Disclosure and Privacy Policy


Some merchants mentioned on this blog may have financial relationships with Smart Pennies blog. If consumers choose to utilize links located in the blog content this might compensate Smart Pennies and generate sales for merchants mentioned. You are not obligated to click on any link or buy products that are advertised on the blog.

As per DPA act Guidelines this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. References to third party products, rates or websites are subject to change without notice. If consumers choose to participate in third party offers please ensure appropriate research is conducted before participation.

Participation of Smart Pennies in the Amazon Services LLC associate program which is an affiliate advertising program is designed such that sites can earn advertising fees for adverts and links to amazon.com.

Disclosure Policy

Information on Smart Pennies is intended for informational and entertainment purposes only and is not meant to be taken as financial advice. Views expressed on the website are personal opinions and should not be construed as financial advice for your given situation. All attempts are made to provide accurate information it may not be appropriate for your specific circumstances and could be outdated over time. Please contact a financial expert before taking any financial decisions to ensure you have undertaken due diligence.


Any claims made on the website nor its members make representation as to the validity, accuracy or completeness of claims or assume liability with regards to financial results based on information provided on the website. Any advertisers, commenters, linked sites are solely responsible for their views and content which may not necessarily represent the views of Smart pennies blog.

Privacy Policy

Smart pennies take your privacy seriously and this policy describes what personal information we collect and how its used.

  • Routine information collection – information is tracked for administration and maintenance purposes and web servers track basic information about their visitors. Includes but not limited to IP addresses, browser details timestamps and referring pages.
  • Cookies and web beacons- if necessary Smart pennies uses cookies to store information about visitors preferences and history in order to serve the visitor better and supply them with custom content. Advertising partners and other third parties may also use cookies, scripts and or web beacons to track visitors to this site in order to display advertisements and other useful information and is done directly by the third parties through their own servers and subjected to their own privacy policies.
  • Controlling your privacy- you can change your browser settings to disable cookies if you are concerned about your privacy concerns. Disabling cookies for all sites can interfere with your site usage so it is recommended to disable just sites you are concerned about. Consult browser support on how to block cookies and other tracking mechanisms.
  • Google advertising- advertisements from google inc. and affiliated companies may be controlled using cookies to allow google to display ads based on your visits to this site and other sites that use google advertising services. Please see google to learn how to opt out of google cookies usage and tracking done by google will also be subject to their privacy policy.
  • Unsubscribe opt out- all visitors to this website can discontinue receiving communication from us by way of emails or newsletters. To discontinue/ unsubscribe please email using the website contact email address. Opting/ unsubscribing of third party websites must be done through third party websites.
  • Links to other websites- ¬†we do not claim nor accept responsibility for any privacy policies, practices, procedures on other websites that are linked to this site. Ensure when you leave this site via any links that you read third party privacy statements of each and every website that collects personally identifiable information. The privacy policy aforementioned only and solely applies to information collected by our website.
  • Security- Physical, procedural and technical security precautions are undertaken to prevent any loss, misuse, unauthorised access, disclosure or modification of the users personal information under our control.
  • Acceptance of terms- using this website means you accept the terms and conditions stipulated in the aforementioned privacy policy agreement. If you do not agree with our terms and conditions then refrain from using our site. If we update or change our terms and conditions and you continue to use our site you are still in agreement to our terms and conditions updates and changes.


How to contact us

If you have any questions or concerns regarding this privacy policy agreement please contact us via the following email address.