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MySpendingPlanTM - Privacy Policy

  
 

American Homeownership Association LLC ("AmHome", "us", "we" or "our", "MySpendingPlanTM"), owner and operator of MySpendingPlan.com, is committed to protecting your privacy.  This Privacy Policy ("Privacy Policy") describes all of the information handling practices for the web site located at www.myspendingplan.com (the "Web Site"), including how we handle personal information we may obtain when you use the Web Site, and how we may share it.  This Privacy Policy does not apply to information we may obtain through other means, including offline or online in another forum, such as elsewhere at other AmHome-owned web sites.  This Privacy Policy is effective upon acceptance in registration for new registering users, and is otherwise effective on August 31, 2006 for all users. The previous Privacy Policy was effective for all users on June 12, 2006.

OVERVIEW

The Web Site provides free and secure online personal finance software for using in planning one's household budget or special events, including bills and task planning.  The Web Site also provides useful information regarding a variety of topics of consumer interest, including debt help, debt management, mortgage refinance, real estate and saving money.  Lastly, the Web Site delivers promotional incentives (such as coupons, rebates, savings notices, samples and trial offers) on behalf of online and offline companies (our "Advertisers") to both registered consumers ("you", "your" or "Registered Users") of our Web Site and unregistered visitors.

Collection of Your Information

Information Collected to Become A Registered User of MySpendingPlanTM.
To set up your MySpendingPlanTM account, you will need to provide certain contact and personal information.  The requested information may include any combination of data such as your name, mailing address, e-mail address, phone number, username, and/or password, amongst other contact and personal information requirements.  This basic information is required if you wish to enroll on the Web Site.  The registration form information requests may change from time to time.  We may append additional data we obtain from our other owned web sites or third parties to your enrollment information for analysis and marketing purposes.  This information will also allow us to provide better, more relevant services to you.

Once you’ve successfully set up your MySpendingPlanTM account, you should expect to receive a Welcome email from the Web Site.  You will also receive a monthly email indicating the balances of your various accounts and spending categories to help you manage your budgets – you may unsubscribe from this email on the account preferences page of your account.  You may also receive bill due and task reminder emails, if you have chosen to take advantage of those features in the Web Site.  You may also receive our newsletter and/or special offer emails periodically, if you have elected to do so.  You may unsubscribe from these emails at any time by following the relevant link in the email or visiting your account preferences page.  You may occasionally receive emails regarding Web Site maintenance and administration issues – if you do not wish to receive these emails, you are welcome to cancel your MySpendingPlanTM account at any time.

Information Collected During Use of the Web Site.
When you select an advertising offer on the Web Site or purchase a subscription or merchandise through the MySpendingPlanTM service from one of our Advertisers, we will collect certain personal information to permit you to complete your action.  MySpendingPlanTM will not collect sensitive or financial information from you directly, including your Social Security number, your bank account number or your credit card account number.  If a future feature or offering does require this information to allow you to take advantage of it, you will be made clearly aware of this and still be protected by our secure server technology.  However, Advertisers may collect such financial information as it pertains to goods and services you have chosen to purchase directly from them.  Please note that if you decide to take advantage of an offer or conduct a purchase with one of our advertising or merchant partners, you will want to review their privacy and security policies before providing any such sensitive information.  This Advertiser-requested information will only be collected by the specific sponsor of that offer or that specific merchant you are purchasing goods and/or services from, and only if you submit that offer or purchase said goods and/or services.  In these situations, the terms of use and privacy policy of the Advertiser in question will apply to you, not those of MySpendingPlanTM.  If you have consented to receive e-mails from us, we also collect information relating to your e-mail response data to enable us to provide more timely, relevant information and offers.

Information Use and Sharing

Generally.
When you become a MySpendingPlanTM Registered User, we use your enrollment information and activity data to manage your account.  We will not rent, sell or share any personal information we gather from you to third parties except as indicated below or to provide information regarding the products or services you have requested (for example, with your express consent we may disclose your personally identifiable information, such as your name and address, to specified third parties that may then send you incentive offers and other promotional materials through the mail or via e-mail).  The following describes the ways that your information may be used by us, or may be disclosed in the normal course of business to provide our services.

