Privacy Policy
1. Privacy by Architecture
Our fundamental architecture is built on absolute client-side execution. Unlike traditional platforms that send your financial inputs to a backend database, NetWorthFlow tools calculate salaries, compound interest, and tax models entirely within your web browser sandbox.
This means we do not, and physically cannot, access, store, or view any of the numbers you enter. Your financial profile remains completely local and invisible to us and any third parties.
2. Browser-Only Storage
To improve your user experience and prevent you from re-entering your financial assumptions (such as tax rates, retirement ages, or debt balances) every time you reload, we utilize your browser’s localStorage.
This data is stored purely locally within your browser sandbox. It is never synchronized to a server or shared. You can instantly delete all cached calculator states by clearing your browser cookies and site storage or by resetting parameters directly inside the specific tool dashboards.
4. Analytics & Advertising
We use Google Analytics 4 to monitor general website traffic trends — page visits, popular calculators, and geographic region (country-level only). Google Analytics may set its own cookies. Data collected is aggregated and anonymized. Google’s privacy policy is available at policies.google.com/privacy.
We also display advertisements through Google AdSense, which may use cookies to serve interest-based ads. You can manage ad personalization through Google’s Ad Settings at adssettings.google.com. To learn more about how Google uses data, visit policies.google.com/technologies/partner-sites.
- We do not sell, trade, or share personal data with third-party advertisers.
- We do not log personal identifiers, IP addresses, or build individual visitor profiles.
5. Your Privacy Rights
Depending on your location, you may have rights under laws such as the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), or the General Data Protection Regulation (GDPR). These rights may include the right to know what personal information is collected, the right to request deletion of personal information, and the right to opt out of the sale or sharing of personal information.
Because NetWorthFlow does not collect, store, or sell personal information, these rights are inherently satisfied by our architecture. If you have questions about exercising privacy rights, please contact us using the information below.
6. Children’s Privacy
NetWorthFlow is not directed to children under the age of 13, and we do not knowingly collect personal information from children. Our tools are designed for adults making independent financial decisions. If you believe a child has provided personal information through our site, please contact us so we can promptly remove it. We comply with the Children’s Online Privacy Protection Act (COPPA).
7. Third-Party Links
NetWorthFlow contains links to educational articles, government source data, and external financial tools. Once you follow a link away from our website, you are subject to the privacy terms of that destination site. We encourage you to read their policies.
8. Data Retention & Deletion
NetWorthFlow does not maintain server-side databases of user data. Calculator inputs are stored exclusively in your browser’s localStorage and are under your complete control. You may delete this data at any time by clearing your browser storage, resetting calculator parameters, or using your browser’s privacy tools.
Aggregated, anonymized analytics data (page visit counts) is retained for standard reporting purposes and cannot be used to identify individual users.
9. Contact
If you have questions or feedback regarding our privacy practices, please contact us directly at [email protected] or visit our Contact Page. Our architecture is transparent, and we welcome reviews of our client-side execution logic.