Privacy Policy

At Humbled Budget, we take online privacy seriously and we respect the concerns of our community of users. In this policy (the “Privacy Policy”) we describe our privacy practices with regard to information we collect through affiliated sites, (collectively, the “Site”), to help you make informed decisions about how you share information when you visit or use the site, as well as your rights in determining what we do with the information that we collect or hold about you.

Our goal is to make highly complex financial decisions and information understandable so that our readers can confidently manage every aspect of their financial lives. Your financial life is full of unique challenges and decisions. You have questioned whether you are

a novice or expert investor,
planning your retirement,
purchasing a home,
taking an exam for business school, or
Managing a small business.

It’s important to share how we go about writing all of the articles that you depend on.

PRINCIPLES

Financial matters can be challenging and intimidating. Regardless of your level of experience, we give you the knowledge you can rely on.

We present all the facts and provide context for everything, from recommendations for financial products to the financial effects of governmental decisions. Our information has undergone extensive research and is not presented to support any particular economic or political stance.
Our information has undergone extensive research and is not presented to support any particular economic or political stance.

For us, the most important thing is to provide accurate financial information that is also clearly presented and regularly updated. We look for and collaborate with the most knowledgeable authorities on every subject we address. Any errors, inaccuracies, or misrepresentations discovered by our readers are promptly looked into and corrected. If you have any corrections, kindly contact us.

We strive to ensure that our content is inclusive and treats people of all ages, nationalities, religions, gender identities, sexual orientations, ethnicities, relationship statuses, physical and mental abilities, and different family structures with respect and dignity.
The information provided in the Ethics Humbled budget is for educational purposes only and is not meant to be a substitute for legal, accounting, or financial advice from a licensed or certified professional.

All of the articles on Humbled Budget are written and managed by our team of editors and network of knowledgeable contributors. We don’t offer suggestions regarding purchasing, selling, or holding securities or investments. However, we provide pertinent analysis, context, insights, and educational information to assist you in making wiser, more informed decisions. Wherever possible, we give examples to help put complex subjects and ideas into context.
Every time an article on our site contains information known to be outdated or likely to be so, our editorial team flags it. These articles are checked over, updated, or, if necessary, wholly rewritten, double-checked, and edited. Our network of knowledgeable professionals upholds our procedures and policies and supports our updating initiatives.

QUALITY STANDARDS

Every article you read has a team of authors who constantly work to ensure it adheres to our editorial tenets and is responsible, accurate, understandable, and helpful.

Our expert contributors each possess in-depth knowledge of the subjects we assign them, and our editorial team independently approves all story ideas. Our expert editors, fact-checkers, and producers review content to ensure it adheres to our values of being empowering, inclusive, objective, and accurate.

Every employee must disclose any potential conflicts of interest.

CORRECTIONS

The editors of Humbled Budget are dedicated to alerting readers when an error has occurred and fixing it. This transparency only applies if a mistake was made at the original publication and covers minor and significant errors, including news. On-page corrections will be noted. Our journalism may be updated without an editor’s note when the facts are accurate, but the language could be more explicit and more detailed. Please email info@humbledbudget.com with any potential errors.

OUR WRITERS

Humble budget experts are carefully chosen, screened, and hired. Some are seasoned financial writers, others are authorities in specific financial fields, and many are both. They are selected for their expertise and ability to convey complex ideas in comprehensible, usable language.

The name of the author or reviewer of each article is listed at the top of the page, to the left of the date, and is connected to a biography that you can click to read more about their qualifications, education, work history, and online presence.

All authors are expected to adhere to the aforementioned editorial standards.

UNDERSTANDING HOW INFORMATION IS COLLECTED ON HUMBLED BUDGET

INFORMATION YOU MAY CHOOSE TO PROVIDE TO US

We may collect information, including personal data, directly from you if you choose to provide that information. For example, you may provide us with your name and contact information (such as an email address), date of birth, or other details of that nature, when you sign up for our newsletters or participate in promotions or surveys on the Site.

You also may choose to provide personally identifiable information about yourself when you participate in forums or discussions on the Site. Please be aware that information you post in these forums may be viewed or captured by anyone who visits the Site, therefore you should avoid posting sensitive personal data that you would not want to be available to the public.

