Consumer Privacy Notice

Last updated: 10/03/2026

This notice supplements our Privacy Policy and describes rights that may be available to consumers in certain states.

Categories of personal information

In the past 12 months we may have collected: identifiers (such as name and email), financial information you provide (such as bills and account details), internet activity (such as pages viewed) and inferences about your preferences.

The specific information we collect depends on the context in which you provide it, and could include:

• Name
• Email address
• Postal address
• Phone number
• Location and approximate value of your property
• Age and/or date of birth
• Demographic information, such as race, ethnicity and gender gathered pursuant to federal requirements
• Related products or services you have used in the past
• Financial information, such as income, assets and net worth
• Home ownership status and employment status
• Insurance information
• Other profile data, including your interests and preferences
• Any other information you provide

Information We Collect Automatically

When you use Frugal Haven’s website, applications, products, or services, we may automatically collect certain information about your interactions with us. This information helps us operate our services, improve your experience, protect our systems, and provide relevant features.

• Transactional Information: When you purchase a product or service or otherwise complete a transaction with Frugal Haven, we may collect information related to that transaction, including the products or services involved, transaction date, payment or financial information, and other details necessary to process and maintain the transaction.
• Device and Usage Information: We may collect information about the device and network you use to access our Services. This may include your device type and hardware model, operating system and version, browser type, IP address, mobile network information, unique device identifiers, regional and language settings, and application version. We may also collect information about how you interact with our Services, including access times, pages viewed, links selected, features or services considered, and the website or page you visited before accessing our Services.
• Content You Provide or Permit Us to Access: With your permission and in accordance with the settings on your device or application, we may collect content you choose to provide or make available to us, such as photographs, documents, or other information needed to provide our Services.
• Location Information: Where permitted by your device settings and applicable law, we may collect information about the general or precise location of your device. You can control or disable location permissions through your device settings. Disabling location services may affect certain features that rely on location information.
• Cookies and Similar Technologies: Frugal Haven and service providers working on our behalf may use cookies, web beacons, pixels, software development kits (SDKs), and similar technologies to collect information about your use of our Services.
  • Cookies are small data files stored on your device that help us operate and improve our Services. They may allow us to remember your preferences, understand which pages and features are most frequently used, maintain secure sessions, authenticate users, troubleshoot technical issues, analyze website activity, measure advertising performance, and provide a more personalized experience.
  • Web Beacons and Pixels are small electronic files or images that may be included on our website or in emails. They can help us understand whether an email was opened, measure visits and interactions, evaluate the effectiveness of communications, and support website analytics.
  • Software Development Kits (SDKs): Our mobile applications or other digital services may use SDKs, which are pieces of software that allow information about your use of our Services to be collected and securely transmitted to our service providers or systems. SDKs may help us analyze usage, measure conversions, improve functionality, maintain security, and support advertising or marketing activities where applicable.

We may use information collected through these technologies to maintain and improve Frugal Haven’s Services, understand how customers use our products and services, enhance security, conduct analytics, personalize content and communications, and improve our overall customer experience.

For more information about cookies, analytics, advertising technologies, and the choices available to you, please see the Your Choices and Advertising and Analytics sections of this Privacy Policy.

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Information We Collect From Other Sources

We may receive information about you from sources other than directly from you. This information helps us provide, maintain, personalize, and improve Frugal Haven’s products and services.

Depending on how you interact with us, we may collect information from the following sources:

• Financial Institutions and Account Providers: If you choose to connect a financial account or other financial service to Frugal Haven, we may receive information made available through that connection, such as account details, balances, transactions, and other financial information necessary to provide the requested services.
• Service Providers and Business Partners: We may receive information from companies and service providers that assist us with payment processing, identity verification, fraud prevention, analytics, customer support, technology services, and other business operations.
• Social Media and Online Platforms: If you interact with Frugal Haven through social media or other online platforms, we may receive information that you choose to make available through those platforms, subject to your privacy settings and the applicable platform’s policies.
• Publicly Available Sources: We may collect information from publicly available sources, such as government records, public websites, or other publicly accessible information, when permitted by applicable law.
• Referral and Promotional Sources: If you are referred to Frugal Haven by another person, organization, affiliate, or promotional partner, we may receive information related to that referral or promotion.
• Fraud Prevention and Security Services: We may receive information from third-party services that help us verify identities, detect suspicious activity, prevent fraud, protect our customers, and maintain the security of our Services.
• Other Sources With Your Permission: We may collect information from additional sources when you authorize us to do so or when permitted by applicable law.

Information received from these sources may be combined with information you provide directly to us or information we collect automatically. We use this information for purposes described in this Privacy Policy, including providing and improving our Services, processing transactions, protecting our customers and systems, communicating with you, complying with legal obligations, and delivering a secure and reliable Frugal Haven experience.

