Privacy, Copyright, and Permissions Information for Websites Owned by Shel Horowitz

Privacy Guarantee: We guarantee that the names and addresses and payment information we collect through our tipsheet registration forms, book orders, or through any e-mail you send us, will not be sold or given away, for any reason, under any circumstances. They are solely to administer the subscription lists to our tipsheets, to respond to your inquiries, and your orders.

Advertising: We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, visit https://www.networkadvertising.org/ One of the ad servers we use is Google. When users visit an AdSense publisher's website and either view or click on an ad, a cookie may be dropped on that end user's browser. The data gathered from these cookies will be used to help AdSense publishers bring you ads that are more directly relevant to your interests.

If You wish to Reprint Content From Our Sites: Individual articles and creative works are copyright (various years) by their individual authors. All articles are used by permission, and the authors reserve all rights. The format and content of this entire web site is copyright 1996-2011 by Shel Horowitz. All rights reserved. These articles and creative works are subject to full protection under U.S. and international copyright laws. Permission is granted to reproduce up to three articles written by Shel Horowitz and/or Dina Friedman for noncommercial purposes [defined as not charging users for access and not scraping content for a site set up primarily to display advertising], subject to the following conditions:

1] Full URL and author's e-mail address (in the format shown below, to avoid being harvested by spambots), postal address, and phone numbers must be included

2] If the article is a book excerpt, the name of the book and the following contact information must be included

Shel Horowitz
16 Barstow Lane
Hadley, MA 01035 USA
shel at frugalfun.com
(413) 586-2388
https://www.frugalfun.com
https://www.shelhorowitz.com

or (for articles written by Dina Friedman)
D. Dina Friedman
16 Barstow Lane
Hadley, MA 01035 USA
dina at ddinafriedman.com
(413) 586-2388

3] This copyright notice must be included in full: for articles by Shel Horowitz,
Used by permission. Copyright by Shel Horowitz. All rights reserved.

For articles by D. Dina Friedman:
Used by permission. Copyright by D. Dina Friedman. All rights reserved.

4] No unauthorized changes to the text, punctuation, or paragraph spacing are allowed.

5] If the material is gathered into any form, in any medium, including but not limited to print, electronic, or online, and that collective work is distributed for sale or sold by subscription, or advertising revenues are solicited and/or received by the site or publication, permission must be obtained and fees negotiated accordingly.

6] You will notify the author of the use and include a URL or send a copy of the printed work.

To obtain permission for any article written by someone other than Shel Horowitz or Dina Friedman, please contact the individual copyright holder/s.

Websites Owned by Shel Horowitz
FrugalFun.com
FrugalMarketing.com
PrincipledProfit.com
Business-Ethics-Pledge.org
AccurateWriting.com
The-Domain-Finder.com
GrassrootsMarketingForAuthors.com
ShelHorowitz.com
Guerrilla Marketing Goes Green
Green & Profitable