Disclosure, Disclaimer, & Privacy Policies

Steps to Debt freedom is a personal finance blog written and edited by David Small. I am NOT a professional Financial Advisor. The opinions and views expressed here are based on self-education, experience, and the best teacher of them all — my very own mistakes.

As required by FTC regulations, please note that I have a financial relationship with many of the companies mentioned on this site. I occasionally review products or services that I have been given access to for free. However, I do not accept compensation in any form in exchange for positive reviews and the reviews found on this site represent my personal opinion.


I AM NOT a professional and do not claim to be an expert in anything other than my own experience. Please seek a professional for any advice or guidance you may need related to your individual situation. I do try to provide my readers with motivation and will suggest ideas that worked for me, which could help you and your situation. Please be advised: Use my advice and opinions about money at your own discretion. Steps to Debt freedom is not responsible for the decisions you make, all or in part, based on what you have read on  Steps to Debt freedom .

It’s also important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog.

The owner of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.


Steps to Debt freedom, the privacy of our visitors is extremely important to us. This privacy policy document outlines the types of personal information is received and collected by steps to Debt Freedom and how it is used.

Log Files

Like many other Web sites, Steps to Debt freedom makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons

Steps to Debt Freedom does use cookies to store information about 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.

DoubleClick DART Cookie

* Google, as a third party vendor, uses cookies to serve ads on your site.

* Google’s use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet.

* Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL –

Some of our advertising partners may use cookies and web beacons on our site. Third-party ad servers or ad networks use technology to the advertisements and links that appear on Steps to Debt 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.

Steps to  Debt Freedom 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. Steps to Debt Freedom’s privacy policy 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. Contact us via contact page or Hope Well, Christ Church, Barbados, West Indies for futhur information.

Leave a Comment