Privacy Policy

Last updated: January 15, 2026

1. Who We Are

Budget Finance Wealth LLC ("Budget Finance Wealth," "we," "us," or "our") is an independent finance and wealth management firm headquartered at 3600 Majestic Ln, Bowie, Maryland 20715, USA. Founded in 2020, we provide investment planning, loan facilitation, tax advisory, and insurance services to clients across the United States. This Privacy Policy explains what personal information we collect through our website (www.budgetfinancewealth.com), why we collect it, and the choices you have.

2. Information We Collect

Information you provide directly

• Contact details — name, email address, phone number, and mailing address when you submit a booking form, contact form, or newsletter signup.
• Financial information — details you voluntarily share about your goals, income range, debts, or assets during consultations and enquiries.
• Transaction and account information — records of services you purchase, loans you originate through partner lenders, and communications with your advisor.

Information collected automatically

• Usage data — pages visited, time on page, referring website, and approximate location derived from IP address.
• Device data — browser type, operating system, and screen resolution, used to keep the site fast and compatible.

3. How We Use Your Information

• To respond to enquiries and schedule the consultations you request.
• To deliver advisory services, prepare financial plans, and process service subscriptions.
• To send our Monthly Brief newsletter — only if you subscribed, and always with a working unsubscribe link.
• To improve website performance, content, and user experience.
• To comply with legal, regulatory, and anti-fraud obligations applicable to financial services firms.

We do not sell your personal information. We never have, and we never will. We also do not share your information with third parties for their own direct marketing purposes.

4. How We Share Information

We share personal information only in these limited circumstances:

• Lending partners — when you apply for a loan, we share your application with licensed partner lenders as necessary to process it. Each partner is contractually bound to protect your data.
• Service providers — vetted vendors who host our systems or send our emails, bound by strict confidentiality agreements.
• Legal requirements — when required by law, regulation, court order, or to protect the rights and safety of our clients and firm.
• Business transfers — in the unlikely event of a merger or acquisition, with advance notice and continued protection under this policy.

5. Cookies & Tracking

We use a minimal set of cookies: strictly necessary cookies that keep the site functioning, and privacy-respecting analytics that help us understand which pages are useful. We do not use third-party advertising trackers or cross-site behavioral profiling. You can block or delete cookies through your browser settings; the site will continue to work.

6. Data Security

We protect your information with 256-bit AES encryption in transit and at rest, mandatory multi-factor authentication on internal systems, least-privilege access controls, and continuous third-party security audits. No system is perfectly secure, but we treat your data with the same care we'd demand for our own family's finances.

7. Data Retention

We keep personal information only as long as needed for the purposes described above and as required by financial-services record-keeping regulations (typically seven years for advisory records). Newsletter data is deleted within 30 days of an unsubscribe request. Enquiry form data that does not become a client relationship is deleted after 24 months.

8. Your Privacy Rights

Depending on your state of residence, including rights under the California Consumer Privacy Act (CCPA) and comparable Maryland privacy law, you may have the right to:

• Know and access — request the categories and specific pieces of personal information we hold about you.
• Correct inaccurate information.
• Delete personal information, subject to legal retention requirements.
• Opt out of marketing communications at any time (see Section 9).
• Non-discrimination — we will never degrade your service for exercising these rights.

To exercise any right, email privacy@budgetfinancewealth.com or call (240) 206-9803. We respond within 45 days and may verify your identity before fulfilling certain requests.

9. Marketing Emails & Unsubscribing

Every marketing email we send contains a one-click unsubscribe link, and we honor opt-out requests within 24 hours. You may also use our dedicated unsubscribe page at any time. Transactional and service-related communications (e.g., appointment confirmations) are not marketing and will continue while you remain a client.

10. Children's Privacy

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

11. Third-Party Links

Our website may link to third-party sites (such as partner lenders or market-data resources). We are not responsible for their privacy practices and encourage you to review their policies before providing personal information.

12. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or the law. Material changes will be announced on this page with a revised "Last updated" date, and — where appropriate — by email to active clients.