Privacy Policy

Who we are

ModernWallet (www.themodernwallet.com) is operated by Layer3Labs. This policy explains what information we collect when you visit the site, how we use it, and the choices you have.

Information we collect

Calculator inputs. Our calculators run in your browser. The numbers you type into them are not sent to us or stored on our servers.

Information you send us. If you use our contact form, we receive your name, email address, and message. We use them only to reply to you.

Site search. When you use the search box, we log the search term and the number of results. We use this to find topics readers want that we haven't covered yet. Search logs are not tied to your name or email.

Usage data. Like most websites, we automatically collect standard technical information such as your IP address, browser type, device type, referring page, pages viewed, and time spent on the site.

Cookies and similar technologies

We and our partners use cookies, pixels, and similar technologies to run the site, measure traffic, and serve advertising. You can block or delete cookies in your browser settings. Some features may not work as intended if you do.

Analytics

We use Google Analytics to understand how visitors use the site. Google Analytics uses cookies to collect usage data, which Google processes under its own privacy policy. You can opt out with the Google Analytics opt-out browser add-on.

Advertising

This website uses Mediavine to manage third-party interest-based advertising. Mediavine serves content and advertisements when you visit the website, which may use first- and third-party cookies. A cookie is a small text file sent to your device by the web server so that a website can remember information about your browsing activity.

First-party cookies are created by the site you are visiting. Third-party cookies are frequently used in behavioral advertising and analytics and are created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons, and other similar technologies may be placed on the website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first- and third-party cookies and clear your browser's cache.

For more information about Mediavine's data collection practices, see the Mediavine Partner Privacy Policy. You can also visit optout.aboutads.info and optout.networkadvertising.org to learn more about interest-based advertising and how to opt out of it.

Affiliate and referral links

Some links on ModernWallet are affiliate or referral links. If you click one and sign up or buy, the partner may use cookies to credit us with the referral. We may earn a commission at no cost to you. Partners handle any information you give them under their own privacy policies.

How we use information

• To operate, maintain, and improve the site and its calculators
• To understand which content is useful and what to build next
• To respond to messages you send us
• To serve and measure advertising
• To detect and prevent spam, abuse, and security issues

We do not sell your name, email address, or the contents of your messages.

Your privacy rights

Depending on where you live, including California, other U.S. states with privacy laws, the European Economic Area, and the United Kingdom, you may have the right to access, correct, or delete your personal information, to object to or restrict certain processing, and to opt out of the sale or sharing of personal information for targeted advertising. To make a request, use our contact form. We will not discriminate against you for using these rights.

Where required by law, a consent or opt-out notice will appear when you visit the site, and you can change your choices at any time.

Children's privacy

ModernWallet is not directed to children under 13, and we do not knowingly collect personal information from them. If you believe a child has given us personal information, contact us and we will delete it.

Data retention and security

We keep information only as long as we need it for the purposes above or as required by law. We use reasonable safeguards to protect it, but no method of transmission or storage is completely secure.

Changes to this policy

We may update this policy from time to time. When we do, we will change the "Last updated" date at the top of this page.

Contact us

Questions about this policy? Reach us through our contact page.