This privacy policy (“Privacy Policy”) governs how (“@SmartMoneyJulie”, “SMJ” “we”, “our” or “us”) collects, uses and shares personal information about you, or that you provide to @SmartMoneyJulie (i) by accessing (hereinafter referred to as “Website”), and (ii) through the Services (as defined under Section 3 of @SmartMoneyJulie’s Terms of Service).  

@SmartMoneyJulie is committed to maintaining robust privacy protections for its users. Our Privacy Policy is designed to help you understand how we collect, use and safeguard the information you provide to us and to assist you in making informed decisions when using the Services.

By accessing the Website and/or using the Services, you accept the terms and conditions of @SmartMoneyJulie’s Privacy Policy, and you consent to @SmartMoneyJulie’s collection, storage, use and disclosure of your Personal Information (defined below) as described under this Privacy Policy.  

You acknowledge that it is in your best interest to read this Privacy Policy carefully and to ensure that you understand the terms and conditions contained herein. Your acceptance of @SmartMoneyJulie’s Privacy Policy is deemed to occur upon your first use of the Website. If you do not accept and agree with this Privacy Policy, please refrain from using and/or accessing @SmartMoneyJulie’s Website and Services immediately. 

Scope of Privacy Policy

This Privacy Policy applies only to your access of the Website and/or use of the Services. The Website may contain links to third party websites and resources. @SmartMoneyJulie has no control over how your information is collected, stored, or used by these third party websites and/or resources. @SmartMoneyJulie therefore advises you to check the privacy policies of any such third party websites and/or resources before providing any information to them.

Personal Information that is Collected

This Privacy Policy covers: 

  1. personal information that could identify you, which includes your name, surname and email when you sign-up for @SmartMoneyJulie’s newsletter; and 
  2. information that could not personally identify you, including but not limited to anonymous usage data, general demographic information, your internet and mobile device protocol (IP) address, browser type and version, pages accessed, time zone setting and location, browser plug-in types and versions, operating system, mobile device type, and platform and other technology on the devices you use to access the Website, (collectively “Personal Information”). 

In the context of the law and this notice, the term “process” and “processing” means collect, store, transfer, use or otherwise act on data. 

Automatic Collection of Information

When you visit the Website, SmartLivingwithJulie’s servers automatically record information about your computer hardware and software. This information is collected automatically and is used only to identify potential cases of abuse, resolve technical issues, optimizing the performance of the Website for a better user experience, and establish statistical information regarding your use of the Website and the Services. This statistical information is not otherwise aggregated in such a way that would identify any particular user of the system.

How Personal Information is Secured

@SmartMoneyJulie implements security measures that include encryption, firewalls and secure socket layer technology, which are designed to protect your information from unauthorized access and potential security breaches. However, no data transmission over the Internet or wireless network can be guaranteed. Therefore, while @SmartMoneyJulie strives to protect your Personal Information, you acknowledge that (i) there are security and privacy limitations of the Internet which are beyond our control; (ii) the security, integrity, and privacy of any and all information and data exchanged between you and the Website and/or the Services cannot be guaranteed; and (iii) any such information and data may be viewed or tampered with in transit by a third-party, despite @SmartMoneyJulie’s best efforts.

Use of your Personal Information

Except as otherwise stated in this Privacy Policy, @SmartMoneyJulie does not sell, trade, rent or otherwise share your Personal Information for marketing purposes with third parties without your consent. @SmartMoneyJulie shares only non-identifiable Personal Information with vendors and suppliers who are performing services for @SmartMoneyJulie, such as the vendors and suppliers who provide @SmartMoneyJulie with access to a user’s email address and email communications for the purposes of @SmartMoneyJulie being able to send emails to you via the vendor and/or supplier’s server. Those vendors and suppliers use your non-identifiable Personal Information only at @SmartMoneyJulie’s direction and in accordance with our Privacy Policy.

In general, the Personal Information you provide to @SmartMoneyJulie is used to help us communicate with you. For example, @SmartMoneyJulie uses your Personal Information to (i) make contact with you in response to questions you may ask @SmartMoneyJulie, (ii) solicit feedback from you, (iii) provide technical support, and (iv) inform you about promotional offers.

@SmartMoneyJulie may share Personal Information with third parties if @SmartMoneyJulie has a good-faith belief that access, use, preservation or disclosure of the Personal Information is reasonably necessary to meet any applicable legal process or enforceable governmental request; to enforce @SmartMoneyJulie’s Terms of Service, including investigation of potential violations; address fraud, security or technical concerns; or to protect against harm to the rights, property or safety of @SmartMoneyJulie’s users or the public as required or permitted by law.

Your Rights regarding the Use of Your Personal Information

You may exercise certain rights regarding the processing of your Personal Information by @SmartMoneyJulie. In particular, you have the right to: 

  1. withdraw your consent where you have previously given your consent to the processing of your Personal Information, except to the extent that the basis of @SmartMoneyJulie processing your Personal Information is required by law; 
  2. object to the processing of your Personal Information; 
  3. access and ask for copies of your Personal Information; 
  4. verify the accuracy of your Personal Information and ask for it to be updated or corrected; 
  5. restrict the processing of your information, in which case, we will not process your Personal Information for any purpose other than for storing it; 
  6. obtain the erasure of your Personal Information from @SmartMoneyJulie; and
  7. receive your information in a structured, commonly used and machine-readable format.

You may exercise any of your rights in relation to your Personal Information by written notice to @SmartMoneyJulie, using the contact details set out below. Should you have any cause for complaint about our use of your Personal Information, please contact @SmartMoneyJulie using the details provided below and we will endeavour to solve the problem for you.

