Privacy Policy

1. Information We Collect

We collect information in two ways: information you provide directly, and information collected automatically when you visit our site.

Information You Provide

• Email address — when you subscribe to our newsletter or contact us through our contact form.
• Name — optionally, when you submit a contact form or subscribe.
• Message content — when you contact us directly through our contact form.
• Subject line and inquiry type — to route your message appropriately.

Information Collected Automatically

• Usage data — pages visited, time spent, links clicked, and general navigation patterns.
• Device information — browser type, operating system, screen resolution, and device type.
• IP address — used to determine approximate geographic region (country/city level only) for analytics.
• Referral source — how you arrived at our site (search engine, social media, direct link, etc.).

Calculator & Tool Data

Any data you enter into our free calculators (such as income, debt amounts, or investment values) is processed entirely in your browser. This data is never sent to our servers. Net worth snapshot data may be stored locally in your browser's localStorage — it never leaves your device.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Sending our newsletter — delivering weekly financial education content you've subscribed to receive.
• Responding to inquiries — replying to messages submitted through our contact form.
• Site analytics — understanding which content is most useful so we can improve it.
• Technical improvements — identifying and fixing site performance or usability issues.
• Legal compliance — fulfilling any legal obligations or responding to lawful requests.

We do not use your information for advertising, profiling, or any purpose other than those listed above.

3. Information Sharing & Disclosure

We may share your information only in the following limited circumstances:

• Service providers — trusted third-party companies that help us operate our site, such as email delivery services (e.g., Mailchimp or ConvertKit) and website hosting. These providers are contractually obligated to protect your data and may not use it for their own purposes.
• Legal requirements — if required by law, subpoena, court order, or to protect the rights, property, or safety of 3PillarsHub, our users, or the public.
• Business transfers — in the event 3PillarsHub is acquired or merged with another entity, your information may be transferred as part of that transaction. We will notify you via email and a prominent notice on this site before such a transfer occurs.

4. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience and gather analytics data.

Types of Cookies We Use

• Essential cookies — required for the site to function properly (e.g., session management).
• Analytics cookies — help us understand how visitors interact with our site (e.g., Google Analytics). This data is aggregated and anonymized.
• Preference cookies — remember your settings to improve your return visits.

Your Cookie Choices

You can control and manage cookies through your browser settings. Most browsers allow you to refuse or delete cookies. Note that disabling certain cookies may affect the functionality of parts of this site. You can also opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

5. Email Communications

If you subscribe to our newsletter, you will receive weekly emails containing financial education content, articles, and updates about 3PillarsHub.

• You can unsubscribe at any time by clicking the "Unsubscribe" link at the bottom of any email we send.
• We will never send you unsolicited commercial emails or share your email address with third-party marketers.
• We may send occasional transactional or service-related messages (such as confirming your subscription or responding to a contact form submission).
• After unsubscribing, we will retain your email address in a suppression list to ensure we do not accidentally contact you again.

6. Data Security

We take reasonable technical and organizational measures to protect your personal information against unauthorized access, loss, destruction, or alteration. These measures include:

• HTTPS encryption for all data transmitted between your browser and our servers.
• Access controls limiting who within our organization can access personal data.
• Regular review of our data collection and storage practices.
• Use of reputable, security-vetted third-party service providers.

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security. In the event of a data breach affecting your rights, we will notify you as required by applicable law.

7. Your Rights & Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access — You may request a copy of the personal information we hold about you.
• Correction — You may request that we correct inaccurate or incomplete information.
• Deletion — You may request that we delete your personal information. We will honor such requests unless we are required to retain the data by law.
• Opt-out — You may opt out of email communications at any time by unsubscribing.
• Portability — You may request a copy of your data in a machine-readable format.
• Objection — You may object to certain types of processing, such as analytics tracking.

To exercise any of these rights, contact us at hello@3pillarshub.com. We will respond within 30 days.

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. As stated above, we do not sell personal information. To exercise your CCPA rights, contact us at the email above.

European Residents (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR). Our legal basis for processing your data is your consent (for newsletters) and legitimate interests (for analytics). You may withdraw consent at any time by contacting us.

8. Third-Party Links

Our website may contain links to third-party websites, tools, books, or resources that we reference for educational purposes. These links do not constitute an endorsement or sponsorship.

We are not responsible for the privacy practices or content of third-party sites. We encourage you to review the privacy policies of any external sites you visit. Clicking on third-party links and navigating away from 3PillarsHub is done at your own discretion.

9. Children's Privacy

3PillarsHub is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at hello@3pillarshub.com and we will promptly delete such information.

Users between the ages of 13 and 18 should review this policy with a parent or guardian before providing any personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we do, we will:

• Update the "Last Updated" date at the top of this page.
• Notify newsletter subscribers via email of any material changes.
• Post a notice on our homepage for 30 days following material changes.

We encourage you to review this policy periodically. Your continued use of 3PillarsHub following the posting of changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out: