1. Who this covers
This Privacy Policy explains how Wealth by Design Financial, a sole proprietorship ("Wealth by Design", "we", "us", or "our"), collects, uses, discloses, and protects personal information when you use wealthbydesignfinancial.com and related applications and services (the "Service").
It applies to visitors, account holders, coaching clients, purchasers of digital products or courses, subscription members, and members of our coaching and administrative team.
2. Information we collect
Account information
We collect information needed to create and maintain your account, including your name, email address, and password.
Passwords are stored using a one-way cryptographic hash rather than in readable form.
If Google sign-in is offered and you use it, we receive information made available through Google, which may include your name, email address, and profile image, instead of a password.
We record whether your email address has been verified.
Sign-in and security records
When you sign in, we may store a session record containing technical information such as the IP address and browser or user-agent information associated with the session.
We use this information for session management, security, fraud prevention, and abuse detection.
Sign-up, sign-in, and password-reset forms use Cloudflare Turnstile to help distinguish legitimate users from automated traffic. Cloudflare may process your IP address and browser or device signals as part of this service.
Consent records
When you accept our Terms of Service or this Privacy Policy, we may record the version accepted, the date and time, and technical information such as the IP address and browser associated with the acceptance.
We may also record your marketing-email preference, when you changed it, and how that preference was changed.
Financial information you enter
The Service is designed around personal budgeting and financial planning.
Depending on the features you use, we may collect and store information you enter, including:
- take-home income;
- income frequency and pay cadence;
- spending amounts and categories;
- housing, insurance, utility, subscription, food, debt, savings, and investment amounts;
- custom budget categories;
- names or labels you assign to your own bank or cash accounts;
- financial goals;
- goal notes;
- personal notes;
- Wealth Building Roadmap progress;
- savings-goal calculator inputs;
- retirement calculator inputs;
- mortgage-payoff calculator inputs;
- account balances;
- interest rates;
- contribution amounts; and
- other information you choose to enter into the Service.
We do not connect directly to your bank accounts or automatically import bank transactions unless we expressly add such functionality in the future.
Names you enter are not private. Budget line names, including any custom lines you create, are visible to your assigned coach, are visible to and editable by anyone you share your budget with, and are included in the information sent to the AI service described in Section 4. Names you assign to your own bank or cash accounts are visible to anyone you share your budget with, but are not shown to coaches and are not sent to the AI service. Please avoid entering sensitive details into any name field.
Purchases and subscriptions
If you purchase coaching, a digital product, course, subscription, or other paid product, our payment provider may process your payment information.
We may store information such as:
- the product purchased;
- purchase date;
- purchase amount;
- subscription status;
- billing period;
- Stripe customer, checkout-session, payment, or subscription identifiers;
- refund information;
- cancellation information; and
- payment-dispute or chargeback information.
We do not receive or store your full payment-card number when payment is processed through Stripe.
Coaching records
If you work with a coach, we may collect and store:
- your coaching stage;
- purchase and pipeline information;
- budget suggestions;
- monthly action plans;
- coaching notes;
- information discussed during coaching; and
- other information reasonably necessary to provide the coaching service.
Scheduling
Coaching sessions may be booked through Cal.com or another scheduling provider.
Information you enter into a scheduling form is processed by the applicable scheduling provider according to its own privacy practices.
Digital products and course usage
If you purchase a digital product, course, or training program, we may collect information about your purchase and access to that product, such as:
- the course or product purchased;
- enrollment status;
- access or completion information;
- lessons or materials accessed;
- subscription status;
- cancellation status; and
- related account and payment information.
Usage analytics
We use Vercel Web Analytics, which provides information about website traffic and page views.
According to the configuration described for our Service, Vercel Web Analytics does not use cookies or a cross-site tracking identifier for this analytics function.
Error and diagnostic information
If something goes wrong with the Service, Sentry may receive technical information needed to diagnose the problem.
Depending on the request, this may include information such as an IP address, request details, browser information, and error information.
