Privacy Policy

Effective Date: February 13, 2026

VDL Financial Group LLC d/b/a Saver Street (“Saver Street,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website and interact with our services (the “Services”).

By using our Services, you agree to the practices described in this Privacy Policy.

We do not sell your personal information/data to third parties.

1. Information We Collect

We collect information in two ways: (A) information you provide voluntarily and (B) information collected automatically when you use our Services.

A. Information You Provide Voluntarily

Depending on how you interact with us, you may provide:

Contact information, such as your name, email address, mailing address, and phone number.
Account and profile information, if you create an account or register for an offering.
Payment information, if you purchase a product or service (note: payments are typically processed by third-party payment processors; we may receive limited details such as payment status and transaction identifiers).
Communications, such as messages you send to us, customer support requests, survey responses, testimonials, or comments.
Other information you choose to provide, including information you submit through forms, sign-ups, or bookings.

B. Information Collected Automatically

When you access or use our Services, we (and our third-party service providers) may automatically collect:

Device and usage information, such as browser type, operating system, device identifiers, referring/exit pages, pages viewed, links clicked, time spent on pages, and the date/time of visits.
Log data, including IP address and server logs.
Approximate location information, such as city/state derived from your IP address.
Cookies and similar technologies, described further below.

2. How We Use Your Information

We use the information we collect for purposes such as:

A. Service Delivery

Provide, operate, and maintain our Services.
Respond to inquiries and provide customer support.
Process transactions and deliver purchased products or services.
Send administrative messages (e.g., confirmations, updates, security notices).

B. Marketing and Communications

Send newsletters, promotions, and other marketing communications (where permitted by law).
Personalize content and recommendations.
Measure the effectiveness of marketing campaigns.

You can opt out of marketing emails by using the “unsubscribe” link in the email or by contacting us.

C. Business Operations and Improvement

Analyze usage and trends to improve our website, content, and offerings.
Maintain internal records, auditing, and reporting.
Detect, prevent, and address fraud, abuse, security incidents, and technical issues.
Enforce our agreements and comply with legal obligations.

3. Cookies, Pixels, and Tracking Technologies

We use cookies, pixels, tags, and similar technologies to operate our Services, understand usage, and support marketing.

A. What These Technologies Do

Cookies are small files stored on your device that help websites remember preferences and understand how users interact with the site.
Pixels/tags (also called web beacons) are small pieces of code that can measure engagement and help deliver or measure ads.

B. Types of Cookies We May Use

Essential cookies: needed for the website to function properly.
Analytics/performance cookies: help us understand how visitors use the site so we can improve it.
Functional cookies: remember preferences (if applicable).
Advertising/marketing cookies: help deliver or measure marketing (if used).

C. Third-Party Tools (Example: Google Analytics)

We may use third-party analytics tools such as Google Analytics to help us understand website traffic and usage. These tools may collect information sent by your browser or device, including cookies and IP address (which may be truncated or processed depending on configuration and applicable law).

We use these tools for our own business operations (analytics, performance measurement, and improving our Services). We do not share personal information with these providers for their independent marketing purposes. They may, however, process information on our behalf in accordance with their terms and our instructions.

To learn more about Google Analytics, you can review Google’s policies and available opt-out options (such as browser add-ons) provided by Google.

D. Your Choices

Most browsers allow you to control cookies through settings (including deleting or blocking cookies). If you block certain cookies, some parts of the Services may not function properly.

4. Disclosure of Information

We may disclose information we collect as follows:

A. Affiliates

We may share information with our affiliated entities for business and operational purposes.

B. Service Providers

We may share information with vendors and service providers that perform services on our behalf, such as:

Website hosting and IT support
Payment processing
Email and communication platforms
Analytics and marketing tools
Scheduling/booking tools
These providers are permitted to use information only as needed to provide services to us and for legitimate business purposes consistent with this Privacy Policy.

C. Legal Requirements and Protection

We may disclose information if we believe it is necessary to:

Comply with applicable laws, regulations, legal processes, or government requests
Enforce our terms and agreements
Protect the rights, property, and safety of Saver Street, our customers, or others
Detect and prevent fraud or security issues

D. Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, dissolution, or sale of assets, information may be transferred as part of that transaction.

5. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect information. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Children’s Privacy (COPPA)

Our Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided personal information to us, please contact us and we will take steps to delete such information.

