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Effective Date: June 1, 2025

Welcome to The Cozy Saver! We are so glad you are here. We care about your privacy and want you to feel safe when you visit our site. Below you’ll find details about how we collect, use, and protect your personal information and how you can use this site.

Our Promise to You

• We will only collect information we need to improve your experience on this site.
• We will keep your data safe and secure.
• We will never spam you.
• We won’t sell your information to anyone.
• You are in control of how we communicate with you.

Your Privacy

The thecozysaver.com follows all legal requirements to protect your privacy. Our Privacy Policy is a legal statement that explains how we may collect information from you, how we may share your information, and how you can limit our sharing of your information. You will see terms in our Privacy Policy that are capitalized. These terms have meanings as described in the Definitions section below.

Definitions

“Non Personal Information” is information that is not personally identifiable to you and that we automatically collect when you access our Website with a web browser. It may also include publicly available information that is shared between you and others.

“Personally Identifiable Information” is non-public information that is personally identifiable to you and obtained in order for us to provide you within our Website. Personally Identifiable Information may include information such as your name, email address, and other related information that you provide to us or that we obtain about you.

Information We Collect

Generally, you control the amount and type of information you provide to us when using our Website.

As a Visitor, you can browse our website to find out more about our Website. You are not required to provide us with any Personally Identifiable Information as a Visitor.

Personally Identifiable Information

We may process certain types of personal data about you when you interact with us, as follows:

• Identity Data: may include your first name, last name, username, or date of birth.
• Contact Data: may include your billing address, delivery address, email address and telephone numbers.
• Financial Data: may include your credit card details.
• Transaction Data: may include details about payments between us and other details of purchases made by you.
• Technical Data: may include your login data, internet protocol addresses, browser type and version, browser plug-in types and versions, time zone setting and location, operating system and platform and other technology on the devices you use to access our sites.
• Profile Data: may include your username and password, purchases or orders, your interests, preferences, feedback and survey responses.
• Usage Data: may include information about how you use our website, products and services.
• Marketing and Communications Data: may include your preferences in receiving marketing communications from us and our third parties and your communication preferences.

Computer Information Collected

When you use our Website, we automatically collect certain computer information by the interaction of your mobile phone or web browser with our Website. Such information is typically considered Non Personal Information. We also collect the following:

• Cookies
• Our Website uses “Cookies” to identify the areas of our Website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to personalize the Content that you see on our Website. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our Website correctly or at all. We never place Personally Identifiable Information in Cookies.
• Automatic Information
• We automatically receive information from your web browser or mobile device. This information includes the name of the website from which you entered our Website, if any, as well as the name of the website to which you’re headed when you leave our website. This information also includes the IP address of your computer/proxy server that you use to access the Internet, your Internet Website provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analyze trends among our Users to help improve our Website.

How We Use Your Information

We use the information we receive from you as follows:

• Customizing Our Website
• We may use the Personally Identifiable information you provide to us along with any computer information we receive to customize our Website.
• Register You as a Customer
• We use Personally Identifiable information you provide us to deliver products and services, process your payments, and register you as a customer.
• Sharing Information with Affiliates and Other Third Parties
• We do not sell, rent, or otherwise provide your Personally Identifiable Information to third parties for marketing purposes. We may provide your Personally Identifiable Information to affiliates that provide services to us with regards to our Website (i.e. payment processors, Website hosting companies, etc.); such affiliates will only receive information necessary to provide the respective services and will be bound by confidentiality agreements limiting the use of such information.

The following third parties may have access to your Personally Identifiable Information:

• MailPoet (San Francisco, CA USA) – Privacy Policy
• Google Apps (Mountain View, CA USA)
• Google Analytics (Mountain View, CA USA)
• Facebook via our Facebook groups (Menlo Park, CA USA)
• PayPal (San Jose, CA USA)
• WordPress.com (Minneapolis, MN USA) – Privacy Policy

Data Aggregation

• We retain the right to collect and use any Non Personal Information collected from your use of our Website and aggregate such data for internal analytics that improve our Website and Service as well as for use or resale to others. At no time is your Personally Identifiable Information included in such data aggregations.
• Legally Required Releases of Information
• We may be legally required to disclose your Personally Identifiable Information, if such disclosure is (a) required by subpoena, law, or other legal process; (b) necessary to assist law enforcement officials or government enforcement agencies; (c) necessary to investigate violations of or otherwise enforce our Legal Terms; (d) necessary to protect us from legal action or claims from third parties including you and/or other Members; and/or (e) necessary to protect the legal rights, personal/real property, or personal safety of The Budget Mom, LLC., our Users, employees, and affiliates.

Transferring Information

By using this website, you authorize us to transfer and store your information in the United States, for the purposes described in this policy. The privacy protections and the rights of authorities to access your information in the United States may not be the same as in your home country.

