Privacy Policy

Last Updated: January 2025

1. Who We Are

Welcome to MerzTimes.com! We are dedicated to providing in-depth insights on business, technology, and education. Your trust is paramount to us. This Privacy Policy explains how we collect, use, store, protect, and share your information when you visit our website, subscribe to our newsletter, or interact with our services. By using our website, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1. Information You Provide Directly

When you interact with MerzTimes.com, you may provide information directly through:

Account Creation & Login: If you choose to create an account or log in, we collect your name, email address, and any other details you provide to verify your identity.

Comments and Feedback: When you leave a comment on an article or contact us, we may collect your name (if provided), email address, and the content of your message.

Newsletter Subscriptions: If you sign up for our newsletter, we collect your email address to keep you informed about our latest content.

2.2. Information Collected Automatically

We automatically collect certain technical and usage data, including:

Browsing Data: Information about pages visited, time spent on pages, IP address, browser type, device type, and referring URLs.

Cookies and Similar Technologies: We use cookies to enhance your experience and to analyze how you use our website. Most browsers allow you to manage cookie settings.

2.3. Third-Party and Affiliate Data

In addition to the information you provide or that is collected automatically, we may obtain data from:

Third-Party APIs and Content Providers: To deliver timely and accurate information, we integrate third-party services and APIs. These providers may collect data according to their privacy policies.

Advertising and Affiliate Networks: We display ads (including native ads) and participate in affiliate programs. These services may use cookies or other tracking technologies to deliver targeted content. Rest assured, all data gathered through such channels is used solely for improving user experience and ad relevance—and is never sold.

3. How We Use Your Information

We use your information to:

Personalize Your Experience: Analyze browsing data and content engagement to tailor recommendations and enhance your experience.

Improve Our Services: Understand user behavior to develop better content and site functionality.

Communicate with You: Send newsletters, updates, and responses to inquiries. You remain in full control of these communications and can unsubscribe at any time.

Support Third-Party Services: Integrate with trusted third-party APIs, affiliates, and ad networks to provide enriched content and relevant advertisements.

4. Third-Party Services & Data Sharing

4.1. Trusted Partners

We work with reputable third-party service providers, including:

APIs and Content Providers: For additional functionality and content delivery.

Advertising and Affiliate Networks: To display relevant ads and manage affiliate relationships.

4.2. Your Data Is Not Sold

We do not sell, rent, or trade your personal information to third parties. Any data shared with partners is solely to improve service quality, deliver targeted advertising based on consent, or for reporting purposes.

4.3. Legal and Regulatory Disclosures

We may be required by law to disclose certain information if requested by regulatory authorities or to protect our rights, safety, and property. Such disclosures are made in compliance with applicable laws around the world.

5. Data Protection & Security

We employ industry-standard administrative, technical, and physical measures to protect your information from unauthorized access, disclosure, alteration, or destruction. While we strive for the highest security standards, please understand that no method of transmission over the Internet or electronic storage is 100% secure. We recommend using strong passwords and safe browsing practices.

6. Data Retention & International Transfers

6.1. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Once the data is no longer needed, it is securely deleted or anonymized.

6.2. International Data Transfers

MerzTimes.com is accessed by users worldwide, and your data may be processed or stored in countries with data protection laws different from your own. We take appropriate safeguards—including standard contractual clauses and other legally approved measures—to ensure your data is protected in accordance with this Privacy Policy.

7. Your Rights and Control Over Your Information

We respect your rights regarding your personal data. You can:

Unsubscribe: Opt out of newsletters and marketing communications by clicking the “unsubscribe” link in our emails.

Manage Cookies: Configure your browser settings to manage or block cookies.

Access and Update Your Data: Contact us at support@merztimes.com to request access to, correction of, or deletion of your personal information.

Withdraw Consent: If you have given consent for specific data processing, you may withdraw your consent at any time (this will not affect the lawfulness of processing prior to withdrawal).

8. Legal Basis and Compliance

We process your data on the following legal bases:

Consent: Where you have provided clear consent (e.g., subscribing to our newsletter or creating an account).