INFORMATION THAT IS AUTOMATICALLY COLLECTED WHEN YOU VISIT HUMBLED BUDGET

When you access the Site, we and our third-party partners and vendors may automatically collect certain information about your visit using tools such as cookies, web beacons, and other similar technologies. The information collected automatically when you visit the Site may include your IP address, characteristics of your operating system, information about your browser and system settings, data about the computer or mobile device you use to access the Site, unique device identifiers, clickstream data (which shows the page-by-page path you take as you browse the Site). We or our third-party partners may combine information that each of us collects automatically with other information about you, including information you choose to provide.

Cookies are small files that websites and other online services use to store information about users on the users’ own computers. This Site may use cookies (such as HTTP and HTML5 cookies, as well as other types of local storage. For more information about cookies, you may visit http://www.allaboutcookies.org. See the section below regarding Your choices to learn more about how you may limit or disable cookies on your computer. If you choose to disable cookies, that could affect certain features of the Site that use cookies to enhance their functionality.

To manage our automatic data collection, we may place tags (often referred to as “web beacons”) on pages on the Site or in emails we send to you. Web beacons are small files that link web pages to particular web servers and their cookies, and they may be used for a variety of purposes, such as counting the number of visitors to the Site, analyzing how users navigate around the Site, assessing how many emails that we send are actually opened and which articles or links are viewed by visitors.

We also use third-party web analytics services, such as Google Analytics, on the Site, to provide us with statistics and other information about visitors to the Site.

“Do Not Track” Signals. Your browser settings may allow you to automatically transmit a “do not track” signal to websites and online services you visit. At this time there is no consensus among industry participants as to the meaning of “do not track” in this context. Like many other websites, HumbledBudget.com is not configured to respond to “do not track” signals from browsers. Click here to learn more about “do not track” signals.

Finally, companies that provide certain third-party apps, tools, widgets, and plug-ins that may appear on the Site (for example, Facebook “Like” buttons), also may use automated means to collect information regarding your interactions with these features. This information collection is subject to the privacy policies or notices of those providers.

Below are some links to some commonly used web browsers. Information about cookies is usually found in the “Help” section of the web browser.

For other browsers, please consult the documentation that your browser manufacturer provides.

Mobile Devices – You can-opt out of certain types of interest-based advertising (or “cross-app” advertising), by accessing the “settings” on your device:

If you’re using an Apple deviceyou can configure your device to limit ad tracking to by clicking on “settings” > “privacy” > “advertising” and toggling “limit ad tracking” to ‘on.’
If you’re using an Android deviceyou can opt out of most app-based tracking for advertising by opening the “Google Settings” app on your device, selecting “Ads”, and then selecting the option to opt-out of interest-based ads.

Please note that the above information may change when these manufacturers updates their systems. Also note, that your device may use another platform, not described above. In that case, please consult the manufacturer documentation for further instructions.

Further information regarding our use of cookies and other tracking technologies is described in our Cookies Disclosure here.

Cookie Disclosure

Provider	Name of cookie	Purpose	Type	Duration
Google Analytics	_ga	Used to distinguish users.	Persistent	2 Years
Google Analytics	_gid	Used to distinguish users.	Persistent	24 Hours
Google Analytics	gat	Used to throttle request rate.	Persistent	1 Minute
Dotdash	TMog	Dotdash client id – Used to identify unique browsers	Persistent	68 Years
Dotdash	Mint	Dotdash session id – Used to identify all activity within a session	Persistent	30 Minutes
Dotdash	pc	pagecount	Persistent	30 Minutes
Dotdash	ds_ab	AB Testing segmentation information	Session
Google (GTM/GA)	dcgtm_	Used to throttle request rate.	Persistent	1 Minute
SailThru	sailthru_pageviews	Page view count by user on site	Persistent	30 Minutes
SailThru	sailthru_content	Tracks recent pageviews for visitor	Persistent	1 Hour
SailThru	sailthru_visitor	Client Id	Persistent	1 Hour
Google DFP	__gads	Ad targeting	Persistent	2 Years
Google	gsScrollPos-	Scroll position tracking	Session
Bounce Exchange	bounceClientVisitv	Client tracking information	Persistent	30 Minutes
Google	AMP_TOKEN	Contains a token that can be used to retrieve a Client ID from AMP Client ID service. Other possible values indicate opt-out, inflight request or an error retrieving a Client ID from AMP Client ID service.	Persistent	1 Hour
Lotame	crwdcntrl.net	Maintain ads and personalization profile	Persistent	9 Mo

