Privacy Policy

Effective Date: October 7, 2026

Summary

Account data: name, email, profile photo, and authentication details. If you sign in with Google, we receive your name, email address, and profile photo from Google.
Financial profile data: date of birth, income, expenses, CPF balances, assets, liabilities, insurance cover, risk tolerance, and target retirement age.
Planning data: goals you set, DCA tracker entries (asset names, dates, amounts, units, prices, and notes), and, for premium members, calculator scenarios you save (your inputs and the headline results).
Newsletter data: your email address, where on the site you signed up, and your IP address and browser details.
Contact form data: your name, email address, and message, plus your IP address and browser details. Joining the premium waitlist uses the same form and sends only your email address.
Usage data: interactions, device data, and diagnostics. See Analytics and Cookies below.

Provide relevant features and guidance, and reply to messages you send us.
Improve product performance and quality.
Comply with legal obligations and prevent abuse. We use the IP address stored with newsletter and contact form submissions to limit repeated submissions.

We do not sell personal data.
We may share data with service providers who process data on our behalf under confidentiality obligations.
We may disclose information if required by law or to protect rights, safety, and security.

Our main service providers are:

Supabase hosts our database and handles sign-in. Your account, financial profile, planning, newsletter, and contact form data are stored there.
Vercel hosts the website and runs the code that handles your requests.
Google handles sign-in if you choose to sign in with Google.
The analytics services listed below.

We use these services to understand how the site is used and to improve it:

PostHog (product analytics, with servers in the United States) records the pages you view, the links and buttons you click, which calculators you use, the site or campaign that referred you, your device and browser, and your IP address, which it stores and uses to work out an approximate location. If you sign in, these records are linked to your account ID.
Google Analytics records page views, the referring site, your device, and an approximate location.
Vercel Web Analytics and Speed Insights, from our hosting provider, record page views and how fast pages load.

These services use cookies or your browser's local storage to recognise repeat visits. We also keep the page and campaign that first brought you to the site in local storage.
We don't send the figures you type into a calculator to these services. A shared result link carries its figures in the page address, so we strip everything except campaign (utm) tags from page addresses before analytics services receive them. Our hosting provider's request logs still record the full address.
Calculators embedded on other websites use the same analytics and also record which website they are embedded on.
You can block or clear cookies and local storage in your browser settings, or use a content blocker.

We keep your account, financial profile, and planning data until you delete your account.
Deleting your account removes your sign-in record and everything linked to your account: your financial profile, goals, DCA tracker entries, saved scenarios, and any past chat history.
Newsletter sign-ups and contact form messages aren't linked to your account, so deleting your account doesn't remove them. We don't delete them automatically; email us to have them removed.
Analytics services keep usage data according to their own retention settings.
Otherwise, we retain data as long as needed to provide the service and meet legal requirements.

You can update your profile information in the product.
You can download your data yourself from Settings (Export Data). The file covers your account details, financial profile, goals, and any past chat history. Saved scenarios and DCA tracker entries aren't included yet; email us if you need a copy of them.
You can delete your account and its data yourself from Settings (Delete Account). This can't be undone.
If you can't use Settings, or want newsletter or contact form data removed, email us at the address below.