3. How we use information
We use personal information to:
- create and maintain accounts;
- provide budgeting tools and other Service features;
- save and display your budget and financial information;
- provide coaching services;
- give your assigned coach access to information necessary to provide coaching;
- provide budget-sharing features that you intentionally activate;
- provide digital products, courses, and training programs;
- manage subscriptions and recurring services;
- process purchases, payments, refunds, cancellations, and disputes;
- send account and transactional communications;
- send marketing communications when you have opted in;
- provide customer support;
- maintain, secure, and troubleshoot the Service;
- detect and prevent fraud, abuse, unauthorized access, and automated attacks;
- analyze and improve the Service;
- comply with legal obligations; and
- enforce our agreements and protect our rights and the rights of our users.
4. Automated assistance and artificial intelligence
Certain features of the Service use a third-party AI tool to assist our team. The tool assists our work; it does not do it for us, and it never communicates with you directly.
Coach budget analysis
Your budget analysis is prepared by your coach. A coach may use an AI tool to assist with part of that work — for example, to summarize figures or raise points worth a closer look — and then reviews it, edits it, and decides what you actually receive.
Where a coach uses that assistance, the information sent to the AI tool may include:
- monthly budget totals;
- per-category amounts;
- category labels, including any custom labels you have entered;
- month-over-month changes; and
- coaching-stage information.
The request is designed not to include your name, email address, or personal notes.
Nothing an AI tool produces reaches you without a coach reviewing and editing it first, and no AI output is itself financial advice.
Blog drafting
Administrators may use an AI tool to assist in drafting blog articles.
Client information is not used for blog drafting.
Blog articles may be identified as having been drafted with AI assistance and reviewed by our team.
Changes to AI features
We may add, remove, or change AI-assisted features in the future.
If a material change affects how personal information is processed, we will update this Privacy Policy and provide any notice required by applicable law.
5. Who we share information with
We do not sell personal information for money. See Section 7 for how some state privacy laws treat advertising technologies, and the choices you have.
We may disclose personal information to service providers that process information on our behalf and help us operate the Service, including:
- Vercel — website hosting and web analytics;
- Neon — PostgreSQL database hosting;
- Stripe — payment processing and subscription billing;
- Cal.com — coaching-session scheduling;
- Resend — transactional and marketing email delivery;
- Upstash — rate limiting and session-related infrastructure;
- Sentry — error reporting and diagnostics;
- Cloudflare — Turnstile bot detection and security;
- Google — optional Google sign-in and the AI tool used to assist with certain features.
We may also disclose information:
- when required by law, regulation, subpoena, court order, or other legal process;
- when necessary to protect the rights, safety, or property of Wealth by Design, our users, or others;
- to detect, investigate, or prevent fraud, abuse, security incidents, or unlawful activity;
- to professional advisers who are subject to appropriate confidentiality obligations; or
- in connection with a merger, acquisition, financing, restructuring, sale of assets, or other business transaction.
Coaches and shared users
Your assigned coach may access information reasonably necessary to provide coaching, including your budget, goals, notes, and calculator inputs.
If you intentionally share your budget with another user, that person may be able to view and edit the information included in the shared budget.
6. Marketing email and your choices
At account registration, the Service may present an option to receive occasional newsletters, updates, educational content, and other marketing communications.
This option is selected by default. You can clear it before creating your account, and you can change it at any time afterwards.
You may change your marketing preference at any time through Account → Email preferences or through the unsubscribe mechanism included in marketing emails.
Account and transactional communications — such as email verification, password resets, purchase confirmations, service notices, and receipts — may be sent regardless of your marketing preference because they are necessary to provide the Service or complete a transaction.
Marketing communications are sent through Resend from hello@wealthbydesignfinancial.com or another address identified in the applicable communication.
Marketing emails include an unsubscribe mechanism and the sender's required physical mailing address.
We honor valid marketing opt-out requests as required by applicable law. Federal law requires commercial email to provide a valid physical postal address and an effective opt-out mechanism.
7. Cookies and similar technologies
We use cookies and similar technologies that are necessary to operate the Service, including sign-in and security functionality.
Vercel Web Analytics is configured without cookies for its analytics functionality.
We do not currently use advertising cookies or third-party advertising pixels.
We expect to begin using advertising and measurement technologies from advertising providers, including Google, to understand which advertisements lead people to the Service and, potentially, to show our advertisements to people who have visited it before. When we do, those providers may set cookies or similar identifiers in your browser and receive information about your visit, such as the pages you viewed and whether you completed a purchase.