Marketing communications

You will receive marketing communications from us if you have:

• Requested information from us or purchased goods or services from us; or
• Provided us with your details when opting into our free courses, resources, and challenges; and
• in each case, you have not opted out of receiving marketing.
• We will get your express opt-in consent before we share your personal data with any third party for marketing purposes.

You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you OR by emailing us at kumiko@thebudgetmom.com at any time.
Where you opt out of receiving our marketing communications, this will not apply to personal data provided to us as a result of a product/service purchase, warranty registration, product/service experience or other transactions.

EU Residents

If you wish to exercise your “right to be forgotten” and have all Personally Identifiable Information deleted, please email us directly with your request: kumiko@thebudgetmom.com.
You maintain the right to complain to the Data Protection Authority in your local EU Member State under the GDPR.

Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed.
In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know such data. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
Customer data is stored for a reasonable time (5+ years) as a necessity to keep accurate records of accounting, tax, and customer needs. The exact data retention period varies based on the system storing the information, the date of the user’s last activity or interaction with the company, and whether or not the information relates to a current or past customer.

Privacy Policy Updates

We reserve the right to modify this Privacy Policy at any time. You should review this Privacy Policy frequently. If we make material changes to this policy, we may notify you on our Website, by a blog post, by email, or by any method we determine. The method we chose is at our sole discretion. We will also change the “Last Updated” date at the beginning of this Privacy Policy. Any changes we make to our Privacy Policy are effective as of this Last Updated date and replace any prior Privacy Policies.

Advertising Privacy Statement

This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. To learn more about CafeMedia’s data usage, click here: http://www.cafemedia.com/publisher-advertising-privacy-policy

Content Use & Copyright

Unless otherwise noted, all content (including text, photos, graphics, and other material) on this site is the property of The Cozy Saver and is protected by copyright laws. You are welcome to link to our website and share one photo with a do-follow link back to the original post. Full recipes, full articles, or multiple images may not be republished or distributed without our written permission.

If you’d like to request permission to use any content, please contact us at hi@thecozysaver.com.

What Information We Collect

We may collect the following types of information:

• Information you provide voluntarily (such as your name or email address when signing up for our newsletter or leaving a comment).
• Information collected automatically through cookies, including your IP address, browser type, and pages visited.
• Information provided when you interact with us via third-party services (for example, if you connect through social media).

You can visit most of our site without providing any personal information.

How We Use Your Information

We may use your information to:

• Improve site content and user experience.
• Send you newsletters and updates if you subscribe.
• Respond to your comments or inquiries.
• Monitor website performance through analytics.
• Protect against unauthorized or illegal activity.

We will never sell your personal information.

Cookies

Our site uses cookies to enhance your experience, remember your preferences, and help us analyze site traffic. You can adjust your browser settings to disable cookies at any time. Please note that disabling cookies may affect the functionality of the site.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Third-Party Services

We may use third-party services to help us operate this site, such as:

• Google Analytics: to analyze site traffic and user behavior.
• Email marketing services: to deliver newsletters.
• Advertising partners: to display ads that help support the site.
• Affiliate programs: to recommend products and earn commissions at no additional cost to you.

These third-party services have their own privacy policies, which govern how they handle your information.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users who register on our website (if any), we also store the personal information they provide in their user profiles. All users can see, edit, or delete their personal information at any time (except that they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Affiliate Disclosure

Some posts on this site may include affiliate links. If you make a purchase through one of these links, we may earn a small commission at no additional cost to you. We only promote products we believe will provide value to our readers.

Newsletter

If you choose to subscribe to our newsletter, we will collect your name and email address. You can unsubscribe at any time by clicking the “unsubscribe” link in any email we send.

Your Rights

You have the right to:

• Request access to your personal data.
• Request correction of inaccurate information.
• Request deletion of your personal data.
• Opt out of receiving future email communications.

To exercise any of these rights, please get in touch with us at steph@thecozysaver.com.

Children’s Privacy

We do not knowingly collect personal information from children under the age of 16. If you believe we have collected such information, please contact us and we will promptly remove it.

MailPoet newsletter & emails

If you have subscribed to our newsletter or if you are a member of our website (you can log in) or if you have purchased on our website, there is a good chance you will receive emails from us.

We will only send you emails which you have signed up to receive, or which pertain to the services we provided to you.

To send you emails, we use the name and email address you provide us. Our site also logs the IP address you used when you signed up for the service to prevent abuse of the system.

This website can send emails through the MailPoet Sending Service. This service allows us to track opens and clicks on our emails. We use this information to improve the content of our newsletters.

No identifiable information is otherwise tracked outside this website except for the email address.

Below is a list of cookies that may be generated by MailPoet (note that some cookies are only utilized when WooCommerce is installed and activated):

Cookie name: mailpoet_page_view
Cookie expiry: 3,650 days.
Cookie description: The purpose of this cookie is to track the last time a subscriber viewed any page on the site.

Cookie name: mailpoet_revenue_tracking
Cookie expiry: 14 days.
Cookie description: The purpose of this cookie is to track which newsletter sent from your website has acquired a click-through and a subsequent purchase in your WooCommerce store.

