applies to this Site and to the communications, products, and services provided through this Site. It does not apply to any third-party site or service linked to, recommended by, or referred by this Site.  

Disclosure Policy

Affiliate Program Participation

Some of my posts contain affiliate links which is done by embedding tracking links into this Site. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. 

If you click on an affiliate link and buy something, I may receive a very small commission. It does NOT result in additional charges to you or cost you anything extra. 

Mentions of associated products/services/businesses within the content of my blog may or may not be noted as an affiliate in every reference.  The affiliate money I earn per month helps pay the fees to keep this site up and running. Thanks so much for your support!

I am sometimes compensated to provide opinions on products, services, websites and various other topics.  Even though I sometimes receive compensation for posts or advertisements, I always give my honest opinions, findings, beliefs, or experiences on those topics or products.  The views and opinions expressed on this blog are purely my own.  Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

Privacy Policy

Age of Consent

By using this Site, you confirm you are at least 18 years of age. We do not knowingly solicit or collect personally identifiable information from anyone under the age of 18 on this Site. If you believe we have personal data from a child under the age of 18, please contact us at nicki@theruffledpurse.com to have that child’s information removed from our system. 

What is Personally Identifiable Information?

Personally Identifiable Information is data that may identify you. This includes name, address, email address, telephone number, IP address, cookies, usage data, password, or any other identifying information where you can be contacted, online or offline. 

What Information is Collected and How it is Used

We do not rent, sell, share, or otherwise make your personal data available to any person or business, except as required to provide the products and services on this Site.  

Information Provided by You

  • If you comment on our Site, sign up for our email newsletter, or contact us at nicki@theruffledpurse.com, we will collect your name and email address. This information may be made available to a third-party email delivery service. You may unsubscribe any time by clicking the link at the bottom of any email. If you have any issues, please contact us at nicki@theruffledpurse.com. 

This information may be used to deliver email newsletters and updates, to respond to messages/emails from you, to communicate with you about products and services you’ve purchased, to offer you additional products and services, and/or to bill you. We also use that information to the extent necessary to enforce the Site Terms of Use and to prevent imminent harm to persons or property. 

Information Provided Automatically or by Others

Other information may be collected automatically, like Google Analytics. This information may include things like location, where you go on this Site, when you visit, what links you click, your IP address, your browser type/version, and what type of device you’re connecting from. This information is used as statistical data only and does not include personal data. This information may be used by others to personalize ads. 

Some third parties may use cookies or other tracking methods to collect similar information. 

This information is used to create content, products, and/or services we think would be beneficial to you. We also use this information to track advertising and improve user experiences on our Site. 

Cookies 

We also use cookies to collect certain information from all users, including web visitors who don’t buy anything. A cookie is a string of data our system sends to your computer and then uses that data to identify your computer when you return to our Site. 

Cookies give usage data like how often you visit, where you go on the Site, and what you do on the Site. Cookies also help provide a more customized experience when you visit our Site.  

You can refuse to accept cookies by using the setting on your web browser. You can also delete past cookies in the same way. However, if you refuse cookies, you may not be able to use all the features on our Site. 

We use cookies so our Site can remember you and provide you with the information you most likely need. For example, to save your preferences and improve your user experience.  

We use cookie information to compile statistical information about the use of our Site, such as the time users spend on the Site and the pages they visit most often. Those statistics do not include personal data like name, email address, etc. 

We may have third-party content and/or advertisements on this Site that use cookies. We do not have control over these third-party cookies. If you have any questions or concerns, you should contact the third-party directly. 

Types of Cookies We Use

  • Strictly necessary cookies: These cookies are used to browse the Site and use its features. This includes things like saving your sessions, login details, and other information required to carry out other activities. These are used to save your browsing preferences and optimize your experience on the Site. 
  • Analytics cookies:  These cookies are used to track where you go on the Site and when you visit. This information is used to track traffic to the Site and may be used to personalize ads. 
  • Security cookies: These cookies are used to detect malware, viruses, and monitor for breaches to our Terms of Use
  • Social media cookies and pixels: These cookies make it possible to share Site content on social media like Facebook, Pinterest, and other external platforms. 
  • Targeting or advertising cookies: These cookies are used to monitor your browsing activity before and after you use the Site to personalize ads relevant to your interests. This information may be shared with third-party ad networks. 
  • Affiliate links: If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

Newsletter

On the Site, you may subscribe to our newsletter, which may be used for advertising purposes. All newsletters sent may contain tracking pixels.

The pixel is embedded in emails and allows an analysis of the success of online marketing campaigns.

Because of these tracking pixels, we may see if and when you open an email and which links within the email you click.

Also, this allows the Site to adapt the content of future newsletters to the interests of the user. This behavior will not be passed on to third parties.

Disclosure to Third-Parties

As Required by Law

We may disclose your personal data to attorneys, collection agencies, or law enforcement authorities if required by law. 

Embedded Content from Other Websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

Advertising

We use the Pinterest tag. Your information will be shared with third parties for online behavioral advertising. You can opt-out of online behavioral advertising through your Pinterest personalization settings and/or the AdChoices website optout.aboutads.info.

We use Facebook pixels. Facebook may use cookies, web beacons, and other storage technologies to collect or receive information from this Site and elsewhere on the internet and use that information to provide measurement services and target ads. You can learn more at Facebook’s Data Policy and also find out how to opt-out of the collection and use of information for ad targeting.

Additional information on exercising ad choices can be found at http://www.aboutads.info/choices and http://www.youronlinechoices.eu/).

The Site has third-party advertising companies serving ads to you when you visit. These companies may store information about your visits here and to other websites in order to provide you with relevant advertisements about goods and services. For example, if they know what ads you are shown while visiting this Site, they can be careful not to show you the same ones repeatedly.

