Privacy Policy

Last Updated: May 1, 2024

This Privacy Policy describes how CreditUnionAdvisor ("we", "our", or "us") collects, uses, and shares your information when you use our website at https://budgetscureview.com (the "Site") and our services.

1. Information We Collect

1.1 Information You Provide to Us

We collect information you provide directly to us when you:

• Create an account or profile
• Fill out forms or surveys on our Site
• Subscribe to newsletters or updates
• Contact us via email, phone, or other methods
• Use our calculators or comparison tools
• Submit requests for personalized recommendations
• Participate in polls, contests, or promotions

This information may include:

• Contact information (name, email address, phone number)
• Demographic information (location, age, family status)
• Financial information (income, savings, debt amounts, financial goals)
• Information about your financial preferences and needs

1.2 Information We Collect Automatically

When you visit our Site, we may automatically collect certain information about your device and usage, including:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, links clicked)
• Referral source (how you found our Site)
• Location information (based on IP address)

1.3 Cookies and Similar Technologies

We and our third-party service providers may use cookies, web beacons, pixel tags, and similar technologies to collect information about your browsing activities and to distinguish you from other users of our Site. For more information about our use of these technologies, please see our Cookie Policy below.

2. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, maintain, and improve our services
• Process and complete transactions
• Send you technical notices, updates, and administrative messages
• Respond to your comments, questions, and requests
• Communicate with you about products, services, offers, and events
• Provide personalized credit union recommendations based on your information
• Monitor and analyze trends, usage, and activities
• Detect, prevent, and address technical issues
• Comply with legal obligations

3. How We Share Your Information

We may share information about you as follows:

• With Service Providers: We may share your information with third-party vendors, consultants, and other service providers who need access to such information to carry out work on our behalf.
• With Credit Unions (With Your Consent): When you request specific information or apply for services through our Site, we may share your information with relevant credit unions, but only with your explicit consent.
• For Legal Reasons: We may disclose your information if we believe that such action is necessary to (a) comply with the law or legal process; (b) protect and defend our rights and property; (c) protect against misuse or unauthorized use of our Site; or (d) protect the personal safety or property of our users or the public.
• Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
• Aggregated or De-identified Information: We may share aggregated or de-identified information, which cannot reasonably be used to identify you.

4. Your Choices

4.1 Account Information

You may update, correct, or delete your account information at any time by logging into your account or by contacting us using the information in the "Contact Us" section below.

4.2 Marketing Communications

You may opt out of receiving promotional emails from us by following the instructions in those emails. If you opt out, we may still send you non-promotional emails, such as those about your account or our ongoing business relations.

4.3 Cookies

Most web browsers are set to accept cookies by default. If you prefer, you can usually set your browser to remove or reject cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Site.

5. Cookie Policy

5.1 What Are Cookies

Cookies are small text files that are stored on your device when you visit a website. They are widely used to make websites work more efficiently and provide information to the website owners.

5.2 Types of Cookies We Use

We use the following types of cookies:

• Essential Cookies: Necessary for the operation of our Site. They enable basic functions like page navigation and access to secure areas of the Site.
• Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our Site. This helps us improve the way our Site works.
• Functionality Cookies: Used to recognize you when you return to our Site. This enables us to personalize our content for you and remember your preferences.
• Targeting Cookies: Record your visit to our Site, the pages you have visited, and the links you have followed. We may use this information to make our Site and the advertising displayed on it more relevant to your interests.

5.3 Third-Party Cookies

We also allow third parties to place cookies on your device when you visit our Site to:

• Help us understand and improve how visitors use our Site
• Display advertisements that are relevant and engaging
• Enable you to share content with social networks
• Provide features like videos or live chats

5.4 Managing Cookies

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this Site may become inaccessible or not function properly.

6. Data Security

We have implemented appropriate technical and organizational measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Site is at your own risk.

7. Data Retention

We will only retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements.

8. Children's Privacy

Our Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If you are under 13, please do not provide any information on this Site. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.

9. International Data Transfers

Your information may be transferred to, and maintained on, computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ. If you are located outside the United States and choose to provide information to us, please note that we transfer the information to the United States and process it there.

10. Your Rights

Depending on your location, you may have certain rights regarding your personal information, such as:

• The right to access the personal information we hold about you
• The right to request that we correct any inaccurate personal information
• The right to request that we delete your personal information
• The right to restrict or object to processing of your personal information
• The right to data portability
• The right to withdraw consent

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.

11. California Privacy Rights

California residents may have additional rights regarding their personal information under the California Consumer Privacy Act (CCPA). These rights include:

• The right to know what personal information is collected, used, shared, or sold
• The right to delete personal information held by businesses
• The right to opt-out of the sale of personal information
• The right to non-discrimination for exercising consumer privacy rights

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email or by posting a notice on our Site prior to the change becoming effective. We encourage you to review this Privacy Policy periodically for the latest information on our privacy practices.

13. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at:

CreditUnionAdvisor
832 Wayne Orchard Lake
Elliotton CT6 7HL
Email: info@budgetscureview.com
Phone: +448802693865