SCB Media Group — Website Policies
Effective Date: November 4, 2025
Last Updated: November 8, 2025
Website: https://scbmoney.com
Owned and Operated by: SCB Media Group
Contact: [email protected]
Author and Publisher: Seth Broersma
1. Privacy Policy
Introduction
SCB Media Group (“we,” “us,” or “our”) operates the website scbmoney.com (“the Site”). This Privacy Policy outlines how we collect, use, disclose, and safeguard personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian laws. By using this Site, you consent to the terms of this Privacy Policy.
Information We Collect
We may collect both personal and non-personal information, including:
Personal Information: name, email address, or other details provided when you comment, contact us, or interact with forms.
Technical and Usage Data: browser type, IP address, device information, and behavior patterns on our Site.
Cookies and Tracking Data: collected through analytics and website plugins for performance and personalization.
Third-Party Services and Tools
We use several third-party tools that collect or process information in accordance with their own policies:
Site Kit by Google: provides analytics and insights into website traffic, engagement, and demographics.
Google reCAPTCHA v3: used for security to identify spam and protect forms.
Wordfence Security: monitors and protects against potential threats, intrusions, and unauthorized activity.
Rank Math: assists with SEO optimization; it does not directly collect or sell user data.
Bluehost: our hosting provider, which maintains server logs and technical data for security and uptime monitoring.
Viator Affiliate Program: we participate in the Viator affiliate program, which may use cookies and tracking technologies to monitor referrals and attribute commissions when users click through our affiliate links and make purchases.
Amazon Associates Program: we are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com and other Amazon marketplaces. Amazon may use cookies and tracking technologies to monitor referrals and attribute commissions.
We do not control how third-party services collect, use, or process data. We encourage users to review the privacy policies of these providers directly.
How We Use Information
We use the information collected to:
Operate, maintain, and improve the Site
Respond to comments, inquiries, and feedback
Monitor security and prevent unauthorized access
Analyze traffic trends and content performance
Track affiliate referrals and measure the effectiveness of our partnerships
Send occasional email communications (with opt-out options provided)
Ensure compliance with applicable laws and regulations
We do not sell or rent personal information to third parties.
Data Retention and Security
Information is retained only as long as necessary to fulfill the purposes outlined above. We implement reasonable technical and organizational measures, including firewalls and encryption through Bluehost and Wordfence, to safeguard data. However, no online transmission is entirely secure, and users assume associated risks.
User Rights
Under Canadian privacy law, you have the right to:
Access and review personal information we hold about you
Request correction or deletion of personal data
Withdraw consent to data collection, where applicable
Requests can be submitted to [email protected].
International Transfers
Your data may be processed and stored outside of Canada, including in the United States, where data protection laws may differ.
Policy Updates
We may update this Privacy Policy periodically. Continued use of the Site after updates signifies acceptance of any revised terms.
2. Cookie Policy
Use of Cookies
Our Site uses cookies and similar technologies to improve user experience, analyze website performance, and support security functions. Cookies are small files stored on your device that help recognize your browser and remember certain information.
Types of Cookies Used
Essential Cookies: required for website functionality and security (e.g., Wordfence).
Analytics Cookies: provided by tools such as Site Kit by Google, helping us understand site traffic and usage trends.
Performance Cookies: help us enhance loading times and responsiveness.
Affiliate and Advertising Cookies: track when users click on affiliate links or view advertisements to measure effectiveness and commission eligibility. This includes cookies from the Viator affiliate program that track travel bookings and tour purchases made through our referral links, as well as cookies from Amazon Associates that track product purchases and referrals.
Managing Cookies
You can disable cookies in your browser settings, but doing so may affect how certain parts of the Site function. Continued use of the Site constitutes consent to our use of cookies as outlined here.
3. Terms and Conditions
Acceptance of Terms
By accessing or using scbmoney.com, you agree to comply with these Terms and Conditions. If you do not agree, please discontinue use immediately.
Age Restrictions
This Site is intended for users who are at least 18 years of age or the age of majority in their jurisdiction. By using this Site, you represent and warrant that you meet these age requirements. We do not knowingly collect personal information from individuals under the applicable age of majority.
Intellectual Property
All text, images, videos, graphics, and other materials on this Site are the property of SCB Media Group and protected under copyright law. You may not reproduce, redistribute, or republish any materials without written permission.