Information We Derive

We may derive or generate information about you based on information you provide to us, information we collect automatically, and information we receive from other sources. This helps us better understand how our Services are used, improve our products and services, and provide a more personalized experience.

The information we derive may include:

• Preferences and Interests: We may identify preferences, interests, or patterns based on your interactions with Frugal Haven, such as the types of products, services, features, or financial tools you use or explore.
• Usage and Engagement Information: We may analyze how you interact with our website, applications, communications, and other Services, including the features you use, frequency of use, and general engagement patterns.
• Financial Insights: Where appropriate and with the permissions necessary to provide our Services, we may analyze financial information you provide or authorize us to access to generate insights related to spending, budgeting, savings, subscriptions, and other financial activities.
• Account and Service Preferences: We may derive information about your preferences based on your account settings, selections, interactions, and requests, allowing us to tailor certain features and communications to your needs.
• Security and Fraud Indicators: We may derive information that helps us identify unusual activity, potential fraud, unauthorized access, security risks, or other activity that may affect the safety and integrity of our Services.
• Aggregated or De-Identified Information: We may combine, analyze, or otherwise process information to create aggregated or de-identified information that does not reasonably identify you. We may use this information for analytics, research, business planning, service improvement, and other lawful business purposes.

We use information we derive for purposes described in this Privacy Policy, including providing and improving our Services, understanding customer needs, enhancing security, developing new products and features, communicating with you, and supporting our business operations.

We do not use derived information to make decisions about you in ways that are prohibited by applicable law. Where required, we will provide additional notice or obtain your consent before using information for purposes that require it.

Data Partners

Frugal Haven may work with trusted third-party companies, service providers, and business partners that help us operate our business and provide, maintain, and improve our Services. These organizations may process or provide information on our behalf or as permitted by applicable law.

Our data partners may include:

• Financial Data Providers: Companies that securely facilitate connections between Frugal Haven and financial institutions or other accounts you choose to connect to our Services.
• Payment and Transaction Providers: Companies that help process payments, transactions, billing, and related financial activities.
• Identity Verification and Security Providers: Partners that help us verify information, prevent fraud, detect suspicious activity, protect accounts, and maintain the security of our Services.
• Analytics and Technology Providers: Companies that provide technology, analytics, data processing, hosting, infrastructure, and other services that help us understand and improve our Services.
• Customer Support Providers: Service providers that assist with customer communications, technical support, account assistance, and service-related inquiries.
• Marketing and Communications Partners: Partners that help us communicate with customers, measure the effectiveness of our communications, and, where permitted, provide relevant information about Frugal Haven’s products and services.
• Professional and Business Service Providers: Organizations that provide legal, accounting, consulting, auditing, compliance, administrative, and other professional services.

We require our service providers and data partners to handle information in accordance with applicable contractual requirements, applicable law, and appropriate security and privacy practices. Depending on the nature of the service, these partners may have access to information only as necessary to perform services for Frugal Haven or to fulfill another permitted business purpose.

Frugal Haven does not authorize our data partners to use your personal information for purposes that are inconsistent with this Privacy Policy or applicable law. Some partners may have their own privacy policies governing information they collect or process directly, and we encourage you to review those policies when appropriate.

We may also disclose information to additional third parties when you direct us to do so, when you provide consent, when necessary to provide a requested service, or when otherwise permitted or required by law.

Other Reasons to Collect Information

In addition to the purposes described in this Privacy Policy, Frugal Haven may collect, use, and maintain information when reasonably necessary to operate our business, provide our Services, protect our customers, and comply with applicable laws and regulations.

These purposes may include:

• Providing and Improving Our Services: To operate, maintain, personalize, troubleshoot, and improve our website, applications, products, and services.
• Customer Support: To respond to questions, requests, complaints, and other communications and to provide appropriate customer assistance.
• Security and Fraud Prevention: To protect Frugal Haven, our customers, accounts, systems, and Services from fraud, unauthorized access, abuse, security threats, and other harmful or unlawful activity.
• Legal and Regulatory Compliance: To comply with applicable federal, state, and local laws, regulations, legal processes, governmental requests, and other legal obligations.
• Business Operations: To manage our business, including accounting, auditing, recordkeeping, reporting, quality assurance, risk management, and administrative activities.
• Product Development and Research: To evaluate, develop, test, and improve existing and future products, features, tools, and services.
• Communications: To send service-related notices, account updates, security alerts, administrative messages, and other communications relevant to your relationship with Frugal Haven.
• Marketing and Promotions: Where permitted by law and consistent with your preferences, we may use information to communicate with you about Frugal Haven products, services, programs, promotions, or other opportunities that may be relevant to you.
• Protection of Rights and Property: To establish, exercise, or defend legal rights; enforce our agreements and policies; protect the rights, safety, and property of Frugal Haven, our customers, employees, and others; and investigate suspected violations.
• Corporate Transactions: In connection with an actual or potential merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or other corporate transaction, information may be reviewed or transferred as permitted by applicable law.
• Other Lawful Purposes: We may collect and use information for other purposes when permitted or required by applicable law, or when you provide appropriate authorization or consent.

