Privacy Policy

Last updated: January 15, 2024

Privacy First: Your financial data never leaves your device. All calculations happen locally in your browser.

Privacy in a Nutshell

Local Processing

All calculations happen in your browser

No Data Storage

We don't store your financial information

No Tracking

Your personal data remains private

Secure

HTTPS encryption for all connections

1. Information We Don't Collect

Zero Balanced is designed with privacy as the foundation. Unlike traditional financial planning tools, we deliberately do not collect, store, or transmit your personal financial information.

Financial Data

  • Income and expense information
  • Investment portfolio details
  • Loan and EMI information
  • Goal amounts and timelines
  • Any other financial calculations or inputs

Personal Information

  • Name, address, or personal contact details
  • Bank account details
  • Investment account information
  • Social security or tax identification numbers

2. How Our Calculator Works

Our financial planning calculator operates entirely within your web browser using client-side JavaScript. Here's what this means for your privacy:

Client-Side Processing

All calculations are performed locally on your device. Your financial data never leaves your browser or gets transmitted to our servers.

Temporary Storage

Data is only stored temporarily in your browser's memory while you use the calculator. It's automatically cleared when you close the browser tab or refresh the page.

Optional Export

If you choose to export your financial plan, the file is generated locally and downloaded directly to your device. We never see or store this information.

3. Information We Do Collect

We collect minimal, non-personal information to improve our service:

Website Analytics

  • Google Analytics: We use Google Analytics to understand how visitors use our website. This includes:
    • Pages visited and time spent on site
    • General geographic location (country/city level)
    • Device type and browser information
    • How you found our website (referral sources)
  • No Personal Financial Data: Analytics never capture your financial inputs or calculation results

Optional Information

  • Newsletter subscription (if you opt-in)
  • Browser preferences for enhanced user experience
  • Feature usage analytics (anonymous)

Technical Information

  • IP address for security and basic analytics
  • Browser type and version for compatibility
  • Error logs for technical troubleshooting (no personal data included)

4. Cookies and Local Storage

We use minimal cookies and local storage to enhance your experience:

Essential Cookies

  • Session cookies for basic website functionality
  • Security cookies to protect against malicious attacks

Analytics Cookies

  • Google Analytics cookies to understand website usage patterns
  • These can be disabled through your browser settings

Local Storage

  • Temporary storage of your financial plan while you use the calculator
  • User preferences (dark mode, currency settings, etc.)
  • No personal financial data is permanently stored

5. Third-Party Services

We use select third-party services that may collect information:

Google Analytics

  • Collects anonymous usage statistics
  • Governed by Google's Privacy Policy
  • You can opt-out using Google Analytics Opt-out Browser Add-on

Google AdSense

  • Displays relevant advertisements
  • May use cookies for ad personalization
  • Governed by Google's Advertising Privacy Policy
  • You can manage ad preferences through Google Ad Settings

CDN Services

  • CloudFlare and other CDNs for faster website loading
  • Basic security and performance monitoring
  • No access to your financial calculations

6. Data Security

We implement industry-standard security measures:

Technical Safeguards

  • HTTPS Encryption: All communications are encrypted using SSL/TLS
  • Secure Hosting: Website hosted on secure, monitored servers
  • Regular Updates: Security patches and updates applied promptly
  • No Data Transmission: Your financial data never leaves your device

Access Controls

  • Limited access to any collected data (contact information only)
  • Regular security audits and monitoring
  • Secure development practices

7. Your Rights and Choices

You have complete control over your privacy:

Data Control

  • No Data to Delete: Since we don't store your financial data, there's nothing to delete
  • Optional Data: Newsletter subscriptions can be cancelled at any time
  • Analytics Opt-out: Disable analytics tracking through browser settings

Browser Controls

  • Clear local storage and cookies at any time
  • Disable JavaScript to prevent any local processing (though this will break calculator functionality)
  • Use private/incognito browsing mode

8. Children's Privacy

Zero Balanced is intended for adults making financial planning decisions. We do not knowingly collect information from children under 13. Since our calculator runs entirely in your browser with no data transmission, this concern is minimal for our service.

9. Changes to This Policy

We may update this privacy policy to reflect changes in our practices or legal requirements. We will:

  • Notify users of any material changes
  • Update the "Last Modified" date
  • Maintain our core commitment to privacy
  • Never compromise our no-data-storage principle

10. International Users

Zero Balanced is accessible globally. For users in different jurisdictions:

GDPR Compliance (EU Users)

  • Right to access, rectify, or delete personal data
  • Right to data portability
  • Right to object to processing
  • Data protection by design and by default

CCPA Compliance (California Users)

  • Right to know what personal information is collected
  • Right to delete personal information
  • Right to opt-out of sale of personal information (we don't sell data)
  • Right to non-discrimination