We automatically receive and store information you enter on our site or give us in any other way. We collect personally identifiable information from you if you contact us including your name, email address, and message details you send with inquiries. For example, our servers automatically recognize the domain names and IP addresses of visitors to our site. An IP address is a number that is automatically assigned to your computer when you use the Internet. We use IP addresses to do a variety of things, such as help diagnose problems with our server, operate our site, analyze trends, track users’ movement, gather broad demographic information for aggregate use so we can improve the site, and deliver customized, personalized content. The site also gathers traffic data that does not personally identify you but may be used for marketing purposes or to improve our website. Our site may also collect and analyze information such as the operating system a visitor uses, the website that referred the visitor to our site, and the pages of our site that are viewed.
We do not honor do not track signals issued by browsers or other third party sources. However, there are steps you can take to control information that may be collected about you by changing your cookie and privacy settings, opting out of certain advertising programs, and taking related steps.
Communications made via e-mail to our site or through our site cannot receive any assurance of privacy. By sending an e-mail through this site, you consent to any lack of privacy that may occur. We reserve the right to monitor and review e-mails sent through this site.
We may use technology to gather non-personally identifiable information about your use of our site to assist us with data collection, marketing, and improvements to our site. This technology may include cookies, web beacons or pixel tags, mobile device ID’s, and other methods for collecting and storing information about your computer or device and use of our site. As part of this process, a cookie may be placed on your browser. Cookies are small text files that websites can send to your browser, which are then stored on your computer or device.
Cookies serve a variety of functions, including improving the user experience when visiting a site and remembering user preferences. These cookies may collect your IP address or unique mobile device ID and allow us to recognize your computer or device as a visitor to the site. Cookies may collect information on the date and time you visit a site, the pages you visit, the geographic location of your computer or device, and similar types of data. Throughout this Policy, the term “cookies” is used to refer to cookies and all related or similar technologies that collect information when you access our site.
Cookies can remain on your computer or device for different periods of time depending on the type of cookie. A session cookie only remains on your computer or device for a short period of time, such as while a browser is open or until you leave a website. A persistent cookie remains on your computer or device for a longer period of time, depending on the duration of the cookie, your browser settings, and any steps you take to delete it. This site uses both types of cookies.
The following types of cookies may be used on our site:
Necessary or Essential Cookies. Some cookies are used to make websites operate and are required for the site to work properly. You can set your browser to block these cookies, but some parts of our site will not function if you block these cookies.
Functionality Cookies. These cookies enhance the functionality of our site. These cookies may be set by us or by third-party content on the site. Functionality cookies may be used to provide custom or personalized features. You can set your browser to block these cookies. Some features on our site may not function if you block these cookies.
Advertising Targeting Cookies. This site features advertising from third parties. This site and third party advertisers set cookies to track your activity across websites and record your visits so they can show advertisements that may be relevant to you. For example, some cookies may allow third party advertisers to determine whether you were already shown a particular ad or when the ad was last shown.
Social Media Cookies. Some cookies may be set by social media companies. They are capable of tracking your browser across other sites. On some pages of this site, third parties that provide applications through this site may set their own anonymous cookies. Because of how cookies work, we are unable to access these cookies or provide information about them. Some pages on our site may contain embedded content, including but not limited to, video content from websites that set their own cookies.
We may use User Information collected via our site cookies and cookies from third parties to analyze the performance of the site, review trends, and understand the interests of visitors so we can develop other products, services, and content. We may use User Information if necessary to enforce our contractual agreements, assert our legal rights, and comply with any legal or governmental obligations.
We use third party advertisers to serve ads on our site. These advertisers may place or recognize a unique cookie on your computer or device and may use information about your visits to this and other sites to measure advertising effectiveness and to offer information about goods and services to you. Third parties, including advertisers, may be able to collect and track your non-personally identifiable information through our site and other websites. We may share site usage information and related data on our site with third party advertisers, vendors, and analytics providers for the purpose of providing content, products, services, and ads to our users, subscribers, and customers. Placing cookies on your computer or device means this site and third party advertisers may serve personalized advertisements that are more appealing to you, change the number of times ads are displayed, and use information obtained to measure effectiveness of advertisements.
We may share User Information with our vendors, affiliates, and third party advertisers solely for the purpose of providing products, services, and advertising to our website visitors, subscribers, and customers.
We may utilize other companies and individuals to perform functions on our behalf, such as e-mail or other communication services, data analysis, advertising, payment processing, and web hosting. Some cookies may be necessary to allow our site to remember your preferences and provide certain features or services. Companies and individuals performing these functions on our behalf may have access to User Information needed to perform these services, but they are not authorized to use it for any other purpose.