Some state privacy laws treat advertising of that kind as "targeted advertising", or as a "sale" or "sharing" of personal information, even where no money changes hands. We do not sell personal information for money. If and when we use these technologies, we will provide any notice or choice applicable law requires, including any required mechanism to opt out of targeted advertising or of the sale or sharing of personal information, and we will honor opt-out requests as required by law.
If we add optional analytics, advertising, or other tracking technologies in the future, we will update this Privacy Policy and provide any disclosures or choices required by applicable law.
8. Data retention
We generally retain account information and Your Content while your account remains active.
When you ask us to delete your account, we delete your budgets, notes, goals, calculator inputs, roadmap progress, coaching notes, and email preferences within 30 days.
We retain the following for longer, because we are required to or because we need it to defend a claim:
- Purchase, payment, refund, and subscription records — seven years, to meet accounting and tax record-keeping obligations.
- Consent records (which version of these documents you accepted, and when) — for as long as we retain the related account records, since they are the evidence of what you agreed to.
- Security and abuse records, such as sign-in and rate-limiting data — no longer than reasonably necessary for security and fraud prevention.
When information is no longer required, we may delete, anonymize, or securely dispose of it in accordance with our retention practices and applicable law.
When information is no longer required, we may delete, anonymize, or securely dispose of it in accordance with our retention practices and applicable law.
9. Security
We use reasonable administrative, technical, and organizational measures designed to protect personal information.
These measures include, as applicable:
- password hashing;
- HTTPS encryption in transit;
- access controls;
- session management;
- rate limiting;
- bot detection;
- restricted access to coaching information; and
- error monitoring and security diagnostics.
Access to coaching information is limited to authorized coaches and administrators who need the information to perform their duties.
No method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.
If you believe your account or personal information has been compromised, contact us promptly.
10. Children
The Service is not directed to children.
We do not knowingly collect personal information from children under 13.
Accounts and the free tools are available to people aged 13 and over. Purchasing coaching, subscriptions, or digital products requires you to be at least 18, as described in our Terms of Service.
If we learn that we have collected personal information from a child in circumstances where applicable law requires deletion or parental consent, we will take appropriate steps to address the information.
11. Your privacy rights
Depending on where you live and whether applicable law applies to our business, you may have rights concerning your personal information.
These rights may include the ability to:
- confirm whether we process your personal information;
- access personal information we maintain about you;
- correct inaccurate personal information;
- request deletion of personal information;
- obtain a copy of certain personal information;
- opt out of certain processing activities where applicable; and
- appeal a decision concerning a privacy request where required by applicable law.
Texas residents may have rights under the Texas Data Privacy and Security Act, subject to the law's applicability, exemptions, and thresholds. The Act includes rights relating to access, correction, and certain opt-outs.
To submit a privacy request, contact us at:
lee@wealthbydesignfinancial.com
Send your request from the email address associated with your account, so that we can confirm the request comes from you. If we cannot reasonably verify that, we may ask for additional information or decline the request.
We aim to respond within 45 days. If we need more time, we will tell you why and how much longer we expect to take.
If we decline your request, you may appeal by replying to our response. We will tell you the outcome of the appeal, and the reasons for it, within 60 days.
We will process privacy requests according to applicable law.
We do not discriminate against you for exercising privacy rights that applicable law gives you.
12. International users
The Service is operated from the United States.
If you access the Service from outside the United States, your information may be transferred to and processed in the United States and other countries where our service providers operate.
The Service is intended for people located in the United States. We do not target or market the Service to people outside the United States, and we do not offer it in any language other than English. If you choose to use the Service from elsewhere, you do so on your own initiative and are responsible for compliance with local law.
13. Third-party services and links
The Service may contain links to third-party websites or services.
We are not responsible for the privacy practices of third parties.
We encourage you to review the privacy policies of third-party services before providing them with personal information.
14. Changes to this Privacy Policy
We may update this Privacy Policy from time to time.
When we make material changes, we will update the version and effective date at the top of this Policy and may provide notice through the Service, by email, or through another reasonable method.
Where appropriate, signed-in users may be asked to review the updated Policy.
Your continued use of the Service after the effective date of an updated Policy constitutes acknowledgment of the updated Policy to the extent permitted by applicable law.
15. Contact
Privacy questions and requests:
Wealth by Design Financial