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Privacy Policy

OTTERWIZE PRIVACY POLICY

Last Modified January 12, 2018.

At Otterwize, Inc. (“Otterwize”, “we”, “us” or “our”) we take your privacy and the security of your information very seriously.

This Privacy Policy (“Policy”) covers Otterwize owned and operated websites, including otterwize.com and simmeringsavings.com (“Site” or “Sites”) and any services offered by Otterwize, including any functionality offered via the site (collectively, the “Services”). This Privacy Policy is incorporated into, and is part of, our Terms of Service available at https://otterwize.com/terms-of-use which govern your access to the Site and your use of the Site and/or Services. Unless otherwise defined herein, capitalized terms shall have the meaning assigned to such terms in the Terms of Service.

If you have any questions regarding this Policy please contact us at [email protected]
The Policy describes the types of information we gather from people visiting our Site and from individual users (“you” or “users”) interacting with the Services, and how we use, transfer, and secure such information. By accessing any of our Site or using any of the Services, you agree to be bound by this Policy. This Policy does not govern information we receive from third parties. If you do not agree to the terms of this Policy, please do not use the Site, or any of our Services. Each time you use any Sites, or Services, the current version of this Privacy Policy will apply. Accordingly, when you use any Site or Services, you should check the date of this Policy (which appears at the top) and review any changes since you last reviewed the Policy.

1 Types of Information We Collect
We may collect two types of information from users of our Sites and Services: “Personal Information” which is information that you provide that can be used to identify you (such as name or e-mail address, etc.) and “Aggregate Information” which is information that cannot be used to identify you (such as frequency of visits to the Site, browser type, etc.)

1.1. Personal Information Collected

1.1.1. We collect Personal Information you voluntarily provide to us when you use our Sites and Services. For example, you may provide us with your email address, first name and last name, shipping address, or other Personal Information.

1.1.2. We do not control your use of our Sites and Services to share Personal Information with others if you choose to do so. If you chose to share information publicly through our Site or Services please understand that we cannot control the actions of third parties who could collect this information. For example, if you chose to share Personal Information within a publically available comment, we would not be able to control who had access to the Personal Information you shared.

1.1.3. Collection of Personal Information by Third Parties: Some links on our Site may redirect you to third party websites and services that Otterwize does not operate. The privacy practices of these websites and services will be governed by their own policies. We make no representation or warranty as to the privacy policies of any third parties, including the providers of third party applications. If you are submitting information to any such third party through our Site or Services, you should review and understand that party’s applicable policies, including their privacy policy, before providing your information to the third party.

1.2. Aggregate Information Collected

1.2.1. Aggregate Information is information that does not identify you. Aggregate Information may be collected when you visit our Site or interact with our Services independent of any information you voluntarily enter. We may collect, use, store, and transfer Aggregate Information without restriction.

1.2.2. For example, when you visit our Site, some information is automatically collected. Such information could include your operating system, the site from which you linked to us (“referring page”), the name of the website you chose to visit immediately after ours (called the “exit page”), information about other websites you have recently visited, browser (software used to browse the internet) type and language, device identifier numbers, your site activity, and the time and date of your visit. Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to Do Not Track signals from your browser at this time.

1.2.3. Use of “Cookies”: Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your web browser to help us identify you when you come to our website. You have choices with respect to cookies. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies you may be unable to use those aspects of our Sites which require registration in order to participate. You can learn more about cookies and how they work at www.allaboutcookies.org. You can always disable cookies through your browser settings. Doing so, however, may disable certain features on our websites. To opt-out from third party cookies that are used for advertising purposes, you can do so on the NAI website at http://www.networkadvertising.org/managing/opt_out.asp.

1.2.4. Analytics: We may use third parties, such as analytics providers, including Google Analytics to analyze traffic to this web site. Google Analytics does not create individual profiles for visitors and only collects aggregate data. To disable Google Analytics, please download the browser add-on for the deactivation of Google Analytics provided by Google at http://tools.google.com/dlpage/gaoptout?hl=en. To learn more about privacy and Google Analytics, please consult the Google Analytics overview provided by Google at http://www.google.com/intl/en/analytics/privacyoverview.html. You may find additional information about Google Analytics at http://www.google.com/policies/privacy/partners. You have the option to opt out of Google’s use of cookies by changing your settings through Google Ad Settings, or visiting the Google advertising opt-out page at http://www.google.com/policies/technologies/ads.

1.2.5. We may also use cookies, pixels, beacons, or other web tracking technologies to track the amount of time spent on our Sites or social media and whether or not certain content, such as a video was viewed. We may work with third parties to collect and process this information for us, based on our instructions and in compliance with this Privacy Policy.

1.2.6. Interest-Based Advertising: We may also participate in interest-based advertising using similar technology. This means that you may see advertising on our Sites tailored to how you browse or shop, or you may see advertising for Otterwize and its properties on other websites based on your browsing behavior across websites. Some websites where we may advertise belong to ad networks that use your web browsing history to choose which ads to display on their network websites; these ads include advertising for Otterwize and its Sites, but no Personal Information about you is shared with those third party ad networks. Other websites where you see our ads, such as Facebook, may use interest preferences that you have chosen on those sites, as well as registration and other information about you, to choose which ads to display to you. Some internet browsers, websites such as Facebook and mobile devices offer opt-outs for interest-based advertising. Please refer to the website that you are visiting, your browser and/or your device settings for additional information

1.2.7. You can opt-out of receiving interest-based ads from third parties who are members of the Network Advertising Initiative (NAI) or who follow the Digital Advertising Alliance’s Self-Regulatory Principles for Online Behavioral Advertising by visiting the opt-out pages on the NAI website (http://www.networkadvertising.org/choices) and DAA website (http://www.aboutads.info/choices).

