The rules that apply when you use our website or engage Digital Budget Hub for financial services.
This policy is reviewed regularly. The current version is always the one published on this page.
Please read these terms carefully. They set out the basis on which we provide information and services through this website, and they include limitations of liability that affect your legal rights.
These Terms and Conditions govern your access to and use of this website and any services provided by Digital Budget Hub ("we", "us", "our"). By using this website, submitting a form or engaging our services, you agree to these terms in full. If you do not agree, please discontinue use of the website.
You confirm that you are at least 18 years old and legally capable of entering into a binding agreement.
We provide financial services including personal loans, credit loans, mortgage loans, wealth and investment planning, tax advisory and insurance services. We act as an intermediary and adviser: we do not act as a lender, insurer or investment fund manager in our own right.
All products are supplied by third-party providers and are subject to their own terms, eligibility criteria and underwriting decisions. Availability, rates and product features may change without notice.
Content published on this website — including blog articles, guides and service descriptions — is general information only. It does not take into account your personal objectives, financial situation or needs and must not be relied upon as personalised financial, tax, legal or investment advice.
A client relationship is created only when we issue a written engagement or you sign an application we have prepared. Before acting on any information here, book a consultation so that recommendations can be tailored to your circumstances.
When using our website or services you agree to:
We may decline or terminate an engagement where information supplied proves to be false, incomplete or misleading.
Any rate, repayment figure or estimate shown on this website or in an initial conversation is indicative only. Final terms are confirmed by the lender, insurer or provider in their formal offer once underwriting is complete.
Our fees are disclosed in writing before work begins. Where we are paid by a provider, we will tell you the amount and basis of that remuneration on request and in your recommendation document. There are no undisclosed charges.
Submitting an enquiry or application does not guarantee approval, and approval by one provider does not guarantee approval by another. Lenders and insurers may require identity verification, income confirmation, credit checks and supporting documents.
You are responsible for reviewing any offer and its disclosure documents before signing. Once signed, your rights and obligations are governed by the provider's agreement, including any cooling-off or cancellation rights it contains.
All content on this website, including text, layout, graphics, logos and the design system, is owned by or licensed to us and is protected by copyright and trademark law. You may view and print pages for personal, non-commercial use. Republishing, reselling or redistributing content without written permission is not permitted.
This website may link to third-party sites and embed third-party tools. We do not control those sites and are not responsible for their content, accuracy, security or privacy practices. Links are provided for convenience and do not constitute an endorsement.
To the maximum extent permitted by law, Digital Budget Hub is not liable for any indirect, incidental, special or consequential loss arising from your use of this website, from reliance on general information published here, or from the acts or omissions of any third-party provider.
Nothing in these terms excludes liability that cannot lawfully be excluded, including liability for fraud or for death or personal injury caused by negligence. Our total aggregate liability in connection with any engagement is limited to the fees paid by you to us for the service giving rise to the claim.
We aim to keep the website available and accurate, but we do not guarantee uninterrupted access or that every page is free from error or entirely up to date. We may modify, suspend or withdraw any part of the website at any time, and we may correct errors or omissions without notice.
You may stop using the website at any time. We may suspend or terminate access where these terms are breached, where required by law, or where continuing to provide a service would require us to act contrary to our regulatory obligations. Clauses concerning intellectual property, limitation of liability and governing law survive termination.
These terms are governed by the laws of the State of California, without regard to conflict-of-law principles. You agree to the exclusive jurisdiction of the state and federal courts located in El Dorado County, California.
Before commencing formal proceedings, please contact us so that we can attempt to resolve the matter directly. Most concerns are settled within ten business days.
We may update these terms from time to time. The current version is always published on this page with a revised effective date. Continued use of the website after changes take effect constitutes acceptance of the updated terms.
Questions about these terms can be directed to: