Privacy Policy

PLEASE READ THE FOLLOWING PRIVACY POLICY CAREFULLY.

By using the Viva La Budget and Finance investment or mortgage calculator application  (the “Application”) or visiting www.vivalabudgetandfinance.com (the “Site”), you are accepting the practices outlined in this “Privacy Policy.” Viva La Budget and Finance, LLC (“VLBF,” “we,” “us, “our”) is committed to protecting the privacy of users of the Site, the Application, and our Services. This Privacy Policy governs the manner in which the Site and the Application collect, use, maintain, and disclose information collected from users (each, a “User”) of the Application and the Site. This Privacy Policy applies to the Site, the Application, and all products and services offered by VLBF (“Services”).

Collection of Information:

Personal Identification Information

We may collect Personal Identification Information (“PII”) from Users in a variety of ways, including, but not limited to, when Users visit the Site or the Application, fill out a form, and in connection with other activities, services, features or resources we make available on our Site and the Application. PII is any information that can be used to individually identify you. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply PII, while knowing any omission of PII may prevent them from engaging in certain Site or Application related activities. We collect PII such as your name, email address, billing address, phone number, instant messaging ID, credit card information, and other payment information, among other information to better assist the User. You will be able to update your PII via each User’s personalized homepage or by contacting hello@vivalabudgetandfinance.com. We will not sell nor disclose your PII to any third party, unless to enhance our own Site, Application, and functions thereof, while doing so confidentially (see below for more detail on how we use and share collected information).

Non-Personal Identification Information

We may collect non-personal identification information (“non-PII”) about Users whenever they interact with the Site or the Application. The non-PII may include the browser name, the number and type of devices you use to connect to the Site or the Application, as well as information about the operating systems on those devices, and other technical information about Users means of connection to the Site or the Application, such as the internet service providers utilized and other similar information.

Cookies and Log Data

Our Site and Application may use “cookies” for site statistics. We use cookies to monitor traffic, improve the Site and Application, and make it easier to use and more relevant for the User. Through our use of cookies, we may recognize your browser or device, learn more about your interests, keep track of your specified preferences, conduct research and diagnostics to improve our offerings, provide you with essential features and services, prevent fraudulent activity, improve security, and deliver content (including ads relevant to your interests on our Site and third-party sites). Although you are free to disable cookies on your browser, we recommend that you leave cookies activated to ensure that all features of the Site are available to you. Other companies we use, including Google Analytics and other similar sites, may have their own terms of use and privacy policies, that will not be monitored or updated by us.

The Site and the Application may use log data. As with most websites and technology services delivered over the internet, our servers automatically collect information when you access or use the Site, the Application, and other Services and record it in log files. This log data may include the Internet Protocol (IP) address, the address of the web page visited before using the Site or the Application, network and connection information about your internet service provider, browser type and settings, the date, time, and location in which the Site or the Application was used, information about browser configuration and plugins, language preferences, identifiers and information contained in cookie data, usage information about interaction with the Site or the Application, aggregate data regarding the use of the Site or the Application, and other information. 

Third Party Data

We may receive information about you from other sources, including publicly available databases or third parties from whom we have purchased data, and combine this data with information we already have about you. We may also receive information from other affiliated companies. This helps us to update, expand and analyze our records, identify new prospects for marketing, and provide products and services that may be of interest to you. Examples of information we receive from other sources include marketing, sales generation, and recruitment information; subscription, purchase, support, or other information about your interactions with our Services offered by us; search results and links, including paid listings. 

 

How We Use Collected Information:

We may collect and use Users’ PII for the following purposes:

  • To carry out our obligations arising from any contracts entered into between you and us;
  • To provide you with information, products, or services that you request from us or which we consider are similar to those you have already purchased or inquired about;
  • To allow you to participate in interactive features of our Services, when you choose to do so;
  • To improve customer service;
  • To notify you about changes to the Site or the Application and respond to inquiries, questions, and/or other requests;
  • To optimize or improve content and operations of the Site, the Application, or Services;
  • To develop additional features on the Site or the Application;
  • To process transactions related to our Services;
  • To market and promote our offerings;
  • To detect, investigate, and prevent activities that may violate our policies or be illegal;
  • To prevent and detect fraud and abuse in order to help us protect the security of our customers;
  • To perform statistical, demographic, and marketing analysis of Users of the Site or the Application; and
  • For any other purpose with your consent.

