Privacy Policy

1. Who We Are

SmartWealth AI is a personal finance education platform providing free financial tools, calculators, articles, and an AI Financial Coach. The platform is owned and operated by:

References to "we," "us," "our," or "SmartWealth AI" in this policy refer to Claudio Galleguillos and the SmartWealth AI platform.

2. Information We Collect

2.1 Information You Provide Voluntarily

• Newsletter subscriptions: When you subscribe to our newsletter, we collect your email address.
• Contact form submissions: If you contact us, we collect your name, email address, and the content of your message.
• Financial tool inputs: When you use our calculators and planning tools (Budget Planner, Debt Planner, Compound Interest Calculator, Retirement Calculator), you may enter financial data. This data is processed entirely in your browser and is never transmitted to or stored on our servers.
• AI Coach interactions: Text you enter into our AI Financial Coach is processed in your browser. No conversation data is stored on our servers or associated with your identity.

2.2 Information Collected Automatically

• Usage data: We may collect information about how you interact with our website, including pages visited, time spent, and navigation paths.
• Device and browser information: Browser type, operating system, screen resolution, and referring URL.
• IP address: Used for security, fraud prevention, and aggregate analytics. We do not link IP addresses to individual identities.
• Cookies and local storage: See Section 4 for details.

3. How We Use Your Information

We use information collected for the following purposes:

• Delivering the newsletter: Sending our weekly Smart Money Letter and relevant financial content to subscribers.
• Responding to inquiries: Answering questions or requests sent through contact forms.
• Improving the platform: Understanding how visitors use SmartWealth AI to improve content, tool design, and user experience.
• Security: Detecting and preventing abuse, spam, and unauthorized access.
• Analytics: Measuring aggregate site performance and content effectiveness.
• Compliance: Meeting legal obligations.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

4. Cookies & Tracking Technologies

We use the following types of cookies and local storage:

4.1 Strictly Necessary

These are required for the website to function. They include:

• Session storage for scroll position restoration on articles (cleared when the browser tab is closed)
• Local storage keys to remember user preferences (e.g., dismissing the newsletter popup: sw_exit_dismissed)

4.2 Analytics (if enabled)

We may use privacy-respecting analytics tools to understand aggregate traffic patterns. These tools are configured to anonymize IP addresses and not build personal profiles.

4.3 Third-Party Cookies

Third-party services embedded in our pages (such as Google Fonts, affiliate links, or social sharing buttons) may set their own cookies subject to their own privacy policies. See Section 5 for details.

4.4 Managing Cookies

You can control or delete cookies through your browser settings. Disabling cookies may affect the functionality of certain features on this site.

5. Third-Party Services

SmartWealth AI uses the following third-party services that may process data:

When you click affiliate links on SmartWealth AI, you are redirected to third-party websites with their own privacy practices. We encourage you to review those policies before sharing any information with them.

6. Your Rights

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

• Access: Request a copy of personal data we hold about you.
• Correction: Request correction of inaccurate data.
• Deletion: Request deletion of your personal data ("right to be forgotten"). For newsletter subscribers, you can unsubscribe at any time using the link in any email.
• Portability: Request your data in a portable format.
• Objection: Object to processing of your personal data in certain circumstances.
• Withdrawal of consent: Where processing is based on consent, withdraw it at any time.

To exercise any of these rights, contact us at contacto@tools-nova.com. We will respond within 30 days.

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information is sold or disclosed and to opt out of the sale of personal information. We do not sell personal information.

EU/EEA Residents (GDPR)

If you are located in the European Union or European Economic Area, you have rights under the General Data Protection Regulation (GDPR). Our lawful basis for processing newsletter subscriber data is consent. You may withdraw consent at any time by unsubscribing.

7. Data Retention

• Newsletter subscriber data: Retained until you unsubscribe or request deletion.
• Contact form messages: Retained for up to 2 years for reference purposes.
• Analytics data: Aggregate data retained indefinitely; individual session data retained per the analytics provider's policy (typically 26 months).
• Financial tool inputs: Not retained — processed locally in your browser only.

8. Security

We take reasonable technical and organizational measures to protect your information from unauthorized access, alteration, disclosure, or destruction. These include:

• HTTPS encryption for all data transmitted between your browser and our servers
• Limited access controls to personal data
• Regular review of our data practices

However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security and encourage you to use strong, unique passwords for any accounts and to keep your devices secure.

9. Children's Privacy

SmartWealth AI is not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If we discover that a child under 13 has provided us with personal information, we will delete it promptly. If you believe a child under 13 has submitted information to us, please contact us at contacto@tools-nova.com.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of SmartWealth AI after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy, your data, or your privacy rights, please contact:

We aim to respond to all privacy-related inquiries within 30 days.