Privacy Policy

Under this Privacy Policy, we described how Tips On Finance (TOF) collects, uses, and discloses certain personal information obtained through our website:

By visiting our website or using the features made available to you on the Site, you are agreeing to the terms of this Privacy Policy.

Please note that our website are directed at individuals residing in the United States of America and Asian countries.

What information we collect and maintain about you

Personal Information

We do not collect any personal information during your usage of our website. However, we collect your personal information when you provide it to us. For example, if you would like to subscribe to our newsletter, we ask you to provide your email address. In addition, if you contact us through email, Facebook or Twitter you may provide us with additional personal information such as your name or other identifying information.

We may also collect information when you provide it, your name, phone number, physical address, and date of birth. “Personal Information” is any information that can be used to identify you or that we can link to you.

When you choose to apply for a credit card or other financial product featured on the Site, you will be directed to a secure page on the financial institution’s website where you will provide the information required to be considered for the financial product or service. Tips On Finance (TOF) does not collect or receive the information you input on that financial institution’s or company’s site.

Other Information

We automatically collect certain information that does not directly identify you when you use, access or interact with our Site using our cookies.

Cookies are small files that are stored on your computer by your web browser. A cookie allows the site to recognize whether you have visited before and may store user preferences and other information. If you are concerned about having cookies on your computer, you can set your browser to refuse all cookies or to indicate when a cookie is being set, allowing you to decide whether to accept it.

You can also delete cookies from your computer. However, if you choose to block or delete cookies, certain features of the Site may not operate correctly.

How We Use Your Information

TIPS ON FINANCE uses the information that we collect for a variety of purposes. If we have personal information about you, we may use it to respond to your questions or requests concerning the Site or other services offered by us, to fulfill the terms of any agreement you have with us, to fulfill your requests, to send you information about our Site and other topics that are likely to be of interest to you, including surveys, newsletters, updates, or other communications, to deliver notifications and similar operational communications, to improve your user experience and the quality of our Site, to comply with legal and/or regulatory requirements and to manage our business.

We use the Other Information that we collect for such purposes as:

Counting and recognizing visitors to the Site and analyzing how visitors use the Site, improving the Site and enhancing users’ experiences with the Site, creating new products and services or improving our existing products and services, engaging in analytics or targeted advertising and
for any other business purpose permitted by law, including any purpose for which we use Personal Information.

How We Share Your Information with Third Parties

We do not share any of your personal information with third parties. However, the Site may enable you to share Personal Information with other users of the Site or with websites or online services operated by third parties. For example, the Site may permit comments to be submitted on articles and contain links to third-party websites that incorporate comment and social media features.

The Site may also contain Facebook “like” buttons and Twitter “follow” buttons and may contain similar features of other third parties. If you choose to use these features, you may disclose your Personal Information not just to the Site and third-party websites and services, but also to their users and the public more generally. Because the third-party websites and services are not operated by TOF, we are not responsible for the content or practices of those websites or services.

The collection, use, and disclosure of your Personal and Other Information on third-party websites and services will be subject to the privacy policies of the third party websites or services and not this Policy.

Third-party plugins

The Site may integrate certain third-party plug-ins (such as a Facebook “like” button). Even if you do not click on these plug-ins, they may collect information about you, such as your IP address and the pages that you view. They also may set and/or access a cookie. These plugins are governed by the privacy policy of the company providing them.

Facebook Custom Audiences and Similar Programs. We may partner with Facebook and other social media partners to deliver advertisements to our users via the Facebook Custom Audiences program or similar third-party programs. In order to identify and reach our users on Facebook or another third-party service, we may share information such as an email address with Facebook or another third-party service.

For more information about custom audience targeting and how to adjust your social media advertising preferences, please review the privacy policy of your social media provider.

Legal purposes

We also may use or share your Personal or Other information with third parties when we believe, in our sole discretion, that doing so is necessary:

To comply with applicable law or a court order, subpoena, or other legal process;
To investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of our terms and conditions, or situations involving threats to our property or the property or physical safety of any person or third party;
To establish, protect, or exercise our legal rights or defend against legal claims; or
to facilitate the financing, securitization, insuring, sale, assignment, bankruptcy, or other disposal of all or part of our business or assets.

Third-Party Analytics and Advertising

Analytics. We partner with certain third parties to collect the Other Information discussed above and to engage in analysis, auditing, research, and reporting. These third parties may use web logs or web beacons, and they may set and access cookies on your computer or other device.

In particular, the Site use Google Analytics to help collect and analyze certain information for the purposes discussed above. You may opt out of the use of cookies by Google Analytics here.


The Site also enable third-party tracking mechanisms to collect your Other information for use in online interest-based advertising. For example, third parties may use the fact that you visited our Site to target online ads to you. In addition, our third-party advertising networks might use information about your use of our Site to help target advertisements based on your online activity in general.

For information about interest-based advertising practices, including privacy and confidentiality, visit the Network Advertising Initiative website or the Digital Advertising Alliance website.

The use of online tracking mechanisms by third parties is subject to those third parties’ own privacy policies, and not this privacy policy. If you prefer to prevent third parties from setting and accessing cookies on your computer or other device, you may set your browser to block cookies. Additionally, you may remove yourself from the targeted advertising of companies within the Network Advertising Initiative by opting out here, or of companies participating in the Digital Advertising Alliance by opting out here. Please note that opting out of targeted advertising does not opt you out of seeing advertisements. The advertisements may, however, be less relevant to you. Our Site currently do not respond to “do not track” browser headers, however you can limit tracking by these third parties by taking the steps discussed above.

External links

The Site contain links to third-party websites. If you follow a link to any of these websites, please note that these websites, and any services that may be accessible through them, have their own privacy policies. We are not responsible for the privacy practices of other websites. We encourage our users to be aware when they leave the Site and to read the privacy policies applicable to such third-party websites. This Privacy Policy applies solely to information collected in connection with the Site.

Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we employ commercially reasonable physical, technical and administrative procedures to safeguard the personal information we collect online. However, we cannot ensure or warrant the security of any information you transmit to the Site or to us, and you transmit such information at your own risk.

International Users

The Personal and Other information that we collect through or in connection with the Site is transferred to and processed in the United States for the purposes described above. Tipsonfinance also may subcontract the processing of your data to, or otherwise share your data with, affiliates or third parties in the United States or countries other than your country of residence. The data-protection laws in these countries may be different from, and less stringent than, those in your country of residence. By using the Site or by providing any Personal or Other Information to us, you expressly consent to such transfer and processing.

Changes to This Policy

Tips On Finance (TOF) may make changes to the Site in the future and as a consequence will need to revise this Policy to reflect those changes. We will post all such changes on the Site, so you should review this page periodically. If we make a material change to the Policy, you will be provided with appropriate notice.