Your numbers. Your browser.

1. Contact for privacy enquiries

For questions about privacy and personal-data processing on Wealth Architecture Hub, contact tracedbygrace@gmail.com. This privacy notice remains subject to legal review.

2. Calculator data saved on your device

BNPL Debt X-Ray runs in your browser. It stores entered plans and forecast settings in that browser’s local storage so they remain after a refresh. These financial entries are not transmitted to a Wealth Architecture account or financial database. Browser storage can disappear if you clear your site data or use another device.

JSON backup and CSV export files are generated locally and saved where you choose. We cannot restore those files for you.

3. Website hosting and technical requests

Cloudflare supplies the website and may process IP addresses and other request/security metadata required to deliver content and protect the site. That is separate from the calculations performed in your browser. Consult Cloudflare’s privacy information ↗.

4. Contact form through Web3Forms

When you submit the form, your name, email address, selected topic and message are sent to Web3Forms for delivery to our designated mailbox. Unlike calculator entries, these contact-form details leave your browser and are handled by a third-party service and our email provider. We use them to read and respond to enquiries. Do not send financial account numbers, passwords or sensitive supporting documents through the form.

Web3Forms describes its processing in its privacy information ↗. Its documentation indicates processing infrastructure outside the European Union, including the United States. See its terms and disclosures for current transfer details. Web3Forms states in its July 2026 privacy policy that submitted form data may be retained for up to three years unless deleted earlier under its applicable terms. Messages received in our mailbox may remain until deleted or no longer needed to respond to your enquiry.

5. External video and community links

We link directly to YouTube videos, the channel and its Community area. These are links, not embedded players, so our video cards do not load YouTube’s tracking scripts just because you visit a page. If you click a YouTube link, the destination service applies its own data policies.

6. Cookies, analytics and site scripts

V1.1 does not include advertising pixels, third-party analytics scripts or user accounts. The calculator uses local storage, not an application database. Our contact form makes a request to Web3Forms only when you submit it. Technical services such as Cloudflare may have their own necessary security processing.

7. Your controls and enquiries

• Use Start blank in the calculator to reset your saved entries.
• Clear site data in your browser to remove locally saved information.
• Export a backup before clearing data if you wish to preserve your plans.
• For questions about messages you sent, contact us by email. Applicable data protection rights depend on the processing and jurisdiction.

8. Educational limitation

Financial inputs are estimates and assumptions. The calculator does not access your financial accounts or provide a real-time balance, credit determination or personalized financial advice.

Last updated

October 22, 2026 (website V1.1). Review legal disclosures, data transfers and retention practices before promoting the site publicly.