Cookie name: mailpoet_subscriber
Cookie expiry: 3,650 days.
Cookie description: The purpose of this cookie is to track subscriber engagement. It is used when the user logs in, signs up in a form, confirms subscription to a newsletter, or places an order through WooCommerce.
Note: User must be opted-in and a confirmed subscriber.

Cookie name: popup_form_dismissed_{$formId}
Cookie expiry: the expiration date varies and can be set per form.
Cookie description: This cookie is used to track if a user has previously dismissed a specific form, preventing the re-display of the form until the cookie’s expiration date. It is applicable for popup, slide-in, or fixed bar forms.

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Store / WooComerce

We collect the necessary information about you during the checkout process at our store for a successful transaction.

What we collect and store

While you visit our site, we’ll track:

• Products you’ve viewed: we’ll use this to, for example, show you products you’ve recently viewed
• Location, IP address and browser type: we’ll use this for purposes like estimating taxes and shipping
• Shipping address: we’ll ask you to enter this so we can, for instance, estimate shipping before you place an order, and send you the order!

We’ll also use cookies to keep track of cart contents while you’re browsing our site.

When you purchase from us, we’ll ask you to provide information including your name, billing address, shipping address, email address, phone number, credit card/payment details and optional account information like username and password. We’ll use this information for purposes, such as, to:

• Send you information about your account and order
• Respond to your requests, including refunds and complaints
• Process payments and prevent fraud
• Set up your account for our store
• Comply with any legal obligations we have, such as calculating taxes
• Improve our store offerings
• Send you marketing messages, if you choose to receive them

If you create an account, we will store your name, address, email, and phone number, which will be used to populate the checkout for future orders.

We generally store information about you for as long as we need the information for the purposes for which we collect and use it, and we are not legally required to continue to keep it. For example, we will store order information for XXX years for tax and accounting purposes. This includes your name, email address, and billing and shipping addresses.

We will also store comments or reviews, if you choose to leave them.

Who on our team has access

Members of our team have access to the information you provide us. For example, both Administrators and Shop Managers can access:

• Order information like what was purchased, when it was purchased, and where it should be sent, and
• Customer information like your name, email address, and billing and shipping information.

Our team members have access to this information to help fulfill orders, process refunds, and support you.

What we share with others

In this section, you should list who you’re sharing data with and for what purpose. This could include, but may not be limited to, analytics, marketing, payment gateways, shipping providers, and third-party embeds.

We share information with third parties who help us provide our orders and store services to you; for example —

Payments

In this subsection you should list which third party payment processors you’re using to take payments on your store since these may handle customer data. We’ve included PayPal as an example, but you should remove this if you’re not using PayPal.

We accept payments through PayPal. When processing payments, some of your data will be passed to PayPal, including information required to process or support the payment, such as the purchase total and billing information.

Please see the PayPal Privacy Policy for more details.

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Liability Disclaimer

All content on this website is provided for informational and educational purposes only and should not be taken as professional advice (including medical, nutritional, financial, or legal advice). Always consult a professional before making any major decisions.

We do not guarantee the accuracy or completeness of the information on this site. We are not responsible for any losses or damages resulting from the use of our content.

Third-party advertisers, affiliate partners, and commenters are solely responsible for their content. Their views do not necessarily reflect our own.

Website Disclaimer – Not Financial Advice

The content, tools, and materials on this website are for informational and educational purposes only and do not constitute financial, investment, legal, tax, or other professional advice. Although we strive to provide accurate and up-to-date information, The Cozy Saver and thecozysaver.com makes no warranties or representations as to the accuracy, completeness, or suitability of any information on this site.

By using this website, you acknowledge and agree that:

1. No Fiduciary Relationship
   Your use of this site does not create a fiduciary or advisory relationship between you and The Cozy Saver or thecozysaver.com.
2. Consult a Professional
   Before making any financial decision, you should seek advice from a qualified professional who can take into account your personal circumstances.
3. No Guarantees
   Past performance is not indicative of future results. We cannot guarantee any specific outcome or level of savings, returns, or performance.
4. Assumption of Risk
   You assume all responsibility and risk for any actions you take based on the information provided here.
5. Limitation of Liability
   Under no circumstances shall The Cozy Saver or thecozysaver.com, its owners, affiliates, or contributors be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or its content.
6. External Links
   This site may contain links to third-party websites. These links are provided for your convenience only, and The Cozy Saver or thecozysaver.com has no control over—and is not responsible for—the content or practices of those sites.

By continuing to browse or use this site, you agree to the terms of this disclaimer. If you do not agree with any part of this disclaimer, please discontinue use of the website immediately.

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Changes to This Privacy Policy

We may update this Privacy Policy and Terms of Use from time to time. The latest version will always be posted here. By continuing to use our site, you agree to the terms of the current Privacy Policy.

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Contact Us

If you have any questions about this Privacy Policy or Terms of Use, please contact us at:
hi@thecozysaver.com.