Decrease workforce turnover by eliminating their #1 stressor

At Budget Captain, we empower your workforce to bring their best by leaving their money stress behind. We provide more than just educational tools; we transform their behavior towards money and guide them along a proven path to building long-lasting habits.

© 2023 Budget Captain LLC

What we do & Why it matters

We let our clients do the bragging. Hear what they have to say!

Garrett & Kiera

Delaware


Being newlyweds, Garrett and Kiera were not on the same page financially. They're now sync'd up with seamless communication and have improved their monthly savings rate from $1500 to $5000!

Christian & Zu

Colorado


Christian and Zuleika went from living paycheck to paycheck to paying off $20k in credit card debt!

Cody

South Carolina


Cody thought he had a good handle on his money but figured out he could do much better. After learning how to get back on track, he was able to purchase his 1st investment home soon after!

Jeff & Jeanne

California


Jeff and Jeanne were stuck in a hamster wheel of debt and couldn't find a way to get out of it. They were able to finally pay off all their credit card debt and are now close to purchasing a new home and starting a family!

Steve & Tina

California


Steve and Tina were exhausted trying everything under the sun in order to manage their daily finances. They were able to get organized and paid off $22k in credit card debt in 6 months!

Jonah

California


Jonah's relationship with money was causing him a lot of stress. Ever since addressing the root cause of his money stress, he's been able to finally discuss money with his wife (something they haven't done before).

Tiffany

Oklahoma


Tiffany used to stress about anything and everything when it came to her personal finances. Today, she no longer fears it and is now more confident than ever to provide for her and her children.

Alicia

Illinois


Alicia no longer needs to dip into her savings account on a monthly basis and is able to comfortably live within her means. Her stress level has decreased significantly and she can now focus on excelling in medical school!

Gabriel

Colorado


Gabriel was able to repair the broken relationship he had with money and it resulted in him increasing his savings rate from $500 to $2200 a month!

Athena

Colorado


Athena is now credit card debt free after being in debt for over 20 years! She had a huge weight on her shoulders and it has been completely lifted!

Drew & Howard

Wisconsin


Drew & Howard were able to address the root cause of their money stress. This resulted in Drew saving more than he has ever before and Howard paying off all $9k of his credit card debt!

TJ & Nadine

Massachusetts


TJ and Nadine's stress decreased and mental clarity improved. They have now tripled their monthly savings rate and are now confident about their future moving forward!

Fenil

Georgia


Fenil was frustrated due to the lack of transparency when it came to his finances. He now has a renewed mindset and is saving $1800 more a month because of it.

Chad & Khrystian

Colorado


Chad and Khrystian regained control of their finances and built up their emergency savings in 6 months! They now have a lot more confidence in where their money goes.

Travis

California


Travis: "The Budget Captain changed my life forever". He now has a firm grip on his finances unlike before.

Sterling

Missouri


Sterling's stress level when it comes to money reduced by 65% and his confidence and spending habits have increased significantly as a result.

Trent

New Mexico


Trent suffered through years of being in credit card debt and unable to get out of the sinking ship. He's now credit card debt free and accomplishing goals that he never thought was possible.

Cameron

Nevada


Cameron has always struggled with looking at his bank account. He also struggled to save consistently. Today, he has now gained the freedom to take control of his spending habits once and for all!

Eric

Kentucky


Life is already hectic for a soon to be family of 8! Eric and his family were able to get their finances in order so it's not another added stressor to an already full plate!

Joshua

Texas


Joshua relieved a lot of stress by paying off all of his credit card debt and is on way to saving $100k over the next 3 years. He was able to purchase his 1st home as well!

Mike & Adrienne

New York


Mike and Adrienne realized they could be doing better with their own money. They ended up increasing their monthly savings rate by 600%!

Tyler

Texas


Tyler: "Reaching out to the Budget Captain was the best gift that I've ever given myself"

Michael & Crystal

Colorado


Michael and Crystal were constantly stressed trying to pay over $500/month in interest alone on their credit card and there was no end in sight. After full dedication and hard work, they paid off $21k in 10 months!

Josh

Mississippi


Josh lacked a lot of clarity and direction when it came to his personal finances. He now has a clear head and purpose moving forward!

Blake

Florida


Blake was able to establish a firm financial foundation through Budget Captain that gave him the opportunity to build a multi-million dollar real estate portfolio.

