Legal
Privacy Policy
Last updated: 17 May 2025
1. Who We Are & What We Provide
Home Budget Hub ("we", "us", "our") operates the Home Budget Hub platform at householdbudgethub.co.uk. Company Registration: 17227795. We are a software company registered in England and Wales, with our registered office at 66 Paul Street, London, EC2A 4NA. We are a budgeting software and organisational tools business. We provide: • Household budgeting calculators and planning software • Expense tracking and bill management utilities • Educational content and informational resources • AI-powered budgeting guidance We are NOT and do NOT provide: • Regulated financial advice or advisory services • Financial services, lending, banking, or credit products • Investment services or investment advice • Insurance products or debt management services • Any regulated financial activity Data Controller contact: support@householdbudgethub.co.uk | 0330 027 0073
2. What Data We Collect
We collect the following categories of personal data: Identity & Contact Data: full name, email address, phone number, postal address, and account login credentials. Financial & Billing Data: subscription billing records, payment confirmation, and invoices. Payments are securely processed by Stripe, Inc. We do not store, access, or retain full card numbers, CVV codes, or banking credentials. Stripe handles all payment data under their own PCI-DSS certified infrastructure. Usage Data: IP address, browser type, device information, pages visited, session duration, and interaction data collected via cookies and analytics tools. Communications Data: messages submitted via our contact form, support emails, and any correspondence with our team. Registration Data: contact details submitted voluntarily via our sign-up forms before an account is created.
3. How We Use Your Data
We use your personal data to: • Provide and maintain your access to our software platform and educational content • Process and manage your subscription, including recurring billing via Stripe • Send transactional emails including receipts, login credentials, and account updates • Respond to support requests and customer enquiries • Improve the platform through anonymised usage analytics • Comply with our legal and regulatory obligations under UK law • Prevent fraud and protect the security of our platform Legal bases (UK GDPR): Contract performance (subscription services), Legitimate interests (platform security, fraud prevention), Legal obligation (regulatory compliance), and Consent (marketing communications, where applicable).
4. Payment Processing — Stripe
We use Stripe, Inc. as our authorised payment processor for all subscription billing. When you make a payment: • You are redirected to or interact with Stripe's secure payment interface • Stripe collects, stores, and processes your card details under their own Privacy Policy • We do not receive, store, or have access to your full card number or CVV • We receive only a payment confirmation token and billing summary from Stripe Stripe is PCI DSS Level 1 certified. For more information about how Stripe handles your data, visit stripe.com/privacy. All payment transactions are encrypted using TLS/SSL technology. Stripe processes payments on our behalf under a Data Processing Agreement in compliance with UK GDPR.
5. Cookies & Tracking
We use cookies and similar tracking technologies on our platform. These include: Essential Cookies: Required for the platform to function (authentication sessions, security tokens). These cannot be disabled. Analytical Cookies: We use analytics tools to understand how visitors use our platform, which pages are most visited, and how to improve user experience. These collect anonymised, aggregated data. Preference Cookies: Remember your settings and preferences between sessions. You can manage or disable non-essential cookies through your browser settings. Disabling cookies may affect some platform functionality. For full details, see our Cookie Policy page.
6. Data Sharing & Third Parties
We do not sell, rent, or trade your personal data to any third parties for marketing purposes. We share your data only with: • Stripe, Inc. — payment processing and fraud prevention • Our hosting and cloud infrastructure providers — secure data storage • Analytics providers — anonymised usage reporting only • Legal authorities — where required by applicable law, court order, or regulatory obligation All third-party service providers are required to process your data only as instructed by us and in compliance with applicable data protection law.
7. Data Retention
We retain your personal data for as long as necessary to: • Maintain your active account and subscription • Comply with our legal and accounting obligations (typically 6 years under UK tax law) • Resolve disputes and enforce agreements Upon account closure, we will anonymise or delete your personal data within 90 days, except where retention is required by law. Billing records and transaction data may be retained for up to 7 years for financial compliance purposes.
8. Your Rights Under UK GDPR
As a UK data subject, you have the following rights: • Right of Access: Request a copy of the personal data we hold about you • Right to Rectification: Request correction of inaccurate or incomplete data • Right to Erasure ("Right to be Forgotten"): Request deletion of your data where there is no lawful basis to retain it • Right to Restrict Processing: Request that we limit how we use your data • Right to Data Portability: Receive your data in a structured, machine-readable format • Right to Object: Object to processing based on legitimate interests or direct marketing • Rights in relation to Automated Decision-Making: We do not use solely automated decision-making that produces legal or significant effects To exercise any of these rights, contact us at support@householdbudgethub.co.uk. We will respond within 30 days. You also have the right to lodge a complaint with the UK Information Commissioner's Office (ICO) at ico.org.uk.
9. Data Security
We implement appropriate technical and organisational security measures to protect your personal data, including: • TLS/SSL encryption for all data transmitted between your browser and our platform • Secure, access-controlled data storage • Regular security assessments and updates • Restricted staff access on a need-to-know basis Despite these measures, no system is 100% secure. In the event of a data breach that poses a risk to your rights, we will notify you and the ICO as required by UK GDPR.
10. International Data Transfers
Some of our third-party service providers (including Stripe) may process data outside the UK. Where data is transferred internationally, we ensure appropriate safeguards are in place, including Standard Contractual Clauses or equivalent mechanisms approved under UK data protection law.
11. Children's Privacy
Our platform is intended for adults aged 18 and over. We do not knowingly collect personal data from children under the age of 18. If you believe a child has provided us with personal data, please contact us immediately and we will take steps to delete it.
12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. We will post the updated policy on this page and update the "Last updated" date. For significant changes, we will notify you by email or via a platform notification.
13. Contact Us
For any questions, concerns, or requests relating to this Privacy Policy or your personal data: Email: support@householdbudgethub.co.uk Phone: 0330 027 0073 Post: Home Budget Hub, 66 Paul Street, London, EC2A 4NA We aim to respond to all privacy enquiries within 5 business days.
Related policies: Terms & Conditions · Refund Policy · Cookie Policy
© 2026 Home Budget Hub. Company Reg 17227795. Registered in England and Wales. 66 Paul Street, London, EC2A 4NA.