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Last updated September 2026

Privacy Policy

This Privacy Policy explains how Budget Literacy Finance collects, uses, shares and protects information when you visit our website, subscribe to our newsletter or contact us about our services.

1. Information we collect

We collect information you give us directly, such as your name, email address and the details you include in a message. When you talk to us about a financial topic, you may choose to share information about your goals, income, debts, property or household. Please share only what you are comfortable with. We also collect basic technical information such as browser type, device type and pages viewed.

2. How we use information

• To respond to your questions and requests.
• To explain loans, insurance, payment, investment, home warranty and debt relief options that suit your situation.
• To send the newsletter you asked for and to let you unsubscribe at any time.
• To keep our website secure, understand how it is used and improve it.
• To meet legal and regulatory obligations that apply to financial services.

3. Sharing your information

We do not sell your personal information. We share it only with service providers who help us run our website and communications, with product providers when you ask us to introduce you, and with authorities where the law requires. Providers we work with are expected to protect your information and use it only for the agreed purpose.

4. Protecting financial information

We use reasonable technical and organisational safeguards to protect your information against loss, misuse and unauthorised access. Please never send full card numbers, account passwords or one-time codes through our contact form or by email. No method of transmission over the internet is completely secure, so we encourage you to be careful about what you share.

5. Cookies and analytics

Our website may use cookies or similar technologies to remember preferences and measure how the site performs. You can control cookies through your browser settings. Blocking some cookies may affect parts of the website.

6. How long we keep information

We keep personal information only as long as needed for the purposes described here, including to meet legal, accounting or reporting requirements. When it is no longer needed, we delete or anonymise it.

7. Your choices and rights

You may ask to access, correct or delete the personal information we hold about you, object to certain uses, or withdraw consent for marketing at any time. Every newsletter includes a way to unsubscribe. To make a request, email info@budgetliteracyfinance.info and we will respond within a reasonable time.

8. Third-party websites

Our website may mention or link to providers and resources we do not control. We are not responsible for their privacy practices and encourage you to read their policies.

9. Children

Our services are intended for adults. We do not knowingly collect personal information from children.

10. Changes to this policy

We may update this policy from time to time. The latest version will always be available on this website with the date it was last updated.

11. Contact us

Questions about this policy? Email info@budgetliteracyfinance.info or write to Budget Literacy Finance, NY, New York City, 136 Madison Avenue, New York, 10016.

Last updated September 2026

Terms & Conditions

These Terms & Conditions govern your use of the Budget Literacy Finance website and the information we provide. By using the website, you agree to them. If you do not agree, please do not use the website.

1. About our services

Budget Literacy Finance provides general information and guidance about loans, insurance, digital payments, investments, home warranty coverage and debt relief. Unless we tell you otherwise in writing, we are not a lender, insurer, bank or investment manager, and content on this website is not an offer to provide any product.

2. No personal financial, tax or legal advice

Information on this website is general in nature and does not take into account your objectives, finances or needs. It is not personal financial, investment, tax or legal advice. Before making a decision, consider whether it is right for you and speak with a suitably licensed professional where appropriate.

3. Risk and no guarantees

All financial products carry risk. Investments can fall as well as rise in value, borrowing must be repaid with interest, and insurance and warranty cover is subject to the terms, limits and exclusions of the provider. Past performance does not indicate future results. We do not guarantee approval, pricing, outcomes or returns.

4. Estimates and calculators

The payment estimator and any other tools are provided for illustration only. Results are based on the figures you enter and simplified assumptions. They are not quotes, offers or commitments, and actual terms will differ.

5. Third-party providers

Products described or introduced through us are issued by third parties under their own terms, fees and eligibility rules. Please read those terms carefully. We are not responsible for a provider's products, decisions or conduct.

6. Your information and responsibilities

• Give accurate and complete information when you contact us.
• Do not send passwords, full card numbers or one-time codes through the website or by email.
• Use the website lawfully and do not attempt to disrupt, copy or misuse it.

How we handle personal information is described in our Privacy Policy.

7. Fees

Browsing this website and using its tools is free. If a service or product involves a fee, we will explain it clearly and in advance, and no fee applies unless you agree to it.

8. Intellectual property

The text, design, graphics and other content on this website belong to Budget Literacy Finance or its licensors and are protected by applicable law. You may view and print pages for personal, non-commercial use. Any other use requires our written permission.

9. Limitation of liability

To the fullest extent permitted by law, Budget Literacy Finance is not liable for any loss or damage arising from your use of, or reliance on, the website or its information, including indirect or consequential loss. Nothing in these terms excludes liability that cannot legally be excluded.

10. Availability and changes

We work to keep the website available and accurate, but we do not promise uninterrupted access or that every detail is current. We may change the website or these terms at any time; continued use after changes means you accept the updated terms.

11. Governing law

These terms are governed by the laws applicable in the jurisdiction where Budget Literacy Finance is established, and any dispute will be handled by the courts of that jurisdiction.

12. Contact us

Questions about these terms? Email info@budgetliteracyfinance.info or write to Budget Literacy Finance, NY, New York City, 136 Madison Avenue, New York, 10016.