Privacy Policy

Last updated:

One-sentence summary: Learn Your Money is a local-first app for your financial inputs. Your financial inputs stay in your browser and are never sent to a server. We have no ability to see, share, sell, or lose your financial data.

1. What we collect

Almost nothing — and no personal financial data.

Learn Your Money is a static-file web app. It runs entirely inside your browser. Your personal financial inputs stay in your browser and are never sent to a server. The site is hosted on Cloudflare and uses Plausible Analytics (privacy-friendly, no cookies, no personal data) to count anonymous page visits — only the page viewed, country, device type, and referrer. Some public content and community features (such as compensation catalogs and the forum) use a hosted database, but your financial inputs are never stored or synced there. No financial inputs or form values are ever sent; your entered data is stored locally in your browser and not transmitted to our servers.

Lee — the Financial Question Analyzer. Lee helps you turn a money question into the right Learn Your Money tool and the steps to use it. How it handles your input:

No login, no account. Lee is free and works without signing in or connecting any account.
We don't store your question. Your typed or pasted text is processed in your browser to decide which tool fits. The raw text is not saved anywhere.
Sensitive details are removed first. Before Lee processes anything, it scrubs items like Social Security numbers, account and card numbers, dates of birth, phone numbers, emails, and addresses. Please still avoid pasting personal identifiers — Lee doesn't need them.
Only de-identified learning signals are kept. To help us prioritize which tools to build next, Lee may record an anonymous, structured signal (for example: the topic category, whether we had a tool for it, and rough shape such as "mentions a dollar amount"). These contain no personal identifiers and none of your original words.
Education, not advice. Lee never tells you what to do, never computes your taxes or returns itself, and points you to the calculators that do the math.
No outside AI. Lee's routing runs entirely on Learn Your Money's own deterministic logic. It does not send your question to any external AI service.
Typed or pasted text only (for now). Uploading screenshots or documents is a possible future feature and is not active today.

2. Where your data lives

Every number, name, account, and scenario you enter is stored in your browser's localStorage. It is not transmitted to our servers.

Clearing only your browser's cache may not remove locally saved planning data, because cache and site storage are different browser mechanisms. To remove the data through browser settings, clear this site's cookies/site data — not only cached images and files (the exact menu wording varies by browser). The most reliable in-app method is "Clear planning data & start over" in the sidebar.
If you open the app on a different device, your data is NOT there automatically.
To move data, use "Backup & Restore" (sidebar) — saves a .json file you control.

3. Third-party services

The app makes the following network calls. We have NO ability to add others without you noticing — you can read every line of the source code.

Chart.js library (self-hosted on learnyourmoney.org, loaded the first time you view a graph, then cached): provides graph rendering. No data sent.
Anthropic Claude API (only if YOU configure your own API key in AI Settings): when YOU enable AI scenario building, your scenario description + a summary of your current data are sent directly from your browser to Anthropic. Anthropic does not train on API content by default per their published terms. This is opt-in and disabled by default.

4. Cookies, tracking, analytics

Zero cookies. We use Plausible Analytics for anonymous page-visit counts only — no cookies, no cross-site tracking, no Google Analytics, Mixpanel, Segment, Posthog, or advertising pixels. Plausible records page URL, country, device type, and referrer. Your entered data is stored locally in your browser and not transmitted to our servers.

5. Children

This app is intended for adults managing their own finances. It is not directed at children under 13, so it complies with COPPA by design.

6. Your rights

Because your financial inputs aren't stored on a server, there's no "delete request" to make for them. You delete the data by:

Clicking "Clear planning data & start over" in the sidebar. This removes financial plans, saved scenarios, profiles, reports, and locally saved planning inputs from this browser. It intentionally keeps purchase access, display settings, Terms acceptance, and account authentication — those are not planning data.
Clearing your browser's localStorage (this removes everything, including purchase access and sign-in).
Closing the browser tab.

7. Security

Local storage is protected by your operating system's user account security. Anyone with physical access to your unlocked computer can read it. For high-sensitivity scenarios, use a dedicated browser profile or run on an encrypted disk.

8. Disclaimer

This app is an educational tool. Calculations are estimates based on data YOU input. Tax law and state regulations change frequently. We do not guarantee the accuracy of any number, projection, or recommendation. Always consult a certified CPA or tax attorney to validate before acting. We are not responsible for errors in figures you input or for tax, legal, or financial decisions you make based on the app's output. See full Terms & Disclaimer at terms.html.

9. Changes to this policy

This policy may be updated to reflect changes in the app. The "Last updated" date will change accordingly. Material changes will be flagged in-app.

10. Contact

Questions? Use the in-app 💬 Feedback bubble or visit the Contact page.

Plain English version of this policy: We don't have your financial data. We can't see it. We can't lose it. We can't sell it. We can't even back it up for you. The trade-off is: you're responsible for backing it up. That's the deal.

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