Disclosure Notice, Privacy Policy for Family Balance Sheet

Disclosure Policy
This policy is valid from 02 April 2009

This blog is a personal blog written and edited by Kristia. The views and opinions expressed in the posts are mine and I will always be honest in what I share. I am not a financial professional, just a wife and mom who happens to enjoy topics on personal finance, food and home management, so please consult a professional if you think you are in need of professional advice. For questions about this blog, please contact familybalancesheet at gmail dot com.

I would like to disclose that I participate with many affiliate programs, such Escalate Network, Logical Media, Google Adsense, LinkShare, Amazon, Commission Junction and BlogHer Publishing Network, Purple Martin Press, to name a few. I am an affiliate with these companies and may receive compensation if a reader clicks through a link on my blog and submits their email or makes a purchase. The ads displayed by Google Adsense and BlogHer Publishing Network may or may not express the views and opinions of me, the blog owner. These links may be in the text of a post, at the end of a post or in the sidebar of this site.

This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

The compensation received will never influence the content, topics or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. Those advertisements will be identified as paid advertisements.

I also participate in sponsored messages on Twitter and Facebook messages. These advertisements will be identified as paid advertisements.

The owner(s) of this blog might be compensated to provide opinion on products,
services, websites and various other topics. The owner will always disclose if there is any compensation for a review within or at the bottom of the post. The views and opinions expressed on this blog are purely the blog owner. If I claim or appear to be an expert on a certain topic or product or service area, I will only endorse products or services that I believe, based on my expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does not contain any content which might present a conflict of interest.

To get your own policy, go to http://www.disclosurepolicy.org/

Privacy Policy for FamilyBalanceSheet.org.
The privacy of our visitors to FamilyBalanceSheet.org is important to us.
At FamilyBalanceSheet.org, 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 and visit FamilyBalanceSheet.org, 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.

We also use third party advertisements on FamilyBalanceSheet.org to support our site. Some of these advertisers may use technology such as 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. This 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). Third party advertisers include Google AdSense, BlogHer, Coupons.com, Logical Media, Amazon and Commission Junction.
DoubleClick DART cookies
We also may use DART cookies for ad serving through Google’s DoubleClick, which places a cookie on your computer when you are browsing the web and visit a site using DoubleClick advertising (including some Google AdSense advertisements). This cookie is used to serve ads specific to you and your interests (”interest based targeting”). The ads served will be targeted based on your previous browsing history (For example, if you have been viewing sites about visiting Las Vegas, you may see Las Vegas hotel advertisements when viewing a non-related site, such as on a site about hockey). DART uses “non personally identifiable information”. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers. You can opt-out of this ad serving on all sites using this advertising by visiting http://www.doubleclick.com/privacy/dart_adserving.aspx
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.
Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added.
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