Privacy Policy

Money Field Guide (“the site,” “we,” “us”) is a free educational website about personal finance. We built it to be private by default. This policy explains what little we collect, what we don’t, and the third parties involved.

The short answer

• No accounts. You don’t sign up or log in.
• No cookies, no tracking. The site sets no cookies and does not track you across other websites.
• Your work stays on your device. Your lesson progress, worksheet answers, and reflections are saved only in your browser’s local storage, on your device — not on any server.
• The one place we receive information from you is the optional contact form, described below.

Information you store on your own device

As you use the site, your progress, worksheet entries, reflections, theme choice, and (if you add one) your Google API key are stored in your browser’s local storageon your device. This stays with you: it never reaches us, there is no server collecting it, and it’s lost if you clear your site data, switch browsers or devices, or use private/incognito mode. You can remove it anytime by clearing the site’s data in your browser.

The contact form (the information we actually receive)

If you use the contact form to request a topic or send a message, you may provide an email address (optional, only if you’d like a reply) and the content of your message. We use this solely to read and respond to what you sent. We don’t sell it, rent it, or use it for advertising, and we don’t add you to any marketing list.

The form is delivered by a third-party form-to-email service, Web3Forms, which processes your submission on its servers in order to deliver it to us. Your message therefore passes through Web3Forms before it reaches us, and is subject to Web3Forms’ own terms and privacy practices. We share this information with Web3Forms only to receive your message.

The optional assistant (“Ask”) and Google

The assistant is optional and runs on your own Google API key. When you ask a question, your message goes directly from your browser to Google’s Gemini API under your key. It does not pass through any server we operate, and we never receive, store, or log your conversations.

Because the request goes to Google, your use is covered by Google’s Gemini API terms and privacy policy. One important caveat: on Google’s free (unpaid) tier, Google may use the prompts and responses to improve its products, and human reviewers may read them. For that reason, don’t enter sensitive, confidential, or personal information into the assistant.

Analytics

The site ships with analytics off by default. If analytics are ever enabled, they are configured to be cookieless and do not track you across other websites. We do not sell or share any analytics data.

Do-Not-Track

Some browsers offer a “Do-Not-Track” (DNT) signal. Because the site does not track you across third-party websites in the first place, there is no cross-site tracking to turn off, and we do not change our behavior based on a DNT signal. We also do not allow third parties to track you across sites on our pages.

Children

The site is intended for adults (18+)and is not directed to children. We don’t knowingly collect personal information from anyone under 13 (or, for the assistant, under 18). If you believe a child has sent us information through the contact form, please reach out and we’ll delete it.

How to review, change, or delete your information

For information stored on your device, you’re in control: clear the site’s data in your browser to remove it, and remove your saved Google key anytime from the Ask page. For a message you sent us through the contact form, you can contact us to ask what we have and request that we delete it.

A note on data we hold

We genuinely keep almost nothing — but to be accurate: messages you send through the contact form do arrive in our inbox (and pass through Web3Forms on the way). That’s the only personal information we receive, and we treat it carefully.

Other privacy laws

We aim to follow the California Online Privacy Protection Act (CalOPPA). Comprehensive state privacy laws (such as the CCPA/CPRA and similar laws in other states) apply to larger businesses that meet specific revenue or data-volume thresholds; as a small, free, non-commercial educational site, we don’t meet those thresholds. Regardless, the practices above — no selling, no cross-site tracking, minimal collection — reflect how we operate.

Changes to this policy

We may update this policy from time to time. When we do, we’ll change the “Last updated” date above. If a change is significant, we’ll try to make it prominent on the site.

Contact

Questions about privacy? Reach us through the contact page. See also our Terms of Service and Accessibility statement.