Privacy Policy

Privacy Policy

The privacy of our visitors to Credit Card Smarts is important to us. At Credit Card Smarts, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use visit Credit Card Smarts, and how we safeguard your information. We never sell your personal information to third parties.

Log Files

As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons

We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

Information collected by third-parties.

We may allow third-party companies that use tracking technologies, such as cookies or pixels, to record IP information about users who visit or interact with our website. Our website does not provide any personal information to these third parties. This information allows them to deliver targeted advertisements and gauge their effectiveness. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative which offers a single location to opt out of ad targeting from member companies.

Some of these advertisers may use technology such as cookies, DART cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed.  Use of cookies is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).  The use of DART cookies enables advertisers such as Google Adsense to serve ads based on your visit and your visits to other sites on the Internet.  Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

General Disclaimer

The content of creditcardsmarts.org is for general information purposes only and does not constitute professional advice. creditcardsmarts.org tries to provide content that is true and accurate as of the date of writing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. Visitors to creditcardsmarts.org should not act upon the content or information without first seeking appropriate professional advice.

creditcardsmarts.org is not intended to be a source for professional advice. Visitors to creditcardsmarts.org should always seek the advice of an appropriately qualified professional. creditcardsmarts.org assumes no responsibility for information contained on this web site and disclaims all liability in respect of such information.  In addition, none of its content will form any part of any contract between us or constitute any type of offer by creditcardsmarts.org.  Specific disclaimers may apply in addition to certain content or parts of the site.

creditcardsmarts.org accepts no responsibility for and excludes all liability in connection with browsing this web site, use of information or downloading any materials from it, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.  The information at this web site might include opinions or views which, unless expressly stated otherwise, are not necessarily those ofcreditcardsmarts.org or any associated company or any person in relation to whom they would have any liability or responsibility.

All content and information atcreditcardsmarts.org might be changed or updated without notice.  creditcardsmarts.org might also make changes or improvements at any time without notice.

This web site is provided “as is” and creditcardsmarts.org expressly disclaims any and all warranties, express or implied, to the extent permitted by law, including but not limited to warranties of satisfactory quality, merchantability, or fitness for a particular purpose, with respect to the service or any materials.

creditcardsmarts.org hereby excludes liability for any claims, losses, demands, or damages of any kind whatsoever with regard to any information, content, or services provided at our web site, including but not limited to direct, indirect, incidental, or consequential loss or damages, compensatory damages, loss of profits, or data, or otherwise.

Disclaimer of Endorsement

Reference within this site to any specific commercial or non-commercial product, process, or service by trade name, trademark, manufacturer or otherwise does not constitute or imply an endorsement, recommendation, or favoring by creditcardsmarts.org.

The views and opinions of the authors of content published at creditcardsmarts.org  does not necessarily state or reflect the opinion of creditcardsmarts.org or its owners, and cannot be used for advertising or product endorsement purposes.

References to books, software, web sites, or products as “Recommended by creditcardsmarts.org” are specific suggestions only and do not necessarily constitute or imply an endorsement.

Disclaimer for Links to External, Third Party Web Sites

Links to external, or third party web sites, are provided solely for visitors’ convenience. Links taken to other sites are done so at your own risk and creditcardsmarts.org accepts no liability for any linked sites or their content. When you access an external web site, keep in mind that creditcardsmarts.org has no control over its content.

Any link from creditcardsmarts.org to an external web site does not imply or mean that creditcardsmarts.org endorses or accepts any responsibility for the content or the use of such web site.  creditcardsmarts.org does not give any representation regarding the quality, safety, suitability, or reliability of any external web sites or any of the content or materials contained in them.  It is important for users to take necessary precautions, especially to ensure appropriate safety from viruses, worms, Trojan horses and other potentially destructive items.

When visiting external web sites, users should review those web sites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.