About Us

TalkAboutSavingMoney.com is a free site that provides smart ideas to make your money go further, from entertainment to food, and gadgets to travel. Don’t pay full price for anything!

If you like this site, please tell your friends. If you want a weekly summary of the articles from this site, you can subscribe here.

When you subscribe, you will receive a free e-book that describes our general philosophy on how you can live better and, at the same time, save a lot. The e-book can be read on computers, digital readers, tablets, and smartphones.

Note: When you click on some of the links on this site, you may be offered goods or services for which Century Publishing may receive a small commission for referring customers. For example, this site 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. Your interactions with these companies are solely between you and them, and Century Publishing is not responsible or liable for any loss, damage, or dispute occasioned by you as a result of your dealings with the companies referenced herein.

This site is owned by Century Publishing.


Contact Us

For questions, contact info@centurypubl.com.


Terms of Use

By using this site, you agree to the conditions below. If you disagree with any of the conditions, do not use this site. We reserve the right to change these conditions at any time, so please check for changes to these terms each time you use the site. Your continued use of the site following the posting of changes to these conditions means that you accept those changes.

Licenses and Restrictions

This site is owned and operated by Century Publishing. All information and media on this site is owned or licensed by us. You may view, download, and print material from this site only for your personal, noncommercial use unless otherwise indicated. You may not post material from this site on another website or on a computer network without our permission. You may not transmit or distribute material from this site to other sites. You may not use this site or information found at this site to sell or promote products or services or to solicit clients or for any other commercial purpose.

Materials may be reproduced by media personnel for use in traditional public news forums unless otherwise indicated.

Notwithstanding the foregoing, Century Publishing reserves sole discretion and right to deny, revoke, or limit use of this site, including reproduction of site content. It is not our responsibility, however, to determine what “fair use” means for persons wishing to use materials from this site. That remains wholly a responsibility of the user. Furthermore, we are not required to give additional source citations, nor to guarantee that the materials are cleared for alternate uses. Such responsibility also ultimately remains with the user. However, Century Publishing maintains the right to prevent infringement of its materials and to interpret “fair use” as it understands the law.

Code of Conduct

You agree that you will not individually, or as part of any collective effort, submit or post information to this site that could be deemed harmful or offensive to other users, nor will you impersonate another user in order to hide your identity or implicate another in such actions. You agree to do nothing that might disrupt the flow of data to and from this site, impact the service or performance of this site, or circumvent any of the controls or usage rules that we have implemented. You understand that the result of harmful or offensive actions may include revocation of your right to use this site and legal action against you.

Linking

For your convenience, this site may contain links to websites operated by others. These sites are not maintained or controlled by us, and we are not responsible for their content.

We believe that those who make information available on the Internet expect that it will be publicly and widely available. Therefore, we believe that linking to other sites is legally permissible and consistent with the expectations of those who use the Internet. However, if access to a particular site should be restricted, the site operator should promptly notify us.

Jurisdiction and Applicable Law

This agreement shall be governed by the laws of the State of Utah, United States of America, as applied to agreements entered into and to be performed entirely within the state, without giving effect to any principles of conflicts of law. Any action you bring to enforce this agreement or any matters related to this site shall be brought in either the state or federal courts located in Salt Lake County, Utah, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of this agreement is unlawful, void, or unenforceable in whole or in part, the remaining provisions shall not be affected, unless we determine that the invalid or unenforceable provision is an essential term to the agreement, in which case we may at our sole discretion amend the agreement.

Limitations of Liability

We are not liable for any special or consequential damages resulting from your use of, or your inability to use, the materials in this site or any linked site, including, but not limited to, lost profits, business interruption, and loss of programs or other data on your information handling system. In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this site or any linked site.

Disclaimers

This website is designed to provide accurate and authoritative information with regard to the subject matter covered. It is provided with the understanding that neither the authors nor the publisher is engaged in rendering legal, accounting, or other professional advice. If legal advice or other expert professional assistance is required, the services of a competent professional person should be sought.

The materials at this site and any linked site are provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, warranties of title and implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the functions contained at this site will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components.

Effective Date: This version of the Terms of Use became effective on August 25, 2012.


Privacy statement

Introduction

Our online services are a network of general audience sites, are not targeted to children, and do not knowingly collect personal information from children under 13 years of age.

The privacy of your personal information is important to us. This Privacy Policy is intended to be a general statement that describes how we collect, use, and process personal information you provide on our websites or applications (referred to as “sites”). We strive to collect, use, and disclose personal information in a manner consistent with the laws of the countries in which we collect personal information. This Privacy Policy applies to this site, which is owned and operated by Century Publishing.

You can visit most of our sites without providing any personal information. When personal information is requested, we adhere to the following privacy principles regarding how we collect, use, disclose, transfer, and store your information.