DMCA and Copyright Infringement
If you believe that content on this Site infringes your copyright, please contact us at [email protected] with the following information:
Identification of the copyrighted work claimed to have been infringed
Identification of the material that is claimed to be infringing and its location on the Site
Your contact information (name, address, telephone number, and email address)
A statement that you have a good faith belief that the use is not authorized by the copyright owner
A statement, under penalty of perjury, that the information provided is accurate and that you are authorized to act on behalf of the copyright owner
We will respond to valid DMCA notices in accordance with Canadian and international copyright law.
User Responsibilities
Users agree not to:
Post unlawful, defamatory, or harmful content
Upload malware, spam, or unauthorized advertising
Interfere with the Site’s security or functionality
Misrepresent themselves or impersonate others
Users are solely responsible for the content they post and may be held liable for defamatory, illegal, or harmful statements.
External Links Disclaimer
This Site may contain links to third-party websites, including affiliate partners and other external resources. SCB Media Group is not responsible for the content, accuracy, privacy practices, or policies of any third-party websites. Accessing external links is done at your own risk, and we encourage you to review the terms and privacy policies of any site you visit.
Termination of Access
SCB Media Group reserves the right to suspend or terminate access to the Site for any user who violates these Terms and Conditions, engages in harmful behavior, or misuses the Site in any way. Termination may occur without prior notice.
Accuracy of Information
While we strive for accuracy, we make no guarantees regarding the completeness, reliability, or timeliness of the information provided. SCB Media Group reserves the right to update or remove content at any time without notice.
Limitation of Liability
SCB Media Group and its representatives shall not be held liable for any loss, damage, or consequence resulting from use of this Site or reliance on its content. Use of this Site is at your own risk.
Dispute Resolution
Any disputes arising from the use of this Site or these Terms and Conditions shall first be addressed through good faith negotiation. If resolution cannot be reached, disputes shall be subject to binding arbitration in Ontario, Canada, in accordance with the applicable arbitration rules. Users waive any right to participate in class action lawsuits related to this Site.
Governing Law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes shall be resolved in Ontario.
4. Affiliate and Advertising Policy
Affiliate Disclosure
scbmoney.com contains affiliate links to products and services. This means we may receive a commission if you purchase through these links, at no additional cost to you. Our participation in affiliate programs helps support the continued operation of this Site.
Viator Affiliate Partnership
We are a participant in the Viator affiliate program. When you click on Viator links on our Site and make a booking for tours, activities, or travel experiences, we may earn a commission. These commissions help support our content creation and website operations. The price you pay remains the same whether you use our affiliate links or go directly to Viator.
Amazon Associates Partnership
We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. When you click on Amazon links on our Site and make a purchase, we may earn a commission at no additional cost to you. These commissions help support our content creation and website operations.
Warranty Disclaimer for Affiliate Products and Services
SCB Media Group makes no warranties or guarantees regarding products, services, or travel experiences purchased through affiliate links, including Viator bookings and Amazon products. All purchases are subject to the terms, conditions, and policies of the respective third-party providers. We are not responsible for the quality, availability, cancellation policies, or fulfillment of any affiliate products or services. Any disputes or issues with purchases should be directed to the respective vendor or service provider.
Advertising
From time to time, the Site may display paid advertisements, sponsored content, or promotional material. All such content will be clearly identified as advertising or sponsorship.
Objectivity
Affiliate relationships do not influence our editorial content. All opinions expressed are those of the author, based on personal experience and research. Our recommendations for travel experiences, tours, activities, products, or services through Viator, Amazon, or any other affiliate partner are based on genuine assessment and are not influenced solely by commission rates.
Compliance
This Site adheres to Canadian Competition Bureau guidelines and U.S. Federal Trade Commission (FTC) regulations for affiliate and advertising disclosures.
5. Data Policy
Data Collection
We collect information through user interactions, analytics tools, cookies, and server logs. Data may include:
IP address, browser type, device type, and location data
Referring website and browsing behavior
Comment or contact form submissions
Affiliate link clicks and referral data for commission tracking
Email addresses provided for correspondence or newsletter subscriptions
Purpose of Data Collection
Data is collected to improve website functionality, security, and user experience, as well as to measure and analyze performance metrics through Site Kit by Google. Additionally, data related to affiliate link clicks helps us track referrals and measure the effectiveness of our affiliate partnerships, including our Viator and Amazon Associates affiliate relationships.
