Disclosure and Privacy Policy

Disclosure Policy

Spend With Pennies (the “Site”) is a website written and edited by SWP Media Ltd. This Site accepts forms of cash advertising, sponsorship, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics, or posts made in this Site. All advertising is in the form of advertisements generated by a third party ad network. Those advertisements will be identified as paid advertisements.

Please note that Spend With Pennies has financial relationships with some of the merchants mentioned here. Spend With Pennies may be compensated if consumers choose to utilize the links located throughout the content on this Site and generate sales for the said merchant.

From time to time, the owner of this Site is compensated to provide opinions on products, services, websites, and various other topics. Even though the owner of this Site may receive compensation for certain posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this Site are purely the Site’s own. Any product claim, statistic, quote, or other representation about a product or service should be verified with the manufacturer, provider, or party in question.

Spend With Pennies accepts no responsibility for any content on any other sites, including links on the Site to other sites. This includes, but is not limited to, grocery delivery services.

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.

This Site does not contain any content which might present a conflict of interest.


We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Terms of Use

We make no warranties, either expressed or implied, regarding the use or operation of the Site or our services. We will have no liability to you on account of your use of the Site, your inability to use the Site, or misuse of the Site, including but not limited to lack of availability of the Site, suspension of the Site, or termination of the Site.

While we work to have the Site available at all times, we do not warrant that the Site or services will be available. There may be downtime on the Site for technical reasons, upgrades, or other reasons. We will work to resolve issues as quickly as we can. You agree that there will be no liability on our behalf for any downtime or lack of Site availability.

We make no warranty for any content on any other sites, including links on the Site to other sites.

We make no warranty or claims about the suitability of any recipes contained on the Site. Nothing contained on the Site should be construed as medical advice, or recommendations for your eating, health, or diet. You should consult with your doctor before using the Site. Nutrition information provided is an estimate only and will vary based on cooking methods and brands of ingredients used. You accept responsibility to verify all ingredients and nutrition information.

Limitation of Liability

All information, software, products, and services included in or available through the Site may include inaccuracies and/or typographical errors. Changes are added periodically to the information herein. We and/or our suppliers and/or licensors may make improvements and/or changes to the Site at any time. We and/or our suppliers and/or licensors make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on the Site for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services, and related graphics are provided “as is” without warranty or condition of any kind. We and/or our suppliers and/or licensors hereby disclaim all warranties and conditions with regard to this information, software, products, services, and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement. To the maximum extent permitted by applicable law, in no event shall we and/or our suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages, or any damages whatsoever including, without limitation, damages for loss of use, data, profits, losses, costs, liabilities, damages, awards, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or in any way connected with the use or performance of the Site, with the delay or inability to use the Site or related services, the provision of or failure to provide services, or for any information, software, products, services, and related graphics obtained through the Site, or otherwise arising out of the use of the Site, whether based on contract, tort, negligence, strict liability, or otherwise, even if we or any of our suppliers or licensors has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of the Site, or this Policy, your sole and exclusive remedy is to discontinue using the Site.

Artificial Intelligence

The Site does not consent to the content on this website being used or downloaded by any third parties for the purposes of developing, training or operating artificial intelligence or other machine learning systems (“Artificial Intelligence Purposes”), except as authorized by the Site in writing (including written electronic communication). Absent such consent, users of this website, including any third parties accessing the website through automated systems, are prohibited from using any of the content on the website for Artificial Intelligence Purposes. Users or automated systems that fail to respect these choices will be considered to have breached these Terms of Use.

Privacy Policy

Effective as of July 28, 2020

As the owner of this Site, Spend With Pennies (“we” or “us”) understand that your privacy is of critical importance.  This Privacy Policy describes what information we collect from you via the Site and how we use and disclose such information.

Our Use of Cookies

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.  Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

We use cookies for the following purposes:

(a) authentication – we use cookies to identify you when you visit our Site and as you navigate our Site;

(b) status – we use cookies to help us to determine if you are logged into our website;

(c) personalization – we use cookies to store information about your preferences and to personalize the website for you;

(d) security – we use cookies as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally;

(e) advertising – we use cookies to help us to display advertisements that will be relevant to you; and

(f) analysis – we use cookies to help us to analyze the use and performance of our website and services;

We use Google Analytics to analyze the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google’s privacy policy is available at: https://www.google.com/policies/privacy/

Most browsers allow you to refuse to accept cookies and to delete cookies.

Please note that blocking cookies may have a negative impact on the functions of many websites, including our Site. Some features of the Site may cease to be available to you.

Some of the data collected may be anonymous data, which is combined in aggregate and does not identify you as an individual.

