Privacy Policy


This domain and site, ("24/Savvy", "we", or "us"), is owned, controlled and operated by 24/Savvy, LLC, a New York limited liability company.  We can be contacted as follows:

By email:

By regular mail: PO Box 906, Times Square Station, New York, NY 10108-0906

24/Savvy is an online community and editorial site that allows users to engage with each other and share tips and information on living a value-conscious or “savvier” lifestyle.  We are committed to maintaining the privacy and safety of our users.  This Privacy Policy outlines the type of information we collect and receive from you while you are utilizing our site, as well as ways in which we process (and sometimes share) such information and how you can correct or change such information.


How 24/Savvy Collects Information: “Personally Identifiable Information” is any information that can be used to identify a specific individual, such as your name, email address, home address, and phone number.  24/Savvy asks you to provide Personally Identifiable Information in various places, some of which are listed below:

Member Registration: In order to use many of 24/Savvy’s features, tools and services, we ask you to register to become a member. During this member registration process, we will ask you for Personally Identifiable Information. In addition, you may be asked to provide 24/Savvy with additional demographic information during that process, including marital status, household income, education and/or employment status.

Email Newsletters: 24/Savvy may offer electronic newsletters on a variety of topics.  If you subscribe to any of these newsletters, you will be required to provide a valid email address as well as any other information that is relevant to the delivery of the news letter.

Surveys and Polls: 24/Savvy may offer online surveys and questionnaires that ask users for opinions on various issues and/or other information.  Occasionally, we may request demographic information (like zip code, age or gender) when you answer a survey.  Such surveys are completely voluntary.

Sweepstakes and Contests: We may operate sweepstakes, contests or giveaways from time to time.  We typically ask you for your email address and/or phone number (to notify you if you've won, or not). We may also ask for first and last names, and sometimes post office addresses in order to verify the entrant's identity. In some situations, we need additional information as part of the entry process, such as a prize selection choice.

Information gathered by 24/Savvy and its third party service providers: When you visit 24/Savvy and interact with the services and tools that reside there, 24/Savvy and third parties with whom 24/Savvy has contracted to provide services to 24/Savvy may collect information on your actions. This type of information is generally collected from two sources. One is from the server log files and the other is from cookies.

IP Address

Your IP address is a number that is assigned by your ISP (Internet Service Provider) to your computer to identify its location. We use your IP address to help diagnose problems with our server and to administer our website. We also sometimes use IP addresses to communicate with members and subscribers and possibly even ban those members who are not complying with our Terms of Service.


Our site uses a feature of your browser to set a "cookie" on your computer. Cookies are small packets of information that a site's computer stores on your computer.  24/Savvy can then read the cookies whenever you visit 24/Savvy. We use cookies to save your password so you don't have to re-enter it each time you visit our site, to deliver content specific to your interests, to track the pages you've visited and to make sure you don't see the same ads repeatedly. These cookies allow us to use the information we collect to customize your 24/Savvy experience so that your visit to 24/Savvy is as relevant and as valuable to you as possible.  You may modify your browser preference to provide you with choices relating to cookies. You have the choice to accept all cookies, to be notified when a cookie is set or to reject all cookies. If you choose to reject cookies you may be unable to use those 24/Savvy services that require registration in order to participate or will have to sign in each time you visit 24/Savvy.

Our advertising may be served by third party advertising companies which deliver a cookie to you so the ads you see can be tracked and ensure that you are not shown the same ad repeatedly. Since the third party advertising company only tags your computer with a number, they know nothing about who you are. 24/Savvy does not provide these third party advertising companies with any personally identifiable information. However, these companies may use non-personally identifiable information about your visits to 24/Savvy and other sites in order to provide advertisements about goods and services of interest to you.

How 24/Savvy uses Information it collects

24/Savvy uses the information you provide for several purposes, such as to communicate with you and to give you a better experience when visiting 24/Savvy by personalizing tools, content, services and email messages. 24/Savvy also uses this information to build new services and develop offers that 24/Savvy believes are more relevant and valuable to you.

The information collected by 24/Savvy is also used to create aggregated portraits of the 24/Savvy audience, portraits which present anonymous statistical demographic information but no personally identifiable information. This aggregated information is used, among other things, to determine trends and needs, and also to supply market research to potential sponsors, advertisers and partners to help them understand who the 24/Savvy audience is.

24/Savvy offers the ability to forward an article to another person via email. If you use this service, we will use the recipient's email address in order to send the article or postcard and we will also ask for your email address. We do not use the recipient's email address for any other purpose unless such recipient gives us permission to do so.

Disclosure of Personally Identifiable Information to Third Parties

24/Savvy does not sell or otherwise share Personally Identifiable Information with unaffiliated third parties without your consent (please see the Opt-In/Opt-Out Policy below), except in the following instances: (i) disclosure is required by applicable law or pursuant to a court or similar order; (ii) as deemed necessary, in 24/Savvy's discretion, to protect the legal rights or the property of 24/Savvy, a member or third party, or to prevent personal injury; and/or (iii) in the event of a sale, merger, assignment, joint venture or other transfer or disposition of a portion or all of the assets of or equity in 24/Savvy (including, without limitation, in connection with any bankruptcy or similar proceedings). In addition, 24/Savvy may provide Personally Identifiable Information to third parties who are providing technical or fulfillment services on behalf of 24/Savvy when such disclosure is required in order to provide those services, provided that such third parties agree to be bound by 24/Savvy's Privacy Policy.

Sweepstakes and contests offered on 24/Savvy may be sponsored by unaffiliated third parties. Information that you provide as part of an entry into a sponsored sweepstakes or contest will be shared with the sponsor if we advise you of such in the sweepstakes rules. Most sweepstakes and contests will also ask you to consent to the release of information contained within the entry form for tax purposes if you become a winner. You should carefully review the rules of each sweepstakes, contest and giveaway which you enter as they may contain additional important information about 24/Savvy's or a sponsor's use of your Personally Identifiable Information.

