THE FISCAL HUB PRIVACY POLICY This policy is effective as of: October 13, 2025 1. INTRODUCTION AND GENERAL INFORMATION The Fiscal Hub (the “Website”) is owned and operated by SBO Marketplace (referred to as “we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, and protect information that applies to our service, and your choices about the collection and use of your information. By accessing or using the Website, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy. 2. INFORMATION WE COLLECT We collect two main types of information: Personal Information and Automatically Collected Data. A. Personal Information This is data you voluntarily provide to us. – Contact/Identity Data: Your name and email address when you sign up for a newsletter, submit a comment, or use the Contact Us form. We collect this directly from you. B. Automatically Collected Data This is data gathered automatically as you navigate the site. – Log Data: Internet Protocol (IP) address, browser type, Internet Service Provider (ISP), date/time stamps, referring/exit pages, and the number of clicks. This is gathered via server logs and third-party tools (like Google Analytics). – Usage Data: Pages viewed, time spent on the site, country/location, device type (mobile, desktop), and how you interact with the content. This is gathered via Google Analytics, Google Search Console, and similar tools. 3. HOW WE USE YOUR INFORMATION We use the information we collect for the following business and commercial purposes: – To operate and maintain the Website: To display content, process comments, and ensure the site functions correctly. – To send periodic emails: If you opt-in, we use your email address to send you our newsletter, marketing materials, and updates. – To improve the Website: We analyze usage trends to understand how visitors use the site and what content is most valuable. – For Advertising and Monetization: To display personalized, contextual, and relevant advertisements via third-party services like Google AdSense. – For Security: To monitor and prevent fraud, spam, and abuse on the Website. 4. COOKIES AND TRACKING TECHNOLOGIES (GOOGLE ADSENSE AND ANALYTICS) The Fiscal Hub uses “cookies” and similar tracking technologies. Cookies are small data files stored on your device that help us: – Google AdSense/Advertising: Google, as a third-party vendor, uses cookies (specifically the DART cookie or similar technology) to serve ads based on a user’s prior visits to our site and other sites on the internet. This allows us to deliver personalized ads (interest-based advertising). – Google Analytics: This tool helps us measure and analyze traffic and usage patterns. Google may use the data collected to contextualize and personalize the ads of its own advertising network. Your Choices Regarding Cookies: You can choose to disable cookies through your individual browser options. For more detailed information about cookie management with specific web browsers, you can visit the browsers’ respective websites. You can also opt out of personalized advertising by visiting the Google Ads Settings page at: https://adssettings.google.com/authenticated. 5. DISCLOSURE OF YOUR INFORMATION We will not rent or sell your Personal Information to third parties. We may disclose your information to the following categories of third parties: – Service Providers: Third parties who perform services for us, such as hosting, data analysis, email delivery, and marketing. These parties will only access your Personal Information to perform these tasks on our behalf and are obligated not to disclose or use it for other purposes. – Advertising Partners (e.g., Google AdSense): As mentioned above, data is shared with Google to facilitate the serving of ads on the Website. – Legal Compliance: We may disclose your information if required to do so by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with the law and the reasonable requests of law enforcement; (b) enforce our Terms of Use or to protect the security or integrity of our Service; and/or (c) exercise or protect the rights, property, or personal safety of The Fiscal Hub, our users, or others. 6. SECURITY We use commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your Personal Information. However, no security system is impenetrable, and we cannot guarantee the security of our systems 100%. 7. CHILDREN’S PRIVACY The Website is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13 without verifiable parental consent, we will take steps to remove that information from our servers. 8. YOUR PRIVACY RIGHTS (GDPR & CCPA) If you are a resident of the European Economic Area (EEA) or California, you have certain rights regarding your Personal Information: – Right of Access (The right to know): You can request copies of your Personal Information we hold. – Right to Rectification: You can request that we correct any information you believe is inaccurate or incomplete. – Right to Erasure (The right to delete): You can request that we delete your Personal Information, subject to certain exceptions. – Right to Opt-Out of Sale/Sharing (CCPA/CPRA): We do not sell or share your Personal Information in exchange for monetary compensation. However, we do use third-party advertising, which may be considered a “sale” or “sharing” under California law. You may opt-out of this tracking by using the Google Ads Settings page referenced in Section 4. To exercise any of these rights, please contact us using the information in Section 9. 9. CONTACT US If you have any questions about this Privacy Policy or the Website’s data practices, please contact us: – Via the Contact Us Page: https://thefiscalhub.net/contact-us/ – By Email: Sbomarketplaceapp@gmail.com
