Privacy Policy

1. Important Notice About Tax and Financial Information

TaxSaveIQ provides educational tax calculators and planning scenarios. It is not intended to collect or store complete tax returns, Social Security numbers, government ID numbers, bank account numbers, credit card numbers, full employer records, payroll files, tax transcripts, IRS notices, or other highly sensitive documents.

You should not enter highly sensitive personal information into TaxSaveIQ unless specifically requested and necessary for a feature we clearly provide.

TaxSaveIQ is designed to help users estimate and save educational tax scenarios, not to replace tax preparation software, professional tax advice, legal advice, accounting advice, investment advice, payroll advice, or financial planning advice.

2. Information We Collect

We may collect the following categories of information.

A. Account Information

When you create an account or sign in, we may collect:

• email address;
• authentication information;
• account creation date;
• login/session information;
• user ID assigned by our authentication provider;
• basic profile information if you provide it later;

We currently use Supabase for authentication and account management.

B. Calculator Inputs

When you use our calculators, you may enter information such as:

• tax year;
• filing status;
• state of residence;
• W-2 wages;
• self-employment income;
• short-term capital gains;
• long-term capital gains;
• qualified dividends;
• other income;
• dependents;
• deduction information;
• itemized deduction amounts;
• 401(k), IRA, HSA, FSA, and dependent care FSA contribution information;
• business-related inputs;
• home office estimates;
• mileage estimates;
• Section 179 or depreciation-related estimates;
• other planning scenario inputs;

If you use the calculator without saving a scenario, the information may be processed in your browser and may not be stored in your account. If you choose to save a scenario, we store the inputs and calculated results associated with your account.

C. Saved Scenario Data

If you save a calculator scenario, we may store:

• scenario name;
• tax year;
• filing status;
• state selection;
• input data;
• calculated results;
• estimated tax amounts;
• effective and marginal tax rates;
• estimated contribution opportunities;
• timestamps;
• user ID associated with the saved scenario;

Saved scenarios are intended for educational tracking and comparison only.

D. Dashboard and Carryforward Data

As we add features, we may collect and store:

• saved calculator history;
• month-to-month snapshots;
• year-to-year summaries;
• carryforward data;
• contribution tracking;
• saved planning assumptions;
• dashboard preferences;
• report-generation history;

These features may be added gradually and may not all be available at launch.

E. Payment Information

If we later offer paid plans, payment information may be collected and processed by a third-party payment provider such as Stripe. We do not intend to directly store full credit card numbers on our servers. Payment processors may collect payment details, billing addresses, transaction information, subscription status, and payment history under their own privacy and security practices.

F. Communications

If you contact us, request support, submit feedback, or communicate with us, we may collect:

• name;
• email address;
• message content;
• support request details;
• screenshots or files you choose to provide;
• communication history;

G. Technical and Usage Information

We may collect technical information such as:

• IP address;
• browser type;
• device type;
• operating system;
• referring page;
• pages visited;
• date and time of visit;
• approximate location derived from IP address;
• performance data;
• error logs;
• feature usage;
• session activity;
• clicks and navigation patterns;

This may be collected through hosting providers, analytics providers, logging tools, or security tools.

We use analytics tools (such as Google Analytics 4) to understand aggregate usage patterns and improve the product. We do not intentionally send personal tax inputs — such as income amounts, tax results, or filing details — to analytics platforms. Analytics data is collected at the aggregate level to understand which features are used and how the product can be improved.

H. Cookies and Similar Technologies

We may use cookies, local storage, session storage, and similar technologies to:

• keep users signed in;
• manage authentication sessions;
• remember preferences;
• protect against fraud or abuse;
• understand website performance;
• analyze usage;
• improve user experience;

Some cookies may be required for the website to function.

3. Information We Do Not Intend to Collect

TaxSaveIQ is not designed to collect:

• Social Security numbers;
• full tax returns;
• IRS account transcripts;
• bank account numbers;
• credit card numbers directly;
• driver's license numbers;
• passport numbers;
• full payroll files;
• medical records;
• protected health information;
• complete employer benefit documents;
• children's personal information;

If you accidentally enter unnecessary sensitive information, you are responsible for removing it where the platform allows or contacting us to request deletion.

