Disclosures, Terms of Use, and Privacy Policy

Money Lab™ is owned by Ace Media, LLC (“Ace Media”, “we” or “our”).

Our business is based around our readers’ trust. We want to be transparent in what we do and how we earn money as a company.

We earn money on this site through:

  • Sales of our own products
  • Affiliate commissions
  • Advertising partnerships

We participate in affiliate programs, including (but not limited to) Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn commissions by linking to Amazon.com and affiliated sites. All of the products for which we receive affiliate commissions are ones that we believe in, and in many cases, have used ourselves.

In the case of advertising partnerships, we only agree to a partnership if we believe in the product and the company itself.

We will display disclaimers on all sponsored content. We may also include, in certain areas, more explanation defining sponsored content to readers. In addition, we will ensure the treatment and design of advertising and sponsored content are clearly separate from our editorial content.

We may reject or remove any sponsored content at any time that contains false, deceptive, potentially misleading, or illegal content; or is inconsistent with or may tend to bring disparagement, harm to reputation, or other damage to the Ace Media brand and its websites.

Terms

By accessing moneylab.co this (the “Site”), you are agreeing to be bound by these Terms of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this Site.

Content Disclaimer

NO RENDERING OF ADVICE. Everything on this Site is provided for informational purposes. Our content is based on research from books, websites, and our own experience. We make reasonable efforts to make sure the information presented is accurate and up to date, but do not warrant that any of that information is accurate, complete, reliable, error free, or current. We assume no responsibility for any errors or omissions in any content presented on this Site or any other platform we upload content to, or any links to any other web resources in any of our content.

Everything you try for yourself should be contingent upon your own research and good judgment. If you’re thinking about making a big change due to content posted here, consider asking a professional’s advice first.

The materials on our Site are provided “as is.” We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, we do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on our Site or otherwise relating to such materials or on any sites linked to this Site and others we own.

Limitations

In no event shall Ace Media or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on the Site, even if Ace Media or an Ace Media authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Use License

  1. Permission is granted to temporarily download one copy of the materials (information or software) on the Site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:
    • modify or copy the materials;
    • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
    • attempt to decompile or reverse engineer any software contained on the Site;
    • remove any copyright or other proprietary notations from the materials; or
    • transfer the materials to another person or “mirror” the materials on any other server.
  2. This license shall automatically terminate if you violate any of these restrictions and may also be terminated by Ace Media at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Intellectual Property

Product names, logos, brands, and other trademarks featured or referred to within Ace Media websites and products are the property of their respective trademark holders. These trademark holders are not affiliated with Ace Media, our products, or our websites.

The materials contained in this Site are protected by applicable copyright and trademark law.

Revisions and Errata

The materials appearing on Ace Media websites could include technical, typographical, or photographic errors. Ace Media does not warrant that any of the materials on its websites are accurate, complete, or current. Ace Media may make changes to the materials contained on its website at any time without notice. Ace Media does not, however, make any commitment to update the materials.

Links

Ace Media has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement of the site by Ace Media. Use of any such linked website is at the user’s own risk.

Modifications

Ace Media may revise these terms for the Site at any time without notice. By using this Site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

Any claim relating to Ace Media, LLC’s websites shall be governed by the laws of the State of Colorado without regard to any conflict of law provisions.

Privacy Policy

This Privacy Policy describes how we collect, use, and disclose information from users of our Site. This Privacy Policy does not apply to websites, applications, products, or services that display or link to different privacy statements; in the event of a conflict or inconsistency between this Privacy Policy and a privacy policy for such website, application, product, or service, the latter controls.

1. User Consent

By submitting information through our Site, you agree to the terms of this Privacy Policy and you expressly consent to the collection, use, and disclosure of your information in accordance with this Privacy Policy, as amended from time to time.

