Privacy Policy
Last updated: October 23, 2026
1. Who we are
smartmoney77.com ("SmartMoney77", the "Website") is operated by Amiel Riss, a self-employed professional (autónomo) registered in Spain, who is the data controller. For any privacy question: invest@smartmoney77.com.
2. Calculators on the website
What you enter in the calculators on the website (amounts, returns, years and so on) is calculated in your browser and is not sent to our servers. The only exceptions are actions you choose to take: saving a result to your account, emailing a result, or sharing it (sections 5, 7 and 8). Note that a share link carries the calculation values in the URL itself, so anyone who receives it can see them.
3. AI assistants, our MCP server and the ChatGPT app
When you use SmartMoney77 through an AI assistant (our ChatGPT app, Claude or any other MCP client), the assistant sends the tool inputs (for example an amount, a rate and a number of years) to our server, which calculates and returns the result. We do not store those inputs or the results. For each request we log only: the tool name, an anonymized caller identifier, the client identifier the assistant reports, the status, the error type, the response time, and the calculator or asset involved. We use this log for rate limiting (60 calls per minute), security and usage statistics, and delete it after 12 months. We do not receive your name, your email address or the rest of your conversation with the assistant; that conversation is covered by the assistant provider's own privacy policy.
4. AI chat on the website
The messages you write in the website chat and its replies are stored, linked to a random session identifier and a language, not to an account or a name. Messages go through Lovable's AI gateway to Google's Gemini model, which writes the reply. We use conversations to answer you and to improve the service, and delete them after 12 months. Please do not type personal details into the chat. Your IP address is used for rate limiting (30 messages per hour) and kept for up to 24 hours.
5. Emailing results
When you email a result to yourself or to a friend, we store the email address, the calculator name, the language, the country, the main result, the session identifier and whether you agreed to receive our emails. The email is sent through Resend, and the form is protected from spam by Cloudflare Turnstile. Your IP address is used for rate limiting and kept for up to 24 hours. We send marketing content only if you opted in. We keep this data until you unsubscribe or ask us to delete it.
6. Contact form
The details you enter in the contact form (name, email, phone if you give one, and your message) are sent to our mailbox through Resend and kept only as long as needed to handle your request.
7. Accounts
When you create an account we store your email address (for sign-in and password recovery), a display name, your sign-in method (email and password, or Google), your language and currency preferences, and the creation date. If you sign in with Google, we receive only your name and email address from Google. Passwords are stored hashed and no one on our side can see them. An account whose email is never verified is deleted automatically after 30 days; an active account is kept until you ask us to delete it.
8. Saved results and SmartMoney Score
When you save a result we store the calculator type, the values you entered, the results, the language and currency, an optional note and the save date. Only you can see them (Row Level Security). Your SmartMoney Score is calculated in your browser from your saved results and is not stored separately. You can delete any saved result at any time.
9. Analytics, advertising and cookies
The website uses Google Analytics and the Meta Pixel to measure visits and actions. Our server also sends events to Meta through the Conversions API, including your IP address, your browser's user agent, Meta's cookie identifiers (_fbp, _fbc) and the event name. Our internal analytics stores the event name, page, language and event parameters, without IP addresses, and is deleted after 12 months. Essential cookies keep you signed in and remember your language and currency; analytics and advertising cookies are set by Google and Meta. You can block or delete cookies in your browser settings.
10. Service providers
We use providers that process data on our behalf: Supabase (database, sign-in and server functions), Lovable (website hosting and AI gateway), Cloudflare (content delivery, security and Turnstile), Google (Analytics, the Gemini model and Google Sign-In), Meta (Pixel and Conversions API) and Resend (email delivery). Some of them process data outside the European Union under their own data protection terms. We do not sell personal data.
11. How long we keep data
Chat messages: 12 months. AI assistant and MCP request logs: 12 months. Internal analytics: 12 months. IP addresses used for rate limiting: up to 24 hours. Email addresses you gave to receive results: until you unsubscribe or ask for deletion. Accounts and saved results: until the account is deleted. Unverified accounts: 30 days.
12. Legal basis
We process data on the basis of your consent (marketing emails and non-essential cookies), to provide the service you asked for (your account, emailing results, answering your message), and on the basis of our legitimate interest (security, rate limiting, spam prevention and usage statistics).
13. Affiliate links
The website contains links to investment platforms (such as eToro and others). These are affiliate links: if you sign up through them, we may receive a commission. Clicking them does not give us access to your information on those platforms.
14. Your rights
You can ask to access, correct or delete your data, restrict or object to its processing, receive it in a portable format, and withdraw any consent you gave. Write to invest@smartmoney77.com and we will reply within 30 days. Every email we send includes an unsubscribe link. If you believe we have not handled your request properly, you can file a complaint with the Spanish Data Protection Agency (AEPD).
15. Security
Data is stored on secure cloud infrastructure with restricted access. We take reasonable measures to protect it, but no method of transmission or storage on the internet is 100% secure.
16. Changes to this policy
We update this policy when the way we handle data changes. The date of the latest update is shown at the top of this page.