Terms of Use
This webpage contains the Terms and Conditions (“Terms of Service”) – or “Terms” – for My Savings Opportunity. This website is owned and operated by My Savings Opportunity. These Terms act as a legally binding agreement and apply to all visitors to this website. My Savings Opportunity reserves the right to update these Terms at any time.
Last Updated: June 30, 2026
Privacy Practices and Applicable Laws
These Terms incorporate by reference the Privacy Policy of My Savings Opportunity, accessible at Privacy Policy. This website is intended for U.S. audiences and is maintained in compliance with federal law (COPPA) and applicable state privacy laws, including the CCPA/CPRA, CPA, VCDPA, CTDPA, TDPSA, MODPA (effective October 2025), ICDPA, KCDPA, RIDTPPA, and future state legislation as applicable.
Definitions
For the purpose of these Terms, the definitions below apply: “Personal Information” and “Personal Data” are used interchangeably and mean data that can be used to identify, relate to, or link to a specific natural person, in accordance with applicable state privacy definitions. “Sensitive Personal Information” includes data pertaining to Social Security numbers, government ID numbers, financial account credentials, geolocation data, racial and ethnic origin, religious beliefs, union membership, medical and health records, biometric data, sexual orientation, immigration status, and private communications. “Sale” and “Sharing” are defined by applicable state privacy statutes and include disclosures for monetary or other valuable consideration and for cross-context behavioral advertising purposes.
No Charge for Content
Visitors may access and use the content on this website at no cost, provided such use is personal and noncommercial in nature. Any commercial use of the content is prohibited and constitutes a breach of this Agreement.
How This Website Works
The purpose of My Savings Opportunity is to offer free content to the public, with operating costs supported through advertising. This site is not designed or intended for commercial use by its visitors.
Advertising and Communications
My Savings Opportunity depends on advertising for its operations. My Savings Opportunity and its advertising partners may receive compensation from ad views, clicks, and user responses. Material advertising relationships are fully disclosed.
Email Marketing: By providing contact information on this site, you may receive marketing emails from My Savings Opportunity and affiliated advertising partners. To opt out at any time, use the unsubscribe option in any email. We will process your opt-out within 10 business days, consistent with the CAN-SPAM Act.
SMS Marketing: Providing your mobile number and consenting to receive texts may result in SMS marketing messages from My Savings Opportunity or its partners. Message and data rates may apply. Reply STOP to opt out or HELP for support. Consent to receive SMS is optional and not required for any purchase or service.
External Links and Third Parties
These Terms are limited in scope to My Savings Opportunity as operated by My Savings Opportunity. Any third-party websites accessible through links, ads, or articles on this site operate under their own terms and policies, and My Savings Opportunity assumes no responsibility for their content or data practices. We recommend reviewing the applicable terms and privacy policies of any third-party sites before providing personal information.
How We Handle Your Information
My Savings Opportunity gathers personal information from users in accordance with our Privacy Policy, which is incorporated into these Terms by reference. The categories of data we may collect include names, email and postal addresses, phone numbers, IP addresses, device identifiers, and browsing or behavioral data. We may share such data with advertising partners, data brokers, and other third parties for purposes that include targeted advertising, lead generation, and analytics, as described in our Privacy Policy. We do not sell Sensitive Personal Information. Applicable state privacy laws provide users with rights to access, correct, delete, and opt out of data sales, sharing, and targeted advertising. To exercise these rights, please visit our Privacy Choices page or contact us as described below. We will respond within the timeframes required by applicable law.
Financial Data Limitations
Use of this website does not require you to provide financial account details. If you have concerns that financial account information was improperly collected or disclosed through My Savings Opportunity, please contact My Savings Opportunity immediately at the contact information listed below.
Copyright and Proprietary Rights
Copyright © 2026 My Savings Opportunity. All rights reserved. All intellectual property on this website, including content, trademarks, and other proprietary materials, is owned by My Savings Opportunity and protected by applicable copyright and trademark law. Reproduction or use without prior written consent is prohibited and may result in legal proceedings.
To report an infringement of your copyright, direct a written notice to [email protected] specifying: (1) the copyrighted work allegedly infringed; (2) the URL of the relevant content; (3) your contact details; and (4) your good-faith belief that the use is unauthorized.
Protection of Minors
This website is intended for general audiences and complies with the Children’s Online Privacy Protection Act (COPPA). My Savings Opportunity does not knowingly collect personal information from children under 13. If we learn such information has been collected, we will promptly delete it. This website is intended for users who are 18 years of age or older. Parents or guardians who believe a minor has submitted personal information through this website should contact us immediately.
Audience and Jurisdiction
This website is intended for use by visitors located in the United States. Users accessing this website from outside the United States do so at their own risk and are responsible for compliance with applicable local laws.
Prohibited Conduct
Prohibited uses of this website include but are not limited to: unauthorized commercial data collection, e-commerce activities, misrepresentation of identity or affiliation, interference with website security, posting harmful or unlawful content, use of automated scraping, crawling, or data extraction tools without written permission, any activity that violates CAN-SPAM, TCPA, CCPA/CPRA, FTC regulations, or other applicable law, or any use not expressly permitted by these Terms.
Termination
These Terms may be updated by My Savings Opportunity at any time. Material updates will be indicated by a change to the “Last Updated” date. Continued use of My Savings Opportunity following any update is treated as acceptance of the revised Terms. My Savings Opportunity reserves the right to suspend or terminate access for violations of these Terms and to pursue appropriate legal action.
Dispute Resolution
DISPUTES ARISING FROM OR RELATING TO THESE TERMS OR USE OF THIS WEBSITE MUST FIRST BE ADDRESSED THROUGH A 30-DAY INFORMAL GOOD-FAITH NEGOTIATION PERIOD. IF INFORMAL RESOLUTION FAILS, DISPUTES WILL BE SUBMITTED TO BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION, WITH THE EXCEPTION THAT EITHER PARTY MAY SEEK INJUNCTIVE OR EQUITABLE RELIEF IN A COURT OF COMPETENT JURISDICTION.
CLASS ACTION WAIVER: YOU WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS, TO THE EXTENT PERMITTED BY LAW.
Choice of Law and Jurisdiction
These Terms of Service are governed by and construed under the laws of Minnesota, without regard to conflict of law rules. No provision of these Terms shall be deemed to supersede, limit, or waive any rights you have under applicable state or federal privacy law.
Contact and Privacy Requests
If you have questions about these Terms of Service, please reach out to us by email at [email protected] or by mail at: 855 Village Center Dr, PMB-323, North Oaks, MN 55127. Users wishing to exercise their CCPA/CPRA or other state privacy rights by telephone may call: 833-465-0992.