Disclaimer, Disclosure, and Privacy Policies

This policy is valid from November 20, 2007 and was last modified on October 4, 2014.

Northern Cheapskate blog is a personal blog owned and operated by Christina Brown. For questions about this blog, please contact Christina at christina@northerncheapskate.com.

I am not a financial advisor. I am simply a stay-at-home mom interested in saving money and living a frugal lifestyle.While I enjoy giving my opinions and sharing deals with you, please remember that you are ultimately responsible for making your own, educated decisions when it comes to your personal finances.

This blog contains links to other websites. All external links contain content which is not endorsed or controlled by this blog. All information that you submit on other websites is done so at your own risk. I encourage you to read the “Privacy Policy” of each website you visit before submitting any information to these websites. I can not make any guarantees that you will receive any of the free samples or discounts that you request, because all offers are made by other entities.

Links to other websites may change or may no longer be valid. It is nearly impossible for me to keep up with all of the changes. If you should find a broken link or misinformation, please e-mail me and I will do my best to make a correction.

You are responsible for the information you submit in the form of a comment on a post on this blog. Your comments can be read by anyone and your profile can be viewed by anyone. Your e-mail address will never be shared with anyone. Comments may be moderated to ensure a good experience for the readers of Northern Cheapskate. Comments that are rude, spammy, irrelevant to the topic, or harassing will be deleted. In an effort to reduce the amount of spam, comments will be closed on posts older than 90 days.

Disclosure: Advertising and Affiliate Links
This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

The compensation received may influence the advertising content, topics or posts made in this blog.

Some links to freebies, coupons, or products are affiliate links. These affiliate links, which will always be clearly identified, help support my work as a blogger.   For example, Northern Cheapskate, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com, endless.com, smallparts.com and myhabit.com.

When you make a purchase, sign up for a freebie, or print a coupon through one of my affiliate links, I will earn a small commission.  This doesn’t change the price you pay – I just simply earn a portion of the sales.  You are always welcome to go directly to the source page instead of using my affiliate links.

I am sometimes compensated to provide opinions on products, services, websites and various other topics. Any posts, reviews or giveaways that are sponsored will always be clearly identified as such.

Even though I sometimes receive compensation for my posts or advertisements, I always give my honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely my own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

This site also uses third-party advertising networks.  Northern Cheapskate does not control the content of these ads and cannot be responsible for what happens when you click on an advertisement and leave Northern Cheapskate. Please be sure to be an informed consumer when visiting any website or blog.

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

Privacy Policy
At Northern Cheapskate, we recognize that privacy of your personal information is important.

We will respect the information that you submit to me in order to enter the giveaways that we host or when you subscribe to Northern Cheapskate. We will never give or sell your information (including your e-mail address) to anyone without your permission. This blog does not knowingly collect information from minors, only from adults ages 18 and above.

Here is information on what types of personal information we receive and collect when you use and visit Northern Cheapskate 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 Charter 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 pop-up once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on Northern Cheapskate 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).

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 choose 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.

AdSense Privacy Policy Provided by JenSense

Please contact me if you have any questions or comments regarding this policy.