Use of Information When You Select an Offer or Purchase a Product/Service.
We provide you with the opportunity to share some of your contact information with Advertisers, who subject such information to their own privacy policies.  For example, you may wish to receive more information directly from an Advertiser via e-mail or postal service, and you can use reply forms at various points on the Web Site to communicate that information to an Advertiser.  It is strictly your decision to submit any form or "click" the button to reply.  In addition, some offers or services will require us, by their terms, to forward your personal information (such as mailing address for delivery of orders) to an Advertiser so that they can provide the service directly to you.  Otherwise, your information is shared with Advertisers only on an aggregate (non-personally identifiable) basis.

Use of Information to Notify You About Our Products and Services.
We may use your information to inform you of other products or services available from the MySpendingPlanTM services by making opportunities available to you on our Web Site, if you have chosen to receive these, by postal mail and by e-mail.  We may also send you offers tailored to your interests, as well as information about us, about our products and services, and about special offers such as sweepstakes or other promotions.  Sometimes, we send offers via e-mail to selected groups of members on behalf of our participating merchants.  When we do this, we do not give the participating merchants your name and address.  If you do not want to receive e-mails we send on behalf of our participating merchants, you may opt out of receiving them as detailed in the Opting Out of Marketing E-mail Messages section below.

Tell A Friend
If you choose to use our Tell A Friend feature to tell a friend about our Web Site, we will ask you for your friend’s name and email address.  We will automatically send your friend a one-time email inviting him or her to visit the site.  MySpendingPlanTM stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

Testimonials
We do post testimonials from users on our Web Site.  We receive consent to post testimonials prior to the posting of the testimonial and any personally identifiable information.  If for any reason the user would like us to remove their testimonial, they may contact us at contactus@MySpendingPlan.com.  Quotes in certain testimonials that appear on the Web Site are representative of feedback received from registered users to date.  Aliases and stock photographs are sometimes used to protect the users' privacy.  To the fullest extent permitted by applicable laws, we exclude all responsibility and liability for your decision to use the Web Site based upon the recommendations in these testimonials or for any losses or expenses resulting from their use and/or appearance on the Web Site.

Use of Information About You We Obtain from Third Parties.
We may obtain information about you from our partner companies and other third parties in order to provide you with opportunities tailored to your interests.  We may also use information obtained from our partner companies and other third parties in conjunction with member account and enrollment information for analytical and audit purposes.

Sharing Information with Our Business Partners and Service Providers.
We may need to share some personal information with our business partners, such as service providers and third party processors who work with us to provide you the MySpendingPlanTM service.  These companies use your personal information to provide us with the services we have hired them to perform, such as to organize, administer, process, append and/or analyze our data on our behalf, deliver offline materials to you or notify you of savings when you are visiting other web sites.  These companies will help us provide more relevant offers to you and to eliminate the delivery of duplicate offers from an Advertiser(s) and all such business partners are prohibited from using your personal information except to provide these services to the MySpendingPlanTM program, and they are required to maintain the confidentiality of your information. We may also share certain data with our Advertisers or service providers in aggregate form for audit, marketing and other purposes. We may transmit your search queries, if any, to business partners who use this information to provide us with search results and other information, which we then display to you. Because aggregated data is not associated with any particular person, the third parties with whom we share this information will not have access to your personally identifiable information.

Sharing Information with Our Direct Marketing Partners.
From time to time, we may provide your postal information and other relevant data to trusted direct marketing partners who may mail direct marketing material on behalf of us and also use this postal information and other data to market to you on their own behalf. In our contact with these direct marketing partners, we have restricted them from sharing or selling this information with any other third party. We do not provide your e-mail address to these direct marketing partners.  You may opt-out of having your postal address shared with these direct marketing partners emailing us at contactus@myspendingplan.com or writing to us at the address below.

Legal Requests/Questionable Activities.
We will release or disclose your personal information, including to local, state, or federal law enforcement officials, when we believe in good faith that the law requires it, or when required to do so by order of a court or authorized administrative agency.

Sale/Merger.
We will transfer information about you if we are acquired by or merged with another company. We will notify you in accordance with the procedures contained in the Privacy Policy Updates if your information will become subject to a different privacy policy.