Interest-Based Advertising

Advertising Privacy Statement

This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. To learn more about CafeMedia’s data usage, click here: www.cafemedia.com/publisher-advertising-privacy-policy

CafeMedia uses standard and widely-available tools for the placement and serving of ads, including those provided by Google, Inc. and its affiliates. We publish interest-based advertisements on the Site; that is, ads that are tailored to reflect your interests. To help understand your interests, CafeMedia, Google and our other advertising partners will track your behavior on our website and on other websites across the Internet using cookies.

By using this Site, you consent to the use of such cookies and the sharing of data captured by such cookies with CafeMedia, Google, and our other third party partners. You can view, delete or add interest categories associated with your browser by visiting: https://adssettings.google.com. You can also opt out of the network cookie using those settings or using the Network Advertising Initiative’s multi-cookie opt-out mechanism at: http://optout.networkadvertising.org.  However, these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser your opt-out will not be maintained.

For European Economic Area Residents

If you reside in a country in the European Economic Area (EEA), then under the GDPR and applicable data protection laws you have the rights, among other things, to access your personal data, have us erase it, and/or restrict its further processing.  If you wish to access or delete your personal data (if any) maintained by us or CafeMedia related to advertising on the Site, you can contact us at [email protected] and CafeMedia at [email protected]. If you wish to see a list of the advertising partners we work with or change which of those partners track your behavior using cookies, click the ad preferences icon. (Available in the EU.)

For California Residents

California law gives residents the right to opt out of the “sale” of their personal information to third parties, including for advertising purposes. Under California law, the sharing of your information with a service provider for advertising purposes could be considered a “sale.” To opt out of the sharing of your information for advertising information, click the opt out link provided in the footer of this page.  You also have the right to request from us the categories of personal information that we have shared and the categories of third parties to whom the information was provided. To make such a request, please contact us at [email protected]. To be clear we do not share your name, contact information, or any other sensitive information with third parties, and the categories of third parties that we share information with for advertising purposes are supply side platforms, programmatic advertising exchanges, and demand side platforms.

If you reside in California, then under the California Consumer Privacy Act of 2019 (“CCPA”) and applicable data protection laws, you have the rights with respect to your personal information as defined in the CCPA. For further information on CCPA, click here.

As described in this Disclosure, this Site collects personal information when you use the Site. This may include sharing personal information to deliver ads tailed to your interests.  You have the right to opt out of the sale of your personal information by clicking on the Do Not Sell My Personal Information link (or icon) to opt out. Even if you opt out, this does not mean that you will not see advertisements on the Site, including interest based ads. After 12 months, we may ask you to reauthorize personal information sales. You may also change them at any time by clicking the link.

California residents may, once per 12 months, request information about personal information that may have been disclosed (if any) and the names and contact information for third parties that we have shared personal information with within the preceding 12 months. We may require additional information to verify the validity your request and your identity.

You may request that we delete personal information, and we will do so subject to exceptions that may include, but are not limited to, transactional data, security or legal related information, or as allowed or required by law, data that has been aggregated and all personal information has been removed, to confirm adherence with legal requirements, to confirm adherence to requirements.

We do not sell the personal information of consumers we know are less than 16 years of age.

We will not discriminate against you for exercising any of your CCPA rights.

You may exercise any of your rights in relation to your personal data by written notice to us at [email protected], or write to us at Spend With Pennies, 14707 119 Ave, Edmonton, AB T5L 2N9.

Email Addresses

We may collect your email address, but only if you voluntarily provide it to us. This may occur, for example, if you sign up to receive an email newsletter, or enter a promotion.  We will use your email address for the purposes for which you provided it to us, and also from time to time to send you emails regarding the Site or other products or services that we believe may be of interest to you.  You may opt out of such email communications at any time by clicking the “unsubscribe” button in the email.

We will not share your email address with any third parties.

If you are a resident of a country in the European Economic Area (EEA), please refer to the section below entitled “Additional Rights of EEA Residents.”

Registration or Account Data

We may collect other information from you when you register with our Site in order to use various features.  Such information could include your name, birthday, postal code, screen name, and password (if applicable). As you use the Site, we could collect other data that you provide voluntarily (such as comments that you post, messages through our contact page or emails that you send us).

We may also collect information about you through other methods, including research surveys, social media platforms, verification services, data services, as well as public sources. We may combine this data with your registration data in order to maintain a more thorough profile.

We may use your personally-identifying information for a variety of our internal business purposes, such as creating a better user experience for the Site, diagnosing and troubleshooting malfunctions on the Site, better understanding how the Site is used, and making personalized recommendations to you.

You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email, and on the Site, satisfy any legal requirement that such communications be in writing.

