How Money Journey Hub collects, uses, protects and shares your personal information — written in plain English because a privacy policy you cannot understand is not much protection.
Money Journey Hub ("we", "us", "our") provides financial advisory, loan brokerage, wealth planning, tax advisory and insurance services to consumers across the United States. This policy explains what personal information we collect through this website and our advisory services, why we collect it, how long we keep it, who we share it with and the choices you have. By using moneyjourneyhub.com you accept the practices described here.
We follow the principle of data minimisation: we ask only for information that is genuinely needed to answer your question, assess a loan or insurance application, prepare a tax return or build a financial plan. We do not buy contact lists, we do not sell client data, and we do not run behavioural advertising trackers for third parties.
We collect three broad categories of information:
We do not knowingly collect information from children under 18. If you believe a child has provided us with personal data, contact us and we will delete it.
For visitors and residents where applicable law requires it, we process personal information on the following bases: your consent (for example newsletter subscriptions and non-essential cookies), the performance of a contract or steps taken at your request before entering a contract (advisory, lending, tax and insurance engagements), compliance with a legal obligation (record-keeping and reporting duties), and our legitimate interests in operating, securing and improving our business, provided those interests are not overridden by your rights. Where we rely on consent you may withdraw it at any time without affecting the lawfulness of earlier processing.
We share personal information only in these circumstances:
We never sell your personal information to data brokers, marketing companies or advertisers.
Our website uses a small number of cookies and similar technologies. Strictly necessary cookies keep the site functioning, for example remembering your navigation state and securing form submissions. Preference cookies remember choices such as region or display settings. Analytics cookies, where enabled, help us understand which pages are useful so we can improve content; these are aggregated and do not identify you to third-party advertisers. Embedded content such as maps and videos may set their own cookies when you interact with them.
You can control cookies through your browser settings, including blocking or deleting them. Blocking strictly necessary cookies may prevent parts of the site from working correctly. The "Do Not Track" browser setting is respected where technically feasible.
We use transport encryption (TLS) for all data submitted through this website, encryption at rest for stored documents, role-based access limited to the advisor handling your file, multi-factor authentication for staff systems, and regular reviews of our security practices. Sensitive identifiers are masked in day-to-day use.
No method of transmission over the internet is completely secure. Please do not send full social security numbers, account passwords or unencrypted banking credentials by email; we will arrange a secure channel when such documents are required. If we become aware of a breach affecting your personal information we will notify you and any relevant authority as required by law, without undue delay.
We keep personal information only as long as necessary for the purpose it was collected, then for any period required by law. Indicative periods are: newsletter data until you unsubscribe and for a short suppression window afterwards; general enquiries for up to 24 months; loan, tax and insurance engagement records for seven years or longer where federal or state law requires; and identity verification documents for the period mandated by anti-money laundering regulations. After the retention period, records are securely deleted or irreversibly anonymised.
Depending on where you live, you may have the right to:
To exercise any of these rights, email contact@moneyjourneyhub.com or write to us at the address below. We will respond within 30 days and will not discriminate against you for exercising a right. We may need to verify your identity before fulfilling a request.
We only send marketing emails to people who have subscribed. Every newsletter contains an unsubscribe link, and you can also opt out through our unsubscribe page. Suppression requests are applied immediately. Choosing not to subscribe has no effect on the services we provide to you.
Our services are directed at adults. We do not knowingly collect personal information from children under 18, and we do not market to them. If you are a parent or guardian and believe a child has provided us with information, contact us and we will promptly delete it.
Our website may link to lender, carrier, government or content sites that we do not control. Those sites have their own privacy policies and we are not responsible for their practices. We encourage you to read the privacy notice of any site before submitting personal information.
Our office and primary data systems are located in the United States. If you access our site from outside the US, your information may be transferred to and processed in the US, where data protection laws may differ from those in your country. We apply appropriate safeguards to any such transfer.
We may update this policy to reflect changes in our services or the law. The "last updated" date at the top of this page shows when it was last revised. Material changes will be posted prominently on this page and, where we hold your email address and it is appropriate, notified by email. Continued use of the site after an update constitutes acceptance of the revised policy.
Questions about this policy or about your personal information can be sent to:
You can also read our Terms & Conditions, which govern the use of this website and our services.