4. How We Use Information

We may use information to:

• provide tax calculators and educational tools;
• create and manage user accounts;
• authenticate users;
• save and display tax scenarios;
• show dashboard information;
• calculate educational estimates;
• compare planning scenarios;
• provide contribution opportunity indicators;
• improve calculator accuracy and usability;
• troubleshoot bugs and technical problems;
• respond to support requests;
• prevent fraud, abuse, and unauthorized access;
• maintain website security;
• analyze product usage;
• develop new features;
• communicate service updates;
• comply with legal obligations;
• enforce our Terms of Use and disclaimers;

We do not use TaxSaveIQ information to prepare or file tax returns.

5. Legal Bases and Business Purposes

Depending on applicable law, we may process information for the following purposes:

• to provide services requested by the user;
• to maintain user accounts;
• to perform website functionality;
• to improve and secure the platform;
• to comply with legal obligations;
• to protect rights and prevent misuse;
• to support legitimate business operations;
• with consent where required;

6. How We Share Information

We do not sell user tax scenario data.

We may share information in limited circumstances.

A. Service Providers

We may share information with service providers that help us operate TaxSaveIQ, including:

• hosting providers;
• database providers;
• authentication providers;
• analytics providers;
• payment processors;
• email providers;
• security tools;
• logging and monitoring providers;
• customer support tools;
• AI or automation providers if enabled later;

These providers may process information on our behalf.

B. Legal and Compliance Purposes

We may disclose information if required or permitted by law, including to:

• comply with legal process;
• respond to lawful requests;
• protect rights, safety, and property;
• investigate misuse or fraud;
• enforce terms;
• comply with tax, business, regulatory, or security obligations;

C. Business Transfers

If Wealth Building Academy LLC or TaxSaveIQ is involved in a merger, acquisition, financing, asset sale, reorganization, bankruptcy, or similar transaction, user information may be transferred as part of that transaction.

D. With Your Consent

We may share information with your consent or at your direction.

7. Third-Party Services

TaxSaveIQ may rely on third-party services, including but not limited to:

• Vercel for hosting and deployment;
• Supabase for authentication and database services;
• domain/DNS providers;
• analytics providers;
• payment processors;
• AI service providers if enabled later;
• email or support platforms;

These third-party providers may collect or process information according to their own privacy policies and terms. We are not responsible for the privacy or security practices of third-party services that we do not control.

8. Supabase Authentication and Database

TaxSaveIQ currently uses Supabase for authentication and database functionality.

Supabase may process information such as:

• account email;
• authentication session data;
• user ID;
• saved scenario data;
• database records connected to your account;
• technical logs;

TaxSaveIQ uses row-level security concepts so that saved scenario data is intended to be accessible only to the user account associated with that data. However, no technical system can be guaranteed to be completely secure.

9. Cookies, Sessions, and Authentication

When you sign in, authentication cookies or similar session technologies may be used to keep you logged in and to protect your account.

If you disable cookies, account and dashboard features may not work properly.

10. Analytics and Tracking

We may use analytics tools to understand:

• number of visitors;
• pages visited;
• calculator usage;
• button clicks;
• signup flows;
• saved scenario usage;
• general performance metrics;
• error trends;

Analytics help us improve the website. We do not use analytics to collect complete tax return information or highly sensitive personal information. If we add analytics tools, we may update this Privacy Policy with additional details.

11. AI-Assisted Features

TaxSaveIQ may add AI-assisted features in the future, such as:

• plain-English explanation of calculator results;
• educational tax concept summaries;
• planning scenario explanations;
• report summaries;
• question-and-answer functionality;

If AI-assisted features are enabled, information you submit to those features may be processed by third-party AI service providers.

You should not submit Social Security numbers, full tax returns, bank account numbers, medical information, or other highly sensitive information into AI features.

AI-assisted content is for educational purposes only and should not be treated as professional advice. We may update this Privacy Policy before launching production AI features.

12. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect information. These may include:

• authentication controls;
• database access controls;
• row-level security policies;
• encrypted transmission where supported;
• secure hosting providers;
• limited access to production data;
• environment variable protection;
• monitoring and logging;
• security-conscious development practices;

However, no website, database, network, hosting provider, authentication provider, or internet transmission is completely secure.

