Last updated: May 11, 2026
This Privacy Policy describes how Modern Wealth Model (“we,” “us,” or “the Site,” operated at modernwealthmodel.com) collects, uses, and discloses information when you visit the Site. By using the Site, you consent to the practices described here.
1. Who we are
Modern Wealth Model is an independent financial education site published from California, United States. The site is operated as a registered DBA in California. For background on the publisher, see the About page. For privacy inquiries, see Section 12 below.
2. Information we collect
We collect two general categories of information:
Information you provide directly. If you email us, leave a comment, or contact us through any form on the Site, we receive whatever information you choose to share, typically a name, email address, and the content of your message.
Information collected automatically. When you visit the Site, our servers and third-party services automatically receive standard technical information, including IP address, browser type and version, operating system, referring URL, pages visited, time spent on pages, and date/time stamps. This information is collected via cookies, server logs, and similar technologies.
3. How we use information
- To operate, maintain, and improve the Site and its calculators
- To respond to questions, feedback, consulting inquiries, and bug reports
- To understand how visitors use the Site, in aggregate, so we can improve content and structure
- To detect and prevent spam, abuse, and security incidents
- To comply with legal obligations
We do not sell personal information, and we do not rent or trade visitor lists.
4. Cookies and tracking technologies
The Site uses cookies and similar technologies. Cookies are small text files stored on your device by your browser. We use them for:
You can control or block cookies through your browser settings. Disabling cookies may affect site functionality.
5. Google Analytics
We use Google Analytics 4, provided by Google LLC, to understand how visitors interact with the Site. Google Analytics uses cookies and similar identifiers to collect data including IP address (truncated where supported), device and browser information, pages viewed, session duration, and approximate geographic location. We use this data only in aggregate form to improve the Site.
You can opt out of Google Analytics tracking using the Google Analytics Opt-out Browser Add-on. Google’s privacy policy is available at policies.google.com/privacy.
6. Advertising and Google AdSense
The Site may display advertising provided by Google AdSense and other third-party ad networks. When advertising is active, these networks may use cookies and web beacons to collect information about your visits to this Site and other sites in order to provide advertisements about goods and services of interest to you. This may include the use of personalized advertising based on your prior visits.
- Google, as a third-party vendor, uses cookies (including the DoubleClick DART cookie) to serve ads based on your visits to this and other websites on the internet.
- You may opt out of personalized advertising by visiting Google Ads Settings.
- You may opt out of third-party vendors’ use of cookies for personalized advertising by visiting aboutads.info or networkadvertising.org/choices.
For users in the European Economic Area, the United Kingdom, and Switzerland, ad personalization is governed by Google’s EU User Consent Policy and additional consent requirements may apply.
7. Third-party services we use
The Site relies on the following third-party service providers, each of which has its own privacy policy governing the data it collects:
- Web hosting and caching: EasyWP (Namecheap) and Cloudflare
- Analytics: Google Analytics 4, Google Search Console
- Search optimization: Rank Math SEO plugin
- Advertising (when active): Google AdSense
- Comment avatars: Gravatar (Automattic)
- Affiliate program tracking: Various affiliate networks (disclosed on the Affiliate Disclosure page)
8. Comments and forms
When you leave a comment, the Site stores the comment text, your provided name, your provided email (not displayed publicly), your IP address, and your browser user agent string. This information is used to display the comment, detect spam, and respond if needed. Comment data is retained indefinitely unless you request deletion. If you have an account and log in, we set a temporary cookie to determine if your browser accepts cookies.
9. Data retention
We retain personal information only as long as needed for the purposes described in this policy, or as required by law. Analytics data is retained per Google Analytics’s default retention settings. Comment data is retained for as long as the comment remains on the Site. You may request deletion of your data at any time (see Section 12).
10. Your rights
Depending on where you live, you may have the following rights regarding your personal information:
- Right to access the personal information we hold about you.
- Right to correction of inaccurate or incomplete information.
- Right to deletion of your personal information, subject to legal exceptions.
- Right to opt out of certain processing, including analytics and personalized advertising.
- Right to data portability in machine-readable format.
- Right to non-discrimination for exercising any of these rights.
California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). Residents of the European Economic Area, the United Kingdom, and Switzerland have additional rights under the General Data Protection Regulation (GDPR). To exercise any of these rights, use the contact information in Section 12.
11. Children’s privacy
The Site is intended for general audiences and is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, please contact us and we will delete it.
12. How to contact us about privacy
For privacy-related questions, requests to exercise the rights above, or complaints, write to hello@modernwealthmodel.com with “Privacy” in the subject line. We aim to respond within 30 days.
13. Security
The Site is served over HTTPS. We rely on industry-standard security measures provided by our hosting and infrastructure partners. No system is fully secure, and we cannot guarantee absolute security of information transmitted to or from the Site.
14. Changes to this policy
We may update this Privacy Policy from time to time. Material changes will be reflected by updating the “Last updated” date at the top of this page. We encourage periodic review.