Saving Plan Finance respects your privacy and is committed to protecting the personal information you share with us. This policy explains what we collect, why we collect it, how it is used, and the rights you have in relation to it.
By using this website or engaging our services, you agree to the practices described here. If you do not agree, please do not submit personal information to us.
Who we are
Saving Plan Finance is an independent financial services and advisory firm located at 3718 Dixon St, Santa Barbara, CA 93105, USA. For privacy matters you can reach us by email at contact@savingplanfinance.org or by telephone on +1 805-569-0195.
Information we collect
We collect only the information we need to provide our services or to respond to you. Depending on how you interact with us, this may include:
- Contact details such as your name, email address, telephone number and postal address.
- Identity details including your date of birth and identification documents, where required for lending, insurance or tax services.
- Financial information such as income, employment details, existing debts, assets, savings and credit history, where relevant to the service you have requested.
- Communications including emails, call notes, form submissions and correspondence.
- Newsletter details such as the name, email address and date of birth you provide when subscribing or unsubscribing.
- Website usage information such as pages visited, browser type and approximate location, collected through standard server logs and cookies.
How we use your information
- To respond to your enquiries and provide the advice or services you have requested
- To assess applications and liaise with lenders, insurers, accountants and other relevant providers on your behalf
- To meet our legal, regulatory and record-keeping obligations
- To send you our newsletter, where you have consented to receive it
- To improve our website, services and the accuracy of the information we publish
- To protect against fraud and to keep our systems and clients secure
Our legal basis for processing
We process personal information because it is necessary to perform the service you have asked for, because we have a legal obligation to do so, because it is in our legitimate interests to operate and secure our business, or because you have given consent — for example, to receive our newsletter. Where we rely on consent, you may withdraw it at any time without affecting the lawfulness of earlier processing.
Newsletter subscriptions
When you subscribe to our newsletter, we collect your name, email address and date of birth. The email address is used to send you our newsletter. Your name allows us to address you personally, and your date of birth helps us identify and manage subscriptions accurately.
You may unsubscribe at any time by using the link in any newsletter email or by visiting our unsubscribe page. Removal from the mailing list takes effect immediately. We retain a minimal record that you opted out, solely so that we do not add you again in error.
Sharing your information
We do not sell, rent or trade your personal information to third parties for their marketing purposes. We may share information only in the following circumstances:
- With lenders, insurers and product providers, where you have instructed us to apply for or arrange a product
- With professional advisers such as accountants, lawyers and conveyancers involved in your matter
- With service providers who assist us to operate, such as secure hosting, document storage and email delivery, who are bound by confidentiality obligations
- Where required or permitted by law, regulation, court order or a legitimate regulatory request
Where information is shared, we limit it to what is necessary for the purpose involved.
Cookies and website analytics
Our website may use cookies and similar technologies to remember preferences, understand how pages are used and improve performance. Cookies do not give us access to your computer or to information beyond what you choose to share. You can control or delete cookies through your browser settings; some features may not function correctly if cookies are disabled.
How we protect your information
We use reasonable administrative, technical and physical safeguards to protect personal information against loss, misuse and unauthorised access, disclosure, alteration or destruction. Sensitive documents are stored securely and access is restricted to staff who need it to perform their role.
No method of transmission over the internet or method of electronic storage is completely secure. While we work to protect your information, we cannot guarantee absolute security, and we ask that you avoid sending sensitive documents by ordinary email unless we have arranged a secure method with you.
How long we keep your information
We retain personal information only for as long as it is needed for the purpose it was collected, and for any retention period required by law, regulation or professional obligation. Where information is no longer required, it is securely deleted or de-identified.
Your rights
Subject to applicable law, you may request to:
- Access the personal information we hold about you
- Correct information that is inaccurate, incomplete or out of date
- Request deletion of your information, where no legal obligation requires us to keep it
- Object to or restrict certain processing of your information
- Withdraw consent to marketing or newsletter communications at any time
- Lodge a complaint with the relevant privacy or data protection authority in your jurisdiction
To exercise any of these rights, contact us using the details at the top of this page. We will respond within a reasonable period and may need to verify your identity before acting on a request.
Children’s privacy
Our services are not directed at children, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will remove it promptly.
Links to other websites
Our website may contain links to third-party sites, including lender, insurer and mapping services. We are not responsible for the privacy practices or content of those sites and encourage you to review their privacy policies before providing any personal information.
Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices or in applicable law. The current version will always be available on this page, and material changes will be highlighted where appropriate.
Contact us
If you have any questions about this policy or about how we handle your information, please contact us:
- Saving Plan Finance
- 3718 Dixon St, Santa Barbara, CA 93105, USA
- Telephone: +1 805-569-0195
- Email: contact@savingplanfinance.org