HOW WE MAY USE INFORMATION WE COLLECT

We may use the information gathered on Humbled Budget for various purposes, including the purposes listed below. For example, if you were to contact us with a question and provide your email address, we would use the email address you provided to respond to your inquiry. In addition, we use information we collect from you and through the Site to:

Provide products and services you request (such as when you sign up to receive our email newsletters);
Respond to requests, questions, and comments, and provide other types of user support;
Offer you products and services, or direct you to portions of this Site or other websites, that we believe may interest you;
To serve advertising, content and offers to you based on your interests and online activities, from us or third parties;
Communicate about, and administer your participation in, events, programs, contests, and other offers or promotions;
Carry out, evaluate, and improve our business (which may include developing new features for the Site; analyzing and enhancing the user experience on the Site; assessing the effectiveness of our marketing and advertising; and managing our communications);
Perform data analytics regarding usage of the Site (including market and customer research, trend analysis, and financial analysis);
Guard against, identify, and prevent fraud and other criminal activity, claims, and other liabilities; and
Comply with applicable legal requirements, law enforcement requests, and our company policies.

HOW WE MAY SHARE INFORMATION

Our agents, vendors, consultants, and other service providers may have access to information we collect through the Site to carry out work on our behalf. Those parties are subject to confidentiality obligations and are restricted from using personal data collected through the Site for purposes other than to provide the requested assistance. In addition, we may share information:

With our affiliates for internal business purposes;
With third parties for marketing purposes, including social media networks, data management platforms, and other advertising technology providers; for example, we may match your email address with third parties with whom you have also consented to share your email address and use such match to deliver custom offers or emails to you on the Sites and elsewhere online;
If we are required to do so by law, regulation, or legal process (such as a court order or subpoena);
In response to requests from government agencies, such as law enforcement authorities, including to meet national security requirements;
If we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, or in connection with an investigation of suspected or actual illegal activity;
With respect to analytics and statistical information, to inform advertisers about the nature of our user base;
In the event we sell or transfer all or a portion of our business or assets (including a reorganization, dissolution, or liquidation). In such an event, we will seek to provide you with commercially reasonable notice, e.g., via email and/or notice on our website, of any change in ownership, incompatible new uses of your personal information, and choices you may have regarding your personal information; and
With your consent or at your discretion.

DATA RETENTION AND ACCESS

We will retain your personal data only for as long as necessary for the purposes it was retained, such as to enable you to use the Website and your products or to provide services to you. In some instances, we may retain data for longer periods in order to comply with applicable laws (including those regarding document retention), resolve disputes with any parties, and otherwise as necessary to allow us to conduct our business. All personal data we retain will be subject to this Privacy Policy and our internal retention guidelines. We respect your control over your information and, upon request, we will seek to confirm your identity and whether we hold or are processing information that we have collected from you. You also have the right to amend or update inaccurate or incomplete personal information, request deletion of your personal information, or request that we no longer use it. Under certain circumstances we will not be able to fulfill your request, such as if it interferes with our regulatory obligations, affects legal matters, we cannot verify your identity, or it involves disproportionate cost or effort, but in any event we will respond to your request within a reasonable timeframe and provide you an explanation. In order to make such a request of us, please email us at privacy@humbledbudget.com.

YOUR CHOICES

Unsubscribe from emails. To unsubscribe from a particular newsletter, click the “unsubscribe” link at the bottom of that email newsletter. If you would like to globally opt-out from ALL Humbled Budget email campaigns please send an email to optout@humbledbudget.com with “Unsubscribe” in the subject line. When we send newsletters to subscribers we may allow advertisers or partners to include messages in those newsletters, or we may send dedicated newsletters on behalf of those advertisers or partners. We may disclose your opt-out choices to third parties so that they can honor your preferences in accordance with applicable laws.