How to Control or Delete Cookies
Browsers typically allow cookie settings to be changed. Browser settings typically allow you to prevent your browser from accepting certain cookies or to require your consent before new cookies are placed. Browser settings also typically allow you to block cookies. Your mobile device may have settings that allow you to modify the use of certain mobile identifiers. For information on how to manage cookies, refer to your browser instructions or privacy setting instructions on your computer or device. Cookie and privacy settings vary from browser to browser, therefore, we cannot provide information on how to manage cookies on any particular browser you may be using. If you only want to limit third party advertising cookies, you may be able to turn off these cookies using certain programs designed to manage advertising cookies. Other tools may also be available online or on your computer, device or browser to manage cookies and your privacy.
If you wish to manage cookies on your computer or device, you may also review your browser menu for cookie settings or privacy settings. Detailed information on how to disable and delete cookies is available at
If you disable cookies, we may still use information collected from cookies set prior to the disabling of cookies. However, after you disable cookies, additional information will not be collected.
More Information on Your Privacy Options
If you would like to withdraw any consent you previously provided to us or have any of your User Information removed, please send an email with your full name, email address, postal address, a description of the User Information you would like removed, and the specific rights you are asserting, to firstname.lastname@example.org. We may require you to verify your identity before any action can be taken.
You may take steps to opt-out of certain third party online advertising targeted to your interests and preferences. By opting out of targeted advertising, you will continue to see ads on the site, but they will not be targeted to you. Information on opting out is available on several websites, including:
When you visit websites or browse online, various third party websites may collect information about you. This Policy only applies to the use of the Pennyborn.com website. For information about the privacy policies and cookie policies of any third party website, please contact that third party directly.
If you do not wish to receive e-mail or other communications from Pennyborn.com, e-mail us a request to be removed from our distribution list. You may continue to receive e-mail or other communications from us after you have submitted a request to be removed from our distribution list. This may occur due to delays in updating our mailing lists, computer system errors or delays associated with third party service providers. If you receive communications from us after you requested we remove you from our distribution list, please send us another e-mail at email@example.com.
Children and Privacy
If you have not yet attained the age of 18 years old, please do not use this site. This site is not intended for use by any person that is a minor. We do not knowingly collect information from children under age 13. If we receive notice that we have received or collected information directly from a child under age 13 without the consent of the child’s parent or legal guardian, we will take commercially reasonable steps to remove or delete any such information.
Privacy Notice to California Residents
If you are a California resident, the California Consumer Privacy Act CCPA may provide additional rights regarding use of your personal information, such as:
the right to access personal information processed about you;
the right to know what personal information is collected about you and if any information is sold or disclosed, and to whom;
the right to request that your personal information be deleted, if applicable;
the right to opt out from the sale of your personal information, if applicable; and
the right not to be discriminated against for exercising any of these rights.
Pennyborn.com does not sell personal information to third parties for their direct marketing use. Within the past twelve months, Pennyborn.com has not sold information about consumers or disclosed information about consumers for a business purpose to a third party.
Notice to International Visitors
Pennyborn.com is headquartered in the United States and operated by its owner in the United States. It is not intended to subject the site or its owners to the laws or jurisdiction of any country, state or territory other than the United States. Regardless of your place of residence or domicile, your use of this site is governed by the laws of the United States and you consent to the jurisdiction of U.S. law. If you access this site outside the United States, you do so at your own risk and should be aware your User Information will be transferred to and stored on servers in the United States or may be transferred to and stored on servers in jurisdictions outside the United States. By using our site or providing us with User Information, you consent to the collection, transfer, processing, storage, and use of your User Information in the United States, and in some circumstances, in countries outside the United States. You should also be aware your User Information may be subject to laws that do not provide the same protection of personal information as the laws of the country where you reside or are domiciled. Please do not access or use this site or submit any personal data to us if you do not agree to the collection, transfer, processing, storage, and use of your personal data in the manner outlined in this Policy.
We may retain User Information for as long as necessary to comply with any applicable laws and regulations, enforce our agreements and intellectual property rights, and maintain our business operating files.
Links and Third Party Websites
We make no representations about our ability to prevent any loss, misuse or alteration of any information obtained from you through your use of this site and we are not liable to you or any third party arising therefrom.
If any portion of this Policy shall be deemed invalid, void or unenforceable, that portion shall be deemed severable and shall not affect the validity and enforceability of the remaining portions of the Policy.
How to Contact Us
To contact us regarding your User Information, cookies, this Policy or this site, please send us an email at firstname.lastname@example.org. If you contact us for any reason, we may require you to verify your identity by providing the necessary documentation.
INFORMATION ON THIS SITE, INCLUDING ARTICLES, ESTATE PLANNING FORMS, AND THE ESTATE PLANNING BLOG, DOES NOT CONSTITUTE LEGAL, FINANCIAL OR TAX ADVICE. Pennyborn.com is not a law firm and is not a substitute for a lawyer. Your use of this site does not create an attorney-client relationship. Information on this site is for educational purposes only and may not be accurate, complete or up to date.
For information about Pennyborn.com and how to advertise on this website Contact Us.