7. GDPR Rights (EU/EEA Visitors)

If you are located in the European Union or European Economic Area (EU/EEA), you may have certain rights under the General Data Protection Regulation (GDPR), including:

Right of access to your personal data
Right to rectification (correct inaccurate or incomplete data)
Right to erasure (delete your data in certain situations)
Right to restrict processing in certain situations
Right to data portability (receive a copy of your data in a usable format)
Right to object to certain processing, including some marketing
Right to withdraw consent, where processing is based on consent

Legal Bases for Processing (GDPR)

Depending on the context, we process personal data under one or more of these legal bases:

Consent: when you opt in to receive marketing communications or where consent is required by law (you can withdraw consent at any time).
Contract: when processing is necessary to provide requested Services or perform a contract with you (for example, delivering products/services you purchase or administer your account).
Legitimate Interests: when we have a legitimate business reason to process your data (for example, improving the Services, analytics, maintaining security, preventing fraud, and marketing where permitted by law) and those interests are not overridden by your rights.

We may also process personal data to comply with legal obligations where applicable.

Exercising GDPR Rights / Complaints

To exercise these rights, contact us using the information in the “Contact Us” section below. You also have the right to lodge a complaint with a supervisory authority in your country of residence, place of work, or where you believe an infringement of data protection law has occurred.

8. International Data Transfers

Saver Street is based in the United States, and information we collect may be processed and stored in the United States (and potentially other locations where our service providers operate). If you access the Services from outside the U.S., you understand that your information may be transferred to, stored, and processed in the U.S., which may have different data protection laws than your jurisdiction.

Where required, we take steps intended to ensure appropriate safeguards are in place for international transfers.

9. Do Not Track (DNT)

Some browsers send “Do Not Track” (DNT) signals. At this time, our Services do not respond to DNT signals in a uniform way because there is no consistent industry standard for compliance. We continue to monitor developments around DNT and may update our approach if standards become available.

You can still control certain tracking through your browser settings and cookie controls (see “Cookies, Pixels, and Tracking Technologies” above).

10. California Privacy Rights (CCPA/CPRA) and “Shine the Light”

A. CCPA/CPRA Rights (California Residents)

If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA), including:

Right to Know/Access: the right to request information about the personal information we collected about you, including the categories of personal information, categories of sources, business purposes for collection, and categories of third parties we disclose personal information to.
Right to Delete: the right to request deletion of personal information we collected from you, subject to certain exceptions permitted by law (for example, to complete a transaction, provide the Services, detect security incidents, or comply with legal obligations).
Right to Correct: the right to request correction of inaccurate personal information.
Right to Opt Out of Sale/Sharing: the right to opt out of the “sale” or “sharing” of personal information as defined by California law.

We do not sell your personal information. We also do not share personal information with third parties for their independent marketing purposes.

B. How to Submit a California Request

We will honor applicable California privacy rights requests as required by law. To submit a request, please contact us using the information in the “Contact Us” section below. We may need to verify your identity before fulfilling certain requests.

C. “Shine the Light” (California Civil Code § 1798.83)

California residents may request certain information regarding our disclosure (if any) of personal information to third parties for their direct marketing purposes. We do not share personal information with third parties for their direct marketing purposes as defined by the “Shine the Light” law. If you have questions, you may contact us using the information below.

11. Global Privacy Compliance (Other Regions)

We aim to follow generally accepted privacy principles such as transparency, purpose limitation, data minimization, and security. Depending on where you live, you may have additional rights under local laws (for example, in Canada or Australia) regarding access to, correction of, or deletion of certain personal information. If you have a request, contact us using the information in the “Contact Us” section below, and we will respond as required by applicable law.

12. SMS and Text Messaging Communications

If you provide your mobile phone number and opt in to receive SMS/text messages from Saver Street, the following terms apply:

A. Consent (Not a Condition of Purchase)

By providing your phone number and opting in (for example, through a web form, checkout, sign-up, or other opt-in method), you consent to receive recurring automated marketing text messages (which may be sent using an automatic telephone dialing system or other automated technology) from Saver Street at the number you provide.

Your consent to receive text messages is not a condition of any purchase.

B. Opt-Out

You can stop receiving text messages at any time by replying STOP to any message. After you opt out, you may receive one additional message confirming your opt-out request.

C. Help

For help, reply HELP to any message, or contact us at catherine.vanderlaan@saverstreet.com.

D. Message and Data Rates

Message and data rates may apply based on your mobile plan.

E. Message Frequency

Message frequency varies and may depend on your interaction with Saver Street, your preferences, and the type of messages you opt in to receive.

F. Privacy of Phone Numbers

We treat mobile phone numbers as personal information. Mobile information will not be shared with third parties or affiliates for their marketing or promotional purposes.

13. Changes to the Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Effective Date” at the top of this page. Any changes will be effective when posted unless otherwise stated.

14. Contact Us

If you have questions about this Privacy Policy or want to make a privacy-related request, contact us at:

Saver Street
Burlington, MA 01803
catherine.vanderlaan@saverstreet.com