Storage and Processing
Data is stored securely through our hosting provider, Bluehost, and protected using Wordfence Security. Access is restricted to authorized personnel only.
Data Sharing
We do not sell or trade user data. Information may be shared with third-party services strictly for operational purposes (e.g., analytics, hosting, spam prevention, and affiliate tracking).
Data Breach Procedures
In the unlikely event of a data breach, we will promptly investigate, notify affected users if necessary, and take corrective actions to prevent recurrence.
6. Email Communications Policy
Collection of Email Addresses
We may collect email addresses when users:
Submit comments or contact forms
Subscribe to newsletters or updates
Request information or support
Use of Email Communications
Email addresses may be used to:
Respond to inquiries and provide customer support
Send occasional newsletters, updates, or promotional content related to the Site
Notify users of important changes to policies or Site functionality
Opt-Out and Unsubscribe
All promotional emails will include a clear and easy-to-use unsubscribe link. Users may opt out of marketing communications at any time by clicking the unsubscribe link or contacting us directly at [email protected]. Opting out will not affect transactional emails related to direct inquiries or essential Site communications.
Email Data Security
Email addresses are stored securely and are not shared with third parties for marketing purposes without explicit consent.
7. Comment Policy
General Guidelines
We value open discussion and a respectful exchange of ideas. To maintain a safe and constructive environment, all comments are manually reviewed before appearing publicly.
Rules of Conduct
Comments containing hate speech, harassment, or spam will be deleted.
Promotional or irrelevant links are not permitted.
Personal attacks, discriminatory remarks, or vulgar language will not be tolerated.
SCB Media Group reserves the right to moderate, edit, or remove any comment without notice.
User Liability for Comments
By submitting a comment, you acknowledge that you are solely responsible for the content you post. You may be held personally liable for any defamatory, illegal, or harmful statements made in your comments. SCB Media Group is not responsible for user-generated content and will cooperate with legal authorities if required.
Ownership of Comments
By submitting a comment, you grant SCB Media Group a non-exclusive, royalty-free license to display and distribute your comment as part of the Site.
Privacy in Comments
Personal data submitted in comments may be displayed publicly or shared outside moderation purposes.
8. Contact Information
For questions or concerns regarding these policies, please contact:
Seth Broersma
Owner, SCB Media Group
Email: [email protected]
Effective Date: November 4, 2025
Last Updated: November 8, 2025
Website: https://scbmoney.com
Owned and Operated by: SCB Media Group
Contact: [email protected]
Author and Publisher: Seth Broersma
1. Privacy Policy
Introduction
SCB Media Group (“we,” “us,” or “our”) operates the website scbmoney.com (“the Site”). This Privacy Policy outlines how we collect, use, disclose, and safeguard personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian laws. By using this Site, you consent to the terms of this Privacy Policy.
Information We Collect
We may collect both personal and non-personal information, including:
- Personal Information: name, email address, or other details provided when you comment, contact us, or interact with forms.
- Technical and Usage Data: browser type, IP address, device information, and behavior patterns on our Site.
- Cookies and Tracking Data: collected through analytics and website plugins for performance and personalization.
Third-Party Services and Tools
We use several third-party tools that collect or process information in accordance with their own policies:
- Site Kit by Google: provides analytics and insights into website traffic, engagement, and demographics.
- Google reCAPTCHA v3: used for security to identify spam and protect forms.
- Wordfence Security: monitors and protects against potential threats, intrusions, and unauthorized activity.
- Rank Math: assists with SEO optimization; it does not directly collect or sell user data.
- Bluehost: our hosting provider, which maintains server logs and technical data for security and uptime monitoring.
- Viator Affiliate Program: we participate in the Viator affiliate program, which may use cookies and tracking technologies to monitor referrals and attribute commissions when users click through our affiliate links and make purchases.
We do not control how third-party services collect, use, or process data. We encourage users to review the privacy policies of these providers directly.
How We Use Information
We use the information collected to:
- Operate, maintain, and improve the Site
- Respond to comments, inquiries, and feedback
- Monitor security and prevent unauthorized access
- Analyze traffic trends and content performance
- Track affiliate referrals and measure the effectiveness of our partnerships
- Send occasional email communications (with opt-out options provided)
- Ensure compliance with applicable laws and regulations
We do not sell or rent personal information to third parties.
