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LEGAL COMPLIANCE

Privacy Policy

Last Updated: October 8, 2026 • DeltaSpend Labs

1. Overview and Commitment

At DeltaSpend (accessible from https://deltaspend.com), user privacy and transparency are core to our principles. This Privacy Policy outlines the types of information collected, stored, and utilized when you interact with our financial opportunity cost calculator, educational simulations, and brand ecosystem.

2. Google AdSense & Third-Party Advertising Cookies

DeltaSpend partners with third-party advertising vendors, including Google LLC, to serve advertisements when you visit our website. Please review the following mandatory disclosures regarding third-party advertising:

  • Third-Party Vendors: Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites across the Internet.
  • Advertising Cookies: Google's use of advertising cookies enables it and its network partners to serve relevant ads to our users based on their browsing activity across DeltaSpend and other digital properties.
  • Personalized Advertising Opt-Out: Users may opt out of personalized advertising at any time by visiting Google Ads Settings.
  • Consumer Choice Opt-Out: Alternatively, users may opt out of third-party vendor cookies for personalized advertising by visiting the Network Advertising Initiative or Digital Advertising Alliance opt-out portal at www.aboutads.info.

3. Data Collection and Local Processing

DeltaSpend is engineered with privacy-first architecture:

  • Calculator Inputs: Numerical entries (such as expense amounts, frequencies, and stock selections) are processed strictly on client-side JavaScript in your local browser runtime. We do not transmit or store your personal budgeting inputs on remote databases.
  • Local Storage: We use browser localStorage solely to remember non-sensitive user preferences, including your audio feedback status (sound on/off) and visual theme choice (dark/light mode).

4. Log Files and Web Analytics

Like standard web infrastructure, DeltaSpend utilizes log files provided by hosting infrastructure (Firebase Hosting / Google Cloud). These logs record internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamps, referring/exit pages, and click counts. This data is not linked to any personally identifiable information and is used exclusively for systems administration, fraud prevention, and performance diagnostics.

5. GDPR and CCPA Rights

Depending on your jurisdiction, you possess rights under the European Union General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), including:

  • The right to request disclosure of categories of personal information collected.
  • The right to request erasure of any collected personal data.
  • The right to opt-out of the sale or sharing of personal data with third-party advertisers.

To exercise any of these rights, please contact our privacy compliance team via our Contact Page.

6. Contact Information

For questions or formal inquiries regarding this Privacy Policy, please contact:

DeltaSpend Labs
Email: privacy@deltaspend.com
Website: deltaspend.com
Ecosystem: typedelta.com