The Educated Consumer blog is owned and operated by Tessa Reimer. The opinions discussed represent Tessa Reimer and not those of the Educated Consumer business partners or sponsors. Tessa Reimer is not claiming she is an expert in the subjects she analyzes.  There is no guarantee that information reviewed on this weblog provides absolute accuracy or truth and is not to be assumed as factual information. Published articles at http://theeducatedconsumer.com are constantly changing and past articles may not always be accurate now. Always check the dates and sources of articles.  Comments and opinions left by others on the site are public domain and do not reflect the responsibilities of Tessa Reimer or The Educated Consumer. 

The Educated Consumer accepts no responsibility or liability for damage or harm inferred or implied that resulted from products featured, reviewed, advertised, or discussed about on http://theeducatedconsumer.com.  Readers are at their own risk when downloading any files, links, or other materials provided on the website. Damage or harm done to someone else’s blog, site or computer is the readers responsibility, not The Educated Consumer blog.

By using and participating in The Educated Consumer blog you are agreeing to the disclaimers and terms of use, policies and rules. Do not use or interact with this website if you are not comfortable with the policies, disclaimer, terms of use or rules.

Privacy Policy

Last Updated: 08/16/2020

SECTION 1: WHO WE ARE

Our website address is http://theeducatedconsumer.com . Privacy information is controlled by Tessa Reimer.

SECTION 2: 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 to help prevent spam.

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. 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, we use The Educated Consumer to collect and store your email address. You may opt out of the collection of your data by:

1. unsubscribing (we will remove your data) and
2. contacting them using the instructions on their privacy policy: 

EMBEDDED CONTENT FROM OTHER WEBSITES

Articles on this site may include embedded content (e.g. youtube, pinterest, wordpress.org, instagram, facebook, 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 tracing your interaction with the embedded content if you have an account and are logged into that website.

ANALYTICS

We use Google analytics to record information about the pages a user has seen, for example the URL of the page, time of day, device used, etc. The information that we collect anonymized and sent to Google Analytics for analysis. Google Analytics mainly uses first-party cookies to report on visitor interactions on this website. Users may disable cookies or delete any individual cookie. In addition, Google Analytics supports an optional browser add-on that – once installed and enabled – disables measurement by Google Analytics for any site a user visits. Note that this add-on only disables Google Analytics measurement. Google Analytics also collects Internet Protocol (IP) addresses to provide and protect the security of the service, and to give website owners a sense of which country, state, or city in the world their users come from (also known as “IP geolocation”). See this page for Google Analytics security and usage of data: https://support.google.com/analytics/answer/6004245

SECTION 3: WHO WE SHARE YOUR DATA WITH

The 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 to:

• comply with legal process;
• 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.

SECTION 4: HOW LONG WE RETAIN YOUR DATA

If you leave a comment, the comment and its metadata are retained for one year. 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.

Analytics data is retained indefinitely.

Contact forms are held for one year.

SECTION 5: 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.

SECTION 6: 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.

ADDITIONAL INFORMATION

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

USERS UNDER 13 YEARS OF AGE

Our Services are not directed to and we do not knowingly collect Personal Data from children under the age of 13. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. If we become aware that a child under the age of 13 has provided us with Personal Data, we will take steps to remove such data. If you become aware that your child has provided us with Personal Data without your consent, please contact us at tessa@educatedconsumerblog.com and we will do our best efforts to promptly remove such information from our records.                        .

By using the Services, you are representing to us that you are not under the age of 13.

PROTECTION OF PERSONAL DATA

We use reasonable and appropriate physical, electronic, and administrative safeguards to protect personal data from loss, misuse and unauthorized access, disclosure, alteration and destruction, taking into account the nature of the Personal Data and risks involved in processing that information.

NOTICE AND CHOICE

i. The types of Personal Data we collect and why we collect it, are described in Section 2 of this Privacy Policy.

ii. See section 5 to remove your data from this site.

At The Educated Consumer, accessible from https://educatedconsumerblog.com, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by The Educated Consumer and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

Log Files

The Educated Consumer follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services’ analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users’ movement on the website, and gathering demographic information.