The Budget Captain story

Dave Won
Founder & CEO of Budget Captain
United States Air Force Academy, BS, 2010
Indiana University, MBA, 2013

Terms & ConditionsACCEPTANCE OF TERMSBy accessing, downloading, installing, visiting or using the Budget Captain LLC services (the “Services”), whether or not you become a registered user (“User”, “You”, “Yourself”, “Your”), you signify your agreement to (1) these terms and conditions (the “Terms of Service”), (2) our privacy notices and policies, found on the site (the “Site”) and incorporated herein by reference, (3) our Community Guidelines, and (4) our Services, all of which are found at the Site and incorporated herein by this reference. Collectively, these terms and conditions, the privacy notice, Community Guidelines and Services & Pricing are also referred to and treated as Terms of Service. You acknowledge that You have read and understood. If you do not agree to any of the Terms of Service, please do not use the Service.In your use of the Site and Service, you shall comply with all applicable laws. In other words, you may NOT use the Site or Services for any unlawful, illegal or, in our judgment, immoral purpose. If we determine that you are violating any provision of the Terms of Service, we reserve the right to terminate and deny you access and use of the Site and Services.Although we may attempt (but are not obligated) to notify you when changes are made to these Terms of Service, you should periodically review the most up-to-date version at the Site, because you hereby agree to abide by and honor the most up-to-date version of the Terms of Service. By each use of the Site or Services, you agree to be bound by the latest version of these Terms of Service, privacy notices and policies, Community Guidelines and Services & Pricing. Company may, in its sole discretion, modify or revise these Terms of Service and policies at any time, and you agree to be bound by such modifications or revisions. Nothing in these Terms of Service shall be deemed to confer any third-party rights or benefits.You must review these Terms at www.budgetcaptain.co on a regular basis to keep Yourself informed of any changes.All persons are denied access to this Site unless they read and accept the Terms Of Service and the Privacy Policy.YOUR ACCEPTANCE OF THESE TERMS OF USEThese Terms of Use apply to all users of this Site, whether or not You are a registered member. By viewing, visiting, using, or interacting with this Website or with any banner, pop-up, or advertising that appears on it, You are agreeing to comply with and be bound by these Terms of Use. If You do not agree to these Terms of Use, You may not access or use this Site, Services or Products. If You are under 18, You may only use this Site or the Products with the involvement of a parent or legal guardian.YOUR ACCEPTANCE OF OUR PRIVACY POLICY.By agreeing to these Terms of Use, you are agreeing to all the provisions of this Terms Of Service Policy and the Privacy Policy on our site. All personal information provided to us as a result of Your use of this Site will be handled in accordance with our Privacy Policy.YOUR ACCEPTANCE OF OUR IMAGE POLICYThe Company utilizes images for the promotion of products and services. In most cases, these images are public domain and allow the Company to use them in the promotion of products without obtaining the written consent of the owner. Images may include pictures, imagery, business listings, reviews and other items. Most images are granted a “Fair Use” license. Fair Use is defined by United States copyright law which allows the use of copyrighted work in certain ways without obtaining a license from the copyright holder.The Company does not assert copyright or grant any rights to the underlying images provided through the Services. Any use of these images and descriptions are subject to the copyright owner’s permission and/or the requirements of applicable law.While the Company makes every effort to ensure that images are accurate, it cannot accept responsibility for any errors and is not liable for any errors.YOUR ACCEPTANCE OF OUR TESTIMONIAL POLICYThe Company utilizes testimonials & success stories for the promotion of products and services. In most cases, these testimonials are public domain or have been shared via email and allow the Company to use them in the promotion of products with obtaining the written consent of the owner. Information including but not limited to first and last names, images, locations, businesses, stories may be shared. Most testimonials are granted a “Fair Use” license. Fair Use is defined by United States copyright law which allows the use of copyrighted work in certain ways without obtaining a license from the copyright holder.The Company does not assert copyright or grant any rights to the underlying testimonials provided through the Services. Any use of these testimonials and descriptions are subject to the copyright owner’s permission and/or the requirements of applicable law.While the Company makes every effort to ensure that images are accurate, it cannot accept responsibility for any errors and is not liable for any errors.If you find an error or would like information updated or hidden, please contact the company at hello@budgetcaptain.co.OWNERSHIP