Privacy Policy

1. Introduction & Scope

Welcome to Money Reset Lab ("we," "our," or "us"), operating via moneyresetlab.com. We provide privacy-focused, accessible personal finance tools, including debt payoff planners, budget calculators, emergency fund calculators, and savings playbooks.

This Privacy Policy outlines how our web application processes information when you access our tools, subscribe to our newsletter, or submit an inquiry through our contact form.

2. The Zero-Bank-Login Guarantee

Unlike traditional personal finance apps that demand access to your online banking username, password, or third-party bank-linking aggregators, Money Reset Lab is built on a Client-Side Local Computing Model.

3. Information We Collect

Because our core calculation tools require no account registration, the scope of data collected is minimal:

• Direct Inquiries & Contact Form: When you send a message through our Contact page, we collect your name, email address, chosen subject category, and message text to respond to your request.
• Email Newsletter (Optional): If you opt in to receive our free financial checklists or weekly money guides, we collect your email address via our secure email delivery provider. You can unsubscribe at any time with one click.
• Aggregated Technical Telemetry: Like virtually all websites, our hosting servers collect non-identifiable technical metadata such as browser user-agent, operating system, approximate geographic country/region, referring URL, and page performance metrics.

4. Cookies & Local Browser Storage

Money Reset Lab utilizes browser storage technologies primarily to enhance your experience:

• LocalStorage: Saves your customized debts, active savings checklist items, and sprint challenge progress so you don't lose your calculations when refreshing the page.
• Theme Preference Cookie/Storage: Remembers your chosen Dark Mode (Obsidian Navy) or Light Mode (Ice Slate) visual preference.

You can view complete technical details on our dedicated Cookie & Storage Policy.

5. Third-Party Links & Affiliate Disclosure

Our website and financial guides may include links to external financial institutions, credit bureaus, books, or software tools. Some of these links may be affiliate links, meaning we may receive a small commission if you choose to sign up or make a purchase, at no additional cost to you.

We do not share any data you enter on Money Reset Lab with these third parties. Once you leave our domain, you are governed by the privacy practices of that respective platform.

6. Your Privacy Rights (GDPR, CCPA/CPRA)

Whether you reside in California, the European Union, the United Kingdom, or elsewhere globally, we uphold universal privacy standards:

• Right to Know & Access: You may request details of any personal information we hold about you (such as email newsletter subscription records).
• Right to Erasure / Deletion: You can wipe your calculator history instantly by clearing your browser cache or clicking "Reset Data" on any tool. To delete your contact records or email newsletter profile, email us at privacy@moneyresetlab.com.
• Do Not Sell or Share My Info: We never sell personal data. We do not engage in cross-context behavioral profiling.

7. Data Security Safeguards

All network communication with Money Reset Lab is encrypted via modern Transport Layer Security (TLS 1.3 / HTTPS). Because we minimize server-side data retention to the absolute minimum, the attack surface for financial data theft is inherently eliminated.

8. Children's Privacy (COPPA Compliance)

Our website and tools are intended for individuals 18 years of age or older (or the age of majority in your jurisdiction). We do not knowingly collect personal data from children under the age of 13.