ACCESS AND OPTIONS

Accessing and Updating Your MySpendingPlanTM Data.
You may access and update information stored in your account profile by visiting the "My Account" page on the Web Site. Please keep your contact, account, and preference information up-to-date. It is your responsibility to update and maintain accurate contact information in your account. You can make changes by visiting your account page and entering corrections. E-mail and street addresses that are entered into a member's personal profile page are the addresses that will be used for all contact. You must promptly notify us via e-mail at contactus@MySpendingPlan.com if your password is lost, stolen or used without permission. In such an event, we will change your password and update our records.

Opting Out Of Marketing E-mail Messages.
With your consent, we will send you e-mail offers available to Registered Users. You may opt-out of receiving marketing e-mail messages from the Web Site either when you register with the Web Site or at a later date. To opt-out of receiving e-mail after registration, you may either: (1) click on the unsubscribe link at the bottom of any commercial e-mail you receive and follow the instructions on-screen (you may do so anytime after receipt of the e-mail), (2) visiting your account preferences page on the Web Site, or (3) by sending an e-mail requesting to stop receiving e-mail to: contactus@MySpendingPlan.com. Please note that it may take up to 72 hours for us to process an opt-out request and that any e-mail communications within the queue prior to your decision to opt-out will still be sent to you. You will still continue to receive e-mail messages from other of our company-owned services that you have requested to receive e-mails from if you opt-out of receiving marketing messages from the MySpendingPlanTM program. If you wish to opt-out of receiving e-mail from our other company-owned services, you need to contact customer support through the applicable service from which you are requesting to opt-out. On occasion, we may contact you with specific administrative notices that are required by law, regulation, or as needed to service your account (i.e. if we update our Privacy Policy). While you can elect to stop receiving commercial e-mail that we may send from our participating merchants through the MySpendingPlanTM program, you cannot unsubscribe from these administrative messages.

Delete/Deactivate from MySpendingPlanTM.
You may stop participating in the MySpendingPlanTM program at any time and/or delete your personal information from our database so as not to receive future communications from the Web Site. In order to deactivate and/or delete your information from the Web Site's database, please go to the My Account page on the Web Site and select Delete My Account and then the software will take you through the removal process.  Any e-mail communications within the queue prior to your decision to deactivate will still be sent to you. We also reserve the right to deactivate a Registered User at our sole discretion if we believe that a Registered User has used the Web Site or e-mail in a way that is fraudulent or damaging to us, our Advertisers, or any other third party.

SECURITY

We use a secure, encrypted connection (called an SSL connection) on all pages where you transmit personally identifiable data to us. Whenever you access any of your account pages or change any of your user information, it is done over an SSL connection. Additionally, we have implemented procedural measures to safeguard your information. For example, only a very limited number of our employees have access to your personal information.

Despite these security measures, we cannot guarantee that a third party might not unlawfully intercept or access transmissions or private communications, or that users might not abuse or misuse your personal information that they may illegally collect from the Web Site. Therefore, although we believe that our practices exceed industry standard practices to protect your privacy, we do not promise, and you should not expect, that your personal information or private communications will always remain private.

LINKS TO THIRD PARTY WEB SITES

Through the Web Site, we may provide links to third-party web sites, such as those of our Advertisers. Each of these web sites have separate privacy and data-collection practices, which may differ from this Web Site, and we are not responsible for the actions or practices of these third parties, nor for the content on these web sites. We encourage you to review the privacy policies of these web sites before providing your personally identifiable information.

Framed Sections of The Web Site
MySpendingPlanTM maintains relationships with outside service providers for some of the products and services offered through our site. Certain of these service providers are found on our Coupons, Deals & Discounts or other pages. The information these providers make available may be presented in a "framed" format, where the MySpendingPlanTM header and footer will surround the pages served by the service providers, or by directly linking the user to the vendors' sites. In either case, the service provider is prominently identified. Please be aware that any information you provide on those framed pages is provided directly to those service providers and is subject to their security and privacy policies. We encourage you to read the privacy policies of these outside service providers because their privacy practices may differ from ours.

