The Humble Penny

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Privacy & Cookies

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PRIVACY POLICY

The Humble Penny takes your privacy seriously.

The way we collect, manage, store and use your personal information is governed by a new EU data protection law introduced on 25 May 2018, called the General Data Protection Regulation (GDPR) and any subsequent UK Data Protection laws that may be applicable. The GDPR introduces new rights for individuals whose data is being held and reinforces the obligations and duties of organisations who process your personal information.

This Privacy Policy sets out how The Humble Penny will deal with the personal information which you provide to us while using the website located at https://www.thehumblepenny.com/ (the “Site”) and/or the services provided from it (the “Services”).  We may change this Privacy Policy from time to time and such changes will take effect from the date and time the revised Privacy Policy is available on the Site.

In this Privacy Policy, we explain

  • What personal information we collect
  • How we use your personal information
  • Who we share your information with and why
  • How we keep your personal information secure
  • How long we retain your information
  • Transfer of your personal information outside the EEA
  • Your rights

What personal information we collect

From time to time, we may ask you to provide some or all of the following: details of your name, company name, address, telephone/facsimile number(s), e-mail address and credit card details.

We will collect this information when you visit our website and provide this information to enable us to provide you with the Services and services associated with them.

How we use your personal information

We may also use your personal information:

  • to analyse use of the Site;
  • to send occasional marketing communications; and
  • to keep you up-to-date with other services which we think may be of interest to you If you provide your consent to enable us to do so.

We may use ‘cookies’ while you access the Site to avoid the need to re-enter details on different occasions. If you do not wish to receive ‘cookies’, you may change the settings on your computer or browser accordingly. Please see our Cookie Policy below.

Who we share your personal information with and why

We will not sell your personal information to any third parties. However, we use Convertkit, a US-based organisation, only to enable us to provide you with our email subscription services.

How we keep your personal information secure

We are committed to ensuring the confidentiality of the personal information that we hold and have put in place secure controls and related policies and procedures to ensure that your personal information remains secure.

When we contract with third parties, we require that they have appropriate security, privacy, and confidentiality measures in place to ensure that personal information is kept secure.

How long will we retain your personal information

We will only keep your personal information for as long as is necessary for the purposes for which that personal information was given to us. After which, your personal information may be deleted or anonymised so that you can no longer be identified.

Transfer of your personal information outside the EEA

Please note that, from time to time, we may transfer your personal information for internal business purposes to third-party organisations such as ConvertKit, located outside the European Economic Area (EEA), some of which may have different data protection laws to the UK. We ensure that these third parties have been either confirmed by the European Commission as having have an adequate level of protection for personal information, or the third party receiving the personal data has provided adequate safeguards and agrees to treat your information with the same level of protection as we would.

Your rights

You have the right to ask us:

  • to provide you with a copy of the personal information we hold about you
  • to update or correct your personal information
  • to request that we delete your personal information
  • to restrict processing of your personal information where appropriate.
  • object to the processing of your personal information
  • object to automated decision making and profiling
  • to port your personal information

How to contact us

If you have questions about this privacy policy or need further information about our privacy practices, please contact us by

Email: Ken@thehumblepenny.com

In writing: 17 Thomas Street, London. SE18 6HU

 

COOKIE POLICY

Cookies are small amounts of data sent to your browser from our web server and are stored on your computer’s hard drive, not on our site. The Humble Penny uses several ‘1st Party’ cookies, that we set to allow the site to function. These are deleted when you quit your browser. These are anonymous and do not store any personally identifiable data on you.

Cookie Name

Purpose

Retention

Optional

PHPSESSID

Maintain state between pages

Deleted on browser close

No

wordpress_logged_in

To maintain your logged in state, only created if you have logged into our site.

Deleted on browser close

Yes

wordpress_test_cookie

To ensure browser compatibility with our site

Deleted on browser close

No

We also partner with several third party services to provide interactive elements on the site, or to allow us to provide a better service. We have listed these partners below, and where possible linked to their own privacy policies. These partners may use cookies for the purposes listed below.