13. Data Retention

We may retain information for as long as reasonably necessary to:

• provide user accounts;
• maintain saved scenarios;
• support dashboards;
• comply with legal obligations;
• resolve disputes;
• enforce agreements;
• maintain security;
• improve the platform;

If you delete your account or request deletion, we may delete or de-identify certain information, subject to legal, security, backup, and operational requirements. Backups and logs may persist for a limited time before being deleted according to our service providers’ retention schedules.

14. User Choices and Controls

Depending on available features, you may be able to:

• create an account;
• sign in and sign out;
• save scenarios;
• view saved scenarios;
• delete saved scenarios;
• update certain information;
• request account deletion;
• request correction of certain information;
• opt out of non-essential communications;

Some features may not be available at launch. To request data access, correction, or deletion, contact us using the contact information below.

15. Account Deletion

If you want to delete your account or saved scenarios, contact us at:

We may need to verify your identity before processing the request. Deletion may not be immediate if information is stored in backups, logs, or systems maintained by third-party providers.

16. Children’s Privacy

TaxSaveIQ is intended for adults and is not directed to children under 13.

We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete it.

17. California and Other State Privacy Rights

Depending on your state of residence and applicable law, you may have rights to request:

• access to personal information;
• correction of personal information;
• deletion of personal information;
• information about categories of data collected;
• information about categories of data disclosed;
• opt-out of certain sharing or targeted advertising;
• limitation of certain sensitive data uses;

TaxSaveIQ is an early-stage platform and may not be subject to every state privacy law threshold. However, we will make reasonable efforts to respond to privacy requests.

Submit privacy requests to: dk@wealthbuildingacademy.net

18. Illinois Privacy and Data Breach Notice

Wealth Building Academy LLC is registered in Illinois. Illinois has data breach notification requirements for certain businesses that experience a security breach involving personal information. If we determine that a breach requiring notice has occurred, we will provide notices as required by applicable law.

19. Do Not Track Signals

Some browsers offer “Do Not Track” signals. Because there is no consistent industry standard for responding to these signals, TaxSaveIQ may not respond to Do Not Track signals at this time. If we later implement tools that allow user-level privacy preferences, we may update this section.

20. Marketing Communications

If we later offer newsletters, product updates, or marketing emails, you may opt out of marketing communications by following unsubscribe instructions or contacting us. We may still send non-marketing messages related to your account, security, saved scenarios, terms, or service updates.

21. Data Transfers

Our service providers may process and store information in the United States or other locations. By using TaxSaveIQ, you understand that information may be processed in locations where privacy laws may differ from those in your jurisdiction.

22. Links to Other Websites

TaxSaveIQ may link to third-party websites, including government websites, tax resources, articles, tools, and professional resources. We are not responsible for the privacy practices, security, accuracy, or content of third-party websites. Review the privacy policies of any third-party websites you visit.

23. Professional Users and Client Data

Tax professionals, advisors, bookkeepers, accountants, coaches, consultants, or other professional users should not enter a client’s personal tax data into TaxSaveIQ unless they have proper authorization and comply with all applicable professional, legal, ethical, privacy, and data security obligations.

TaxSaveIQ is not designed to serve as a professional tax workpaper management system or secure client document vault.

24. Sensitive Information Warning

Do not enter unnecessary sensitive information into TaxSaveIQ, including:

• Social Security numbers;
• taxpayer identification numbers;
• bank account numbers;
• credit card numbers;
• full tax returns;
• IRS notices;
• medical records;
• driver's license numbers;
• passport numbers;
• employer payroll files;
• complete financial statements;
• login credentials for other services;

If future features require additional sensitive information, we will update disclosures accordingly.

25. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we update it, we will revise the “Effective Date” at the top. Your continued use of TaxSaveIQ after changes are posted means you accept the updated Privacy Policy. Material changes may be communicated through the website, email, account notice, or other reasonable methods.

26. Contact Information

For privacy questions, data requests, account deletion requests, or concerns, contact:

27. Summary of Key Points

• TaxSaveIQ is an educational tax calculator and planning scenario platform.
• We may collect account information, calculator inputs, saved scenario data, and technical usage data.
• If you save a scenario, your inputs and results may be stored in your account.
• TaxSaveIQ does not provide tax, legal, accounting, investment, financial, or professional advice.
• Do not enter highly sensitive personal information unless required by a clearly identified feature.
• We use third-party providers such as hosting, authentication, and database services to operate the platform.
• We do not sell saved tax scenario data.
• You may contact us to request deletion or correction of information.