Legitimate Interests: For the purpose of enhancing user experience, improving our website, and delivering personalized content.

Contractual Necessity: To provide you with the services and functionalities you request (e.g., account creation and login).

This Privacy Policy is designed to comply with global data protection regulations—including the EU General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and similar laws in other jurisdictions. We periodically review and update our practices to meet evolving legal requirements.

9. Changes and Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any updates will be posted on this page without any prior notice. we may change this privacy policy without any prior notice.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: support@merztimes.com

11. ClickBank Affiliate Data & Third-Party Tracking

MerzTimes.com participates in ClickBank affiliate marketing programs, which means we may display or promote ClickBank products on our website. To protect our users and comply with legal standards, we include the following disclaimers:

  • ClickBank Tracking & Cookies: When users click on ClickBank affiliate links, third-party tracking technologies, including cookies and pixels, may be used to track referrals, measure conversions, and improve ad targeting. ClickBank and its sellers manage this data independently according to their own privacy policies.
  • No Control Over ClickBank Data Collection: MerzTimes.com does not collect, store, or process any personal financial or transactional data related to ClickBank purchases. All sales, refunds, and disputes are handled by ClickBank directly. We encourage users to review ClickBank’s Privacy Policy and Terms of Service before making any purchases.
  • Affiliate Link Disclosure: Some links on our website redirect to third-party ClickBank product pages, where ClickBank may collect user data, purchase history, and personal details. We do not control how ClickBank manages this data.

12. No Liability for ClickBank Products & User Transactions

  • No Responsibility for ClickBank Product Claims: MerzTimes.com does not verify, review, or guarantee the accuracy of ClickBank product claims, earnings statements, or testimonials. Users should verify product quality, pricing, and terms directly with ClickBank and its vendors before purchasing.
  • No Financial or Transactional Liability: Any purchases made through ClickBank affiliate links are solely between the user and ClickBank or the product seller. MerzTimes.com is not liable for failed transactions, fraudulent activities, non-delivery of products, or unauthorized charges related to ClickBank purchases.
  • Refund & Support Requests: If users wish to request a refund or dispute a ClickBank transaction, they must contact ClickBank or the product seller directly. We do not provide refunds or process disputes on behalf of ClickBank or its affiliates.

13. Legal Compliance & Protection from Third-Party Risks

  • Compliance with Global Privacy Laws: MerzTimes.com adheres to GDPR, CCPA, and other international data protection laws, but we cannot ensure that third-party platforms (such as ClickBank) comply with the same standards. Users engaging with third-party sites should review their privacy policies independently.
  • No Guarantee of Data Security on Third-Party Sites: While we protect user data on MerzTimes.com, once users leave our site and visit ClickBank or any other affiliate platform, their data is subject to third-party privacy policies and security measures beyond our control.
  • Third-Party API Risks: We integrate ClickBank APIs and third-party ad networks to display products and promotions. These integrations may involve data tracking and automated decision-making, which are governed by third-party policies, not MerzTimes.com.

14. AI-Generated Content & Data Accuracy Disclaimer

  • Some ClickBank affiliate product descriptions, reviews, and promotions on MerzTimes.com may be generated or supplemented using AI-powered tools. While we strive to ensure accuracy, AI-generated content may contain errors, outdated details, or incomplete information.
  • Users are responsible for verifying product details, pricing, availability, and terms directly on ClickBank before making a purchase.

15. No Endorsement of ClickBank Vendors or Advertisers

  • MerzTimes.com displays ClickBank affiliate products based on algorithms, trending offers, and API integrations. The presence of a product or service on our website does not imply an endorsement, recommendation, or guarantee of its quality, effectiveness, or legitimacy.
  • ClickBank sellers operate independently and may update product details, pricing, refund policies, and marketing claims without prior notice. We encourage users to read independent reviews before purchasing.

16. Third-Party Payment Processors & Transactions

  • All transactions for ClickBank affiliate products are processed through ClickBank’s secure payment system, not MerzTimes.com.
  • We do not collect, store, or have access to users’ payment details, credit card numbers, or personal financial data.
  • If you suspect fraudulent transactions or unauthorized charges, you should immediately contact ClickBank support or your payment provider.