OF SITE AND PRODUCTSThe Company owns and operates this Site and the information, materials, product names and services available on it. The Company also owns the Products and the information and materials available in connection therewith. All content including, but not limited to, content on this website, content sent to our email list, content sent via direct message, content provided via phone call, video message, webinar or online coaching, or content hosted at or used by, or services provided using, any social media accounts that Budget Captain LLC or David Won may have, including all text, graphics, photographs, images, data compilations, audio, buttons, icons, video, logos, and other multimedia and text (collectively, the “Content”) is the property of the Company, its licensors, or its content suppliers and is protected by U.S. and international copyright and trademark laws. The compilation (collection, arrangement, and assembly) of all Content on this Site or contained in the Products is the exclusive property of the Company and is protected by U.S. and international copyright laws. All software used on this Site is the property of the Company or its suppliers and is protected by U.S. and international copyright laws.You do not acquire any ownership rights to this Site and its Content, the Products, or any intellectual property, trademarks, or logos of the Company by Your use of this Site or the Products. You acknowledge that this Site and its contents and the Products are valuable commercial assets which the Company has expended substantial time and resources to develop. You expressly agree that the Company and its affiliates retain all ownership rights to this Site and its contents, to the Products, and to any intellectual property, trademarks, or logos of the Company.LIMITED USE OF SITE AND PRODUCTSYou are hereby granted a limited, revocable, non-exclusive right to access and use this Site and the Products subject to the limitations set forth herein.Use of Site. You are responsible for all activities that occur with the use of Your account and password. You agree to provide true, accurate, current and complete information about Yourself including, but not limited to, credit card information and electronic mail address, and to maintain and update this information to keep it true, accurate, current and complete. Upon expiration of Your credit card, You shall notify the Company of the new credit card expiration date and all other relevant new information pertaining to the new credit card.This Site is intended for personal use only, and You may not use this Site or any of its Content for the benefit of any other company or merchant. You may not use any data mining, robots, or similar data gathering and extraction tools on this Site or its Content. You may not reproduce, duplicate, copy, visit, or otherwise exploit this Site or its Content for any commercial purpose other than as expressly allowed under these Terms of Use or without express written consent of the Company.User posted content. You shall not upload, post, transmit, share, store or otherwise make available any content to this Site that the Company deems, in its sole and absolute discretion, to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, negative, hateful, or racially, ethnically or otherwise objectionable. You are solely responsible for any content that You upload, publish or display, or transmit to or share with third-parties through this Site or our communities. You may not post, transmit, or share any such content that You did not create or that You do not have permission to post. You understand and agree that the Company may, but is not obligated to, review any such content and may delete or remove (without notice) any such content in its discretion, for any reason or no reason, including content that in the sole judgment of the Company violates these Terms of Use.Any communication or material of any kind that You email, post or otherwise transmit through this Site, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary. The Company is free to use any ideas, concepts, know-how or techniques contained in Your communications for any purpose including, but not limited to, developing and marketing products using such information without compensation to You.Use of Products. You may not reproduce, republish, resell or undertake any such similar use of the Products. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Company and our affiliates without a specific license to do so. You may not use any meta tags or any other “hidden text” utilizing the Company’s name, logo or trademarks without the express written consent of the Company.Any unauthorized use of the Site or the Products automatically terminates the permission or license granted by the Company herein.FEES AND PAYMENTPrices and availability for Products are subject to change without notice. If You provide us with a credit card that expires during the term of these Terms of Use, we reserve the right to charge any renewal card issued to You as a replacement. You agree to promptly pay the Company in the event of any refusal of Your credit card issuer to pay any amount to the Company for any reason. Payments returned for insufficient funds shall be charged fees as allowed