AutoSmartBudgets

Legal

Privacy Policy

Effective January 1, 1970.

Auto Smart Budgets ("we," "our," or "us") operates the website https://autosmartbudgets.com as an independent informational and educational resource about the personal finance of car ownership, including vehicle budgeting, cost-of-ownership math, and auto insurance terminology. This Privacy Policy explains what information we collect, how we use it, and your rights.

We are not an insurance company, agent, broker, marketplace, lender, financial advisor, or lead generation platform. We do not sell, share, or transfer your personal information to insurance carriers, agents, brokers, lenders, lead aggregators, or any third-party marketer.

1. Information We Collect

Information you provide

  • Name and email address when you subscribe to our educational content.
  • Phone number, only if you optionally choose to receive SMS messages.
  • Messages you send through our Contact form.

Information collected automatically

  • Standard log data such as IP address, browser type, and pages visited.
  • Cookies and similar technologies used to operate the site and measure performance.

2. How We Use Your Information

  • To deliver the free educational guide and follow-up content you requested.
  • To send the SMS messages you specifically opted in to receive.
  • To respond to your inquiries.
  • To operate, secure, and improve the website.

3. SMS Messaging and Consent

SMS opt-in is collected through two separate, unchecked-by-default consent checkboxes on our Subscribe page. Each checkbox is specific to a distinct SMS message category and is never bundled together or with email consent. Phone number is never a required field. Consent is not a condition of accessing any content on this site.

You may opt out at any time by replying STOP, UNSUBSCRIBE, CANCEL, END, or QUIT. Reply HELP for support. We honor opt-out requests immediately. SMS opt-in information is never sold, shared, or transferred to any third party for any purpose.

4. How We Share Information

We do not sell, rent, or trade your personal information. We share information only with service providers that help us operate the site (such as hosting, email delivery, and SMS delivery) under contracts that require them to protect your data and use it only for the services they provide to us.

We never share your information with insurance carriers, insurance agents, insurance brokers, comparison platforms, lenders, dealers, or lead aggregators.

5. Your Choices

  • Unsubscribe from email at any time using the link in any message.
  • Reply STOP to any SMS message to stop further messages immediately.
  • Request access, correction, or deletion of your data by emailing us.

6. Data Retention

We keep your information only as long as needed to deliver the content you requested or as required by law.

7. Security

We use reasonable administrative, technical, and physical safeguards to protect your information.

8. Children

This site is not directed to children under 13 and we do not knowingly collect their information.

9. Changes

We may update this Privacy Policy. The latest version will always be posted on this page with a new effective date.

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