17. International Users & Legal Compliance

  • ClickBank operates in multiple countries, and its refund policies, pricing, and product availability may vary based on regional laws and regulations.
  • Users outside the U.S., UK, Canada, EU, and India should verify whether ClickBank’s products comply with local consumer protection laws, financial regulations, and tax obligations.

18. Limited Liability for Digital & Downloadable Products

  • Many ClickBank products include digital downloads, software, courses, and online memberships.
  • We do not guarantee the functionality, accessibility, or long-term availability of any digital product. If a purchased product becomes unavailable, outdated, or non-functional, please contact ClickBank or the seller for assistance.

19. Data Protection & User Control for ClickBank Cookies

  • ClickBank and its partners may use cookies, tracking pixels, and analytics tools when users click on an affiliate link.
  • Users can manage, disable, or delete cookies through their browser settings or use ad blockers to restrict third-party tracking.
  • Opting out of tracking may affect the accuracy of affiliate attributions, which could impact refunds, commissions, and user experience.

20. No Control Over Third-Party Affiliate Products & External Sites

✅ Clarify that MerzTimes is NOT responsible for third-party claims

  • MerzTimes does not control, own, or manufacture any affiliate products, including those sold via ClickBank or other third-party platforms.
  • Product details, pricing, testimonials, and claims are controlled solely by the product vendor.
  • Users must review third-party policies independently before purchasing.

✅ External Links Disclaimer

  • Our website may include external links to ClickBank product pages, promotional materials, or third-party websites.
  • Clicking these links will redirect users to external sites that are not operated or controlled by MerzTimes.
  • We do not assume liability for third-party website security, privacy policies, data practices, or misleading product claims.

21. Financial & Legal Disclaimer for ClickBank Promotions

✅ No Financial Guarantees

  • Any income, sales, or financial results mentioned in ClickBank promotions are not guaranteed.
  • Earnings depend on individual effort, market conditions, and other external factors.

✅ No Medical or Health Guarantees

  • MerzTimes does not provide medical, fitness, or health advice.
  • Any health-related claims made by ClickBank sellers should be verified with a licensed healthcare professional.

🚨 Affiliate Disclaimer Update

  • MerzTimes may earn a commission when users purchase through affiliate links, but we do not endorse, guarantee, or verify the effectiveness of third-party products.
  • Users assume full responsibility for any purchases made via ClickBank.

22. Liability Waiver for User Decisions

🚨 Legal Protection Clause

  • Users agree that MerzTimes, its owners, employees, or affiliates are NOT responsible for:
    • Financial losses related to affiliate product purchases.
    • Health issues resulting from the use of any ClickBank product.
    • Technical failures or misleading claims made by third-party vendors.
  • Users must consult professionals (financial advisors, doctors, legal experts) before making any decisions based on the content provided on MerzTimes.

23. Advertising & Marketing Compliance (FTC, CAN-SPAM, GDPR, etc.)

🚨 Email Marketing Compliance

  • By subscribing to our email list, users agree to receive promotional content, updates, and affiliate offers.
  • We do not send spam, and all emails include an unsubscribe link.

🚨 No Misleading Advertising

  • MerzTimes complies with FTC advertising regulations and will not promote false or exaggerated claims.
  • Users are encouraged to independently verify product claims before making a purchase.

🚨 GDPR Compliance for EU Visitors

  • EU visitors have the right to request data access, corrections, or deletion under GDPR.
  • Users can request data removal by contacting support@merztimes.com.

24. Security & Fraud Prevention Measures

🚨 Data Security Notice

  • MerzTimes does not store payment details, credit card information, or financial data.
  • All transactions occur via ClickBank’s secure payment system.

🚨 Fraudulent Transactions Disclaimer

  • We do not process refunds or chargebacks for affiliate purchases.
  • If users suspect fraud, they must contact ClickBank or their bank directly.

For Support: support@merztimes.com

Read the Terms and Conditions