VLBF Does Not Provide Financial or State Specific Advice:

VLBF prides itself on providing personalized budgeting and monetary advice to you. However, it is important to note that while we may provide advice on how to properly budget your money, we do not provide financial advice. VLBF is a personal-finance and budgeting related resource page. We are not a broker/dealer, investment advisor, we do not have access to non-public information about publicly traded companies, and this is not a place for giving or receiving of financial advice, advice concerning investment decisions or tax or legal advice. No content on the site constitutes, or should be understood as constituting, a recommendation to enter in any securities transactions. Additionally, VLBF does not provide any state specific budgeting tips or resources and any information provided by us should be applied generally.

We may give general tips, concepts, and lessons, but in no way instruct nor advise you on what, or what not to, invest in. Any such decision made by you to invest in any stock market, business, currency, or other such medium, is a decision made by you and we will not be liable for any such decision made. The Site and the Application attempts to be as accurate as possible. Although VLBF attempts to provide information that is useful, we cannot ensure the accuracy of all of the information at all times, and you should not rely on such information in situations where its inaccuracy would cause you to suffer any loss. As such, VLBF will not be liable, whether in contract, tort (including negligence) or otherwise, in respect of any damage, expense or other loss you may suffer arising out of such information or any reliance you may place upon such information.

How We Protect Your Information:

VLBF is committed to protecting the security of your PII and takes certain security measures to help protect such information. VLBF maintains commercially reasonably physical, electronic, and procedural safeguards in connection with the collection, storage, and disclosure of PII. Understand, however, that while we do our best to safeguard your PII once we receive it, no system of storage or transmission of data over the Internet or any other public network can be guaranteed to be 100% secure. 

Please remember that you control what PII you provide while using the Site, the Application, and Services. Ultimately, you are responsible for maintaining the secrecy of your identification, passwords and/or any PII in your possession for the use of the Site, Application, and/or Services. We urge you to take every precaution to protect your information when you are on the internet, or when you communicate with us and with others through the internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of your account might have been compromised), or if you suspect someone else is using your account, please let us know immediately by contacting us at hello@vivalabudgetandfinance.com.

Sharing of Information:

VLBF takes your privacy extremely seriously. We may share generic aggregated demographic information not linked to any PII regarding visitors and Users with our business partners, trusted affiliates, and advertisers for the purposes outlined above. We may share generic aggregated demographic information not linked to any PII regarding visitors and Users with our business partners, trusted affiliates, and advertisers for the purposes outlined above. 

We have third-party agents, subsidiaries, affiliates and service providers who or which perform functions on our behalf, including, but not limited to hosting, content syndication, content management, technical integration, marketing, analytics, and customer service. These entities may have access to PII if needed to perform their functions for VLBF but are not permitted by us to use it for other purposes.

We may also use or disclose PII and non-PII if required to do so by law or on the good-faith belief that such action is necessary to (a) conform to applicable law or comply with legal process served on us, the Site, or the Application; (b) protect and defend our rights or property, the Site, the Application, or our Users, or (c) act to protect the personal safety of us, Users of the Site, the Application, or the public. As part of this effort, we may release account and other PII or non-PII with other companies and organizations for fraud prevention and detection or credit risk reduction.

Third Parties:

Some areas of the Site and the Application are powered by third parties. These web pages, while having the VLBF “look and feel,” reside on the third party’s server and are governed by the privacy policies of such third party. Users may also find advertising or other content on the Site or the Application that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site or the Application. 

In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site or the Application, is subject to that website’s own terms and policies. This Privacy Policy does not apply to information that you may submit to third-party sites and mobile applications that may be linked to or from the Site or the Application. 

Length of Storage of PII:

The time period for which we keep information varies according to what the information is and the purpose for which it is used for. In some cases, there are legal requirements to keep data for a minimum period. Unless there is a specific legal requirement for us to keep the information, we will retain it for no longer than is necessary for the purposes for which the data was collected or for which it is to be further processed.

Children and Privacy:

We believe in the importance of protecting the privacy of children online. The Children’s Online Privacy Protection Act (COPPA) governs information gathered online from or about children under the age of 13. Neither the Site, the Application, nor Services are intended to solicit information of any kind from children under age 13. Unless otherwise disclosed during collection, and with parent or guardian consent, VLBF does not knowingly collect PII from children under 13 years of age. If you are under the age of 13, do not provide any PII to VLBF.

Changes to Privacy Policy:

We reserve the right to change this Privacy Policy at any time. Please check this page periodically for changes. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications. Your continued use of the Site, the Application, or Services following the posting of changes to this Privacy Policy will mean you accept those changes. If we make any material changes to this Privacy Policy, we will post the updated Privacy Policy here and may notify you by email or by means of a notice on the Site or the Application.

Contacting VLBF:

Questions regarding this Privacy Policy, or regarding any other aspects of the Site or the Application, should be sent via e-mail to hello@vivalabudgetandfinance.com. 

This Privacy Policy was last updated on July 14, 2021.

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