Who we are
Our website address is: https://beamoneypro.com
At beamoneypro.com we try to provide accurate information on personal finance and investing however it should be noted that this may not apply directly to your individual situation. We are not financial advisors and we recommend you consult with a financial professional before making any serious financial decisions.
The content on beamoneypro.com is for information and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor.
Beamoneypro.com is part of several affiliate networks. This means that many of the companies whose products you see listed on this site pay us referral fees for sending them customers for certain products at no additional cost to you.
When you click to buy those products using the links that you find on this site, we receive compensation from the company that sells the product. Being a part of these networks makes it possible to support the development of this website and keep the information free to our loyal readers.
We greatly appreciate it when you choose to use our links to buy products and we aim to be upfront about products we receive compensation for.
Our affiliate networks include AWIN, Commission Junction, Trade Doubler, Rakuten, Impact and Clickbank.
References to products, offers, and rates from third party sites often change. We recommend checking the rates on third-party sites to confirm the most up to date information.
Amazon Affiliate Disclosure
Beamoneypro.com 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 linking to Amazon.com, audible.com, and any other website that may be affiliated with Amazon Service LLC Associates Program.
Google Ads Disclosure
We also use third party advertisements on beamoneypro.com 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).
Google 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 York, you may see York hotel advertisements when viewing a non-related site, such as on a site about football).
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.
What is Personal Data?
Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
What personal data we collect and why we collect it
Depending upon your use of our website, we may collect some or all of the following personal, and non-personal, data.
Name, gender, email address, information about your preferences and interests, IP address, web browser type and version, geographical location, operating system, URLs of referring sites, and details your activity on our website such as pages viewed and duration of visit.
Under GDPR, we must always have a lawful basis for using personal data. This may be because the data is necessary for our performance of a contract with you, because you have consented to our use of your personal data, or because it is in our legitimate business interests to use it. Your personal data will be used for one of the following purposes:
- Providing and managing your access to our website
- Personalising and tailoring your experience on our website
- Supplying our services to you. Your personal details are required in order for us to enter into a contract with you.
- Personalising and tailoring our products or services for you.
- Communicating with you. This may include responding to emails or calls from you.
- Supplying you with information by email that you have opted-in to (you may unsubscribe or opt-out at any time by clicking unsubscribe in any email we send you).
- Analysing your use of our website and gathering feedback to enable us to continually improve our website and your user experience.
With your permission and / or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email with information, news, and offers on our products or services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.
The IP address of visitors, user ID of logged in users, and username of login attempts are conditionally logged to check for malicious activity and to protect the website from specific kinds of attacks. Examples of conditions when logging occurs include login attempts, log out requests, requests for suspicious URLs, changes to website content, and password updates. This information is retained for 60 days.
When visitors leave comments on our website 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 anonymised string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it.
After approval of your comment, your profile picture is visible to the public in the context of your comment. Any comments that you leave on this blog may be public, as they will be displayed at the bottom of blog posts. Please note that we reserve the right to decline to publish any comments.
Your name will be seen by others, but your email address will remain private. Although we have access to this. Leaving your email address here will not sign you up for any services and information left in comments will not be shared with third parties.
Visitor comments may be checked through an automated spam detection service.
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.
By default Forminator captures the IP Address for each submission to a Form. Other personal data such as your name and email address may also be captured, depending on the Form Fields.
If you leave a comment on our website 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.
We use Google Analytics and other tracking tools to collect data, anonymously, that cannot be used to identify you personally but allows me to improve my website, deliver relevant content and have an overview of audience demographics for marketing purposes.
Google Analytics will capture your IP address, but no other personal information is captured. You can opt out of Google Analytics by going to https://tools.google.com/dlpage/gaoptout.
Who we share your data with
If you request a password reset, your IP address will be included in the reset email.
This website is scanned for potential malware and vulnerabilities by the iThemes Site Scanner. We do not send personal information to the scanner; however, the scanner could find personal information posted publicly (such as in comments) during the scan.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognise 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.
Security logs are retained for 60 days.
When visitors or users submit a form (e.g. contact us) we retain the data for 30 days.
What rights you have over your data
If you have an account on this website, 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 your data is sent
Should you need to contact us for any reason, you can either use the contact us page on our website or alternatively contact us directly by email at [email protected]