Cookies and Web Beacons

Like any other website, The Educated Consumer uses ‘cookies’. These cookies are used to store information including visitors’ preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users’ experience by customizing our web page content based on visitors’ browser type and/or other information.

For more general information on cookies, please read the “What Are Cookies” article on Cookie Consent website.

Google DoubleClick DART Cookie

Google is one of a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to http://www.website.com and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads

Our Advertising Partners

Some of advertisers on our site may use cookies and web beacons. Our advertising partners are listed below. Each of our advertising partners has their own Privacy Policy for their policies on user data. For easier access, we hyperlinked to their Privacy Policies below.

• Googlehttps://policies.google.com/technologies/ads

Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of The Educated Consumer. Our Privacy Policy was created with the help of the Free Privacy Policy Generator and the Privacy Policy Generator Online.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on The Educated Consumer, which are sent directly to users’ browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that The Educated Consumer has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

The Educated Consumer’s Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites. What Are Cookies?

Online Privacy Policy Only

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in The Educated Consumer. This policy is not applicable to any information collected offline or via channels other than this website.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its Terms and Conditions.

CHANGES TO THIS PRIVACY POLICY

We may change this Privacy Policy at any time. The most recent version of the Privacy Policy is indicated by the “Last Updated” date at the top of the Privacy Policy. All changes are effective immediately upon posting. Please review this Privacy Policy frequently to stay updated on changes that may affect you. Your continued use of this website signifies your continuing consent to be bound by this Privacy Policy.

CONTACT INFORMATION

Disclosure Policy

This Influencer Disclosure Policy is valid as of August 16, 2020. This policy covers the below social channels owned and managed by Tessa Reimer and The Educated Consumer :

• Instagram Handle : @educatedconsumerblog
• Facebook Handle : @theeducatedconsumerblog
• Pinterest Handle : @theeducatedconsumer
• Blog : http://theeducatedconsumer.com

These channels strive to abide by the FTC Guidelines for online influencers. The owner believes in honesty of relationship, opinion, and identity. The compensation the owner receives from marketers may influence our content, topics or posts made to our social channels. That content, advertising space or post will be clearly identified as paid or sponsored content in accordance with the FTC Guidelines.

The owner of these social channels are compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of these social media channels receive compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed through these channels are purely the bloggers’ 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.

The owner of these social media channels would like to disclose the following existing relationships. These are companies, organizations or individuals that may have a significant impact on the content of this blog.

• The owner does not serve on any corporate or non profit boards

Terms and Conditions

These terms and conditions outline the rules and regulations for the use of The Educated Consumer’s Website, located at https://theeducatedconsumer.com.

By accessing this website we assume you accept these terms and conditions. Do not continue to use The Educated Consumer if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Netherlands. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies

We employ the use of cookies. By accessing The Educated Consumer, you agreed to use cookies in agreement with the The Educated Consumer’s Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

License

Unless otherwise stated, The Educated Consumer and/or its licensors own the intellectual property rights for all material on The Educated Consumer. All intellectual property rights are reserved. You may access this from The Educated Consumer for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Republish material from The Educated Consumer
• Sell, rent or sub-license material from The Educated Consumer
• Reproduce, duplicate or copy material from The Educated Consumer
• Redistribute content from The Educated Consumer

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. The Educated Consumer does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of The Educated Consumer,its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, The Educated Consumer shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

The Educated Consumer reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
• The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
• The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy
• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant The Educated Consumer a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content

The following organizations may link to our Website without prior written approval:

• Government agencies;
• Search engines;
• News organizations;
• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
• System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

• commonly-known consumer and/or business information sources;
• dot.com community sites;
• associations or other groups representing charities;
• online directory distributors;
• internet portals;
• accounting, law and consulting firms; and
• educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of The Educated Consumer; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to The Educated Consumer. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or
• By use of the uniform resource locator being linked to; or
• By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of The Educated Consumer’s logo or other artwork will be allowed for linking absent a trademark license agreement.

iFrames

Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability

We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.