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Privacy Policy

Your privacy matters to us. Learn how we collect, use, and protect your information.

Introduction

Welcome to WealthSim. This policy covers the WealthSim website and the WealthSim iOS app. We are committed to protecting your privacy and being transparent about how we handle data. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data.

By using WealthSim, you agree to the practices described in this policy. If you do not agree with this policy, please do not use our services.

Information We Collect

Calculator and Scenario Data

Website calculator inputs are stored locally in your browser. The iOS app stores calculator data on your device and, when iCloud is available, syncs saved scenarios through Apple CloudKit to your private iCloud database. This data:

  • Is not transmitted to WealthSim-operated servers
  • Is not used by WealthSim for advertising or analytics
  • May be processed by Apple to provide private iCloud sync in the iOS app
  • Can be removed by clearing browser data or deleting saved scenarios in the app

iOS Purchase Data

The iOS app shows no ads, does not track you across apps or websites, and contains no advertising or analytics SDK. It does not ask for an account.

WealthSim Pro (a one-time purchase or a yearly or monthly subscription) is sold and processed by Apple through the App Store. We use RevenueCat to record purchases: when you buy, renew, or restore, RevenueCat receives an anonymous app user ID it generates, the transaction details (product, price, currency, dates, and storefront country), and the app and system version. It does not receive your name, email, Apple Account, calculator inputs, or saved scenarios. We use this purchase history only to provide and support Pro and to count sales. We never receive or store your payment card or billing details.

Analytics Data (Anonymized)

We use Vercel Analytics to understand how visitors use our website. This service collects:

  • Page views and navigation patterns
  • Device type and browser information
  • Geographic location (country/region level only)
  • Referring websites

Vercel Analytics is privacy-preserving and does not use cookies or collect personally identifiable information. All data is anonymized and aggregated.

Information We Do Not Directly Request

WealthSim does NOT directly request or store:

  • Names, email addresses, or contact information (unless you contact us)
  • Account credentials or login information
  • Payment card or bank account information; iOS purchases are processed by Apple
  • Social security numbers or financial account details
  • Government-issued identifiers or other sensitive identity documents

How We Use Information

The limited data we collect through analytics is used solely to:

  • Improve the user experience and website functionality
  • Understand which features are most valuable to users
  • Identify and fix technical issues
  • Optimize website and app performance
  • Provide, restore, and support WealthSim Pro purchases in the iOS app

We do NOT use calculator inputs or saved scenarios for:

  • Selling or sharing with third parties
  • Profiling or behavioral tracking
  • Creating user accounts or profiles

Data Storage and Security

Website calculator inputs are stored in browser storage. The iOS app stores scenarios on-device and can sync them through Apple CloudKit to the user's private iCloud database. This means:

  • Website data remains in the browser unless you clear it
  • The iOS app may synchronize saved scenarios across devices signed into the same Apple Account
  • We do not send scenario content to WealthSim-operated servers
  • Deleting a scenario in the app synchronizes that deletion when iCloud sync is available

Our website is hosted on Vercel with HTTPS encryption. Apple applies its own security safeguards to iCloud and CloudKit data. You are responsible for securing your devices, browser profile, and Apple Account.

Third-Party Services

We use the following third-party services to operate the website and iOS app:

Apple iCloud, CloudKit, and App Store

The iOS app uses Apple CloudKit to synchronize saved scenarios through the user's private iCloud database. Apple also processes WealthSim Pro purchases and subscriptions and provides their status to the app. These services are governed by Apple's privacy policy and the settings of your Apple Account.

RevenueCat

The iOS app uses RevenueCat to record WealthSim Pro purchases with an anonymous app user ID, as described above. It is not used for advertising or tracking. Learn more in RevenueCat's Privacy Policy.

Vercel Analytics

Privacy-preserving analytics service that does not use cookies or collect PII. Learn more at Vercel's Privacy Policy.

AI Assistants, ChatGPT and the Public API

Our calculators are also available to AI assistants, such as the WealthSim app in ChatGPT, through our MCP server (www.wealthsim.app/api/mcp) and our REST API (www.wealthsim.app/api/tools). Neither needs an account, a login or a cookie.

  • We receive only the values the assistant sends for a calculation, such as an amount, a number of years or a US state, compute the result and send it back. We do not store those values.
  • For each call we write one line to our hosting provider's (Vercel) runtime logs with the tool name, a short label for the client (its name or user agent, at most 60 characters) and whether the call succeeded. It contains no calculation values and no IP address, and it is kept only as long as Vercel retains runtime logs for our plan.
  • To stop abuse, the server counts requests per IP address in memory for one minute. That count is not written anywhere.
  • Your conversation with the assistant is processed by its provider under its own privacy policy, for ChatGPT the OpenAI Privacy Policy. WealthSim does not receive your messages, only the calculation request.

Your Rights (GDPR & CCPA)

Under privacy laws such as GDPR (Europe) and CCPA (California), you have rights regarding your data:

  • Right to Access - Request data controlled by WealthSim; calculator and scenario content is not stored on WealthSim-operated servers
  • Right to Delete - Clear browser storage or delete saved iOS scenarios; iCloud data can also be managed through Apple's iCloud settings
  • Right to Export - Export your calculations using the PDF export feature
  • Right to Opt-Out - Use the website's privacy controls; the iOS app has no advertising or tracking to opt out of

We do not receive calculator or scenario content on WealthSim-operated servers. If you have questions or concerns about other data processing, please contact us.

Children's Privacy

WealthSim is not directed to children under the age of 13, and we do not knowingly collect personal information from children. Parents and guardians should supervise children's use of financial tools and provide appropriate guidance.

International Users

WealthSim is accessible globally. Apple may process iCloud and purchase data, RevenueCat may process iOS purchase records, and website analytics providers may process their disclosed data, on servers in multiple countries under their own legal safeguards and privacy policies.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we will update the "Last Updated" date at the bottom of this page. We encourage you to review this policy periodically. Continued use of WealthSim after changes constitutes acceptance of the updated policy.

Contact Us

WealthSim is operated by Oscar Gallego Ruiz, based in Spain.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We will respond to all legitimate requests within a reasonable timeframe.

Last updated: November 14, 2026