Privacy Policy

Information We Collect

If you create an account, we store your name, email address, and a securely hashed version of your password. We never store your actual password in readable form.

When you use our tools without signing in, all data remains in your browser (localStorage). If you sign in and choose to save data to cloud, your tool inputs and portfolio are stored securely in our servers.

We may use analytics services (such as Microsoft Clarity and Google Analytics) to understand aggregate usage patterns. These services may collect anonymous data such as page views, browser type, and geographic region.

Cookies

We use cookies for the following purposes:

• Authentication: If you sign in, a session cookie is used to keep you logged in. This cookie is encrypted and expires after 30 days of inactivity.
• Analytics: Microsoft Clarity and Google Analytics may set cookies to understand how visitors use our site. These collect anonymous, aggregated data only.
• Advertising: Google AdSense may use cookies to serve relevant ads based on your browsing history. You can opt out via Google Ads Settings.

We do not use cookies to track you across other websites or sell your data to third parties.

Account & Data Storage

If you create an account, your data is stored in encrypted cloud storage. This includes your portfolio holdings, saved tool states, and preferences. You can delete your account and all associated data at any time by contacting us.

Passwords are hashed using bcrypt (industry-standard one-way encryption) and stored separately from your profile data. Even our team cannot see your password.

Financial Tools & Calculators

When you use our calculators (mortgage, debt payoff, tax, etc.), all computations run locally in your browser. Data is only transmitted to our servers if you are signed in and explicitly click "Save to Cloud."

Advertising

We may display advertisements through Google AdSense or similar advertising networks. These services may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalized advertising by visiting Google Ads Settings.

Data Sources

All financial data displayed on this site is derived from publicly available sources: SEC EDGAR (filings), Federal Reserve FRED (economic data), and IRS (tax forms). We do not access or display any non-public or proprietary data.

Third-Party Links

This site may contain links to external websites. We are not responsible for the privacy practices or content of those sites.

Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date.

Contact

For questions about this privacy policy, contact us at: [email protected]