Privacy Policy

1. Who we are

This Privacy Policy describes how Relationale LLC, publisher of CalculatingWealth.com (the "Platform"), collects, uses, shares and protects information about visitors and account holders.

2. Information we collect

• Information you provide — account details (email, password hash), saved scenarios, calculator inputs you choose to store, support messages and survey responses.
• Automatic information — IP address, user-agent, device and browser characteristics, pages visited, referring URL and approximate location derived from IP.
• Cookies and similar technologies — see the Cookie Policy.
• Payment information — handled by PCI-DSS-compliant third-party processors. We do not store full card numbers.

Most calculators run entirely in your browser. Inputs you enter into a calculator are not transmitted to our servers unless you choose to save them to your account.

3. How we use information

• Operate, secure and improve the Platform.
• Provide the features you request (account, saved scenarios, dashboards).
• Send transactional communications (account, billing, security).
• Send educational or product communications you have opted into.
• Comply with legal obligations and enforce our policies.
• Conduct analytics and product research in aggregate, de-identified form.

4. Advertising

We use Google AdSense and may use other advertising partners. Third-party vendors, including Google, use cookies to serve ads based on prior visits to this and other websites. You can opt out of personalized advertising via Google's Ads Settings and the NAI / DAA consumer-choice tools. EEA/UK visitors are presented with a consent banner. See the Advertising & Sponsorship Policy.

5. Sharing

We share information only as follows:

• Service providers — hosting, analytics, email delivery, payment processing, customer support, security.
• Advertising partners — limited identifiers and page context for ad delivery, subject to user consent where required.
• Legal requirements — when required to comply with law, legal process or to protect rights, safety and property.
• Business transfers — in connection with a merger, acquisition or asset sale, subject to this Policy.

We do not sell personal information for money.

6. Your rights and choices

• Access, correct or delete account information by emailing privacy@calculatingwealth.com.
• Manage cookies via your browser and via our consent banner where applicable.
• Opt out of marketing email via the unsubscribe link in any marketing message.
• EEA/UK/Swiss residents: rights of access, rectification, erasure, restriction, portability and objection under applicable law.
• California residents: rights of access, deletion, correction and to opt out of "sharing" for cross-context behavioral advertising under the CCPA/CPRA.

7. Children

The Platform is not directed to children under 13 and we do not knowingly collect personal information from children under 13. If you believe a child has provided us information, email privacy@calculatingwealth.com.

8. Security

We use reasonable administrative, technical and physical safeguards described in our Security & Privacy Practices. No platform can guarantee absolute security.

9. International transfers

We are based in the United States. By using the Platform you understand that your information may be processed in the United States and other countries that may not provide the same level of protection as your home jurisdiction.

10. Retention

We retain information for as long as needed to provide the Platform, comply with legal obligations, resolve disputes and enforce agreements.

11. Changes

We may update this Policy from time to time. Material changes will be highlighted on the Platform. Continued use after changes constitutes acceptance.

12. Contact

Privacy questions: privacy@calculatingwealth.com.