If you are a resident of a country in the European Economic Area (EEA), please refer to the section below entitled “Additional Rights of EEA Residents.”

Transactional Data

We may process information relating to transactions, including purchases of goods and services, that you enter into with us and/or through our Site (“Transactional Data“). The Transactional Data may include your contact details, your card details and the transaction details. The transaction data may be processed for the purpose of supplying the purchased goods and services and keeping proper records of those transactions.  Payment processing on our Site is handled by our payment services providers, PayPal, Inc. We will share transaction data with our payment services providers only to the extent necessary for the purposes of processing your payments, refunding such payments and dealing with complaints and queries relating to such payments and refunds. You can find information about the payment services providers’ privacy policies and practices at PayPal.com. Shopping on our Site is handled by Shopify. We will share data with our service providers only to the extent necessary to process your transaction. You can find information about Shopify’s privacy policies and practices at Shopify.


MailChimp collects and stores your name and email address for purposes of delivering communications upon your request and agreement.  MailChimp is used for delivery of emails and newsletters, including the use of MailChimp’s sub-processors who perform critical services such as helping prevent abuse and providing support. You can find information about Mail Chimp’s privacy policies and practices at MailChimp.

VWO Engage is used to send you notifications through your web browser, upon your agreement.  You can find information about VWO Engage’s privacy policies and practices at VWO Engage.

Facebook and its affiliates and companies process data on an advertiser’s behalf in order to measure the performance and reach of advertising campaigns and report back insights about the people who saw and interacted with the ads. Please see Facebook‘s privacy policy for more information.

We may use remarketing and retargeting ads to market the Site with third party companies, for example, Facebook or Google, based on your past visits to the Site. This may be done with pixels, cookies or other similar data collection.

We may use Survey Monkey for you to participate in polls and surveys. The information collected may include your contact information and answers to polls and surveys. Please see Survey Monkey’s privacy policy for more information.

We may use Slickstream for searching on the Site and saving your favorite pages. This may include your username, account name, password, and related Site data. Please see HivePoint, Inc.’s privacy policy for more information.

We may use Hotjar to help us to analyze the use and performance of our Site and services. Hotjar uses cookies to collect data. See Hotjar’s privacy policy for more information.

Amazon Services LLC Associates Program is an affiliate advertising program whereby the Site uses cookies to track visits to allow the Site to earn commissions. Amazon will track referrals to the site through the use of cookies. Please see Amazon‘s privacy policy for more information.

We may use Gravatar, which uses an anonymized hash, to see your profile picture for display and Akismet for spam protection. Please see Automattic’s privacy policy for more information about both services.

This Site is intended for users over the age of 18. Data will remain unless we remove it or the article is removed from the site. Contributors’ names, bios, profile pictures, websites, and other personal information will be collected, stored, and displayed. We may disclose personal information as required by law.

Additional Rights of EEA (European Economic Area) Residents

If you are a resident of a country in the EEA, you have the rights, among others, to:

(i)  access your personal data

(ii)  ensure the accuracy of your personal data

(iii) the right to have us delete your personal data

(iv)  the right to restrict further processing of your personal data, and

(v)  the right to complain to a supervisory authority in your country of residence in the event that data is misused

If you believe that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your residence, your place of work or the place of the alleged infringement.

You may exercise any of your rights in relation to your personal data by written notice to us addressed to Spend With Pennies, 14707 119 Ave, Edmonton, AB T5L 2N9, [email protected]

Sale of Business or Assets

In the event that the Site or substantially all of its assets is sold or disposed of as a going concern, whether by merger, sale of assets or otherwise, or in the event of an insolvency, bankruptcy or receivership, the information we have collected about you may be one of the assets sold or merged in connection with that transaction.

Changes to the Privacy Policy

We may change this Privacy Policy from time to time. The most recent version of the Privacy Policy will always be posted on the Site, with the “Effective Date” posted at the top of the Policy. We may revise and update this Privacy Policy if our practices change, as technology changes, or as we add new services or change existing ones. If we make any material changes to our Privacy Policy or how we handle your personal information, or we are going to use any personal information in a manner that is materially different from that stated in our Privacy Policy at the time we collected such information, we will give you a reasonable opportunity to consent to the change. If you do not consent, your personal information will be used as agreed to under the terms of the privacy policy in effect at the time we obtained that information. By using our Site or services after the Effective Date, you are deemed to consent to our then-current privacy policy. We will use information previously obtained in accordance with the Privacy Policy in effect when the information was obtained from you.

Contacting Us

If you have any questions about this Policy, or the practices of this Site, please contact us at [email protected], or write to us at Spend With Pennies, 14707 119 Ave, Edmonton, AB T5L 2N9.