Disclaimer and Giveaway Rules

The Empowered Dollar is a personal blog written and edited by Stephanie Halligan (I’m the owner and I control all the content herein). For questions about this blog, please contact me here.

In accordance with FTC guidelines, I state that I may have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.

This blog 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 blog. All advertising is in the form of advertisements generated by a third party ad network. Those advertisements will be identified as paid advertisements.

The owner of this blog is compensated to provide opinion on products, services, websites and various other topics. Even though the owner of this blog may receive compensation for posts or advertisements, I will always give my honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers’ 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.

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

DISCLOSURE POLICY

I’m not a banker, lawyer, CPA or a certified financial anything (yet). If you’re looking for formal, legal financial advice, go to a professional. I’m here to share my opinion, my own ideas, and my personal finance journey. Hopefully you like that sort of thing. If I claim or appear to be an expert on a certain topic or product or service area, I will only endorse products or services that I believe, based on my expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

While I try to ensure that the information on this site is accurate at the time of publication, information about third party products and services do change without notice. Please visit the official site for up-to-date information.

PRIVACY POLICY

At EmpoweredDollar.com, the privacy of our visitors is of extreme importance. This privacy policy document outlines the types of personal information is received and collected by EmpoweredDollar.com and how it is used.

Log Files
Like many other Web sites, EmpoweredDollar.com collects and uses log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons
EmpoweredDollar.com uses cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.

DoubleClick DART Cookie

  • Google, as a third party vendor, uses cookies to serve ads on your site.
  • Google’s use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet.
  • Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – http://www.google.com/privacy_ads.html

Some of advertising partners may use cookies and web beacons on EmpoweredDollar.com. Our advertising partners include Google Adsense & Amazon. These third-party ad servers or ad networks use technology to the advertisements and links that appear on EmpoweredDollar.com send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.

EmpoweredDollar.com has no access to or control over these cookies that are used by third-party advertisers. You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. The Empowered Dollar’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

GIVEAWAY RULES

OFFICIAL RULES

1.No Purchase Necessary. NO PURCHASE NECESSARY TO ENTER OR TO WIN. A PURCHASE WILL NOT INCREASE YOUR ODDS OF WINNING. SUBJECT TO APPLICABLE FEDERAL, STATE, LOCAL AND MUNICIPAL LAWS AND REGULATIONS.  VOID WHERE PROHIBITED.

2.Eligibility. Subject to the additional restrictions below, the posted sweepstakes are open to residents of the United States who are 18 years or older at the time of entry. Employees of the sponsor(s) listed on the giveaway post (Sponsor) and each of its respective affiliated companies, and advertising and promotional agencies, and the immediate family members of, and any persons domiciled with, any such employees, are not eligible to enter or to win.

3.How To Enter.All rules and directions for entry into the sweepstakes will be specified in each post. One entry per person, per email address, per method of entry, per giveaway, unless otherwise specified. Multiple entries by means of software generated or other automated processes will be disregarded.

4.Winner Selection. Winners will be selected in a random drawing from among all eligible entries received. Drawing will occur within 24 hours of close of sweepstakes.

5.Prizes and Odds. Prizes and ARV are specified in each sweepstakes post. Odds of winning depend on the number of eligible entries received.

6.Winner Notification and Acceptance. Winners will be notified within 48 hours of close of giveaway at the email address given during entry. To claim prize, each winner must respond within forty-eight (48) hours of notification or a new winner will be drawn. Winners may waive their right to receive prizes. Prizes are nonassignable and nontransferable. No substitutions allowed by winner. Prizes and individual components of prize packages are subject to availability and Sponsor reserves the right to substitute prizes of equal or greater value. Winners are solely responsible for reporting and payment of any taxes on prizes.

7. Participation. By participating, entrants agree to be bound by these Official Rules and the decisions of Sponsor.  Sponsor reserves the right to disqualify persons found tampering with or otherwise abusing any aspect of this Sweepstakes as solely determined by Sponsor. In the event the Sweepstakes is compromised by a virus, non-authorized human intervention, tampering or other causes beyond the reasonable control of Sponsor which corrupts or impairs the administration, security, fairness or proper operation of the Sweepstakes, Sponsor reserves the right in its sole discretion to suspend, modify or terminate the Sweepstakes. Should the Sweepstakes be terminated prior to the stated expiration date, Sponsor reserves the right to award prizes based on the entries received before the termination date. Sponsors will not be responsible for failure to receive entries or votes or other electronic communications due to transmission failures or technical failures of any kind, including, without limitation, malfunctioning of any network, hardware or software, whether originating with sender or Sponsor. In the event of a dispute, all online entries will be deemed to have been submitted by the owner of the ISP account from which they were sent. For these purposes, an ISP account holder shall mean the natural person assigned to such ISP account by the Internet access provider, online service provider or other organization responsible for assigning ISP addresses for the domain associated with such ISP account.  Any questions regarding the number of entries or votes submitted by the owner of an ISP account shall be determined by Sponsor in its sole discretion, and Sponsor reserves the right to disqualify any entries, or votes by persons determined to be tampering with or abusing any aspect of the Sweepstakes.

8.Sponsor. Sweepstakes are sponsored by the Sponsor. The decisions of Sponsor regarding the selection of winners and all other aspects of the Sweepstakes shall be final and binding in all respects. Sponsor will not be responsible for typographical, printing or other inadvertent errors in these Official Rules or in other materials relating to the Sweepstakes.

9. List of Winners For a list of winners after close of sweepstakes period please send an email to stephanie at empowereddollar dot com  If you have any questions regarding this Sweepstakes, please contact Stephanie at stephanie at empowereddollar dot com.

10. Shipping. Unless otherwise noted Sponsor is solely responsible for prize shipment to winners. Stephanie Halligan is not responsible for shipment of prizes. We will make every effort to ensure prizes are delivered, but can not be held responsible for lost, delayed, or incomplete shipment of prizes. Prizes not received within 90 days of contest closing are forfeited.

[Updated February 27, 2013]