Who we are

Our website address is: http://www.personalfinancechoices.com.

What personal data we collect and why we collect it

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 user agent string to help spam detection.

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: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, 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 tracking your interaction with the embedded content if you have an account and are logged in to that website.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. 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.

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.

Where we send your data

Visitor comments may be checked through an automated spam detection service.


You are welcome to browse this website, however we must advise that by the use of any information, content or other material contained on this site you are agreeing to to comply with, and be bound by, these terms of use.

The content on this site is expressly not intended for use by minors, and all readers should be at least 18 years of age.  Any contact made using the contact facility provided by this website will only be accepted on the basis that such contact is not made by a minor.

The information, content and any other material provided on this website is provided for your general information only, and is subject to change at the sole discretion of the website owner.

The owner of this website makes no representations or warranties regarding the accuracy, completeness or suitability of the information, content or products offered on this site, or the products or services that may be offered by unrelated advertisers, to any party whatsoever.

Your use of information or material provided on this website is entirely at your own risk.  It is your own responsibility to ensure that any information, products or services available through this website is/are suitable or applicable to your specific requirements and you should make your own enquiries.

The website contains content and material which is owned by, or licensed to us.  This content and material includes, but is not limited to, the intellectual property, content, design, appearance and graphics on the site.  Reproduction of any such content or material is expressly prohibited except where and unless the website owner has consented to such reproduction in writing.

Unauthorized use of this website, its content or other material may give rise to a claim for damages and/or be a criminal offense.

All trade marks, logos or other intellectual property reproduced on this website, which is not the property of, or licensed to, the website owner are acknowledged on this website.

Any links to other websites, from this website, are only provided for your convenience or to provide further information.  The provision of links to other websites should not be taken as an endorsement of those websites or their content.  All content of linked websites is the responsibility of the respective owners of those websites.

Your use of this website, and any dispute arising out of such use, is subject to the laws of the United States of America.