The information you provide on pages of 24/Savvy that are co-branded with a third party (including tools that are hosted by a third party) may be shared with advertisers and partners on an aggregated basis and in these instances your permission will not be requested since no Personally Identifiable Information will be shared or provided to these third party sponsors or advertisers. 24/Savvy will, however, use commercially reasonable efforts to contractually require all such third party advertisers and partners to agree not to use any non-personally identifiable information about you, in conjunction with other sources of information, or otherwise, to identify you.

The 24/Savvy Opt-in/Opt-out Policy

Upon registration, and from time-to-time thereafter, you may be asked to indicate whether you are interested in receiving information from us about special offers or news about our sites and advertisers. If you do choose to receive these communications by means of an opt-in, we will occasionally send you an email message that matches your request(s). We currently provide the following opt-out opportunities:

At any time, you can follow a link provided in every newsletter or email message (except for e-commerce confirmation or service notice emails) to unsubscribe from that mailing list or email service.

At any time, you can contact us through to have your contact preference changed to "Do Not Contact Me."

Notwithstanding anything else in this Privacy Policy, please note that 24/Savvy reserves the right to contact you in the event of a change in the 24/Savvy Terms of Service and/or this Privacy Policy.

You may also be provided with the opportunity to opt-in to receive offers, goods and services directly from select companies other than 24/Savvy. In such instances where you have opted-in to receive such offers, goods and services from third parties, 24/Savvy will share your information with such third parties and will often provide you access to the Privacy Policy of the third party for your review via a link. In some instances, when you have the opportunity on 24/Savvy to subscribe to a newsletter offered by a third-party email service or advertiser or partner, the email address information will be located on the third party's server and any information you provide is subject to that entity's Privacy Policy, not this one.

If you have additional questions about how one of our advertisers, partners or sponsors use information about you, we urge you to contact them directly. For purposes of this Privacy Policy, "opt-in" is generally defined as any affirmative action by a 24/Savvy member or visitor to submit or receive information, as the case may be.

Third Party Advertising and Links to other Sites.

24/Savvy contains links to advertiser and partner websites that are not co-branded or affiliated with 24/Savvy in any way. We cannot be responsible for the privacy practices or the content of such non-24/Savvy websites, and we do not control the practices of any of our advertisers or partners to whose sites we link.

Access and Correction

24/Savvy provides you with the ability to access, correct or change the Personally Identifiable Information in your member portrait at any time, including contact information or other information you've provided to us. To review, modify or delete your member information, pleaseclick here. Please be advised that 24/Savvy currently archives information it collects on its members and visitors.

Guidelines regarding children

Personal information about children is a concern for all of us. At 24/Savvy, we take the protection of children's privacy very seriously. 24/Savvy does not encourage participation or visitation by children. Visitors who are known to be under the age of 13 are prohibited from becoming a member.

Public forums/chat rooms/message boards/bulletin boards/social networking

Throughout 24/Savvy, various public forums such as chat rooms, message boards, "ask the expert" areas and various question and answer areas are available to you as a registered 24/Savvy member.

Please remember that any information you disclose in these public forum areas becomes public information and is immediately accessible on 24/Savvy, so it is important for you to exercise discretion and appropriate caution when deciding to reveal personal information in these areas. 24/Savvy may decide to utilize the content of Q&A's, interactions with experts, and/or chat room and message board content throughout 24/Savvy and in promotions in order to enhance 24/Savvy's editorial, advertising, promotional and similar activities. In those cases, we often provide authorship credit by listing the author's member name. We therefore encourage you to use care in protecting your identity when you choose a member name and to keep your member name confidential.

How we protect and secure your information

24/Savvy has numerous security measures in place to protect you from the loss, misuse and alteration of the information under our control, including your credit card information if you choose to conduct an e-commerce transaction on 24/Savvy. All of your member information requires the use of your password. We recommend that you do not share your password with anyone. 24/Savvy uses industry-standard tools, such as firewalls, to ensure that your information is secure and confidential.

Applicable Law

We control and operate 24/Savvy from the United States. 24/Savvy is not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. Please note that we do not represent or warrant that 24/Savvy is appropriate for use in any particular jurisdiction. Those who choose to access 24/Savvy do so at their own initiative and are responsible for complying with all local laws, rules and regulations.

Changes to this Privacy Policy

We will notify our members when we make any significant changes to our Privacy Policy that affect the use of any personally identifiable information we collect. We will not make new use of any Personally Identifiable Information which 24/Savvy gathered from individual members or visitors prior to any such significant change in our Privacy Policy without first obtaining the member's or visitor's consent for any new uses. In instances where we ask for your Personally Identifiable Information and we tell you the data we are collecting on that page will be shared with unaffiliated third parties, and in cases where a member, visitor or subscriber to 24/Savvy opts-in to share his/her information with third parties, those disclosures and opt-ins will override anything to the contrary in this Privacy Policy. In addition, 24/Savvy reserves the right to make non-significant changes to our Privacy Policy that will not affect 24/Savvy's use of a user's Personally Identifiable Information at any time without any notice to you other than posting any such changes in a revised Privacy Policy on 24/Savvy. We encourage you to periodically review our Privacy Policy to be sure you are familiar with the most current version. The Privacy Policy will include the most recent date on which any revision has been made. Please note that this Privacy Policy is also incorporated into 24/Savvy's Terms of Service.

Contact information

If you have questions about this Privacy Policy or anything else about 24/Savvy, you can contact us at the following email address:

This Effective Date of this Privacy Policy is December 16, 2009