by law.If you have agreed to monthly payments, You hereby authorize the Company to draw an annual or monthly automatic recurring payments from Your credit card, covering all monthly dues and all other applicable payments for your subscription. If you elect an annual payment option, your payment for that year is charged upfront for your annual subscription. One (1) year from the month of purchase you authorize the Company to automatically charge the annual renewal for continued service. Thirty (30) days prior to the automatic renewal date, annual subscribers can request in writing to convert their annual subscriptions to month-to-month subscriptions.All month-to-month subscriptions will renew automatically on a month-to-month basis, and monthly recurring payments, where applicable, will continue until notice of cancellation is received. All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities, and You shall be responsible for payment of all such taxes, levies, or duties.The Company reserves the right to revoke access to all products if the balance is overdue or invoices are not paid in full. If for any reason You default on your contracted payment obligations, You hereby authorize the Company or its assignee to collect the outstanding monies, plus service charges and interest, in any method available to the Company. You shall indemnify the Company for all collection or legal fees incurred by it in order to satisfy Your payment defaults.As referenced above, if you have agreed to annual payments for your subscription, You hereby authorize Company to withdraw payments annually from Your credit card, covering the discounted annual fee and all other applicable payments for Your Service.Billing Cycle. The membership fee for service or any other charges you may incur in connection with your use of the service, such as taxes and possible transaction fees, will be automatically charged on a monthly, quarterly or annual basis depending on your billing cycle to your Payment Method on the calendar day corresponding to the commencement of the paying portion of your membership until your membership is canceled. To cancel your subscription, submit a ticket at hello@budgetcaptain.co.Monthly Subscriptions automatically renew each month at the stated retail price until the subscription buyer notifies the company by email that they wish to cancel.Annual Subscribers will be notified via email prior to renewal and the annual subscription will automatically renew each year at the stated retail price until the subscription buyer notifies the company that they wish to cancel.Membership fees are fully earned upon payment. In some cases your payment date may change, for example if your Payment Method has not successfully settled or if your paid membership began on a day not contained in a given month. We may authorize your Payment Method in anticipation of membership or service-related charges through various methods, including authorizing it up to approximately one month of service as soon as you register.PROMOTIONAL CODESFrom time-to-time the Company will offer promotional codes for its various products and services, including ones where you must redeem a promotional code as part of the offer and where no alternative terms and conditions apply.Promotional Codes are limited time offers;The Company reserves the right to modify or cancel the offer at any time, regardless of whether you receive the code directly from the Company or from a third party;Offers are only good for the time period listed;Offers are limited to one per customer and/or account;Promotional codes only apply to qualifying items;Shipping and taxes may apply;Promotional Codes are not transferable and may not be resold;Violations of the Company’s Terms & Conditions will make the promotional code invalid.SERVICE AND PASSWORD SECURITYYou are responsible for maintaining the confidentiality of Your Service password, and are responsible for all activities that occur under Your Service. You agree to immediately notify Budget Captain LLC of any unauthorized use of Your password or Service or any other breaches of security, which includes but is not limited to computer viruses, trojan horses, spyware, malware, adware, hacking, and other malicious or unwanted means expressly or impliedly prohibited by, or inconsistent with, any provision of this Agreement.Budget Captain LLC reserves the right to revoke access to the Service, at its sole option and discretion and without notice to You, if any misuse or foul play occurs or is suspected within the system.Budget Captain LLC will not be liable for any loss or damage arising from Your failure to provide us with accurate information or to keep Your password secure.DISCLAIMERSRepresentation or Warranties Disclaimer. The information on www.budgetcaptain.co is “as is” and makes no representations or warranties, express or implied, with respect to the Content provided on this website or on any third-party website which may be accessed by a www.budgetcaptain.co from this Web site, including any representations or warranties as to accuracy, timeliness, or completeness. Budget Captain LLC will not be liable for any losses, injuries, or damages from the display or use of this information.Omissions, Errors, or Mistakes Disclaimer.