Your Rights under the Digital Millennium Copyright Act

It is @SmartMoneyJulie’s policy to respond to any infringement notices and to take the appropriate actions as provided under the Digital Millennium Copyright Act (“DMCA”). Should you believe that material available on the Website infringes on your copyright(s) or that of a third party, please notify @SmartMoneyJulie by submitting a written notice to and include the following information: 

  1. your full name, mailing address, telephone number, and email address;
  2. a description of the copyrighted work that is claimed to be infringed;
  3. a description of where the allegedly infringing material is located onthe Website;
  4. a statement by you that you have a good-faith belief that the alleged infringing use is not authorized by the copyright owner, its agent, or the law; and
  5. a signed (either physical or electronic) statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Upon receipt of such notice, @SmartMoneyJulie shall investigate and/or remove the infringing material. You will be held liable for damages, including costs and attorneys’ fees, should you materially misrepresent that material or activity on the Website infringes on your or a third party’s copyright. 

Retention Period for Personal Information

Except as otherwise mentioned in this Privacy Policy, @SmartMoneyJulie shall endeavour to keep your Personal Information only for as long as is required (i) for @SmartMoneyJulie to be able to provide you with the Services, (ii) to comply with the law, including for the period demanded by our tax authorities, and (iii) to support a claim or defence in court.

Data from Third Parties

@SmartMoneyJulie may collect or receive information that third party service providers may provide about you when using the Website and/or the Services. Or @SmartMoneyJulie may obtain information from other sources and combine that with information @SmartMoneyJulie collects through your use of the Services. @SmartMoneyJulie uses Google Analytics to help @SmartMoneyJulie analyse (i) how users use the Website and/or the Services by noting when you use the Website and the Services, and (ii) usage data and performance data. The information collected will be disclosed to or collected directly by the applicable analytical tool @SmartMoneyJulie is using.  Such information is collected as a means to provide, improve, and develop the Website and the Services so as to create a safer and trusted environment when you use the Website and the Services.


When you or any other visitors leave comments on the Website or on any of our connected Services offered via third parties such as in any specific forums or community groups, we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. All visitor comments may be checked through an automated spam detection service.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: After approval of your comment, your profile picture may be visible to the public in the context of your comment.


If you upload images to our Website or on any of our channels where we are offering you a services such as via one of our forms or forums including any hosted with third party services, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to any of the website and connected third party services can download and extract any location data from images stored.


Cookies are defined as small text files that are placed on your computer’s hard drive by your web browser when you visit any website. They allow data gathered on one web page to be stored until it is needed for use on another, allowing a website to provide you with a personalised experience and the website owner with statistics about how you use the website so that it can be improved. Some cookies may last for a defined period of time, such as one day or until you close your browser. Others last indefinitely. Your web browser should allow you to delete any you choose. It also should allow you to prevent or limit their use.

@SmartMoneyJulie may from time to time use cookies. They are placed by software operated by third parties whose services @SmartMoneyJulie makes use of so as to enhance your experience on the Website. 

When you first visit the Website, you may need to confirm whether you wish for cookies to be used by @SmartMoneyJulie. If you choose not to accept them, @SmartMoneyJulie shall not use them for your visit except to record that you have not consented to their use for any other purpose. However, please note that should you choose not to use cookies or you prevent their use through your browser settings, you might not be able to use all the functionalities available on the Website. 

@SmartMoneyJulie may use cookies for the following purposes:

(i) Authentication and status – @SmartMoneyJulie uses cookies to identify you when you visit the Website and as you navigate through the pages of the Website;

(ii) Personalisation – @SmartMoneyJulie uses cookies to store information about your preferences as you navigate through the Website; 

(iii) Security – @SmartMoneyJulie uses cookies as an element of the security measures used to protect the Website and Services; and

(iv) Analysis – @SmartMoneyJulie uses cookies to analyse the use and performance of the Website and the Services.

Embedded Content from other websites

Articles on this Website may include embedded content (e.g. videos, images, articles, ads, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

While @SmartMoneyJulie may have spent every effort to curate only those services from third parties which are aligned to our own privacy policy as outlined on this web page, we cannot guarantee that such third-parties may not change their privacy policies without us knowing. All third-party embeds are credited with a clear labelled or indicated so that visitors are aware of the source and can check and visit the individual privacy policies of these other websites.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website. It is your responsibility to contact a third-party directly should you have any concerns about your data with them. @SmartMoneyJulie holds no responsibility for any violations or breaches from any third-party website.

Opt-out rights

You can stop all collection of Personal Information by @SmartMoneyJulie by not accessing the Website and the Services, by unsubscribing from @SmartMoneyJulie’s newsletter or by requesting to opt-out via email, at

Changes and Amendments to Privacy Policy

@SmartMoneyJulie may update this Privacy Policy from time to time in @SmartMoneyJulie’s sole discretion and will notify you of any material changes to the way in which @SmartMoneyJulie treats Personal Information. When changes are made, @SmartMoneyJulie will revise the updated date at the bottom of this page. @SmartMoneyJulie may also provide notice to you in other ways in @SmartMoneyJulie’s sole discretion, such as through the contact information you have provided. Any updated version of this Privacy Policy will be effective immediately upon the posting of the revised Privacy Policy unless otherwise specified. Your continued use of the Website and/or Services after the effective date of the revised Privacy Policy will constitute your consent to those changes. However, @SmartMoneyJulie will not, without your consent, use your Personal Information in a manner materially different than what was stated at the time your Personal Information was collected. 

Contact Information

Should you have any questions or concerns regarding privacy while using the Website, and/or the Services, please send us a detailed message to, and @SmartMoneyJulie will use its best endeavours to resolve your concerns. 

Effective Date: 30 OCTOBER 2022