Blocking cookies

Certain browsers may be configured to notify you when you receive cookies, or allow you to restrict or disable certain cookies. If you choose to disable cookies, however, that could affect certain features of the Site that use cookies to enhance their functionality.

Disabling local shared objects

We may use other kinds of local storage that function similarly, but are stored in different parts of your computer from ordinary browser cookies. Your browser may allow you to disable its HTML5 local storage or delete information contained in its HTML5 local storage. Click here for details about deleting information contained in “local shared objects” or adjusting related preferences.

Options concerning third-party ad networks

As described in this Privacy Policy, we and third parties may use cookies and similar tracking technologies to collect information and infer your interests for interest-based advertising purposes. if you would prefer to not receive personalized ads based on your browser or device usage, you may generally opt out of interest-based advertising by clicking here. Please note that you will continue to see advertisements, but such advertisements will no longer be tailored to your interests. For more information about third-party ad networks and services that use these technologies, you can visit www.aboutads.info and click here to opt out or to learn more about your options. You also may visit the NAI’s site for additional options on how to opt out of interest-based advertising. To opt out of such use of cookies and similar tracking technologies by LiveRamp, Inc., click here.

HOW WE PROTECT PERSONAL DATA
We maintain appropriate administrative, technical, and physical safeguards designed to protect the personal data you provide against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use. That said, it is not possible to guarantee the security of information transmitted online, and you assume some risk with regard to the security of information you provide through any website, including this Site. If you have a data security inquiry, you may contact us by emailing security@humbledbudget.com. To request an invite to our bug bounty program to submit reports on vulnerabilities found on HumbledBudget.com, you may contact us by emailing bugbounty@humbledbudget.com.

LINKS FROM HUMBLED BUDGET TO OTHER SITE

On this Site we may provide links to other websites that are controlled by third parties. Linked websites may have their own privacy notices or policies, which we strongly suggest you review. We are not responsible for the content, usage terms, privacy policies of websites that we do not own or control.

SURVEYS AND QUIZZES

While you are visiting Humbled Budget, you may have the opportunity to participate in surveys, quizzes, or other interactive features that request information about you and your opinions and preferences. Your participation in these features is entirely voluntary. If you do choose to participate, please be aware that these features may be operated by a third party that is not controlled by Humbled Budget, and therefore the information you provide may be collected by the third party and subject to its privacy policy.

DISCLOSURE OF PERSONAL INFORMATION TO THIRD PARTIES

To enable them to perform their services, such as (without limitation) IT service providers, data storage, web hosting, and server providers, debt collectors, maintenance or problem-solving providers, marketing providers, professional advisors, and operators of payment systems, we may disclose personal information to third-party service providers.

We may also disclose personal information to our employees, contractors, and/or related entities, as well as to our current or potential agents or business partners.

In connection with any current or upcoming legal proceedings, or to establish, exercise, or defend our legal rights, as required by law, regulatory authorities, courts, and law enforcement officers may be granted access to personal information

Third parties, including agents or subcontractors, who help us provide information, products, services, or direct marketing to you, may also be granted access to personal information.

Analytics

We may use technologies and other third-party tools to process analytics

Information on our services. Some of our analysis partners include

Google Analytics.

For more information, please visit the Google Analytics Privacy Policy. To learn more about how to opt out of Google Analytics’ use of your information, please click here.

LinkedIn Analytics

For more information, please visit LinkedIn Analytics’ Privacy Policy. To learn more about how to opt-out of LinkedIn’s use of your information, please click here.

Twitter

For more information, please visit Twitter’s Privacy Policy to see how Twitter will use your information and how to adjust your privacy settings.

Facebook

For more information, please visit Facebook’s Data Policy. To learn more about how to manage or delete your information and how to adjust your privacy settings, click here.

YouTube

For more information, please visit the Google Analytics Privacy Policy. To learn more about how to opt-out of Google Analytics’ use of your information, please click here.

Discord

For more information, please visit Discord’s Privacy Policy. To learn more about how to control the information that Discord has access to, click here.

