Privacy Policy

Last Updated: May 9, 2026

Who We Are

Beyond Volatility (beyondvolatility.com) is a personal finance and lifestyle platform. We build free interactive tools and publish research-driven content about money, health, travel, and technology.

Information We Collect

Information You Provide

• Email address — When you subscribe to our newsletter, download a PDF report, or use our contact form.
• Calculator inputs — When you use our tools (e.g., Rent vs Buy Calculator, Financial Health Assessment). For logged-in users, this data may be saved to your account so you can return to it later.
• Contact form messages — When you reach out through our contact page.

Information Collected Automatically

• Usage data — Pages visited, time on site, referring URL, and interactions with tools. This is collected through standard WordPress analytics and server logs.
• Device information — Browser type, operating system, and screen size for a better experience.
• Cookies — WordPress session cookies for logged-in users. We do not use third-party tracking cookies for advertising.

How We Use Your Information

• To deliver the tools and content you request
• To send you the PDF reports and resources you download
• To send promotional emails about financial tools and resources (only if you opted in)
• To respond to your messages via the contact form
• To improve our tools and content based on usage patterns
• To maintain site security and prevent abuse

We do not sell, rent, or share your personal information with third parties for their marketing purposes.

Affiliate Links & Third-Party Services

Some pages on this site contain affiliate links to third-party products and services (such as financial platforms, credit cards, and investment tools). When you click these links and make a purchase or sign up, we may earn a commission at no additional cost to you.

These third-party sites have their own privacy policies that govern how they collect and use your data. We encourage you to review their policies before providing any personal information. We are not responsible for the privacy practices of external websites.

Third-party services we link to include but are not limited to: Chase, Robinhood, Wealthfront, Coinbase, M1 Finance, Webull, Monarch Money, Venmo, ClassPass, Uber, Lyft, and Amazon.

External Platforms

Beyond Volatility operates several specialized web applications on subdomains and separate domains. Each platform maintains its own independent authentication and data storage:

• Apex (personalfinance.beyondvolatility.com) — FIRE planning platform
• RealInvestorX (realestate.beyondvolatility.com) — Real estate analysis
• Longevity (longevity.beyondvolatility.com) — Wellness tracking
• ParentPod (parentpodapp.com) — Baby tracking application
• TheLoop (realkith.beyondvolatility.com) — Social networking
• NERC Compliance OS (compliance.beyondvolatility.com) — Compliance tracking

These platforms do not share authentication cookies, user sessions, or personal data with the main Beyond Volatility website or with each other. Each platform is a separate security boundary.

Data Retention

• Email addresses — Retained until you unsubscribe or request deletion.
• Calculator data — Retained in your WordPress user account until you delete your account.
• Contact form messages — Retained for up to 2 years for reference.
• Server logs — Automatically purged after 90 days.

Your Rights

You have the right to:

• Access — Request a copy of the personal data we hold about you.
• Correction — Request that we correct inaccurate personal data.
• Deletion — Request that we delete your personal data.
• Unsubscribe — Opt out of promotional emails at any time using the unsubscribe link in every email.
• Data portability — Request your data in a portable format.

To exercise any of these rights, contact us using the information below.

Cookies

We use essential cookies required for the site to function (WordPress session management, login state). We do not use advertising or tracking cookies.

If you use our tools while logged in, a session cookie identifies your account so your saved data can be loaded. These cookies expire when you log out or close your browser.

Children's Privacy

Beyond Volatility is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will promptly delete it.

Security

We take reasonable measures to protect your information, including:

• HTTPS encryption on all pages
• Rate limiting on form submissions and API endpoints
• Input sanitization and nonce verification on all data handling
• Regular security audits
• Isolated authentication between platforms (no shared cookies or sessions)

No method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this page periodically.