Types of Data We Collect

  • We collect and store the information you provide to us through your use of the Site, including, for example:
    • We may collect information from you, such as your first name, last name, and email address when you sign up to receive our emails and downloadable files.
    • We may collect information from you, such as your first and last name, email and mailing addresses, password, and other profile information when you create an account to log in to our platforms (an “Account”). We may also retain information on your behalf, such as files that you store using your Account.
    • We may collect your email address if you choose to provide us with it in an application or in connection with use of one of our products.
    • We may collect information from you, such as your first and last name, email, mailing address, and reservation information, when you submit a reservation for a product.
    • When you order our product(s), we (and/or our third party payment processors) will collect all information necessary to complete the transaction, including your name, credit card information, billing information, and shipping information.
    • If you provide us feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
    • When you participate in one of our surveys, we may collect additional profile information.
    • When you make postings on the message boards of our Site, the information contained in your posting will be stored on our servers and other users will be able to see it.
  • Information Collected Automatically via Technology
    • To make our Site more useful to you, we may automatically collect information from you as you browse our Site, including your browser type, operating system, Internet Protocol (IP) address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), domain name, referring URL, and/or a date/time stamp for your visit.
    • We also use cookies, web beacons, and URL information to gather information regarding the date and time of your visit and the information for which you searched and which you viewed. “Cookies” are small pieces of information that a website stores on your computer’s hard drive while you are viewing a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Site. Persistent cookies can be removed by following Internet browser help file directions. You may make choices about cookies as described below. Web beacons are electronic images that may be used on our Sites and in our emails. We use web beacons to deliver cookies, count visits, understand usage, and to tell if an email has been opened and acted upon. We also use cookies and related technologies such as web beacons to better understand your needs, remember your preferences, and to provide targeted advertising.
    • You may opt in to tracking using cookies via the banner presented on the Site on your first visit. Declining cookies will not affect the functionality of the Site for you.
  • Collected Information Retention Period
    • Personal information will be processed and stored for as long as required by the purpose for which it has been collected.
    • Personal information collected for the purposes of Ace Media’s legitimate interests as outlined in this policy shall be retained as long as needed to fulfill such purposes.
    • We may be allowed to retain your personal information for a longer period whenever you have given consent to such processing, as long as such consent is not withdrawn. Furthermore, we may be obliged to retain your personal information for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority.
    • Once the retention period expires, your personal information will be deleted. The right to withdraw consent to data collection cannot be enforced after expiration of the retention period.
  • Third Party Data Collection
    • Third parties that provide us with analytics or other services for the Site may also automatically collect some of the information described above, including, for example, IP address, access times, browser type and language, pages and products viewed, device type, device identifiers, and Wi-Fi information. Please consult individual applications’ or products’ privacy policies for more information on data collection, use, and sharing.
    • Subject to subsection (b) above, other third parties, including advertisers, ad measurement services, and ad networks, may also automatically collect information about you through the Site, including information about your online activities over time and across different websites, devices, online channels, and applications when you use our services. These third parties may use web beacons or cookies on our Site.
    • Some third parties, such as Google, may also collect information for online advertising purposes and to provide us and others statistics about users of the Site.
  • Third Party Services in Use

If you wish to not have this information used for the purpose of serving you targeted ads on third party websites, you may opt-out as indicated below. Please note this does not necessarily opt you out of being delivered advertising. You may continue to receive generic ads. You may opt out of the DoubleClick cookie by visiting the Google advertising opt-out page or you may opt out of Google Analytics by visiting the Google Analytics opt-out page. Google has additional information available about their Remarketing Privacy Guidelines and Restrictions. You may view a list of other third party service providers who collect information, and/or opt-out of such collection of information about you, by visiting http://www.networkadvertising.org/choices/ or http://www.aboutads.info/choices/.

This Privacy Policy does not apply to the activities, including cookies and web beacons, of these third parties when they are collecting or using data for their own purposes or on behalf of others. Please consult the respective privacy policies and statements of such third parties for more information, including how Google uses data when you use its partners’ sites. If you would like more information about certain advertising practices and to know your choices about not having this information used by these companies, click here: http://www.networkadvertising.org/consumer/opt_out.asp.

2. Use of Your Data

We may use your information to:

  • operate and improve our Site, internal operations, and systems;
  • provide services you request and services that are relevant to you;
  • improve the quality of experience when you interact with our Site;
  • understand you and your preferences to enhance your experience and enjoyment using our Site;
  • derive information about the demographics that use our Site;
  • respond to your comments and questions and to provide customer service;
  • protect, investigate, and deter against fraudulent, unauthorized, or illegal activity;
  • respond to your inquiries related to employment opportunities or other requests;
  • send newsletters, surveys, offers, and other promotional materials related to our Site and for other marketing purposes if you have provided an email to us for this purpose.

Creation of De-Identified Data.
We may also create de-identified or aggregate data records from personal information by excluding or changing information that makes the information personally identifiable to you. We use this data for a variety of purposes, such as to analyze request and usage patterns so that we may enhance the content of our Site and improve Site functionality.

3. Disclosure of Your Personal Information

We share your information as described in this Privacy Policy.

  1. Consent. We may share your personal information with your consent or, if required by law, with appropriate notice to and consent of your parent or guardian, if applicable.
  2. Third-party Service Providers. We may share your personal information with third-party service providers who need access to your information to do work for us, such as to host our Site on third-party servers; to conduct quality assurance testing and data analytics on our Site; and to provide technical support and crash analytics for the same.
  3. Corporate Restructuring. We may share your personal information in connection with or during negotiation of any merger, financing, acquisition, bankruptcy, dissolution, transaction, or proceeding involving the sale, transfer, divestiture or disclosure of all or a portion of our assets or business to another company. In such an event, this Privacy Policy will continue to apply to your information, and any such third party would only be able to handle your personal information as per this Privacy Policy (unless you give consent to a new policy).
  4. Other Disclosures. Ace Media may disclose personal information (i) in connection with any legal investigation; (ii) to comply with relevant laws or to respond to legal process served on Ace Media; (iii) to protect or defend the rights or property of Ace Media, our agents, or users of the Site; (iv) to investigate or assist in preventing any violation or potential violation of the law, this Privacy Policy, or our Terms of Use; and/or (v) in an emergency to protect the personal safety of any person.

We may also share aggregated, de-identified, or statistical information with third parties in compliance with applicable local laws.

4. Your Choices Regarding Your Information

You have several choices regarding the collection, use, and sharing of your information on our Site.

  1. Marketing emails. If you provide an email through your use of the Site, we may periodically send you newsletters and emails. When you receive newsletters or promotional communications from us, you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the email you receive or by contacting us directly (please see contact information below).
  2. Non-marketing emails. Despite your indicated email preferences, we may send you non-marketing, service-related communication, including notices of any updates to our Terms of Use or Privacy Policy.
  3. Tracking. We may not recognize or respond to every type of “do not track” signal or other mechanisms that provide consumers the ability to exercise choice regarding the collection of information about an individual consumer’s online activities over time and across third-party websites or online services, but we give you certain choices about how we collect personally identifiable information as described in this Privacy Policy.
  4. Cookies. You have certain choices about the use of the cookie technologies described above. Many web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies.
  5. Accessing or Deleting Your Personal Information. You may request access to or deletion of your child’s or your personal information, if applicable, by contacting us through the contact information below.

5. Security of Your information

Ace Media is committed to taking reasonable steps to protect your personal information in an effort to prevent loss, misuse, and unauthorized access, disclosure, alteration, and destruction.

6. Your Rights as a User

  1. You may exercise certain rights regarding the storage and use of your personal information.
  2. You may withdraw your consent at any time. You have the right to withdraw consent where you have previously given you consent to the processing of your personal information.
  3. You may have your personal information deleted or otherwise removed. You have the right, under certain circumstances, to obtain from Ace Media the erasure of your data.
  4. You may lodge a complaint. You have the right to bring a claim before your competent supervisory authority, subject to applicable law.

Any requests to exercise your rights can be directed to Ace Media through the contact details provided below. These requests can be exercised free of charge and will be addressed by us as early as possible and always within one month.

7. Contact Information

Ace Media welcomes your comments or questions regarding this Privacy Policy. Please contact us at:
Ace Media, LLC
Attn: Legal, Privacy Policy
2525 Arapahoe Ave. Suite E4 – #512
Boulder, CO 80302
matt@moneylab.co

8. Changes to This Privacy Policy

This Privacy Policy is subject to occasional revision. If we make any changes to this Privacy Policy, we will change the “Last Updated” date below.

9. Your Consent

By accessing this website, you are agreeing to be bound by the Site’s Privacy Policy. If you do not agree with any of these terms, you are prohibited from using or accessing this Site.
Questions? Comments? Concerns? We’re here to help. Contact matt@moneylab.co and we’ll set your mind at ease.

Last Updated: January 4, 2021