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L-02Data handling

Privacy policy

This policy lists each kind of data the site handles, where it goes and what choices you have over it. It covers the research articles, the seven calculators and the advisor request form.

Applies to
Every page, tool and form
Clauses
9
Reading time
3 min read
Version
The one published here
Contents 10 sections

In short

  1. What you type into a calculator stays on your device.
  2. Up to three licensed advisors can be sent a request, and advisors pay for introductions.
  3. Analytics and ads load only after consent, and Global Privacy Control is honored.
  4. Deletion is available on request unless the law requires retention.

Every data flow, in the order it occurs

  1. Every page request passes through Cloudflare.

    All site traffic is routed through Cloudflare, so Cloudflare observes each request along with the visitor's IP address. The site is not directed to children; we do not knowingly gather information from anyone under 16.

  2. Calculator inputs never leave your browser.

    The seven calculators compute locally. The figures you enter are not transmitted to us and are not linked to an identity.

  3. The request form collects contact details and financial ranges.

    Four steps cover your situation, finances, goals and contact details. Full name, email address and phone number are required. The rest asks for your state or region, the kind of help you need, three ranges covering net worth, income and investable assets, then your main goal and timeline, plus whether you have an advisor at present, how you prefer to be contacted, and one consent box.

  4. A person on our team reads a request before any match is made.

    That person reaches out to establish exactly what you need. Only then is the request matched with a licensed advisor whose practice fits the topic. Nothing obliges you to hire anyone.

  5. Up to three licensed advisors may receive a request, and each may have paid for the introduction.

    Advisors pay for introductions through a monthly membership and a charge per request. Before buying, an advisor sees an anonymous summary: region, ranges and the topic. Only after an advisor buys the request are your name and contact details released to that advisor. The consent box you tick covers phone or email contact and this sharing.

  6. Analytics and ads load only after you consent.

    Before you choose, Google Analytics is limited to a denied, cookieless mode. Once you allow cookies, three outside tools may load: Google Analytics 4 for visit statistics, Google AdSense for advertising, and the Meta Pixel for advertising and social measurement. The advertising tools can hand details of your visit to the company behind each. Yandex Metrica keeps a page-visit tally so that Yandex Search can index the pages; session recording is off, and it needs analytics consent before it loads.

  7. The Global Privacy Control signal is treated as an opt-out.

    Global Privacy Control, sent by your browser, is read as an opt-out from sale and sharing. While it is on, Yandex Metrica stays unloaded and any request submitted carries a do-not-sell flag in our records. The controls sit on the site's do-not-sell page, and a choice made there lives in your browser alone.

  8. Requests are kept only as long as the match and the law require.

    Requests sit on our cloud infrastructure for as long as the match needs them and as long as legal record-keeping demands. Form abuse is countered with a Cloudflare Turnstile bot check, a honeypot field that visitors never see, and rate limits. A deletion request is honored unless a legal duty makes us keep the record.

  9. California residents have four rights over the data we hold.

    Under the CCPA and CPRA, a California resident may ask what we hold and may request correction, deletion or an opt-out from sale and sharing, and we will not discriminate for the use of those rights. Other states' residents may be entitled to similar rights. Send any such request through the contact page.