WealthTools

1. Introduction

Welcome to Wealth Tools! We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our website and services.

By using Wealth Tools, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

When you use our services, you may provide:

Account Information: Email address and password (stored securely with encryption)
Financial Data: Information you enter into our calculators, including:
- Investment account details (names, balances, interest rates, contributions)
- Mortgage information (loan amounts, interest rates, terms)
- Budget data (income, expenses, spending categories)
- Net worth information (assets and liabilities)
- Tax rate preferences

Note: We do NOT collect or store actual bank account numbers, credit card numbers, social security numbers, or other sensitive financial credentials.

2.2 Automatically Collected Information

When you visit our website, we automatically collect:

Usage Data: Pages visited, features used, time spent on site
Device Information: Browser type, operating system, device type
IP Address: Your approximate location (country/region)
Cookies: Small data files stored on your device (see Section 5)

3. Third-Party Services

We use third-party services to help us understand how visitors use our website and improve our services. These services may collect information about you:

3.1 Google Analytics

We use Google Analytics to analyze website traffic and user behavior. Google Analytics collects information such as:

How you found our website
Pages you visit and how long you stay
Your approximate geographic location
Your device and browser information

Google Analytics uses cookies to track this information. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Learn more: Google Privacy Policy

3.2 Microsoft Clarity

We use Microsoft Clarity to understand how users interact with our website through:

Session recordings (how you navigate and click)
Heatmaps (where users click and scroll)
User behavior analytics

Microsoft Clarity does not collect personally identifiable information from form inputs that contain sensitive data. However, it does track general page interactions.

Learn more: Microsoft Privacy Policy

4. How We Use Your Information

We use your information to:

Provide and maintain our financial calculator services
Store your financial data so you can access it across sessions
Send you account-related emails (password resets, confirmations)
Improve our website and user experience
Analyze usage patterns and trends
Detect and prevent fraud or abuse
Comply with legal obligations

We do NOT: Sell your personal information, use your financial data for advertising, or share your data with third parties for their marketing purposes.

5. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience. Cookies are small text files stored on your device.

Types of Cookies We Use:

Essential Cookies: Required for the website to function (login sessions, preferences)
Analytics Cookies: Help us understand how you use the site (Google Analytics, Microsoft Clarity)
Preference Cookies: Remember your settings (currency, locale)

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

6. Data Security

We take security seriously and implement measures to protect your data:

Passwords are hashed and encrypted (never stored in plain text)
Data is transmitted over secure HTTPS connections
Database access is restricted and monitored
Regular security updates and patches

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

7. Data Retention

We retain your data for as long as your account is active or as needed to provide services.

If you wish to delete your account and data, please contact us at contact@wealth-tools.com. We will process your request and permanently delete your data in accordance with applicable laws.

8. Your Privacy Rights

You have the right to:

Access: Request a copy of the personal data we hold about you
Correction: Update or correct inaccurate information
Deletion: Request deletion of your account and personal data
Portability: Request your data in a portable format
Opt-out: Decline analytics tracking through browser settings or opt-out tools

To exercise these rights, contact us at contact@wealth-tools.com.

9. International Users & GDPR

Our services are operated from the United States. If you're accessing our website from outside the U.S., please be aware that your data may be transferred to and stored in the United States.

For European Union Users: Under the General Data Protection Regulation (GDPR), you have additional rights including:

Right to restrict processing of your data
Right to object to data processing
Right to lodge a complaint with a supervisory authority
Right to withdraw consent at any time

Our legal basis for processing your data is your consent and our legitimate interest in providing and improving our services.

10. California Privacy Rights (CCPA)

If you're a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information is collected
Right to know if your data is sold or disclosed (we do NOT sell your data)
Right to opt-out of data sales (not applicable, as we don't sell data)
Right to deletion
Right to non-discrimination for exercising your rights

To exercise these rights, contact us at contact@wealth-tools.com.

11. Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

If you believe we've collected information from a child under 13, please contact us immediately at contact@wealth-tools.com so we can delete it.

12. Data Breach Notification

In the event of a data breach that affects your personal information, we will notify you via email within 72 hours of discovering the breach, as required by applicable law.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We'll notify you of significant changes by posting the new policy with an updated "Last Updated" date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Email: contact@wealth-tools.com
Company: Wealth Tools LLC
Location: United States