2 Sharing of Personal Information with Third Parties

2.1 We may transfer Personal Information to third parties for the purpose of providing the Services. We may disclose Personal Information to our appropriate affiliates, including third party service providers, to provide you with the Services. For example, we may transfer your Personal Information to third party service providers to (i) provide subscription-based products or services, or (ii) communicate with you about your purchases or other offers.

2.2 We may also elect to transfer your Personal Information to third parties under special circumstances to: (i) to comply with a legal requirement, judicial proceeding, court order, or legal process served on Us, (ii) to investigate a possible crime, such as fraud or identity theft; (iii) in connection with the sale, purchase, merger, reorganization, liquidation or dissolution of Otterwize; (iv) when we believe it is necessary to protect the rights, property, or safety of Otterwize or other persons, or (v) as otherwise required or permitted by law, including any contractual obligations of Otterwize.

3 Corrections/Information Removal/Opt-Out

3.1 You can request that any Personal Information stored by Otterwize be deleted at any time by contacting us at [email protected] We may require you to provide certain information to verify that it is you making the request. We will not delete any Personal Information we are required to keep by law.

3.2 If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each communication.

4 Children and Privacy

4.1 We do not knowingly collect Personal Information from children in connection with the features of our Sites or Services. If we become aware that an individual under the age of 13 has provided personally identifiable information through our Sites or Services, we will immediately remove the individual’s personally identifiable information from our files.

5 Visitors That Reside Outside The United States

5.1 Otterwize provides its Sites and Services for the purpose of creating an enjoyable experience for its customers within the United States. Certain content provided by Otterwize will only be applicable to customers who reside within the United States. The laws governing the collection and use of information within the United States may be different from the laws of your country. If you decide to use our Site or Services, or share your Personal Information with Otterwize, you are agreeing to be governed by the laws of the United States, and you are expressly consenting to the transfer of your data to the United States.

6 How Does Otterwize Protect My Information

6.1 We take the security of your Personal Information very seriously. We use reasonable administrative, physical, and technical safeguards to secure the Personal Information you share with us. Despite these safeguards and our additional efforts to secure your information, we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third-parties will not be able to defeat our security, and improperly collect, access, steal, or modify your Personal Information. Otterwize may provide security measures that include a user account, consisting of a user name and password. The security of your user account depends on you keeping your password confidential and not sharing it with anyone.

6.2 Any email or other communication purporting to be from one of our websites asking you to provide sensitive account information via email, including your account password, should be treated as unauthorized and suspicious and should be reported to us immediately by emailing [email protected] If this occurs please report it immediately by emailing [email protected]

7 Will We Change This Privacy Policy?

7.1 Each time you use our Site or Services the current version of the Policy will apply. When you use our Site, you should check the date of this Policy (which appears at the top of the Policy) and review any changes since the last version. Our business changes frequently and this Policy is subject to change from time to time. Unless stated otherwise, our current Policy applies to all information that we have about you.

8 How Do I contact Otterwize?

8.1 To contact us with your questions or comments regarding this Policy or the information collection and dissemination practices of this website, please email us at [email protected]

9 Governing Law

9.1 This Policy is governed by the laws of the State of New York, U.S.A. without giving effect to any principles of conflict of law.

10 Notice to California Residents

10.1 If you are a California resident, California Civil Code Section 1798.83 permits you to request information regarding the disclosure of your personal information by Otterwize to third parties for the third parties’ direct marketing purposes. With respect to these entities, this Policy applies only to their activities within the State of California. To make such a request, please send an email to [email protected] or write us:

Otterwize, Inc.
P.O. Box 633
New York, NY 10159

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The information, data, and materials (“Information”) presented on the Otterwize website are for general informational and educational purposes only. The Information is not intended to be viewed as and does not constitute investment advice, financial advice, legal advice, tax advice, accounting advice, or any other professional advice. [Read More...]

© 2018–2022 Otterwize, Inc. All rights reserved.

  • Saving
    ▼
    • Saving 101
    • Liv’n, Mov’n & Nosh’n
    • Saving Apps
    • Budgeting & Net Worth
    • Checking & Savings
    • Money Markets & CDs
    • Saving Blotter
  • Credit & Debt
    ▼
    • Credit 101
    • Give Yo’self Credit
    • Paying Off Debt
    • Mortgages
    • Personal Loans
    • Auto Loans
    • Credit & Debt Blotter
  • Investing
    ▼
    • Investing 101
    • Retirement Accounts
    • Robo-advisors
    • Advisor Look-Up
    • Opportunity Cost: Invest The Difference
    • The New 99%
    • Investing Blotter
  • Adulting
    ▼
    • Adulting 101
    • Managing Your Career
    • Housing
    • Buying or Leasing a Car
    • Insurance
    • Taxes
    • Simmering Savings
    • Adulting Blotter
  • The New Economy
    ▼
    • New Economy 101
    • The Sharing Economy
    • Side Hustles
    • Starting a Startup
    • The New Economy Blotter
  • Otter Tools
    ▼
    • Personal Finance in 9 Words
    • Roadmap to Financial Independence
    • 10 Personal Finance Rules of Thumb
    • 10-Step Financial Fitness Workout
    • Top Ten’ers