Privacy Policy

Credit Saving Hub ("we", "us", "our") respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy describes what information we collect through this website and our services, why we collect it, how we safeguard it, and the choices you have. By using our website or engaging our services, you agree to the practices described below.

1. Information We Collect

We collect information you provide directly to us, information generated when you use our website, and information obtained from third parties with your consent. The categories include:

• Contact details — name, email address, phone number and mailing address submitted through our contact, subscription or service enquiry forms.
• Financial information — income, employment, debts, credit profile and loan preferences that you choose to share during a consultation or application.
• Document data — identification, bank statements, tax returns or other documents you provide to support an application.
• Usage data — IP address, browser type, device information, pages visited and referring URLs collected automatically through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your enquiries and deliver the services you request, including loan matching, credit reviews, mortgage pre-approval, investment planning, tax advisory and insurance quotes.
• To verify your identity and assess eligibility for financial products in coordination with our lending and insurance partners.
• To send newsletters, rate alerts and promotional communications you have subscribed to, and to manage your subscription preferences.
• To improve our website, services and customer experience through analytics and aggregated research.
• To comply with legal obligations, prevent fraud and enforce our terms of service.

3. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to remember your preferences, keep forms functioning, and understand how visitors interact with our pages. You can control or delete cookies through your browser settings; however, disabling certain cookies may affect the functionality of parts of the site. We do not use cookies to sell your personal information to advertisers.

4. How We Share Information

We never sell your personal information. We may share information only in these limited situations:

• Service providers and partners — lenders, mortgage brokers, insurers, credit bureaus and technology vendors who help us deliver requested services, bound by confidentiality obligations.
• Legal requirements — when disclosure is required by law, regulation, court order, or to protect the rights, safety and property of Credit Saving Hub, our clients or the public.
• Business transfers — in connection with a merger, acquisition or sale of assets, subject to this policy or equivalent protections.
• With your consent — for any other purpose disclosed to you at the time of collection.

5. Data Security

We protect your information with industry-standard measures including TLS encryption in transit, encryption at rest, role-based access controls, secure facilities and regular security assessments. Only team members who need your data to serve you can access it, and they are bound by confidentiality agreements. No method of transmission or storage is 100% secure, but we work continuously to keep your data protected.

6. Data Retention

We retain personal information for as long as needed to provide services, meet legal and regulatory record-keeping requirements, resolve disputes and enforce agreements. When information is no longer required, we securely delete or anonymise it. Newsletter subscription data is retained until you unsubscribe.

7. Your Rights and Choices

Depending on your state of residence, you may have the right to access, correct, delete or obtain a copy of your personal information, and to opt out of certain processing activities. To exercise any of these rights, contact us at contact@creditsavinghub.com or call +1 978-443-3839. You may unsubscribe from marketing emails at any time using the link in any message or via our Unsubscribe page — service-related messages about active applications will still be sent.

8. Third-Party Links

Our website may contain links to third-party websites, such as map providers or lending partners. We are not responsible for the privacy practices or content of those sites, and we encourage you to review their policies before providing any information.

9. Children's Privacy

Our services are intended for individuals aged 18 and older. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with information, please contact us and we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last updated" date at the top indicates the most recent revision. Material changes will be highlighted on this page or communicated by email where appropriate.

11. Contact Us

Questions about this Privacy Policy or our data practices are welcome:

• Credit Saving Hub
• Address: 18 Winsor Rd, Sudbury, MA 01776, USA
• Phone: +1 978-443-3839
• Email: contact@creditsavinghub.com