Privacy Policy

This policy is reviewed regularly. The current version is always the one published on this page.

Digital Budget Hub ("we", "us", "our") respects your privacy. This policy explains what information we collect, why we collect it, how we keep it safe, and the choices you have. It applies to this website and to the financial services we provide from our office in Placerville, California.

1. Information We Collect

We collect information that you provide directly, information generated when you use this website, and information received from third parties such as lenders, insurers and credit bureaus where you have authorised us to do so.

• Information you give us: name, postal address, email address, telephone number, date of birth, employment and income details, financial objectives, existing liabilities, and any documents you upload such as payslips, bank statements or tax returns.
• Information collected automatically: IP address, browser type and version, device type, referring URL, pages visited, time spent on pages, and cookie identifiers.
• Information from third parties: credit reports and scores, identity verification results, underwriting decisions, and product eligibility information from our lending and insurance partners.

Sensitive information such as Social Security numbers is collected only where it is strictly necessary to complete an application, and it is transmitted over an encrypted connection.

2. How We Use Your Information

We use personal information to deliver and improve the services you request. Specifically, we use it to:

• Respond to enquiries and arrange consultations;
• Assess eligibility and prepare recommendations for loans, mortgages, investments, tax and insurance;
• Submit applications to lenders and carriers on your instruction;
• Verify your identity and meet anti-money-laundering and know-your-customer obligations;
• Send service messages, statements and, where you have opted in, our newsletter;
• Maintain records, resolve complaints and comply with legal, tax and regulatory requirements;
• Analyse website usage in aggregate so that we can improve content and navigation.

We do not sell your personal information. We do not use your data to make automated decisions that produce legal or similarly significant effects without human review.

3. Legal Basis and Consent

Where we rely on consent — for example to send marketing emails or to obtain a credit report — you may withdraw that consent at any time. Withdrawal does not affect the lawfulness of processing carried out before the withdrawal, and it does not affect processing carried out on another lawful basis, such as performing a contract with you or complying with a legal obligation.

You can withdraw marketing consent by using the unsubscribe form on our newsletter page, by clicking the unsubscribe link in any email, or by writing to info@digitalbudgethub.com.

4. When We Share Information

We share information only as far as necessary to deliver the service you have asked for:

• Lenders, insurers and product providers — to obtain quotes, submit applications and manage policies you have chosen;
• Credit reference and fraud prevention agencies — to verify identity and assess applications;
• Service providers — hosting, email delivery, document storage and analytics providers acting under written confidentiality obligations;
• Professional advisers and regulators — auditors, legal counsel and regulators where the law requires disclosure;
• Successors — in the event of a merger, acquisition or sale of assets, subject to equivalent privacy protections.

We never share your information with unaffiliated third parties for their own marketing purposes.

5. Cookies and Similar Technologies

This website uses cookies and similar technologies to keep the site working, to remember your preferences and to understand how visitors use our pages. Essential cookies are required for core functionality; analytics cookies help us improve the site; marketing cookies are used only where you have consented.

You can control cookies through your browser settings. Blocking all cookies may affect the functionality of forms and navigation. We honour recognised opt-out preference signals where technically feasible.

6. Data Retention

We keep personal information for as long as your relationship with us is active and for a further period afterwards where required by law — typically seven years for financial records, tax filings and transaction evidence. When data is no longer needed, it is securely deleted or irreversibly anonymised.

Newsletter subscriber records are retained until you unsubscribe, after which a minimal suppression record is kept so that we do not contact you again in error.

7. How We Protect Your Data

We use administrative, technical and physical safeguards designed to protect your information, including TLS encryption in transit, encryption at rest for stored documents, role-based access controls, multi-factor authentication for staff accounts, and regular security reviews of our vendors.

No method of transmission or storage is completely secure. If a breach affecting your personal information occurs, we will notify you and the relevant authorities as required by applicable law.

8. Your Privacy Rights

Depending on where you live, including under the California Consumer Privacy Act as amended, you may have the right to:

• Know what personal information we hold about you and request a copy;
• Request correction of inaccurate information;
• Request deletion, subject to legal retention obligations;
• Opt out of the sale or sharing of personal information — we do not sell personal information;
• Limit the use of sensitive personal information;
• Not be discriminated against for exercising your rights.

To make a request, email info@digitalbudgethub.com or write to us at 951 Cottage St, Placerville, CA 95667. We will verify your identity and respond within 45 days, or sooner where required.

9. Children's Privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from children. If you believe a child has provided information to us, contact us and we will delete it promptly.

10. Changes to This Policy

We may update this policy to reflect changes in our practices or the law. The revised version will be published on this page with a new effective date. Material changes affecting how we use your information will be communicated by email to subscribers or by a prominent notice on the website.

11. How to Contact Us

Questions about this policy or your data can be sent to our privacy team:

• Email: info@digitalbudgethub.com
• Phone: +1 530-558-0882
• Post: Digital Budget Hub, 951 Cottage St, Placerville, CA 95667, USA