All information on this website is accurate and true to the best of Budget Captain LLC’s knowledge, but that there may be omissions, errors or mistakes. Budget Captain LLC is not liable for any damages due to any errors or omissions on the website, delay or denial of any products, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures or misuse of information or products.No Professional-Client Relationship. Your use of the Content is at your own risk. Budget Captain LLC does not guarantee any results from using the Content and it is for educational purposes ONLY. It is your responsibility to do your own research, consult, and obtain a professional for your medical, legal, financial, health or other help that you may need for your situation.No financial advice. Budget Captain LLC or David Won are not a financial professionals, a financial advisor, portfolio manager, or accountant. None of the information on this website or created by Budget Captain and posted to another website shall be considered financial advice, investing advice, or tax advice. Any information created The information on this website is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns.Affiliates Disclaimer. Some of the links on this website are affiliate links. That means if you click on any such link and purchase the item, Budget Captain LLC receives an affiliate commission. Please note, Budget Captain only recommends products or services that will add value to you. Budget Captain LLC discloses this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising. If an affiliate link is listed, Budget Captain LLC will disclose it to you at the bottom of each blog post, page, or email newsletter, if applicable.Sponsored posts disclaimer. Budget Captain LLC is compensated or given products for free to provide opinion on products, services, websites and various other topics. Even though Budget Captain LLC receives compensation for our posts and/or advertisements, Budget Captain LLC always gives our honest opinions, findings, beliefs, or experiences on those topics, events, or products. Even if a post is sponsored, the views and opinions expressed on the sponsored post are purely Budget Captain LLC’s.LIMITATION OF LIABILITYTO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS WE, ON BEHALF OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, LICENSORS AND SERVICE PROVIDERS, EXCLUDE AND DISCLAIM LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, GENERAL, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES; LOSS OF USE; LOSS OF DATA; LOSS CAUSED BY A VIRUS; LOSS OF INCOME OR PROFIT; LOSS OF OR DAMAGE TO PROPERTY; CLAIMS OF THIRD PARTIES; OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE. You ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACKUP AND VIRUS CHECKING AS You CONSIDER NECESSARY. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR ANY OTHER BASIS.INDEMNITYYou hereby expressly agree to indemnify, defend, and hold harmless the Company, its officers, directors, managers, employees, shareholders, members, agents, providers, merchants, sponsors, licensors, suppliers, and affiliates from and against all claims, actions, demands, judgments, losses, and liabilities (including, without limitation, costs, expenses and attorneys’ fees) by You or any third-party resulting or arising, directly or indirectly, out of: (a) Your use of this Site and/or the Products, (b) Your violation of any federal, state or local laws, regulations or requirements (including, without limitation, relating to use of personal information, privacy, or direct mailing), or (c) Your violation of these Terms of Use.LEGAL RELATIONSHIPNothing in these Terms of Use creates the relationship of principal and agent, partner, or joint venture. Neither You or the Company may represent itself as having any authority to make contracts or enter into any agreements in the name of the other. In connection with Your use of this Site and the Products, You shall not represent Yourself as having any license, knowledge, experience or capacity which You do not have. You agree that You shall be fully responsible for any and all actions, inactions or other business dealings You or any third-parties undertake in connection with, or arising out of, Your use of this Site or the Products, and the Company shall not be liable to You or any third-party in any manner in connection therewith.Your use of the Content does not create an attorney-client relationship between you, David Won or anyone affiliated with Budget Captain LLC. It is your responsibility to seek the advice of a competent attorney admitted or authorized to practice in your jurisdiction.GOVERNING LAW, JURISDICTION AND VENUEAny claim relating to this Site or the Products shall be governed by the internal laws of the State of Iowa, without reference to its choice of law provisions. Any dispute relating in any way to Your use of this Site or the Products must be submitted to confidential binding arbitration in Iowa, except that, to the extent You have in any manner violated or threatened to violate the Company’s intellectual property rights, the Company may seek injunctive or other appropriate relief in any state or federal court, and You consent to the exclusive jurisdiction and venue in such courts. Arbitration under these Terms and Conditions shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under these Terms of Use shall be joined to an arbitration involving any other party subject to these Terms of Use, whether through class arbitration proceedings or otherwise.WAIVEROur failure at any time to require performance of any provision of these Terms of Use or to exercise any right provided for herein will not be deemed a waiver of such provision or such right.MODIFICATION AND SEVERABILITYThe Company reserves the right to make changes to this Site, the Products, and these Terms of Use at any time. Your continued use of this Site and/or the Products shall be deemed to be Your continued acceptance of the Terms of Use as amended, if applicable. If any provisions herein shall be deemed invalid, void, or unenforceable for any reason, such provisions shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.ENTIRE AGREEMENTThese Terms of Use (together with our Privacy Policy and any click-through agreements applicable to You) represent the entire agreement between the parties with respect to the subject matter thereof, and supersedes all previous agreements, whether oral or written.Updated: October 14, 2022PRIVACY POLICYYou can see our Privacy Policy here (https://budgetcaptain.co/#privacypolicy)EXCEPTIONS TO PRIVACY POLICYWhile we are committed to keeping Your information secure and private (to ensure the overall integrity and confidentiality of the data), we have the following exceptions to our privacy policy: We will release specific information about You or Your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Sites, or a physical or property threat to You or others. We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change.We will share personal information with our partners, affiliates or other trusted businesses to market relevant educational products and services – including telephone solicitations. The trusted partners are bound by confidentiality agreements, and don’t have any independent right to share Your personal information. Students have the express right to limit (or eliminate) the sharing of information using the opt-out procedure described below. Also, please write to us to obtain a list of our trusted partners.Further, the information you enter when making a purchase or an online donation will be shared with payment processors, financial gateways, and Your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose or carrying out the transactions. Please note that if You give out personal information online through a discussion board or posting site, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of information You post in these forums. You disclose such information at Your own risk.MISCELLANEOUSThese terms will be governed by and construed in accordance with the laws of the State of Iowa, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in the State of Iowa. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these terms of use on our Sites.CONTACT USIf You have any questions about this Privacy Policy, please feel free to write to us at hello@budgetcaptain.co© 2022 Budget Captain LLC. All Rights Reserved.

