Privacy Policy

Last updated: September 2026

1. Introduction

Budget Saving Bright ("we", "us", "our") is an independent financial services and advisory firm located at 56 Richardson Hwy, Valdez, AK 99686, USA. This Privacy Policy explains what personal information we collect through budgetsavingbright.com and through the services we provide, why we collect it, how we protect it and what choices you have.

By using our website or submitting any form on it, you confirm that you have read and understood this policy. If you do not agree with it, please do not submit personal information to us.

2. Information We Collect

Information you give us

• Identifying details such as your name, postal address, email address and telephone number.
• Enquiry details you type into our contact, quote, consultation, subscribe or unsubscribe forms.
• Financial information you choose to share during an advisory engagement, such as income, employment, existing debts, assets, insurance policies and tax information.
• Documentation required to progress an application, such as proof of identity, proof of address and bank statements.

Information collected automatically

• Device and browser type, operating system, screen size and language.
• IP address and approximate location derived from it.
• Pages viewed, links clicked, referring website and time spent on pages.

3. How We Use Your Information

We use your personal information to:

• Respond to enquiries, schedule consultations and provide the services you request.
• Assess eligibility and prepare loan, mortgage, investment, tax or insurance recommendations.
• Send newsletters and service updates where you have opted in.
• Process unsubscribe requests promptly and maintain a suppression record so we do not contact you again.
• Meet legal, regulatory, anti-money-laundering and record-keeping obligations.
• Improve our website, service quality and client experience.
• Detect and prevent fraud, misuse or security incidents.

We rely on your consent, the performance of a contract, our legal obligations and our legitimate business interests as the lawful bases for this processing.

4. Cookies and Similar Technologies

Our website uses cookies and similar technologies to keep the site working correctly, remember your preferences and understand how visitors use our pages in aggregate. Essential cookies are required for basic functionality; analytics cookies help us improve the site and can be blocked in your browser settings without affecting core features.

You can control or delete cookies at any time through your browser preferences. Disabling cookies may limit some interactive features, such as form auto-completion.

5. When We Share Information

We do not sell your personal information. We share it only in these circumstances:

• Service providers such as hosting, email delivery, CRM and document-storage vendors who act on our instructions under confidentiality agreements.
• Lenders, carriers and product providers when you ask us to arrange or compare a product and only to the extent needed to obtain a quote or process an application.
• Professional advisers including accountants, auditors and lawyers where necessary.
• Legal and regulatory bodies where required by law, court order or a valid regulatory request.
• A successor entity in the event of a merger, acquisition or sale of assets, subject to this policy continuing to apply.

6. Data Security

We protect your information with administrative, technical and physical safeguards, including encrypted transmission (TLS/SSL), encrypted storage, access controls, staff confidentiality training and periodic security reviews. Only employees and vendors who need your information to do their job can access it.

No method of transmission or storage is completely secure. While we work hard to protect your data, we cannot guarantee absolute security, and you share information with us at your own risk.

7. Your Privacy Rights

Depending on where you live, you may have the right to:

• Request a copy of the personal information we hold about you.
• Ask us to correct information that is inaccurate or incomplete.
• Ask us to delete information we no longer need, subject to legal retention requirements.
• Object to or restrict certain processing, including direct marketing.
• Withdraw consent at any time where processing is based on consent.
• Request data portability in a structured, machine-readable format.
• Lodge a complaint with your state or federal privacy regulator.

To exercise any of these rights, email contact@budgetsavingbright.com or write to us at the address above. We may need to verify your identity before acting on a request and will respond within the timeframe required by applicable law.

If you no longer wish to receive our newsletter, you can unsubscribe instantly on our unsubscribe page or by using the link in any email we send.

8. Data Retention

We keep personal information only as long as necessary for the purpose it was collected, plus any period required by financial-services, tax and anti-money-laundering rules — typically six years after the end of a client relationship. Marketing preferences and unsubscribe records are retained so we can honour your choices. When information is no longer needed it is securely deleted or anonymised.

9. Children and Minors

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

10. Third-Party Links

Our website may link to lender portals, carrier websites or informational resources operated by other organisations. We are not responsible for the privacy practices or content of those sites, and we encourage you to read their policies before submitting any personal information.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or the law. The revised version will be posted on this page with an updated date, and material changes will be communicated by email where appropriate. Continued use of our website after a change means you accept the updated policy.

12. Contact Us

For any privacy question, request or complaint, please contact:

• Budget Saving Bright — Privacy Team
• 56 Richardson Hwy, Valdez, AK 99686, USA
• Phone: +1 907-822-3259
• Email: contact@budgetsavingbright.com