Privacy Policy
1. General
This privacy policy describes how SmartMoney77 (the "Website") collects, uses, and protects user information. We respect your privacy and are committed to protecting your personal information.
2. Financial Data
The financial data you enter in the calculators (amounts, returns, years, etc.) is calculated locally in your browser only. It is never stored on our servers or transmitted to any third party.
3. Email Addresses (Leads)
When you choose to email results to yourself or share with a friend, we store your email address along with the calculator name, language, and main result. If you opt in to marketing, we may send you relevant content from time to time.
4. Account Data
When you create a SmartMoney77 account, we collect and store: your email address — for authentication and password recovery; a display name — shown in your profile; your authentication method — email/password or Google OAuth; language and currency preferences; and your profile creation date. If you sign in with Google, we receive your name and email from Google only.
5. Saved Calculator Results
When you save calculator results, we store: the calculator type, your input values, and calculated output values; your selected language and currency; optional personal notes; and the date and time of each save. This data is visible only to you.
6. SmartMoney Score
Your SmartMoney Score is calculated based on which calculators you have used. The score itself is calculated in your browser — we only store the underlying saved results, not the score.
7. Data Storage & Security
Account and profile data is stored on secure cloud infrastructure with Row Level Security — each user can only access their own data. Passwords are hashed and never stored in plain text. SmartMoney77 staff cannot see your password.
8. AI Chat Conversations
Conversations with the AI assistant are stored anonymously (without personal identification) to improve our service.
9. Analytics & Tracking
The website uses Google Analytics, Facebook Pixel, and an internal analytics system to collect anonymous statistical data such as pages viewed, event types, language, and anonymized IP address.
10. Cookies & Sessions
We use essential cookies for: keeping you logged in (auth session token); remembering your language and currency preferences. Additionally, the website uses analytics cookies from Google Analytics and Facebook Pixel. You can control cookie settings through your browser.
11. Affiliate Links
The website contains links to investment platforms (such as eToro, Plus500, and others). These are affiliate links — if you sign up through them, we may receive a commission. Clicking these links does not give us access to your information on those platforms.
12. Third-Party Services & Authentication
The website may contain links to third-party websites and services. These websites have their own privacy policies. If you use Google Sign-In, Google's privacy policy applies to the authentication step.
13. Your Rights
Access & export: You can view all your saved data from your profile page. Deletion: You can delete individual saved results at any time. To delete your entire account, contact us at invest@smartmoney77.com — we will process the request within 30 days. Unsubscribe: You can be removed from our mailing list at any time using the unsubscribe link in every email.
14. Data Security
We take reasonable measures to protect information collected on the website. However, no method of transmission or storage on the internet is 100% secure, and we cannot guarantee absolute security.
15. Changes to Policy
We reserve the right to update this privacy policy from time to time. Changes will take effect upon publication on the website.
16. Contact Us
For questions or inquiries regarding this privacy policy, you may contact us through the contact page on the website or by email at invest@smartmoney77.com.