Social Media Platforms

Our services may contain social media buttons such as LinkedIn, Twitter, Discord, Facebook, and YouTube (that might include widgets such as the “share this” button or other interactive mini-programs). These features may collect your IP address, which page you `are visiting on our Services, and may set a cookie to enable the feature to function properly. Your interactions with these platforms are governed by the privacy policy of the company providing them.

CHILDREN’S ONLINE PRIVACY PROTECTION ACT (“COPPA”)

This Site is not designed or intended for use by children, and we do not knowingly collect personal data from children under the age of 16. If we become aware that we have collected personal data from a child under the age of 16, we will delete any such information.

INFORMATION FOR USERS OUTSIDE THE UNITED STATES

Your personal data may be stored, transferred and processed in and to the United States and in other countries by our affiliates and/or service providers. The data protection laws in these countries may provide a lower standard of protection for your personal data than your country of residence. We take great care in protecting your personal data and have put in place adequate mechanisms to protect it when it is transferred internationally. We will transfer your personal data in compliance with applicable data protection laws and will implement suitable safeguards to ensure that your personal data is adequately secured by any third party that will access your information (for instance, by using the Model Clauses as approved by the European Commission).

By using our Site and providing personal data to us, you consent to the terms of this Privacy Policy and the collection, use, maintenance, transfer to and processing of your personal data in the United States or other countries or territories, and, unless otherwise stated in this Privacy Policy, we use this consent as the legal basis for that data transfer.

If you have questions or wish to obtain more information about the international transfer of your personal data or the implemented safeguards, please send us an email to privacy@humbledbudget.com.

ADDRESS

Should you wish to designate someone other than yourself to request to opt out or delete your Personal Information, please contact us in writing by email, at the address listed above.

To protect your privacy and the integrity of your Personal Information, Humbled Budget will ask you to verify your identity and/or verify that you are authorized to request under this Section. To that end, you may be asked to provide your website account information (if you have one), provide Information regarding a product that you have registered, or verify certain Personal Information previously provided to us before undertaking any actions to delete your Information.

Please note, however, that Humbled Budget may not delete Personal Information that is necessary for the following:

meeting applicable legal requirements, such as carrying out warranty obligations, providing safety advisories and notices, responding to legal or regulatory inquiries, preserving Information relevant to a legal claim or lawsuit; and
in the case of Information provided by employees, information necessary for making promotions, appointments, or other employment decisions. For certain more sensitive Personal Information (which may include race, gender, religion, medical Information etc) Humbled Budget will provide an affirmative or explicit (opt-in) choice if the personal Information is to be disclosed to a third party for use in a manner incompatible with the purpose for which it was collected.

Humbled Budget will not discriminate against you for exercising your rights under this Section.

HOW WE’LL INFORM YOU ABOUT CHANGES TO THIS PRIVACY POLICY

We may update this online privacy policy periodically to reflect changes to our privacy practices, such as how we collect or use personal data. If we propose to make any material changes, we will post a prominent notice on the HumbledBudget.com home page to notify you of significant changes to this policy, and we indicate at the top of the policy the date when it was most recently updated. We encourage you to periodically review this page for the latest information on our privacy practices.

NOTICE FOR CALIFORNIA USERS

Under California Civil Code Section 1789.3, California users of the Website are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

CALIFORNIA RESIDENTS’ RIGHTS

If you are a California resident, you have the rights outlined in this section. Please see the “Exercising Your Rights” section below for instructions regarding how to exercise these rights. Please note that we may process the personal data of our customers’ end users or employees in connection with our provision of certain services to our customers.

If we are processing your personal data as a service provider, you should contact the entity that collected your personal data in the first instance to address your rights with respect to such data.

If there are any conflicts between this section and any other provision of this Privacy Policy and you are a California resident, the portion that is more protective of personal data shall control the extent of such conflict. If you have any questions about this section or whether any of the following rights apply to you, please contact us at humbledbudget@gmail.com.

Access

You have the right to request certain information about our collection and use of your personal data over the past 12 months. In response, we will provide you with the following information:

The categories of personal data that we have collected about you.
The categories of sources from which that personal data was collected.
The business or commercial purpose for collecting or selling your personal data.
The categories of third parties with whom we have shared your personal data
The specific pieces of personal data that we have collected about you.