Name Purpose Site Data Collected
Sumo For social media sharing https://sumo.com/ Anonymous (Analytics, Browser Information, Date/Time, Demographic Data, Page Views ), Pseudonymous (IP Address (EU PII), Search History)
Shareaholics For social media sharing https://shareaholic.com/ Anonymous (Analytics, Browser Information, Date/Time, Demographic Data, Page Views ), Pseudonymous (IP Address (EU PII), Search History)
Convertkit For email marketing https://convertkit.com/ Anonymous (Browser Information, Date/Time, Hardware/Software Type, Page Views ), Pseudonymous (IP Address (EU PII), Location Based Data, Device ID (EU PII))
DoubleClick To track advertising across multiple pages and sites http://www.google.com/intl/en/policies/privacy/ Anonymous (Ad Views, Analytics, Browser Information, Cookie Data , Date/Time, Demographic Data, Hardware/Software Type, Interaction Data , Page Views , Serving Domains), Pseudonymous (IP Address (EU PII), Search History, Location Based Data, Device ID (EU PII)), PII (Phone Number)
Facebook To provide social widgets that link into our own facebook page http://www.facebook.com/about/privacy/ Anonymous (Browser Information, Date/Time, Demographic Data, Hardware/Software Type, Page Views ), Pseudonymous (IP Address (EU PII))
Google Adsense To track advertising across multiple pages and sites http://www.google.com/intl/en/policies/privacy/ Anonymous (Ad Views, Analytics, Browser Information, Cookie Data , Date/Time, Demographic Data, Hardware/Software Type, Interaction Data , Page Views , Serving Domains), Pseudonymous (IP Address (EU PII), Search History, Location Based Data, Device ID (EU PII))
Google Analytics Provide pseudonymous statistics to us https://www.google.com/intl/en/policies/privacy/ Anonymous (Ad Views, Analytics, Browser Information, Cookie Data , Date/Time, Demographic Data, Hardware/Software Type, Interaction Data , Page Views , Serving Domains), Pseudonymous (IP Address (EU PII), Search History, Location Based Data, Device ID (EU PII)) , PII (Phone Number)
Google Tag Manager To allow us to manage dynamic elements within pages http://www.google.com/intl/en/policies/privacy/ Anonymous (Browser Information, Cookie Data , Date/Time, Demographic Data, Hardware/Software Type, Internet Service Provider, Interaction Data ), Pseudonymous (IP Address (EU PII), Search History, Location Based Data, Device ID (EU PII), PII (Phone Number)
Twitter Provide a twitter feed from our own twitter page on the site https://twitter.com/privacy Anonymous (Browser Information, Cookie Data , Date/Time, Demographic Data, Hardware/Software Type, Internet Service Provider, Interaction Data , Page Views ), Pseudonymous (IP Address (EU PII), Search History, Device ID (EU PII))

 

DISCLOSURE

The Humble Penny (and The Humble Penny Limited) does not offer financial advice and is intended for reference/information and entertainment purposes only. The views expressed on this website are personal opinions only and should not be construed as financial advice for your given situation. Any use of the Site and/or the Content is entirely at your own risk. You should always carry out your own research and/or take specific professional advice before choosing any financial products or services or undertaking any business or financial venture. Kindly note that whilst we endeavour to provide accurate and useful information, the Content may not be wholly accurate or up-to-date and is subject to change, often at very short notice.

Please note that The Humble Penny (and The Humble Penny Limited) has financial relationships with some of the parties (and advertising companies) mentioned on this blog to enable us to continue to offer great articles for FREE. These partners change on a regular basis, and to assist in serving relevant adverts to you, these partners may also use cookies. The Humble Penny (and The Humble Penny Limited) may be compensated if readers choose to use the links located throughout the content on this site and generate sales for the said parties. The Humble Penny (and The Humble Penny Limited) is compensated for certain paid links and advertisements on this blog. You are not obligated to click on any link or buy any products that are advertised.