Data Retention and Security
Information is retained only as long as necessary to fulfill the purposes outlined above. We implement reasonable technical and organizational measures, including firewalls and encryption through Bluehost and Wordfence, to safeguard data. However, no online transmission is entirely secure, and users assume associated risks.
User Rights
Under Canadian privacy law, you have the right to:
- Access and review personal information we hold about you
- Request correction or deletion of personal data
- Withdraw consent to data collection, where applicable
Requests can be submitted to [email protected].
International Transfers
Your data may be processed and stored outside of Canada, including in the United States, where data protection laws may differ.
Policy Updates
We may update this Privacy Policy periodically. Continued use of the Site after updates signifies acceptance of any revised terms.
2. Cookie Policy
Use of Cookies
Our Site uses cookies and similar technologies to improve user experience, analyze website performance, and support security functions. Cookies are small files stored on your device that help recognize your browser and remember certain information.
Types of Cookies Used
- Essential Cookies: required for website functionality and security (e.g., Wordfence).
- Analytics Cookies: provided by tools such as Site Kit by Google, helping us understand site traffic and usage trends.
- Performance Cookies: help us enhance loading times and responsiveness.
- Affiliate and Advertising Cookies: track when users click on affiliate links or view advertisements to measure effectiveness and commission eligibility. This includes cookies from the Viator affiliate program that track travel bookings and tour purchases made through our referral links.
Managing Cookies
You can disable cookies in your browser settings, but doing so may affect how certain parts of the Site function. Continued use of the Site constitutes consent to our use of cookies as outlined here.
3. Terms and Conditions
Acceptance of Terms
By accessing or using scbmoney.com, you agree to comply with these Terms and Conditions. If you do not agree, please discontinue use immediately.
Age Restrictions
This Site is intended for users who are at least 18 years of age or the age of majority in their jurisdiction. By using this Site, you represent and warrant that you meet these age requirements. We do not knowingly collect personal information from individuals under the applicable age of majority.
Intellectual Property
All text, images, videos, graphics, and other materials on this Site are the property of SCB Media Group and protected under copyright law. You may not reproduce, redistribute, or republish any materials without written permission.
DMCA and Copyright Infringement
If you believe that content on this Site infringes your copyright, please contact us at [email protected] with the following information:
- Identification of the copyrighted work claimed to have been infringed
- Identification of the material that is claimed to be infringing and its location on the Site
- Your contact information (name, address, telephone number, and email address)
- A statement that you have a good faith belief that the use is not authorized by the copyright owner
- A statement, under penalty of perjury, that the information provided is accurate and that you are authorized to act on behalf of the copyright owner
We will respond to valid DMCA notices in accordance with Canadian and international copyright law.
User Responsibilities
Users agree not to:
- Post unlawful, defamatory, or harmful content
- Upload malware, spam, or unauthorized advertising
- Interfere with the Site’s security or functionality
- Misrepresent themselves or impersonate others
Users are solely responsible for the content they post and may be held liable for defamatory, illegal, or harmful statements.
External Links Disclaimer
This Site may contain links to third-party websites, including affiliate partners and other external resources. SCB Media Group is not responsible for the content, accuracy, privacy practices, or policies of any third-party websites. Accessing external links is done at your own risk, and we encourage you to review the terms and privacy policies of any site you visit.
Termination of Access
SCB Media Group reserves the right to suspend or terminate access to the Site for any user who violates these Terms and Conditions, engages in harmful behavior, or misuses the Site in any way. Termination may occur without prior notice.
Accuracy of Information
While we strive for accuracy, we make no guarantees regarding the completeness, reliability, or timeliness of the information provided. SCB Media Group reserves the right to update or remove content at any time without notice.
Limitation of Liability
SCB Media Group and its representatives shall not be held liable for any loss, damage, or consequence resulting from use of this Site or reliance on its content. Use of this Site is at your own risk.
Dispute Resolution
Any disputes arising from the use of this Site or these Terms and Conditions shall first be addressed through good faith negotiation. If resolution cannot be reached, disputes shall be subject to binding arbitration in Ontario, Canada, in accordance with the applicable arbitration rules. Users waive any right to participate in class action lawsuits related to this Site.
Governing Law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes shall be resolved in Ontario.
