Privacy Policy

What we collect. The calculator runs in your browser and does not save anything on its own. If you open a free membership we collect your name, email, phone number and a password, stored as a secured hash rather than plain text, along with any plan you save, any post or message you write in the community, and the contribution amounts you choose to log. If you request an illustration we also collect your date of birth and the goal you pick, so a licensed professional can build your projection.

Why we collect it. To run your membership, track your plan, points and badges, let you take part in the community, and have a licensed professional build and follow up on your illustration. Your date of birth is needed because age drives the design of a life insurance policy.

Who sees it. Celestial Wealth Solutions's licensed professionals and the service providers who help us run the site, including our hosting provider (Cloudflare) and our email delivery provider, each limited to using it to provide that service. We do not sell your personal information.

California privacy rights. If you live in California, you can ask us to tell you what personal information we hold about you, correct it, or delete it, and you can opt out of any sale or sharing of personal information. We do not sell or share personal information, and we will not treat you differently for asking. Send a request to geancarloUWF@outlook.com and we will respond within the time California law allows.

Contact consent and texts. By submitting a form on this site you agree that Celestial Wealth Solutions may contact you by phone, text or email about your request or your membership. Message and data rates may apply. Consent is not a condition of purchase. Reply STOP to any text to opt out at any time.

Cookies. This site sets one cookie, and only after you sign in to your free membership, so we know you are signed in. We do not use tracking or advertising cookies.

Children. This site is built for adults 18 and older. A parent or guardian may open a membership or request an illustration for a policy on their child. When they do, we collect the parent's details, not the child's.

Changes. If this policy changes, we will post the update here with a new date.