Privacy PolicyThis Privacy Policy describes the information that Budget Captain LLC (“we”, “us”, “our”) collects through its website located at www.budgetcaptain.co. Please read through the content of this Privacy Policy carefully and ensure that you understand it. If you do not understand the content of this Privacy Policy or do not accept or agree with it then you must stop using the website at www.budgetcaptain.co immediately.Budget Captain LLC collects and holds information about individuals (including clients, persons associated with or employed by clients, customers or business contacts) for the purpose of providing financial education across the world.What information do we collect and how do we collect it?We may collect personal and non-personal information that you provide to us. Personal information is information that can be used to directly or indirectly identify an individual. The types of personal information collected may include, but is not limited to, your name, email address, phone number or business contact details, correspondence address and billing information. You may provide information to us by subscribing to our email list or requesting information through our contact form. Personal information also includes any comments, images, documents or videos that you provide or share on our website or any of our pages or other online platforms.How do we use your information?We will use your information to provide financial education across the world, provide specified services that you request from us, to raise awareness about recent business related developments, or to provide you with information or event details that we feel may be of relevance or interest to you.Does Budget Captain LLC share personal information with anybody else?We respect your right to privacy and will not disclose, share, sell or rent any personal information held about you without your consent, except to external service providers who have been engaged by us to assist in the provision of services to our clients and customers.Where we have outsourced a function or activity to an external service provider we will only disclose personal information that the service provider needs to undertake that function or activity, and we require external service providers to agree to keep your personal information secure and we enter into confidentiality agreements for this purpose.We will share your personal information where we are under a duty to do so in order to comply with any legal requirements or obligations, any request from the government, or where it is necessary in order to enforce or protect our own rights, your safety or that of others, or where it is deemed necessary to investigate fraud.Your rights in relation to the information we holdYou have a right to access your information and to rectify any part which is inaccurate or incorrect. You also have a right to ask us to delete any information we hold about you or to restrict how your information is processed. If you wish to request a copy of the information we hold about you or make any changes then please contact us at hello@budgetcaptain.co. It is important to us that the information we maintain and use is accurate, complete and up-to-date. If at any time your personal details change, please let us know so we can update our records.How and where do we process your information?Any personal information that we collect will be processed and stored securely. We will not keep information for longer than is required with regard to the purpose for which it was collected and will take reasonable steps to destroy or permanently de-identify your personal information when it is no longer required.This website is located within and operates from the United States of America and the relevant laws of the United States and Iowa will apply to all matters arising from your use of this website or in any way connected with this website.Any personal information that we collect will be held within the United States.If you are accessing this site from outside of the United States you acknowledge and agree that any personal information you provide will be processed as set out in this Privacy Policy and will be processed in accordance with the laws of the United States which may be less stringent than the legal requirements in your own country.Data securityWe take the protection of your personal information seriously and have taken suitable and reasonable steps to protect the personal information we hold from misuse, loss, unauthorized access, and any modification or disclosure. If you are submitting personal information over the internet that you wish to remain private, please note that while attempts are made to secure information transmitted to this site, there are inherent risks in transmitting information across the internet and we are unable to guarantee its security. If you prefer, you can contact us by alternative means using phone or mail.Links to other sitesThe website at www.budgetcaptain.co may contain links to other sites. We are not responsible for the privacy practices of those web sites and have no knowledge of whether cookies or other tracking devices are used on any such linked sites. If you have any concerns regarding the privacy of your information you should ensure you are aware of the privacy policies of those sites before disclosing any personal information.PaymentsWhere you provide us with sensitive personal information such as your credit card or other financial details we will encrypt that information. We do not store credit card details.ChildrenThis website is not intended to be accessed by visitors under the age of 13 and consequently we do not intentionally collect information from any visitor who is under the age of 13. In the event we discover that a person under the age of 13 has accessed our site and provided personal information then we shall attempt to delete and/or destroy such information as soon as possible.Further InformationIf you have any questions about this Privacy Policy or require more information concerning our privacy practices please contact us at hello@budgetcaptain.coChanges to the Budget Captain LLC Privacy PolicyThis privacy policy is accurate as of October 14, 2022. We reserve the right to alter or amend it without notice. Should the Privacy Policy be altered, the new policy will be posted on the website at www.budgetcaptain.co. Your first use of our website after the date of any amendments or alterations will constitute your acceptance of such changes therefore we recommend you review this Privacy Policy regularly to keep informed of any changes.