DIGITAL IDENTIFIERS

Cookies.
We use "cookies" to personalize the MySpendingPlanTM program to your interests, to ensure that only you can access your account, to facilitate the automatic log-in process and for web beacons (as described below in the "Web Beacons" section). The primary purpose of cookies is to provide a convenience feature to save you time. For example, we use them to store your Automatic Log-in ID so you do not have to re-enter it each time you visit www.MySpendingPlan.com. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of www.MySpendingPlan.com or the other web sites you visit.  Cookies are not tied to personally identifiable information.  Some of our business partners (e.g., advertisers) use cookies on our site.  We have no access to or control over these cookies.  We also review "log-file" data to monitor site performance and analyze traffic patterns and usage of our Web Site. Each time you visit the Web Site, our server automatically recognizes the following:

  • Host origin of the request (your IP address or that of your ISP if using proxy servers)
  • Referrer URL (the page you came from)
  • Requested document (the page you're looking at)
  • Your cookie
  • Date and time of your visit

This information, sometimes called log-file or clickstream data, is used to monitor Web Site performance and ensure that the MySpendingPlanTM services function properly. It may also be appended to your personal profile so that we may further tailor the MySpendingPlanTM program to your interests.  Log files are not tied to personally identifiable information.

Web Beacons.
The Web Site's pages and/or HTML e-mails may contain electronic images (called "web beacons", "single-pixel GIFs", or "action tags") that allow us to count users who have visited a certain web page or opened an e-mail, conduct research on partner and Advertiser web sites for auditing purposes, or to access your www.MySpendingPlan.com "cookie" to identify you when on third party web sites. Using web beacons allows us to personalize your experience by tailoring advertisements, updates, and other offers to your particular interests, and measuring the marketing effectiveness of our e-mail communications.

Web beacons collect only a limited set of information including a cookie number, time and date of a page view, and a description of the page on which the web beacon resides. Information recorded through these web beacons may be used to report aggregate demographic or usage information about Registered Users to our Advertisers, or user-level usage information to our Third Party Processors. The Web Site's web pages may also contain web beacons placed there by third parties to help determine the effectiveness of our joint promotional or advertising campaigns. No personally identifiable information about you is shared with an Advertiser or Third Party Processors except as otherwise set forth in this Privacy Policy.

Third Party Ad Servers.
We may serve advertisements within our Web Site either ourselves or by allowing other companies, called third-party ad servers or ad networks, to do so. In addition, some of our advertisers may use the services of third-party ad networks. Some of these third-party ad networks may place a persistent cookie on your computer. Doing this allows the third-party ad network to recognize your computer each time they send you an online advertisement. In this way, third-party ad networks may compile information about where you, or others who are using your computer, saw their advertisements and determine which ads are clicked on. This information allows a third-party ad network to deliver targeted advertisements that they believe will be of most interest to you. We do not have access to or control of the cookies that may be placed by the third-party ad servers or third-party ad networks. Those third-party ad networks that use persistent cookies may offer you a way to opt-out of ad targeting. You may find more information at the web site of either the individual third-party ad network or the Network Advertising Initiative.

CHILDREN/MINORS

The Web Site will automatically block enrollment of any person once they indicate they are under the age of 13. If we later learn that a user is under the age of 13, we will terminate the account and delete the user's information. Inherent in the MySpendingPlanTM program is the responsibility of parents and/or guardians to ensure that their children's privacy is protected.

LEGAL DISCLAIMER

We disclaim and you agree that we will not be liable to you for any damages caused by acts or events beyond our reasonable control including, without limitation, acts of God, fires, floods, acts of terrorism, wars, civil disturbances, sabotage, accidents, labor disputes, governmental actions, and failures or delays of transportation that result in our disclosure of your personally identifiable information.

PRIVACY POLICY UPDATES AND SITE MAINTENANCE

We reserve the right, at any time and without notice, to add to, update, change, modify or revise this Privacy Policy, the Site or our services simply by posting such change, update or modification on the Site. Any such addition, update, change, modification or revision will be effective immediately upon posting. If we materially change how we use your personal information, we will notify you via e-mail.

Contact Information

If you have any questions about this Privacy Policy, our information-handling practices, or other aspects of privacy, please contact us by e-mail or via postal mail at:

MySpendingPlanTM Privacy
American Homeownership Association LLC
29488 Woodward Avenue
Suite 202
Royal Oak, MI 48073
contactus@MySpendingPlan.com

Last updated: August 31, 2006

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