If we have disclosed your personal data to any third parties for a business purpose over the past 12 months, we will identify the categories of personal data shared with each category of third-party recipient. If we have sold your personal data over the past 12 months, we will identify the categories of personal data sold to each category of the third-party recipient.

Deletion

You have the right to request that we delete the personal data that we have collected about you. Under the CCPA, this right is subject to certain exceptions. For example, we may need to retain your data to provide you with the services or complete a transaction or other action you have requested. If your deletion request is subject to one of these exceptions, we may deny your deletion request.

Exercising Your Rights

To exercise the rights described above, you must send us a request that

provides sufficient information to allow us to verify that you are either the person about whom we have collected personal data or are an agent authorized by that person, including, without limitation, your name, and email address; and
describes your request in sufficient detail to allow us to understand, evaluate, and respond to it. Each request that meets both of these criteria will be considered a “Valid Request.” We may not respond to requests that do not meet these criteria. We will only use personal data provided in a valid request to verify your identity and complete your request. You do not need an account to submit a valid request.

We will work to respond to your valid request within 45 days of receipt. We will not charge you a fee for making a valid request unless your valid request (s) is excessive, repetitive, or manifestly unfounded. If we determine that your valid request warrants a fee, we will notify you of the fee and explain that decision before completing your request.

You may submit a valid request using the following methods:

Email us at: humbledbudget@gmail.com
You may also authorize an agent (an “authorized agent”) to exercise your rights on your behalf. To do this, you must provide your authorized agent with written permission to exercise your rights on your behalf, and we may request a copy of this written permission from your authorized agent when they request it on your behalf.

Personal Data Sales Opt-Out and Opt-In

In this section, we use the term ‘sell” as it is defined in the CCPA. Over the past 12 months, we have not sold any personal data to third parties. We also do not sell the personal data of minors less than 16 years of age.

We Will Not Discriminate Against You for Exercising Your Rights Under the CCPA

We will not discriminate against you for exercising your rights under the CCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you with a lower quality of goods and services if you exercise your rights under the CCPA. However, we may offer different tiers of our services as allowed by applicable data privacy laws (including the CCPA) with varying prices, rates, or levels of quality of the goods or services you receive related to the value of personal data that we receive from you.

Advertising Partners’ Privacy Policies

You may consult this list to find the privacy policies for each advertising partner of Humbled Budget Use. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or personalize the advertising content you see on websites you visit.

Note that Humbled Budget has no access to or control over third-party advertisers’ cookies.

Third-Party Privacy Policies

Humbled Budget’s Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective privacy policies of these third-party ad servers for more detailed information. It may include their practices and instructions about opting out of specific options.

You can choose to disable cookies through your browser options. It can be found on the browsers’ respective websites for more detailed information about cookie management with specific web browsers.

GDPR Data Protection Rights

We want to ensure you are fully aware of your data protection rights. Every user is entitled to the following:

The right to access – You can request copies of your data. We may charge you a small fee for this service.

The right to rectification: You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you think is incomplete.

The right to erasure Under certain conditions, you have the right to request that we erase your data.

The right to restrict processing: You have the right to request that we restrict the processing of your data under certain conditions.

The right to object to processing: You have the right to object to our processing of your data under certain conditions.

The right to data portability: you have the right to request that we transfer the data that we have collected to another organization or directly to you under certain conditions.

If you make a request, we have one month to respond. Please get in touch with us if you would like to exercise any of these rights.

International transfer

Your personal information may be transferred to or from the United States or other locations outside your state, province, country, or other governmental jurisdiction where privacy laws may not be as protective as those in your jurisdiction.

EU users should read the important information provided below about transferring personal data outside of the European Economic Area (EEA).

If you are a resident of the European Economic Area inquiring about your rights under the General Data Protection Regulation (“GDPR”), please include “GDPR privacy rights request” in the subject line of your email.

HOW TO CONTACT US

If you have questions about this policy or about our privacy practices, you may contact us by emailing privacy@humbledbudget.com.

You may also write to:
Humbled Budget Privacy
Houston, TX

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request