Who we are
Our website address is https://thefrugalstudent.com.
Contact
If you have any concerns or questions about our Privacy Policy, please email us at tfs@thefrugalstudent.com.
What personal data we collect and why we collect it
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.
Contact Forms
To assist with sending you requested information and responding to your concerns/queries, we collect and store your email address. You may opt-out of the collection of your data by:
- Unsubscribing (we will remove your data) or
- Contacting us at tfs@thefrugalstudent.com
Newsletter Emails
With the newsletter, we inform the user about the website, relevant promotions, and us.
When registering for the newsletter, you have to provide an email address and name. This email address will be transmitted to and stored by us (or a provider as specified below).
After registration, you will receive an email to confirm the registration (“double opt-in”). By clicking the registration link you have given your consent to the processing of your personal data for receiving our newsletter according to Art. 6 (1) a. GDPR and we may process such data accordingly.
In case of registration for the newsletter, we (or our provider as specified below) may also store the IP address, the device name, the mail provider as well as the name, and the date of registration.
Use of ConvertKit; Transfer of Data outside the EU
The mail provider ConvertKit LLC “ConvertKit”, 113 Cherry St #92768, Seattle, WA 98104-2205, USA receives and processes on our behalf the necessary data for newsletter emails, in particular email address, IP address, device name. These data are processed on servers in the USA. ConvertKit is certified according to “privacy shield”. The “privacy shield” is an agreement between the European Union (EU) and the USA to ensure compliance with European data protection standards in the USA.
ConvertKit is a service with which the dispatch of newsletters can be organized and analyzed. With the help of ConvertKit, we can analyze our newsletter campaigns. When you open an e-mail sent with ConvertKit, a file contained in the e-mail (so-called web beacon) connects to the ConvertKit servers in the USA. This allows CovnertKit and/or us to determine whether a newsletter message has been opened and which links have been clicked on. In addition, technical information is recorded (e.g. time of registration, IP address, browser type, and operating system). This information cannot be assigned to the respective newsletter recipient. They are used exclusively for statistical analysis of newsletter campaigns. The results of these analyses can be used to better adapt future newsletters to the interests of the recipients.
If you do not want ConvertKit to analyze your data, you must unsubscribe from the newsletter. For this purpose, we provide a respective link in every newsletter.
Details on ConvertKit and its privacy policy can be found here.
The data stored for the purpose of newsletter subscription will be stored by us until you unsubscribe from the newsletter and will be deleted from our servers as well as from the servers of ConvertKit after you unsubscribe from the newsletter. Data stored by us for other purposes remain unaffected.
OPT-OUT: You can withdraw your consent to the storage of data, the email address, and their respective use for sending the newsletter at any time. This can be done free of charge (except for the transmission costs) and via a link in the newsletter itself or notification to us or, if applicable, to ConvertKit.
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.
Cookies
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.
To find out more, read our Cookie Policy.
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.
Google Analytics
The operator of the Google Analytics component is Google Inc., 1600 Amphitheatre Pkwy, Mountain View, CA 94043-1351, USA.
Google Analytics is a web analytics service. Web analysis is the gathering, collection, and analysis of data about the behavior of visitors to websites. Among other things, a web analysis service collects data on which website a data subject has come to a website from, which subpages of the website were accessed, or how often and for which period of time a subpage was viewed. A web analysis is mainly used to optimize a website and for the cost-benefit analysis of Internet advertising.
Google Analytics uses cookies. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there. Google might transfer the personal information collected via this technical procedure to third parties.
IP anonymization is activated on our website. Your IP address will be shortened by Google within Member States of the European Union or other states in agreement with the European Economic Area. Only in exceptional cases, the full IP address is sent to and shortened by a Google server in the USA. On behalf of the operator of the website, Google will use this information to evaluate your use of the website, compile reports on website activity and provide further services related to website and internet use to us. The IP address transferred through your browser to Google Analytics will not be combined with other data held by Google.
You can prevent the storage of cookies by a corresponding setting of your browser software; however, please note that if you do this, you may not be able to use all the features of this website to the fullest extent possible.
In addition, you may prevent the collection of the data generated by the cookie and related to your use of the website (including your IP address) by Google as well as the processing of this data by Google by downloading and installing the browser plug-in available here.
This browser add-on informs Google Analytics via JavaScript that no data and information about website visits may be transmitted to Google Analytics.
In addition, a cookie already set by Google Analytics can be deleted at any time via the Internet browser or other software programs.
Google may use cookies to serve ads based on your prior visits to this site or other websites. Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visit to this site and/or other sites on the Internet. You may opt-out of personalised advertising by visiting this link.
Further information and Google‘s applicable privacy regulations can be found here. More information on how Google may use any information collected can be found here.
Who we share your data with
Any data collected may be shared with:
- Service providers and others who help with our business operations and assist in the delivery of our products and services including, but not limited to, application development, site hosting, maintenance, data analysis, infrastructure provision, IT services, customer service, email delivery services, payment processing, marketing, analytics, and enforcement of our Terms of Service Agreement and other agreements;
- Other users of the site to identify you to anyone to whom you send messages or make comments through the Services;
- Persons or entities with whom you consent to have your Personal Data shared;
- Third parties in order to prevent damage to our property (tangible and intangible), for safety reasons, or to collect amounts owed to us;
- Merchants and payment processors;
- And third parties as we believe necessary or appropriate, in any manner permitted under applicable law, including laws outside your country of residence.
We do this in order to:
- Maintain the stable operation of this website;
- Improve the service we provide;
- Monitor and analyse the performance of this website;
- Send you email updates and offers (with your consent);
- Comply with legal processes;
- Respond to requests from public and government authorities, including public and government authorities outside your country of residence;
- Enforce our Terms of Service Agreement and other agreements;
- Protect our operations;
- Protect our rights, privacy, safety or property, and/or that of our affiliates, you, or others;
- And allow us to pursue available remedies or limit the damages that we may sustain.
We will never sell, rent, or lease your Personal Data to a third party.
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 that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
Google Analytics data is retained for 50 months.
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.
Where we send your data
Visitor comments may be checked through an automated spam detection service. Third parties have access to your data as noted within this agreement.