Mediavine Programmatic Advertising

The Website uses Mediavine to manage all third-party advertising on the Website. Mediavine serves content and advertisements when you visit the Website, which may use first and third-party cookies. A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that a website can remember some information about your browsing activity on the Website. The cookie may collect information relating to your use of the Website, information about your device such as the device’s IP address and browser type, demographic data and, if you arrived at the Website via a link from a third-party site, the URL of the linking page.

First party cookies are created by the website that you are visiting. A third-party cookie is frequently used in behavioral advertising and analytics and is created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons and other similar technologies (collectively, “Tags”) may be placed on the Website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first and third-party cookies and clear your browser’s cache. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies, how to disable existing cookies and how to clear your browser’s cache. For more information about cookies and how to disable them, you can consult the information at www.allaboutcookies.org/manage-cookies/.

Without cookies you may not be able to take full advantage of the Website content and features. Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site.

The Website may collect IP addresses and location information to serve personalized ads and pass it to Mediavine. If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit https://www.networkadvertising.org/managing/opt_out.asp. You may also visit https://optout.aboutads.info/#/ and https://optout.networkadvertising.org/# to learn more information about interest-based advertising. You may download the AppChoices app at https://www.aboutads.info/appchoices to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.

Mediavine partners with the following data processors:

  1. Pubmatic. You may find Pubmatic’s privacy policy through this link. The data collected on the Website may be transferred to Pubmatic and its demand partners for interest-based advertising. Statistical information and other non-cookie technologies (such as eTags and web or browser cache) may be used by third parties on this Website. Browser settings that block cookies may have no effect on these technologies, but you may clear your cache to delete such trackers. Data collected from a particular browser or device may be used with another computer or device that is linked to the browser or device on which such data was collected.
  2. Criteo. You may find Criteo’s privacy policy through this link. The data collected on the Website may be transferred to Criteo and its demand partners for interest-based advertising. Criteo may collect, access, and use non-identifying data to improve the Criteo Technology and other Criteo products, programs, and/or services. This non-identifying data may include on-site user behavior and user/page content data, URLs, statistics, or internal search queries. The non-identifying data are collected through the ad call and stored with a Criteo cookie for a maximum period of 13 months.
  3. Pulsepoint. You may find Pulsepoint’s privacy policy through this link.
  4. LiveRamp. You may find LiveRamp’s privacy policy through this link. When you use the Website, we share information that we may collect from you, such as your email (in hashed, de-identified form), IP address or information about your browser or operating system, with LiveRamp Inc, and its group companies (‘LiveRamp’). LiveRamp may use a cookie on your browser and match your shared information to their on- and offline marketing databases and those of its advertising partners to create a link between your browser and information in those other databases. This link may be shared by our partners globally for the purpose of enabling interest-based content or advertising throughout your online experience (e.g. cross device, web, email, in-app, etc.) by third parties unaffiliated with our website. These third parties may in turn link further demographic or interest-based information to your browser. To opt out of LiveRamp’s targeted advertising, please go here: https://liveramp.com/opt_out/
  5. RhythmOne. You may view RhythmOne’s privacy policy through this link. RhythmOne uses cookies and similar tracking technologies (such as mobile device identifiers and digital fingerprinting) to provide its services. RhythmOne may use aggregated information (not including your name, address, email address or telephone number) about your visits to this and other Websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please visit the following webpage: https://www.networkadvertising.org/managing/opt_out.asp.
  6. District M. You may find District M’s privacy policy through this link.
  7. YieldMo. You may find YieldMo’s privacy policy through this link. If you want to opt out of receiving interest based ads from Yieldmo or exercise your right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of your personal information, you may do so through this link.
