Privacy Policy & Terms of Service

Privacy Policy

Last updated: January 2026

This Privacy Policy explains how we collect, use, and protect information when you use our web application (the "App"). We are committed to respecting your privacy and collecting only what is necessary to operate and improve the App.

  1. Information We Collect

a. Information You Voluntarily Provide

You may choose to provide certain information in order to receive results from the App. This may include:

  • Name
  • Email address

You may also optionally provide demographic or contextual information, such as:

  • Gender
  • Age range
  • Location (e.g., country or region)
  • Occupation
  • Net worth range

Providing demographic information is entirely optional and is not required to use the App.

b. Automatically Collected Information

We collect limited technical information necessary to operate the App, such as:

  • Device and browser type
  • General usage information (e.g., pages visited, features used)

This information is collected in a non-identifying or pseudonymous manner.

  1. How We Use Information 

We use the information we collect for the following purposes:

  • To generate and deliver results requested by you
  • To communicate results or necessary service-related messages
  • To operate, maintain, and secure the App
  • To understand how the App is used and improve functionality
  • To analyze responses in aggregated and de-identified form to identify trends and insights

We do not use personal information for:

  • Targeted advertising
  • Cross-site tracking
  • Selling or renting personal data
  • Creating individual user profiles beyond delivering results
  1. Aggregated and De-identified Insights 

We may analyze user responses in aggregated, de-identified form to understand general trends and patterns. These insights may be shared publicly, including in articles, reports, or newsletters (such as a Substack publication). Any insights we share:

  • Are based on groups, not individuals
  • Do not identify any individual person
  • Cannot reasonably be used to re-identify users
  1. Cookies and Similar Technologies

a. Essential Cookies

We use essential cookies that are necessary for the App to function properly. These may include cookies used to:

  • Maintain session continuity
  • Prevent duplicate submissions
  • Support security and performance

These cookies do not identify you personally and cannot be disabled without impacting core functionality.

b. Analytics Cookies

We may use analytics cookies to understand how the App is used, such as which features are accessed and how often. Analytics data is used only in aggregate form to improve the App.

We do not use cookies for advertising, marketing, or cross-site tracking. You can control or delete cookies through your browser settings.

  1. Data Sharing 

We do not sell personal information. We may share limited information with trusted service providers who help us operate the App (for example, hosting or analytics providers). These providers are authorized to use information only as necessary to provide services to us and are required to protect it.

  1. Data Retention 

We retain personal information only for as long as necessary for the purposes described in this Privacy Policy. Specifically:

  • Name and email address may be retained to create and maintain an email distribution list in order to share updates about the App, including new features or valuable content related to the topic of Define Your Wealth.
  • You may unsubscribe from these communications at any time by using the unsubscribe link included in emails or by contacting us directly.
  • Demographic and response data may be retained in aggregated or de-identified form for analytical and research purposes.

Where feasible, identifying information (such as name and email address) is logically separated from demographic data. We do not retain personal information longer than reasonably necessary, and we take steps to delete or anonymize information when it is no longer needed.

  1. Your Rights 

Depending on your location, you may have the right to:

  • Request access to your personal information
  • Request correction or deletion of your information
  • Object to or restrict certain processing

You may exercise these rights by contacting us using the information below.

  1. International Users 

The App is operated from the United States. If you access the App from outside the U.S., you understand that your information may be processed in the U.S. or other jurisdictions where we or our service providers operate.

  1. Changes to This Policy 

We may update this Privacy Policy from time to time. The updated version will be indicated by the "Last updated" date.

  1. Contact Us 

If you have questions about this Privacy Policy or our data practices, please contact us at: hello@invisiblewealth.io.

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Terms of Use

Last updated: January 2026

These Terms of Use ("Terms") govern your access to and use of the App. By accessing or using the App, you agree to be bound by these Terms.

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  1. Use of the App 

You may use the App solely for your personal, non-commercial use and in accordance with these Terms. You agree not to misuse the App or attempt to access it using automated means.

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  1. Intellectual Property Rights 

All rights, title, and interest in and to the App, including but not limited to:

  • Software and source code
  • Algorithms, models, methodologies, and processes
  • User interface and visual design
  • Text, graphics, and other content
  • Trademarks, logos, and branding 

are owned by us or our licensors and are protected by intellectual property laws. Nothing in these Terms grants you ownership of any intellectual property.

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  1. Access and Permitted Use

Subject to your compliance with these Terms, we permit you to access and use the App via a web browser for its intended, non-commercial purpose. This permission does not transfer any ownership rights and does not grant you any rights to:

  • Copy, reproduce, distribute, the App or its content
  • Reverse engineer, decompile, or attempt to discover the source code, algorithms, or underlying processes
  • Use the App, its outputs, or its processes to build or assist a competing product or service
  • Scrape, harvest, or systematically collect data or content from the App without our prior written consent All rights not expressly permitted are reserved by us.

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  1. Trademarks 

All trademarks, service marks, names, and logos associated with the App are our property. You may not use them without our prior written consent.

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  1. User Conduct 

You agree not to:

  • Interfere with the operation or security of the App
  • Submit false or misleading information
  • Use the App in violation of any applicable laws 

We reserve the right to suspend or terminate access for violations of these Terms.

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  1. Disclaimers 

The App is provided "as is" and "as available" without warranties of any kind. We do not guarantee that the App will be error-free or uninterrupted.

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  1. Limitation of Liability 

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, consequential, special, or exemplary damages arising out of or related to your use of the App.

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  1. Arbitration and Class Action Waiver 

Any disputes arising out of or relating to these Terms or the App shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. By using the App, you agree to waive any right to participate in a class action or class arbitration.

  1. Indemnification 

You agree to indemnify, defend, and hold harmless us and our affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the App, your violation of these Terms, or your violation of any applicable law or third-party rights.

  1. No Professional Advice 

The App and any outputs, insights, or content provided through it are for informational and educational purposes only. Nothing in the App constitutes financial, legal, investment, or professional advice, and you should not rely on the App as a substitute for professional advice tailored to your circumstances.

  1. Severability and Entire Agreement 

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms.

  1. Contact Us

If you have questions about the Terms of Use, please contact us at: hello@invisiblewealth.io.

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