These companies may employ cookies and other identifiers to gather information that measures advertising effectiveness. The information is generally not personally identifiable, unless, for example, you provide personally identifiable information to them through an ad or an email message.

They do not associate your interaction with unaffiliated sites with your identity in providing you with interest-based ads.

This Site does not provide any personal information to advertisers or to third-party sites. Advertisers and other third-parties (including the ad networks, ad-serving companies, and other service providers they may use) may assume that users who interact with or click on a personalized ad or content are part of the group that the ad or content is directed towards (for example, readers in the Pacific Northwest who read certain types of articles). Also, some third-party cookies may provide them with information about you (such as the sites where you have been shown ads or demographic information) from offline and online sources that they may use to provide you more relevant and useful advertising.

To learn more about what options you have about limiting the gathering of information by third-party ad networks, you can consult the website of the Network Advertising Initiative.

You can opt-out of participating in interest-based advertising networks, but opting out does not mean you will no longer receive online advertising. It does mean that the companies from which you opted out will no longer customize ads based on your interests and web usage patterns using cookie-based technology.

How To Opt Out Of Interest-Based Advertising
Opting Out of Interest-Based Advertising Services: This website is a member of the Network Advertising Initiative (NAI) and adheres to the NAI Codes of Conduct as described on the NAI website. This website also adheres to the Digital Advertising Alliance (DAA) Self-Regulatory Principles. For a description of the DAA Program, please visit the DAA website.

Opting Out of Interest-Based Advertising by Third Parties: To find out more about interest-based advertising on the internet and how to opt-out of information collection for this purpose by companies that participate in the Network Advertising Initiative or the Digital Advertising Alliance, visit NAI’s opt-out page or DAA’s Consumer Choice Page.

Third-Party Service Providers

We may use third-party vendors to provide various services on this Site. These third-party services will be governed by their individual privacy policies. If you have any questions about these third-parties’ privacy practices, you should consult their specific privacy policies or reach out to them directly. Third-party providers used on this Site: 

ConvertKit—We use ConvertKit as our email service provider. We use ConvertKit to collect names and email addresses and to use that information to deliver email newsletters, updates, and/or email marketing.  ConvertKit Privacy Policy

Sendowl, Teachable, Stripe, and PayPal – We use Sendowl and Teachable to deliver digital products once payment has been completed. Both Sendowl and Teachable are connected with the payment providers Stripe and PayPal. You can see their privacy policies here:

Other Third-Parties

We may disclose personally identifiable information to contractors, service providers, and other third parties we use to reasonably support our business. We will only share your personal data with these third-parties to the extent necessary to provide our product and/or services to you. 

In the event our business, or a portion thereof, is sold, or otherwise transferred, including bankruptcy, we may share personal data in connection with this transaction.  

How We Protect Your Information

We employ data security tools to protect your personal data from unauthorized access, use, alteration, and disclosure. 

In addition to general security practices, we use the following to protect your personal data: 

  • Malware scanning 
  • Secure Socket Layer (SSL) certificate 

In the event of a data security breach, we will contact you and/or the relevant authorities as required by law.

Unfortunately, even with these measures, we cannot guarantee the security of your personal data. By using our Site, you acknowledge and agree that we make no such guarantee and you use the Site at your own risk.

California Privacy Rights

As a California resident, you may request certain information regarding our disclosure of your personal data to third parties for their marketing purposes. To request this information, please contact us at nicki@theruffledpurse.com.

European Union Privacy Rights

Data Storage

This Site is a US-based site, so any information received will be transferred outside the European Economic Area (“EEA”). By using this Site and providing your personal data you agree to the transfer, storage, and processing of your data outside the EEA. 

Data Retention

We will store and process your personal data for as long as necessary to carry out the purpose it has been collected or until consent is withdrawn. After this period expires, we will delete your personal data. Therefore, some of your rights, such as right to access, right to erasure, right to change, and the right to move. All your rights relevant to your data are listed in a subsequent section of this Privacy Policy. If you have any questions, please contact us at nicki@theruffledpurse.com.

Lawful Basis of Processing Personal Data

We may process your personal data if:

  • You have given consent for one or more specific purposes;
  • The data is necessary to fulfill our agreement and/or obligations to you;
  • It is necessary to fulfill our legal obligations;
  • It is necessary for the purposes of a legitimate interest of us or a third-party.

Rights Under GDPR

If you are located in the European Union, you have certain rights under GDPR (General Data Protection Regulation). You have a right to:

  • Withdraw your consent at any time;
  • Object to the processing of your personal data; 
  • Access your data;
  • Verify and change your data;
  • Restrict processing of your data;
  • Have your personal data deleted and/or removed;
  • Receive and move your personal data;
  • Lodge a complaint.

You can exercise these rights by contacting us at nicki@theruffledpurse.com. You can exercise these rights free of charge and your request will be processed as soon as possible and always within 30 days.

Rights of Users

You can deny, access, delete, change, withdraw, and/or review the personal data provided to us at any time. However, if you decline to provide some personal data, we may not be able to provide certain services to you. 

If you want to have your personal data deleted, please contact us at nicki@theruffledpurse.com. We may be required by law to archive your information.

Notification of Changes

We may change this Privacy Policy at any time by posting a new version on this page or a successor page. The new version will become effective on the date it’s posted, which will be listed at the top of the page as the new “Effective Date”. 

Contact Information

This Site is owned and operated by Nicki Hibbits. For purposes of GDPR, our Data Controller is Nicki Hibbits. Our mailing address is PO Box 700431 San Antonio, TX 78270. If you have any questions or comments about this Privacy Policy, please contact us at nicki@theruffledpurse.com.