Information We Collect

Personal Information. This is the information that identifies you as an individual, such as name, postal address, telephone number, e-mail address and credit or debit card number.

Personal Information You Submit. We collect Personal Information when you submit it to us, including but not limited to when you register for or subscribe to certain products or services, create a profile, participate in a sweepstakes or contest, take a survey, use an interactive feature, or participate in a forum.

Personal Information We Receive from Third Parties. We may receive Personal Information about you from third parties, including, for example, information about your transactions, purchase history, or relationships with various product and service providers, and your use of certain applications. For example, if you access an Online Service through a third party connection or log-in, such as Facebook Connect, that third party may pass certain information about your use of its service to us. This information could include, but is not limited to, the user ID associated with your account, any information you have permitted the third party to share with us, and any information you have made public in connection with that service.

Other Information. This is any information that does not reveal your specific identity, such as browser information, information collected through cookies and other technologies, demographic information, and aggregated information. We may combine Other Information with your Personal Information, and when we do, we treat the combined information as Personal Information.

Other Information You Submit. We collect Other Information when you submit it to us. It may include your gender, education, occupation, interests, photos, connections, and comments.

Other Information We Receive from Third Parties. We may receive Other Information about you from third parties, including, for example, demographic data, information about your interests, and information about your activities on other websites.

Other Information We Collect Automatically When You are Online. When you access our Online Services, we automatically collect certain information about those visits. For example, our servers may receive and record information about your computer and browser, potentially including your IP address, browser type, and other software or hardware information. If you access our services from a mobile or other device, we may collect a unique device identifier assigned to that device (“UDID”) or other transactional information for that device in order to serve content to it. We also may use cookies and other tracking technologies (including browser cookies, pixels, beacons, and Adobe Flash technology including cookies), which are comprised of small bits of data that often include an anonymous unique identifier. Websites send this data to your browser when you first request a web page and then store the data on your computer so the website can access information when you make subsequent requests for pages from that site. We may use these technologies to facilitate our login processes; personalize your experience; display relevant content, products, services and advertising, as described further below; and collect and store information about your usage of our services, such as pages you have visited, search queries you have run, and advertisements you have seen. We may also use cookies and similar tools to relate your use of our services to Personal Information obtained from you or a reputable third party. For example, if you have asked us to provide you information about our upcoming products or promotions, cookie and/or clickstream data about your activities on our services may allow us to limit the materials we provide you to items we think you will find interesting, based on your prior online activities and preferences.

Third parties that support our services by serving advertisements or providing services, such as providing users with the ability to comment on content, allowing users to share content, or tracking aggregate site usage statistics, may also use these technologies to collect Other Information. Century Publishing may not control these third-party technologies and their use may be governed by the privacy policies of third parties using such technologies. For more information about third-party advertising on our services, see the section on delivering advertising below.

Most browsers are initially set to accept cookies, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser for more information (e.g., http://windows.microsoft.com/en-US/windows-vista/Block-or-allow-cookies).

Users can manage the use of Flash technologies, including cookies, with the Flash management tools available at Adobe’s website, see http://www.adobe.com/products/flashplayer/security/privacy_policy/faq.html. Please note that by blocking any or all cookies you may not have access to certain features or personalization available through our services.

How We Use Your Information

We use the Personal Information we collect from and about you for the purposes set forth below. Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, then we may use and disclose it for all the purposes for which we use and disclose Personal Information.

To improve the quality of our products and services, we may combine the Personal and Other Information we collect with information that you provide to us in connection with your use of other Century Publishing products, services and websites, or information from third parties.

To provide and manage our services. We use the information we collect from and about you to provide our products and services and features to you, including: to process and fulfill your subscription, to send you information about your relationship or transactions with us, to measure and improve those services and features, to personalize your experience to allow you to comment on content, participate in online games, contests, promotions or rewards programs, to provide you with customer support, and to respond to inquiries.

To deliver relevant content and recommendations. To make your experience more interesting and personalized, we may use any of the Personal and Other Information we collect to assist us in delivering content on our online services.

To deliver relevant online advertising. We may use any of the information we collect to assist us in delivering relevant ads to you when you visit our online services. (See Information We Collect, above, for details on the types of information we may use.) We may work with third party online advertising companies and advertisers who help deliver these ads to you. We will not sell, rent, or share your Personal Information with these third parties for such parties’ own marketing purposes, unless you choose in advance to have your Personal Information shared for this purpose. Information about your activities on our online services and other non-personally identifiable information about you may be used to limit the online ads you encounter to those we believe are consistent with your interests. Third-party advertising networks and advertisers may also use cookies and similar technologies to collect and track non-personally identifiable information such as demographic information, aggregated information, and Internet activity to assist them in delivering advertising on our online services that is more relevant to your interests.

