Privacy Policy

Effective date: June 26, 2026

Jacobus Company, LLC ("Company," "we," "us," or "our") built Investment Scenario Lab (the "Service") as a privacy-respecting, educational financial-modeling tool. This Privacy Policy explains what information we do and do not collect, how we use it, and the choices you have. Our guiding principle is privacy by design and data minimization: we try to collect as little as possible and to keep your modeling on your own device wherever we can.

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1. Our Privacy-by-Design Posture

• Data minimization. We collect only what is reasonably necessary to provide the Service.
• No forced account or brokerage linking. The Service does not require you to connect a brokerage, bank, or investment account, and it does not link to or import data from such accounts. It holds no money or assets.
• Local/client-side computation. Wherever practical, the assumptions you enter and the projections you generate are computed in your browser / on your device and are not transmitted to or stored on our servers.
• No sale of personal data. We do not sell or rent your personal information, and we do not share it for cross-context behavioral advertising.

2. Information We Collect

We aim to keep this list short.

a. Financial assumptions and inputs ("Scenario Figures").

The returns, inflation rates, allocation percentages, contribution/withdrawal amounts, and similar figures you enter. These stay on your device (in your browser's local storage) and are never transmitted to or stored by us. We recommend you use hypothetical, non-personal numbers.

b. Name and email, only if you choose to give them.

The free tool does not require an account and does not ask for your name or email to use it. We collect your name and email only if you (i) opt in to product updates through our optional signup form, or (ii) purchase the Pro version. We use them solely to send the updates you requested and to deliver and support your purchase. You can unsubscribe at any time.

c. Limited technical and usage data (analytics & A/B testing).

Our website host and analytics provider(s) may use cookies and similar technologies to measure how the Service is used and to run A/B tests on design and features, so we can improve it. This is standard usage measurement (such as page views and which version performed better); we do not use it to collect the figures you enter into scenarios, and we do not run advertising or cross-site ad trackers. You can block or delete cookies in your browser settings. We may also collect minimal technical information such as device/browser type and approximate region to operate and secure the Service.

We do not intentionally collect sensitive personal information (such as Social Security numbers, account numbers, or government IDs), and you should not enter such information into the Service.

3. How We Use Information

We use information only to:

• provide, operate, and maintain the Service;
• perform the calculations and illustrations you request (locally, in your browser);
• send you product updates if you opted in, and deliver/support your purchase if you bought Pro;
• run anonymous analytics and A/B tests to secure and improve the Service; and
• prevent abuse or fraud and comply with law.

We do not use your Scenario Figures to provide advice, we do not sell your data, and we do not profile you for advertising.

4. Cookies and Analytics

We use local storage that is necessary for the Service to function (for example, to remember your saved scenario and that you accepted the Terms). Our host and analytics provider(s) may set cookies and similar technologies to measure usage and support A/B testing of design and features; we do not use advertising or cross-site ad trackers. You can block or delete cookies in your browser at any time. Depending on your jurisdiction and the providers we use, a cookie-consent notice may be required, confirm the requirements for your situation.

5. How We Share Information

We do not sell your personal information. We share information only:

• with service providers / processors acting on our behalf under confidentiality obligations and only as needed, namely our website host, our analytics provider(s), our email/newsletter provider, and our payment & licensing provider (which processes Pro purchases and issues license keys);
• to comply with law, valid legal process, or to protect rights, safety, and the integrity of the Service; or
• in connection with a business transfer (merger, acquisition, or asset sale), subject to this Policy.

6. Data Retention

Because your scenario activity is client-side, it stays in your browser and persists until you clear it. For the limited data we do hold: we keep newsletter/contact details until you unsubscribe or ask us to delete them, and purchase and license records for as long as needed to provide the subscription and to meet tax, accounting, and legal obligations, after which we delete or anonymize them.

7. Security

We rely on reputable third-party providers (hosting, payments, and email) that maintain industry-standard safeguards, serve the site over HTTPS, and minimize the personal data we hold. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If a data breach affecting your personal information occurs, we will notify affected users and authorities as required by applicable law.

8. Your Choices and Rights

• Local data control. You can review or delete locally stored inputs at any time by clearing them in the Service or your browser.
• Access, correction, and deletion. Where we hold personal data, you may request access, correction, or deletion by contacting us (Section 11).
• Opt-out. You may decline optional features (such as saved accounts) and still use the core educational tool.
• Regional rights. Depending on where you live, you may have additional rights (for example, under GDPR, UK GDPR, or the CCPA/CPRA), including the right to access, delete, correct, port, or restrict processing, and the right not to be discriminated against for exercising them. To exercise any of these rights, contact us using Section 11.
• No sale or sharing. We do not sell your personal information and do not share it for cross-context behavioral advertising as those terms are defined under the CCPA/CPRA, so no "Do Not Sell or Share My Personal Information" opt-out is required. Where we rely on a legal basis under the GDPR/UK GDPR, it is performance of a contract (providing the Service and Pro purchases), consent (optional email updates), or our legitimate interest in securing and improving the Service.

9. Children's Privacy

The Service is not directed to children under 18, and we do not knowingly collect personal information from them. If you believe a child has provided us information, contact us and we will delete it.

10. International Users and Changes

If you access the Service from outside the United States, you understand your information may be processed where the Company and its providers operate. We may update this Policy from time to time; we will post the revised version with a new effective date and, where required, provide additional notice.

11. Contact

For privacy questions or to exercise your rights, contact:

Jacobus Company, LLC

scenario_lab@julieclarkson.com

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This Privacy Policy should be read together with the Investment Scenario Lab Terms of Service and Disclaimer.