Disclaimer + Privacy

DISCLAIMER

The information provided by The Happy Saver, including content on TheHappySaver.com, email correspondence, and any ideas, opinions, views, commentary or suggestions, is for general informational and entertainment purposes only. It is not financial advice and should not be treated as advice specific to your personal circumstances.

Ruth is not a financial adviser and has no financial qualifications. Before making financial or investment decisions, consider seeking advice from a suitably qualified financial professional.

PRIVACY POLICY

The Happy Saver respects your privacy. We may collect personal information that you choose to provide, such as your name and email address when you subscribe to our emails, contact us, or use forms on this website.

We also use third-party services to operate and understand the use of our website and emails. These services may collect information such as website usage, browser and device information, and other standard analytics data.

We do not sell your personal information. Information may be shared with service providers that help us operate our website, email communications and analytics, or where disclosure is required by law.

You have the right to ask for access to, or correction of, any personal information we hold about you. Please contact us if you have any questions about your personal information.

ADVERTISING & AFFILIATE INFO

The Happy Saver may include paid advertisements, sponsorships and affiliate or referral links. The Happy Saver currently has an advertising arrangement with Smart covering this website and the email newsletter. We do not receive a commission or referral payment if someone chooses to sign up with or invest through Smart. This advertising arrangement is separate from editorial content, and Smart has no say in what Ruth chooses to write or talk about and does not have advance sight of editorial content. If you use an affiliate or referral link elsewhere on the website, The Happy Saver may receive a commission, credit or other benefit, at no extra cost to you.