Virtual Re-Union
Savvy & Saved Privacy Policy

Savvy & Saved takes your privacy seriously. Please read the following to learn more about our privacy policy.
The federal government and technology industry have developed practical tips to help you guard against Internet
fraud, secure your computer and protect your personal information.

How Savvy & Saved Uses Your Personal Information

This policy covers how Savvy & Saved treats personal information that Savvy & Saved collects and receives, including
information related to your past use of Savvy & Saved products and services. Personal information is information
about you that is personally identifiable like your name, address, email address, or phone number, and that is not
otherwise publicly available.

This privacy policy only applies to Savvy & Saved

This policy does not apply to the practices of companies that Savvy & Saved does not own or control or to people that
Savvy & Saved does not employ or manage. In addition, some companies that Savvy & Saved has acquired have
their own, preexisting privacy policies.



Savvy & Saved collects personal information when you register with Savvy & Saved, when you use Savvy & Saved
products or services, when you visit Savvy & Saved pages or the pages of certain Savvy & Saved partners, and when
you enter promotions or sweepstakes. Savvy & Saved may combine information about you that we have with
information we obtain from business partners or other companies.

When you register we ask for information such as your name, email address, birth date, gender, ZIP code,
occupation, industry, and personal interests. For some financial products and services we might also ask for your
address, Social Security number, and information about your assets. When you register with Savvy & Saved and sign
in to our services, you are not anonymous to us.

Savvy & Saved collects information about your transactions with us and with some of our business partners,
including information about your use of financial products and services that we offer. Savvy & Saved automatically
receives and records information from your computer and browser, including your IP address, Savvy & Saved cookie
information, software and hardware attributes, and the page you request. Savvy & Saved uses information for the
following general purposes: to customize the advertising and content you see, fulfill your requests for products and
services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and
external clients.


When a child under age 13 attempts to register with Savvy & Saved, we ask the child to have a parent or guardian
creates a Savvy & Saved Family Account to obtain parental permission.

Savvy & Saved does not contact children under age 13 about special offers or for marketing purposes without a
parent's permission.

Savvy & Saved does not ask a child under age 13 for more personal information, as a condition of participation, than
is reasonably necessary to participate in a given activity or promotion.


Savvy & Saved does not rent, sell, or share personal information about you with other people or non-affiliated
companies except to provide products or services you've requested, when we have your permission, or under the
following circumstances:

•        We provide the information to trusted partners who work on behalf of or with Savvy & Saved under confidentiality
agreements. These companies may use your personal information to help Savvy & Saved communicate with you
about offers from Savvy & Saved and our marketing partners. However, these companies do not have any
independent right to share this information.

•        We have a parent's permission to share the information if the user is a child under age 13. Parents have the
option of allowing Savvy & Saved to collect and use their child's information without consenting to Savvy & Saved
sharing of this information with people and companies who may use this information for their own purposes.

•        We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend
against legal claims.

•        We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal
activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of
Savvy & Saved's terms of use, or as otherwise required by law.

•        We transfer information about you if Savvy & Saved is acquired by or merged with another company. In this
event, Savvy & Saved will notify you before information about you is transferred and becomes subject to a different
privacy policy.

Savvy & Saved displays targeted advertisements based on personal information. Advertisers (including ad serving
companies) may assume that people who interact with, view, or click targeted ads meet the targeting criteria—for
example, women ages 18-24 from a particular geographic area.

•        Savvy & Saved does not provide any personal information to the advertiser when you interact with or view a
targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will
make the assumption that you meet the targeting criteria used to display the ad.

•        Savvy & Saved advertisers include financial service providers (such as banks, insurance agents, stock brokers
and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).
Savvy & Saved works with vendors, partners, advertisers, and other service providers in different industries and
categories of business. For more information regarding providers of products or services that you've requested
please read our detailed reference links.


Savvy & Saved may set and access Savvy & Saved cookies on your computer. Savvy & Saved lets other companies
that show advertisements on some of our pages set and access their cookies on your computer. Other companies'
use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have
access to Savvy & Saved's cookies. Savvy & Saved uses web beacons to access Savvy & Saved cookies inside and
outside our network of web sites and in connection with Savvy & Saved products and services.
Your Ability to Edit and Delete Your Account Information and Preferences


You can edit your Savvy & Saved Account Information, including your marketing preferences, at any time.
New categories of marketing communications might be added to the Marketing Preferences page from time to time.
Users who visit this page can opt out of receiving future marketing communications from these new categories or
they can unsubscribe by following instructions contained in the messages they receive.  We reserve the right to send
you certain communications relating to the Savvy & Saved service, such as service announcements, administrative
messages and the Savvy & Saved Newsletter, that are considered part of your Savvy & Saved account, without
offering you the opportunity to opt out of receiving them. You can delete your Savvy & Saved account by visiting our
Account Deletion page. Please know that information might possibly remain in our archived records after your
account has been deleted.

Parents can review, edit, and delete information relating to their child's Savvy & Saved account using tools offered by
Savvy & Saved Family Accounts.

If a parent chooses not to allow us to further collect or use a child's information, parents enrolled in Savvy & Saved
Family Accounts can delete their child's account by signing into that child's account and then visiting our Account
Deletion page.


We limit access to personal information about you to employees who we believe reasonably need to come into
contact with that information to provide products or services to you or in order to do their jobs.
We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal
information about you.

To learn more about security, including the security steps we have taken and security steps you can take, please
read Security at Savvy & Saved.


Savvy & Saved may update this policy. We will notify you about significant changes in the way we treat personal
information by sending a notice to the primary email address specified in your Savvy & Saved account or by placing a
prominent notice on our site.


Savvy & Saved is TRUSTe-certified. This certification applies to all English-language sites under the SavvyandSaved.
com domain. If you feel that your inquiry has not been satisfactorily addressed, you should contact TRUSTe, an
independent privacy organization. TRUSTe serves as a liaison with Savvy & Saved to resolve your concern.

If you have questions or suggestions, please complete a feedback form or you can contact us at:
Savvy & Saved Inc.
Customer Care - Privacy Policy Issues
P.O. Box 1957
Sacramento, CA 95825
(916) 205-8047
Effective Date: July 22, 2009