To contact you. Century Publishing may periodically send promotional materials or notifications related to our products and services to the e-mail address you provided to us at registration or to your account. To help make these promotional materials more relevant to you, we may use and combine any of the Personal and Other Information we collect to assist us in sending you promotional materials. If you want to stop receiving promotional materials from us, you can change your setting through the appropriate link on the website or follow the unsubscribe instructions at the bottom of each e-mail. We may also use your e-mail address to respond to inquiries or requests you make to us.

Though we are under no obligation to monitor your content submissions, we reserve the right to do so at our sole discretion. We also reserve the right to block or remove any content we deem inappropriate, obscene, lewd, lascivious, filthy, violent, harassing, defamatory, libelous, tortious, illegal, threatening, or otherwise objectionable, regardless of whether it was intended to be private or public. Since we do not review all content submitted through every feature on every site, we cannot guarantee that we will be able to take protective measures in the event you provide content disclosing information about a person who is a victim of harm or abuse or is at risk of becoming a victim of harm or abuse.

How We Share Your Information

Information Made Public Through Use of Our Services and User Privacy Settings

Certain features on our online services give you an opportunity to interact with us and others. These may include forums, message boards, submitting a letter to the editor, creating community profiles, and rating, tagging and commenting on articles. When you use these features, you should be aware that any information you submit, including your name, location and e-mail address, may be publicly available to anyone, including other users, search engines, advertisers, third party application developers, and anyone else with access to our online services. We are not responsible for any information you choose to submit and make public through these interactive features.

Our Disclosure of Information

We only share your Personal Information with non-affiliated third parties when we believe sharing is permitted by you or authorized by this Privacy Policy. In addition, we may share your Personal Information with Affiliated Companies.

We also share your Personal Information:

  • To allow third-party service providers to assist us in providing and managing Our Services. We may make your Personal Information available to certain third-party service providers, such as contractors, agents or sponsors, who help us manage or provide our products and services by, for example: developing or supporting products and features; sending e-mail messages on our behalf; processing payments; fulfilling orders; delivering subscriptions; auditing; processing data or statistics; and serving, customizing or delivering marketing or ads. These outside service providers are required to protect Personal Information entrusted to them and not use it for any other purpose than the specific service they are providing to us.
  • To permit third parties to send you promotional materials. We may share your contact information with other companies whose products and services may be of interest to you. While many of our subscribers appreciate receiving offerings from these companies, if you prefer that we do not share your information for this purpose, please contact us.
  • To protect the rights of Century Publishing and our users. There may be instances when Century Publishing may disclose your Personal Information, including situations where we have a good faith belief that such disclosure is necessary in order to: (i) protect or defend the legal rights or property of Century Publishing, our Affiliated Companies or their employees, agents and contractors (including enforcement of our agreements); (ii) protect the safety and security of users of the our products and services or members of the public; (iii) protect against fraud or for risk management purposes; (iv) comply with the law or legal process, including laws outside your country of residence; or (v) to respond to requests from public and government authorities including public and government authorities outside your country of residence.
  • To complete a merger or sale of assets. If Century Publishing sells all or part of its business or makes a sale or transfer of its assets or is otherwise involved in a merger or transfer of all or a material part of its business,Century Publishing may transfer your information to the party or parties involved in the transaction as part of that transaction.

Notice

Means of Notice and Choice. This Privacy Policy is the primary means by which we provide you with notice and choice about our collection and use of your Personal Information. If we ask for specific Personal Information that will be used in a manner different from what is described in this Privacy Policy, we will inform you at the time of collection.

Privacy Policy Changes. Century Publishing may modify this Privacy Policy as necessary. If we make material changes to this Privacy Policy that materially expand our rights to use your Personal Information, we will provide you with notice and choice consistent with applicable law.

Cross-Border Transfer. Your Personal Information may be stored and processed in any country where we have facilities or in which we engage service providers, and by using our products and services, you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have different data protection rules than in your country.

Data Retention. We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or allowed by law.

Linked Websites. Our online services may also be linked to sites operated by Century Publishing affiliates or third parties, and may carry advertisements or offer content, functionality, games or applications developed and maintained by third parties. Century Publishing is not responsible for the privacy practices of any such third parties, and once you leave our online services via a link, enable a third-party service, or click an advertisement, you should check the applicable privacy policy of the third-party site.

Security

Century Publishing uses commercially reasonable administrative, technical, personnel and physical measures to safeguard Personal Information in its possession against loss, theft and unauthorized use, disclosure or modification.

How To Access, Correct, or Update Your Information

You can access or modify your registration or subscription information and modify your preferences by contacting us as indicated above.

Effective Date: This version of the Privacy Policy became effective on August 25, 2012.