← Back to Home

Privacy Policy

Last updated: February 2026

Introduction

Save For Tomorrow ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard information when you use our financial calculators and tools at savefortomorrow.com.

Our Privacy Philosophy

We believe in minimal data collection. All calculator computations happen directly in your browser. We only store data when you explicitly choose to save it by creating an account or submitting a form.

Information We Collect

For All Visitors (No Account Required):

  • Calculator Usage: All 27 financial calculators run entirely in your browser. Your inputs are processed locally and are not sent to our servers unless you choose to save them or request contact.
  • Anonymous Analytics: We collect anonymized usage data (pages visited, calculator interactions, browser type) to understand how visitors use our site and improve our tools. This data is not linked to your identity.
  • Cookies: We use cookies for analytics and advertising. You can customize cookie preferences through the banner that appears on your first visit.
  • Security Monitoring: To protect our service from automated abuse, we collect technical signals (screen size, browser capabilities, interaction patterns) to detect bot traffic. This data is used solely for fraud prevention and is not used to identify or track individual users.

When You Submit the Contact Form:

  • Contact Information: Name, email, phone number, and zip code you provide.
  • Financial Snapshot: Calculator inputs you've entered (age, savings amount, retirement goals) to help financial advisors understand your situation.
  • IP Address: Automatically captured to prevent spam and abuse.

When You Create an Account (Optional):

  • Account Details: Email address and encrypted password (or Google account if you sign in with Google).
  • Saved Data: Only the financial information you choose to save, which may include:
    • Budget information (income, expense categories, spending)
    • Net worth accounts you manually add (account names, balances)
    • Savings goals you create
    • Calculator results you bookmark
  • Preferences: Currency preference and dashboard settings.

Premium Features (Optional):

  • Bank Connections (via Plaid): If you connect your bank accounts, we securely store an access token that allows us to retrieve account balances and transactions. We never see your bank login credentials. You can disconnect at any time.
  • Investment Holdings: Stock tickers, share quantities, and cost basis if you choose to track individual holdings.
  • AI Insights: When you request AI-powered portfolio reviews or calculator insights, we analyze your saved financial data to generate personalized recommendations. Usage is tracked for service improvement.

How We Use Information

We use collected information to:

  • Provide and improve our 27 financial calculators and tools
  • Save your financial data when you create an account (only what you explicitly save)
  • Connect you with financial advisors when you submit the contact form
  • Sync bank account balances and transactions for Premium subscribers
  • Generate AI-powered financial insights and portfolio reviews
  • Understand how visitors use our site through anonymized analytics
  • Display relevant advertisements through Google AdSense
  • Detect and prevent automated abuse and bot traffic

Third-Party Services

We use the following trusted third-party services:

Data Security

We take security seriously:

  • All calculator computations happen in your browser for maximum privacy
  • Passwords are encrypted using industry-standard bcrypt hashing
  • Bank access tokens from Plaid are stored securely and encrypted
  • All connections use HTTPS encryption
  • We never sell your personal data to third parties

Your Rights and Choices

You have control over your data:

  • Use Without an Account: All calculators work without creating an account. Your data stays in your browser.
  • Cookie Preferences: Customize analytics and marketing cookies through the consent banner.
  • Opt Out of Analytics: Install the Google Analytics Opt-out Browser Add-on or add ?notrack=1 to any URL.
  • Delete Your Account: Contact us to request account deletion and removal of your saved data.
  • Disconnect Banks: Remove Plaid bank connections anytime from your Net Worth dashboard.
  • Export Your Data: Request a copy of your saved data by contacting us.

Children's Privacy

Our service is not directed to children under 13 years of age. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

Contact Us

If you have questions about this Privacy Policy or want to exercise your data rights, please contact us at Support@SaveForTomorrow.com.