Privacy Policy

QuietMoneyLeaks ("we," "our," or "us") operates the QuietMoneyLeaks.com website. This Privacy Policy explains how we collect, use, and protect your information when you use our personal finance calculators and related services.

We are committed to protecting your privacy. We designed our site to collect as little personal information as possible while still providing useful tools and services.

1. Information We Collect

We collect very limited information. Here's exactly what we collect and why:

Calculator Inputs (Not Collected):

All data you enter into our calculators—subscription amounts, investment figures, time periods, and any other financial information—is processed entirely in your web browser using JavaScript. This information is never transmitted to our servers. We cannot see, access, or store your calculator inputs. When you close or refresh the page, this data is gone.

Contact Form Submissions:

When you voluntarily contact us through our contact form, we collect:

• Your name
• Your email address
• Your message content

This information is processed by Formspree, a third-party form handling service, and is used solely to respond to your inquiry. We do not use this information for marketing purposes.

Local Storage (Theme Preference):

We use your browser's local storage to remember your theme preference (light or dark mode). This data is stored only on your device and is never transmitted to our servers. You can clear this at any time through your browser settings.

Automatically Collected Information:

Like most websites, our web hosting service may automatically collect certain technical information when you visit, including:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent
• Referring website
• Date and time of visit

This standard log data helps us understand general usage patterns and troubleshoot technical issues. It is not used to personally identify individual visitors.

2. Information We Do NOT Collect

To be clear, we do NOT collect:

• Financial account information or bank details
• Social Security numbers or government IDs
• Calculator inputs or financial figures you enter
• Payment or credit card information (we don't sell anything)
• Precise location data

We have no user accounts, no signup forms, and no login functionality. You can use all of our calculators without providing any personal information.

3. How We Use Your Information

The limited information we collect is used only to:

• Respond to your inquiries submitted through our contact form
• Maintain and improve our website's functionality
• Understand general usage patterns (not individual behavior)
• Protect against spam, abuse, and security threats

4. Cookies and Tracking Technologies

First-Party Cookies:

QuietMoneyLeaks does not currently set any first-party cookies. We use browser local storage (not cookies) solely to remember your light/dark theme preference.

Third-Party Cookies:

Third-party services we use or may use in the future (such as analytics providers, advertising networks, or affiliate partners) may set their own cookies. See Section 5 below for details on these services.

Your Cookie Choices:

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. Note that blocking certain cookies may affect website functionality or prevent affiliate tracking from working.

5. Third-Party Services

We use or may use the following third-party services:

Formspree (Contact Form):

Our contact form submissions are processed by Formspree. When you submit the contact form, your name, email, and message are sent to Formspree's servers. View Formspree's privacy policy.

Web Hosting:

Our website is hosted by a third-party hosting provider that may collect standard server logs as described above.

Analytics (Future):

We may implement analytics services in the future to understand how visitors use our site. If we do, we will update this policy and prefer privacy-respecting options that minimize data collection.

6. Affiliate Links and Partnerships

QuietMoneyLeaks may participate in affiliate marketing programs. This means:

• Some links on our site may direct you to third-party websites (such as brokerage services or financial tools)
• If you click an affiliate link and make a purchase or sign up, we may earn a commission at no additional cost to you
• Clicking an affiliate link may result in a cookie being placed on your device by the affiliate partner to track the referral
• We will clearly disclose affiliate relationships in accordance with FTC guidelines

Important: We do not share your personal information with affiliate partners. Any information you provide directly to a third-party website after clicking a link is subject to that website's privacy policy, not ours. We encourage you to review their policies before providing information.

7. Advertising

We may display advertisements on our website in the future to support the free tools we provide. If we implement advertising:

• Ad networks may use cookies and similar technologies to serve relevant ads
• These technologies may collect information about your visits to this and other websites
• We will update this policy to reflect any advertising partners we work with
• You can opt out of personalized advertising through industry tools like the NAI opt-out page or DAA opt-out page

Currently, we do not display third-party advertisements on our site.

8. Data Sharing

We do not sell, trade, or rent your personal information to third parties.

We may share information only in these limited circumstances:

• Service Providers: With companies that help us operate our website (like Formspree for contact forms), subject to confidentiality obligations
• Legal Requirements: When required by law, court order, or government request
• Protection: To protect our rights, property, safety, or the safety of others
• Business Transfer: In connection with a merger, acquisition, or sale of assets, with notice to users

9. Data Security

We implement reasonable security measures to protect your information:

• HTTPS encryption for all connections to our website
• Limited data collection to reduce risk
• Calculator processing in your browser, not on our servers

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of any data transmitted to us.

10. Data Retention

Calculator Data: We do not retain calculator data because it never leaves your browser.

Contact Form Data: Contact form submissions are retained by Formspree according to their retention policies. If you would like a previous submission deleted, please contact us and we will request removal.

Server Logs: Standard server logs are typically retained for a limited period for security and troubleshooting purposes.

11. Your Rights and Choices

You have the right to:

• Access: Request information about what personal data we hold about you (which is very limited)
• Correction: Request correction of any inaccurate information
• Deletion: Request deletion of your personal information (e.g., contact form submissions)
• Opt-out: Opt out of any future marketing communications
• Cookie Control: Manage cookies through your browser settings
• Clear Local Storage: Clear your theme preference by clearing browser data

To exercise these rights, please contact us.

12. Children's Privacy

Our website is not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. Our calculators are educational tools intended for adults making financial decisions.

If we discover that we have inadvertently collected personal information from a child under 13, we will delete it promptly. If you believe a child has provided us with personal information, please contact us.

13. California Residents (CCPA)

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

• Right to Know: You can request what personal information we collect, use, and disclose
• Right to Delete: You can request deletion of your personal information
• Right to Opt-Out: You can opt out of the sale of personal information (note: we do not sell personal information)
• Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise these rights, please contact us.

14. International Users

QuietMoneyLeaks is operated from the United States. If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

By using our website, you consent to the transfer of your information to the United States and the use of your information in accordance with this Privacy Policy.

15. Do Not Track Signals

Some browsers offer a "Do Not Track" (DNT) feature. Because there is no consistent industry standard for DNT, our website does not currently respond to DNT signals. However, we minimize tracking by design and do not use cookies for our own tracking purposes.

16. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes:

• We will update the "Last updated" date at the top of this page
• For significant changes, we may provide more prominent notice
• Your continued use of our website after changes are posted constitutes acceptance of the revised policy

We encourage you to review this policy periodically.

17. Contact Us

If you have questions about this Privacy Policy, our data practices, or wish to exercise your privacy rights, please contact us through our contact form.

We take privacy concerns seriously and will respond to your inquiry as promptly as possible.