TERMS OF USE
By accessing the website at www.savingchamps.com, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

LIMITATIONS
By using the Sites you agree that I am not responsible for: (i) any disclosure of your personal information made by you to a third party through your use of the Sites; (ii) any disclosure of your personal information obtained illegally from me; or (iii) any accidental disclosure of your personal information made by me.

LINKS
Lorna Ye, owner of the website, has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Lorna Ye. Use of any such linked website is at the user’s own risk.

ACCURACY OF MATERIALS 
The materials appearing on Lorna Ye’s website could include technical, typographical, or photographic errors. Lorna Ye does not warrant that any of the materials on its website are accurate, complete or current. Lorna Ye may make changes to the materials contained on its website at any time without notice. 

MODIFICATIONS
Lorna Ye may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

PRIVACY POLICY
Savingchamps (“savingchamps.com” or “we” or “us” or “Lorna Ye”) respects the privacy of its users (“user” or “you”) that use our website located at www.savingchamps.com, including other media forms, media channels, mobile website or mobile application related or connected thereto (collectively, the “Website”). The following privacy policy (“Privacy Policy”) is designed to inform you, as a user of the Website, about the types of information that Company may gather about or collect from you in connection with your use of the Website. It also is intended to explain the conditions under which we use and disclose that information, and your rights in relation to that information. Each time you use the Website, however, the current version of this Privacy Policy will apply. 

The Website is hosted in the United States of America and is subject to U.S. state and federal law. If you are accessing our Website from other jurisdictions, please be advised that you are transferring your personal information to us in the United States, and by using our Website, you consent to that transfer and use of your personal information in accordance with this Privacy Policy. You also agree to abide by the applicable laws of applicable states and U.S. federal law concerning your use of the Website and your agreements with us. Any persons accessing our Website from any jurisdiction with laws or regulations governing the use of the Internet, including personal data collection, use and disclosure, different from those of the jurisdictions mentioned above may only use the Website in a manner lawful in their jurisdiction. If your use of the Website would be unlawful in your jurisdiction, please do not use the Website.

BY USING OR ACCESSING THE WEBSITE, YOU ARE ACCEPTING THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY.

GATHERING, USE AND DISCLOSURE OF NON-PERSONALLY-IDENTIFYING INFORMATION

COLLECTION OF PERSONAL INFORMATION.
Unless expressly noted otherwise, I do not collect personally-identifiable information from users of my Sites. There is information about your computer hardware and software that is automatically collected by me, such as your IP address, browser type, domain name, access time and referring website addresses. I use this information in improving and analyzing the sites and for troubleshooting purposes. I also utilize this information to monitor and improve services and to ensure that your use of the Sites is in compliance with my Terms of Use.

COOKIES
A cookie is a data text file sent from a website to your browser. It may be stored within your system. To the extent I use cookies, I can only access information from a cookie sent by one of the Sites, not other websites. I may use cookies to understand 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.

Third-party ad servers or ad networks use technology to the advertisements and links that appear on savingchamps.com to 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. www.savingchamps.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 privacy policy of savingchamps.com 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.