We seek to collect and use information in a manner that is reasonably necessary and appropriate for the purposes described in this Privacy Policy. Where applicable law requires your consent or provides you with specific choices regarding the collection or use of your information, we will honor those requirements.

Your rights

Depending on your state of residence, you may have the right to:

• Know what personal information we collect, use and disclose
• Access and receive a copy of your personal information
• Correct inaccurate personal information
• Delete your personal information
• Opt out of the sale or sharing of personal information and targeted advertising
• Not be discriminated against for exercising these rights

California Shine the Light

If you are a California resident, California Civil Code Section 1798.83, commonly known as the “Shine the Light” law, may provide you with certain rights regarding the disclosure of your personal information to third parties for their own direct marketing purposes.

Subject to applicable legal exceptions, California residents may request information about whether Frugal Haven has disclosed certain categories of personal information to third parties for those third parties’ direct marketing purposes during the preceding calendar year.

If applicable, your request may include information about:

• The categories of personal information disclosed; and
• The categories of third parties or recipients to whom the information was disclosed.

Frugal Haven does not sell your personal information for third-party direct marketing purposes. If you have questions or would like to make a request under California’s Shine the Light law, please contact us using the contact information provided in the Contact Us section of this Privacy Policy.

We may require reasonable information to verify your identity and California residency before processing your request. We will respond to qualifying requests as required by applicable California law.

This section applies only to rights provided under California’s Shine the Light law and does not limit any other privacy rights that may be available to California residents under applicable California privacy laws.

How We Share Your Information

Frugal Haven may share information we collect about you when necessary to provide our Services, operate our business, protect our customers, comply with legal obligations, or for other purposes described in this Privacy Policy. We do not sell your personal information simply because you use our Services.

Depending on how you interact with Frugal Haven, we may share information with the following categories of recipients:

• Service Providers: We may share information with trusted companies and individuals that perform services on our behalf, such as hosting, data processing, payment processing, customer support, analytics, communications, security, fraud prevention, and technology services. These providers may access information only as reasonably necessary to perform their services.
• Financial Institutions and Data Providers: If you choose to connect a financial account or authorize a financial service, we may share or receive information as necessary to establish and maintain that connection and provide the requested service.
• Payment and Transaction Partners: We may share information with payment processors and other providers as necessary to process payments, subscriptions, refunds, transactions, and related activities.
• Business Partners: We may share information with selected business partners when necessary to provide a service you request, support a joint offering, or facilitate an activity you have authorized.
• Professional Advisors: We may share information with attorneys, accountants, auditors, consultants, insurers, financial advisors, and other professional advisors when reasonably necessary for business, legal, compliance, or risk-management purposes.
• Security and Fraud Prevention Partners: We may share information with organizations that help us detect, investigate, and prevent fraud, unauthorized activity, security incidents, and other threats to Frugal Haven or our customers.
• Government Authorities and Legal Requests: We may disclose information when required by law, regulation, court order, subpoena, legal process, or governmental request, or when we reasonably believe disclosure is necessary to comply with a legal obligation.
• Protection of Rights and Safety: We may share information when reasonably necessary to protect the rights, property, safety, or security of Frugal Haven, our customers, employees, business partners, or others; investigate potential violations; or enforce our agreements and policies.
• Corporate Transactions: If Frugal Haven is involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar business transaction, information may be disclosed or transferred as part of that transaction, subject to applicable law.
• With Your Direction or Consent: We may share information when you specifically request or authorize us to do so, or when sharing is otherwise permitted under applicable law.

Information We Do Not Share

Frugal Haven is committed to protecting the privacy and security of your information. We do not share personal information with third parties for their independent use except as described in this Privacy Policy, when you direct or authorize us to do so, or when otherwise permitted or required by law.

We may use aggregated, statistical, or de-identified information that does not reasonably identify you for purposes such as analytics, research, reporting, service improvement, and business planning.

When we share information with service providers or other third parties acting on our behalf, we take reasonable steps to require them to protect the information and use it only for authorized purposes.

Your choices regarding certain types of information sharing may be available depending on your location and applicable law. Please see the Your Choices and Privacy Rights section of this Privacy Policy for additional information.

How to make a request

Contact us at privacy@frugalhaven.com / TOLL-FREE 1 (833) 991-5551. We will verify your identity before responding. You may use an authorized agent where permitted by law.

Appeals

If we deny your request, you may appeal by contacting privacy@frugalhaven.com