  8. The Rubicon Project. You may find Rubicon’s privacy policy through this link. If you want to opt out of receiving interest based ads from Rubicon or exercise your right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of your personal information, you may do so through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page.
  9. Amazon Publisher Services. You may find Amazon Publisher Services’ privacy policy through this link.
  10. AppNexus. You may find the AppNexus privacy policy through this link.
  11. OpenX. You may find OpenX’s privacy policy through this link.
  12. Verizon Media formerly known as Oath. You may find Verizon Media’s privacy policy through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising.
  13. TripleLift. You may find TripleLift’s privacy policy through this link. To opt out of receiving interest-based advertising (including retargeting) from TripleLift’s services through the use of cookies in your current browser and for more information on what it means to opt-out, please go to www.triplelift.com/consumer-opt-out.
  14. Index Exchange. You may find Index Exchange’s privacy policy through this link. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising.
  15. Sovrn. You may find Sovrn’s privacy policy through this link.
  16. GumGum. You may find GumGum’s privacy policy through this link. GumGum may (i) use place and use cookies on end users’ browsers or use web beacons to collect information about end users who visit such Publisher Websites and (ii) link such collected end user information to other end user information provided by third parties in order to deliver targeted Advertisements to such end users.
  17. Digital Remedy. You may find Digital Remedy’s privacy policy through this link.
  18. MediaGrid. You may find MediaGrid’s privacy policy through this link. MediaGrid may collect and store information about end-user interactions with this website through cookies, advertising IDS, pixels and server-to-server connections. MediaGrid was receive the following information: the page an End-User has requested and the referring/exit pages; Timestamp information (i.e., the date and time the End-User has visited the page); IP address; mobile device identifier; device model; device operating system; browser type; carrier; gender; age; geolocation (including GPS coordinates); clickstream data; cookie information; first-party identifiers’; and hashed email addresses; demographic and inferred interest information; and post-conversion data (from both online and offline behaviour). Some of this data is gathered from this website and others is gathered from advertisers. MediaGrid uses this data to provide its services. You may also utilize the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or the European Interactive Digital Advertising Alliance’s opt-out page to opt-out of the use of cookies for interest-based advertising or review their privacy policy for more information.
  19. RevContent – You may find RevContent’s privacy policy through this link. RevContent may collect information about your browser or device, including browser type, IP Address, device type, user agent string, and operating system. RevContent also collects information about the websites you visit through their services, such as date and time of access and specific pages accessed and the content and ads you click on. You may opt-out of any personalization track by opting-out of RevContent’s data collection.
  20. Centro, Inc. – You may find Centro’s privacy policy through this link. You may find opt-out information for Centro’s services through the privacy policy link.
  21. 33Across, Inc. – You may find 33Across’s privacy policy through this link. To opt-out of personalized advertising, please visit https://optout.networkadvertising.org/?c=1.
  22. Conversant. LLC – You may find Conversant’s privacy policy through this link. Conversant uses information that does not directly identify you, such as information about your browser type, time and date of visit, your browsing or transaction activity, the subject of advertisements clicked or scrolled over, and a unique identifier (such as a cookie string, or a unique advertising identifier provided by your mobile device) during your visits to this and other websites and apps in order to provide advertisements about goods and services likely to be of greater interest to you. Conversant may use technologies such as cookies and other tracking technologies to collect this information. To learn more about interest-based advertising, or to opt-out, you can visit www.youronlinechoices.eu or https://www.networkadvertising.org/.
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About The Humble Penny

We are Ken and Mary Okoroafor, founders of THE HUMBLE PENNY®. Learning how to Take Control and Grow Money has transformed our lives from those years when Ken struggled without money as a first generation immigrant as well as our early years of marriage living pay check to pay check and wanting a better future.

It enabled us to become Financially Independent aged 34!

Today we live purposefully to help others Create Financial Joy and achieve Financial Independence in their lives too.

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