4. Affiliate and Advertising Policy
Affiliate Disclosure
scbmoney.com contains affiliate links to products and services. This means we may receive a commission if you purchase through these links, at no additional cost to you. Our participation in affiliate programs helps support the continued operation of this Site.
Viator Affiliate Partnership
We are a participant in the Viator affiliate program. When you click on Viator links on our Site and make a booking for tours, activities, or travel experiences, we may earn a commission. These commissions help support our content creation and website operations. The price you pay remains the same whether you use our affiliate links or go directly to Viator.
Warranty Disclaimer for Affiliate Products and Services
SCB Media Group makes no warranties or guarantees regarding products, services, or travel experiences purchased through affiliate links, including Viator bookings. All purchases are subject to the terms, conditions, and policies of the respective third-party providers. We are not responsible for the quality, availability, cancellation policies, or fulfillment of any affiliate products or services. Any disputes or issues with purchases should be directed to the respective vendor or service provider.
Advertising
From time to time, the Site may display paid advertisements, sponsored content, or promotional material. All such content will be clearly identified as advertising or sponsorship.
Objectivity
Affiliate relationships do not influence our editorial content. All opinions expressed are those of the author, based on personal experience and research. Our recommendations for travel experiences, tours, and activities through Viator or any other affiliate partner are based on genuine assessment and are not influenced solely by commission rates.
Compliance
This Site adheres to Canadian Competition Bureau guidelines and U.S. Federal Trade Commission (FTC) regulations for affiliate and advertising disclosures.
5. Data Policy
Data Collection
We collect information through user interactions, analytics tools, cookies, and server logs. Data may include:
- IP address, browser type, device type, and location data
- Referring website and browsing behavior
- Comment or contact form submissions
- Affiliate link clicks and referral data for commission tracking
- Email addresses provided for correspondence or newsletter subscriptions
Purpose of Data Collection
Data is collected to improve website functionality, security, and user experience, as well as to measure and analyze performance metrics through Site Kit by Google. Additionally, data related to affiliate link clicks helps us track referrals and measure the effectiveness of our affiliate partnerships, including our Viator affiliate relationship.
Storage and Processing
Data is stored securely through our hosting provider, Bluehost, and protected using Wordfence Security. Access is restricted to authorized personnel only.
Data Sharing
We do not sell or trade user data. Information may be shared with third-party services strictly for operational purposes (e.g., analytics, hosting, spam prevention, and affiliate tracking).
Data Breach Procedures
In the unlikely event of a data breach, we will promptly investigate, notify affected users if necessary, and take corrective actions to prevent recurrence.
6. Email Communications Policy
Collection of Email Addresses
We may collect email addresses when users:
- Submit comments or contact forms
- Subscribe to newsletters or updates
- Request information or support
Use of Email Communications
Email addresses may be used to:
- Respond to inquiries and provide customer support
- Send occasional newsletters, updates, or promotional content related to the Site
- Notify users of important changes to policies or Site functionality
Opt-Out and Unsubscribe
All promotional emails will include a clear and easy-to-use unsubscribe link. Users may opt out of marketing communications at any time by clicking the unsubscribe link or contacting us directly at [email protected]. Opting out will not affect transactional emails related to direct inquiries or essential Site communications.
Email Data Security
Email addresses are stored securely and are not shared with third parties for marketing purposes without explicit consent.
7. Comment Policy
General Guidelines
We value open discussion and a respectful exchange of ideas. To maintain a safe and constructive environment, all comments are manually reviewed before appearing publicly.
Rules of Conduct
- Comments containing hate speech, harassment, or spam will be deleted.
- Promotional or irrelevant links are not permitted.
- Personal attacks, discriminatory remarks, or vulgar language will not be tolerated.
- SCB Media Group reserves the right to moderate, edit, or remove any comment without notice.
User Liability for Comments
By submitting a comment, you acknowledge that you are solely responsible for the content you post. You may be held personally liable for any defamatory, illegal, or harmful statements made in your comments. SCB Media Group is not responsible for user-generated content and will cooperate with legal authorities if required.
Ownership of Comments
By submitting a comment, you grant SCB Media Group a non-exclusive, royalty-free license to display and distribute your comment as part of the Site.
Privacy in Comments
Personal data submitted in comments may be displayed publicly or shared outside moderation purposes.
8. Contact Information
For questions or concerns regarding these policies, please contact:
Seth Broersma
Owner, SCB Media Group
Email: [email protected]