Wisercent ("we", "our") operates the website wisercent.com (the "Site"). This Privacy Policy explains what information we collect, how we use it, and the choices you have. By using the Site, you agree to this policy.
1. Calculator inputs stay on your device
Our calculators run entirely in your web browser using JavaScript. The numbers you enter — salary, home price, tax details, retirement balances — are processed locally on your device and are never transmitted to our servers, because we operate no backend that receives them. We do not see, store, or have access to your calculator inputs.
2. Information we do collect
- Cookie consent choice: when you accept our cookie banner, we store a simple flag in your browser's localStorage so we don't ask again. This never leaves your device.
- Contact messages: if you email us, we receive your name, email address, and message content so we can reply. We do not share it or add it to marketing lists.
- Basic analytics (if enabled): we may use a privacy-respecting analytics tool that records aggregate, non-identifying data such as pages visited, device type, and approximate region. This data cannot identify you personally.
3. Cookies and advertising
The Site displays advertisements, including through Google AdSense. Advertising partners may use cookies or similar technologies to serve ads based on your prior visits to this and other websites (including the Google advertising cookie and, where applicable, personalized vs. non-personalized ads). You can learn how Google uses data from sites like ours at Google's Privacy & Terms page, and you can opt out of personalized advertising in your Google ad settings.
Our own cookie banner records only your consent choice locally, as described above. You can clear site data at any time through your browser settings.
4. How we use information
We use the limited information described above to operate the Site, respond to your messages, understand aggregate usage, and display advertising that keeps the calculators free. We do not sell personal information, and we do not share it with third parties except as required by law or as described in this policy (e.g., advertising partners' own cookie practices, governed by their policies).
5. Data retention and security
Because calculator inputs never reach us, there is nothing of yours to retain or breach on that front. Contact emails are kept only as long as needed to handle your inquiry. We use reasonable technical measures to protect the Site, but no method of transmission over the Internet is completely secure.
6. Children's privacy
The Site is a general-audience financial education resource and is not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us personal information, contact us and we will delete it.
7. Your rights
Depending on where you live (including under laws such as the California Consumer Privacy Act), you may have rights to know what personal information we hold about you, to request deletion, and to opt out of certain data uses. Because we collect almost nothing, most requests will simply confirm that. To exercise any right, contact us via the contact page and we will respond within a reasonable time.
8. Third-party links
The Site may link to external websites (for example, IRS resources). We are not responsible for their privacy practices; review their policies before providing them information.
9. Changes to this policy
We may update this Privacy Policy from time to time. Material changes will be reflected in the "Last updated" date above, and continued use of the Site after changes constitutes acceptance.
10. Contact
Questions about this policy: contact us.