Privacy Policy

1. Information We Collect

We collect minimal information to provide and improve our service. Here is what we may collect:

Automatically Collected Information

• -Analytics data: Pages visited, time spent on site, referral source, device type, browser type, and general geographic location (country/region level).
• -IP addresses: Collected automatically by our hosting provider as part of standard server logs.
• -Cookies: Small data files stored on your device for session management and analytics tracking.

Information You Provide

• -Email address: Only if you voluntarily subscribe to our newsletter.
• -Calculator inputs: Data you enter into our calculators is processed entirely in your browser and is never sent to our servers.

What We Do NOT Collect

• -Payment or credit card information
• -Social Security numbers or government IDs
• -Bank account details or financial account credentials

2. How We Use Your Information

We use the information we collect for the following purposes:

• -Improve our website: Understand which content and tools are most useful so we can create more of what helps you.
• -Analyze usage patterns: Monitor site performance, identify technical issues, and optimize the user experience.
• -Send newsletters: If you subscribe, we'll send periodic emails with financial education content. You can unsubscribe anytime.
• -Respond to inquiries: If you contact us, we use your information to respond to your questions.
• -Legal compliance: Meet legal obligations when required by law.

3. Cookies & Tracking Technologies

Cookies are small text files placed on your device when you visit a website. They help sites remember your preferences and understand how you interact with the content.

Types of Cookies We Use

Managing Cookies

You can control and disable cookies through your browser settings. Most browsers allow you to:

• -View and delete existing cookies
• -Block all or third-party cookies
• -Set preferences for specific websites

Note: Disabling cookies may affect some site functionality but will not impact calculator usage, as calculators process data entirely in your browser.

4. Third-Party Services

We use a limited number of trusted third-party services to operate Moolah IQ:

• -
  Vercel (Hosting): Our website is hosted on Vercel, which may collect standard server logs including IP addresses, request timestamps, and URLs visited. Vercel Privacy Policy
• -
  Google Analytics (if enabled): We may use Google Analytics to understand aggregate visitor behavior. This service collects anonymized usage data. Google Privacy Policy

We do not sell, rent, or share your personal information with third parties for marketing purposes.

5. Data Security

We take reasonable technical and organizational measures to protect any information we collect. Our website is served over HTTPS, ensuring encrypted communication between your browser and our servers.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

We do not store sensitive financial information. All calculator inputs are processed locally in your browser and are never transmitted to or stored on our servers.

6. Your Rights (GDPR & CCPA)

Depending on your location, you may have the following rights regarding your personal data:

• -Right to Access: Request a copy of the personal data we hold about you.
• -Right to Deletion: Request that we delete your personal data from our systems.
• -Right to Opt-Out: Opt out of analytics tracking by disabling cookies or using browser privacy tools.
• -Right to Portability: Request your data in a portable, machine-readable format.
• -Right to Correction: Request that we correct any inaccurate personal data.

To exercise any of these rights, please contact us at privacy@moolahiq.com. We will respond to your request within 30 days.

7. Children's Privacy

Moolah IQ is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13 years of age.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@moolahiq.com, and we will take steps to remove that information from our systems.

8. 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 material changes, we will update the "Last updated" date at the top of this page.

We encourage you to review this policy periodically. Your continued use of Moolah IQ after any changes constitutes your acceptance of the updated policy.

9. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please reach out to us: