Privacy Policy

1. Introduction

Finance Blue Hub (“we”, “us”, “our”) respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy explains what we collect, why we collect it, how long we keep it, who it may be shared with, and the choices and rights available to you.

The policy applies to our website at financebluehub.com, to the forms and newsletter services on it, and to information collected when you speak with our advisors by phone, email, video call or in person at our Sacramento office.

By using our website or engaging our services, you confirm that you have read this policy. Where we rely on your consent — for example for marketing communications — you may withdraw that consent at any time without affecting the lawfulness of earlier processing.

2. Information we collect

Information you give us

• Identity and contact data: name, email address, telephone number, postal address and preferred contact method.
• Enquiry data: the service you select, your message, appointment preferences and any notes you provide.
• Financial data: where you engage a service, information about income, employment, assets, liabilities, credit history, tax position and existing insurance policies.
• Marketing preferences: whether you wish to receive our newsletter and which topics interest you.

Information collected automatically

• Technical data: IP address, browser type and version, device type, operating system, referring pages and pages viewed.
• Usage data: approximate location derived from IP address, time and date of visits, and interaction with forms and content.
• Cookies and similar technologies as described in section 6.

Information from third parties

With your written authorisation we may obtain credit reports, employment and income verifications, property valuations, tax transcripts and existing policy details from credit bureaus, lenders, insurers, accountants and public records. We collect only what is necessary for the service you have requested.

3. How we use your information

• To respond to enquiries and provide the financial services you request.
• To assess eligibility, prepare quotations and arrange lending, investment, tax or insurance products.
• To perform our obligations under any agreement we enter into with you.
• To verify identity and comply with anti-money-laundering, know-your-customer and other legal obligations.
• To send service-related notices such as appointment confirmations, document requests and renewal reminders.
• To send marketing communications, including our newsletter, only where you have opted in.
• To operate, secure and improve our website, and to understand aggregate usage patterns.
• To detect and prevent fraud, and to establish, exercise or defend legal claims.

We do not sell your personal information, and we do not use it for automated decision-making that produces legal or similarly significant effects without human review and an explanation of the outcome.

4. Legal bases for processing

We process personal information on the following bases:

• Consent — for newsletter subscriptions and optional marketing communications.
• Performance of a contract — to deliver the advisory, lending, tax or insurance service you engaged.
• Legal obligation — for tax records, licensing, audit and financial-crime prevention requirements.
• Legitimate interests — to operate and secure our website, respond to enquiries and improve our services, balanced against your rights.

5. Sharing and disclosure

We share information only where necessary and only with recipients bound by confidentiality obligations:

• Lenders, insurers and custodians whose products you choose to apply for or purchase.
• Professional advisers — attorneys, accountants and auditors engaged on your matter.
• Service providers who host our systems, process documents, deliver email or provide analytics, under written data-processing terms.
• Regulators and law enforcement where disclosure is required by law, subpoena or court order, or is necessary to protect rights, property or safety.
• A successor entity in the event of a merger, acquisition or sale of assets, in which case you will be notified before your information becomes subject to a different policy.

We never sell, rent or trade your personal or financial information to marketing companies or data brokers.

6. Cookies and analytics

Our website uses a limited set of cookies and similar technologies: strictly necessary cookies that keep the site functioning and remember your preferences; and privacy-friendly analytics that measure aggregate page usage so we can improve content.

We do not use advertising trackers that build a profile of you across other websites, and we do not share analytics data with advertising networks. Most browsers allow you to refuse or delete cookies through their settings. Blocking strictly necessary cookies may prevent forms from working correctly.

Where you use a form on this website, your browser may store the submission locally on your own device so that you can review what you sent. That data never leaves your device.

7. Data security

We apply administrative, technical and physical safeguards appropriate to the sensitivity of financial information: encryption in transit and at rest, role-based access restricted to the team working on your file, multi-factor authentication for staff systems, secure document upload rather than email attachments, and regular review of our controls.

No method of transmission or storage is completely secure. If a breach occurs that is likely to result in a risk to your rights, we will notify you and the relevant authorities without undue delay and explain the steps we are taking.

8. Data retention

We keep personal information only for as long as needed for the purpose it was collected, then for any period required by law or legitimate business need:

When information is no longer required it is securely deleted or irreversibly anonymised.

9. Your privacy rights

Depending on where you live, you may have some or all of the following rights, which we honour free of charge:

• Access — request a copy of the personal information we hold about you.
• Correction — ask us to fix inaccurate or incomplete information.
• Deletion — request erasure where there is no continuing legal need to keep it.
• Restriction or objection — limit processing, or object to processing based on legitimate interests.
• Portability — receive your data in a structured, commonly used, machine-readable format.
• Withdraw consent — stop marketing at any time using the unsubscribe link or our unsubscribe page.
• Non-discrimination — we will not treat you less favourably for exercising any of these rights.

Residents of California additionally have rights under the California Consumer Privacy Act, including the right to know, delete and opt out of the sale or sharing of personal information. We do not sell or share personal information as those terms are defined, and we do not use sensitive personal information for any purpose other than providing our services.

To exercise a right, email info@financebluehub.com or write to us at 2405 H St, Sacramento, CA 95816, USA. We will verify your identity before responding, and we aim to reply within 30 days. You may also lodge a complaint with your local data-protection or financial regulator if you are unhappy with our response.

10. Children’s privacy

Our services are intended for adults. We do not knowingly collect personal information from anyone under 18, and we do not direct marketing to children. If you believe a minor has provided us with information, contact us and we will delete it promptly.

11. Third-party links

Our website links to external resources such as lender portals, government tax sites and mapping services. Those sites operate under their own privacy policies, which we do not control and for which we accept no responsibility. We encourage you to read them before submitting any information.

12. Changes to this policy and how to contact us

We may update this policy to reflect changes in our services or in the law. The effective and review dates at the top of this page show when it last changed. Material changes will be announced on our website and, where appropriate, by email to affected clients.

Questions, requests or complaints about privacy can be sent to:

See also our Terms and Conditions, which govern use of this website and our services.