Talovex ("we," "us," or "our") is a product of Smart Technology Investments LLC. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit talovex.smarttechinvest.com (the "Site") or use our student loan repayment optimization services. Please read this carefully. If you do not agree with its terms, please do not access the Site.

1. Information We Collect

Information you provide directly:

Email address (if you create an account)
Loan profile data you enter for optimization (balance, interest rate, income, family size, filing status, occupation, employer type)
Payment information (processed by Stripe; we do not store card numbers)
Communications you send us

Information collected automatically:

IP address and approximate geolocation (country/region level)
Browser type, operating system, device type
Pages visited, time on page, referring URL

2. How We Use Your Information

To run student loan repayment plan optimization calculations based on your profile
To generate and deliver optimization reports
To process payments and manage your account and credit balance
To send transactional emails (receipts, reports, account notices)
To send product updates and marketing communications (with your consent; you may opt out at any time)
To analyze usage patterns and improve the product
To detect and prevent fraud or abuse
To comply with legal obligations

3. Financial Data Handling

The loan and income data you provide is used solely for computing plan optimization results. We do not sell financial data to third parties. Loan profile data entered without an account is processed in your browser and is not stored on our servers. Loan profile data associated with an account is stored encrypted and can be deleted at any time by deleting your account.

4. Data Sources We Use

Our optimization models are built on federal and publicly available datasets including Federal Student Aid repayment plan parameters, HHS poverty guidelines, BLS occupational wage data, and IRS tax brackets. We do not collect personal data about individual borrowers from these sources. All optimization is performed against aggregate statistical distributions and published plan rules.

5. Cookies and Tracking Technologies

We use essential cookies necessary for the Site to function (session management, CSRF protection). With your consent, we also use analytics cookies to understand how visitors use the Site. You may reject non-essential cookies via our cookie banner.

6. Third-Party Services

Cloudflare -- CDN, DDoS protection, Workers API hosting, and D1 database
Stripe -- Payment processing (PCI-DSS compliant)
Vercel -- Hosts and delivers our web application

These services have their own privacy policies. We have data processing agreements in place where required.

7. Data Retention

Account data: retained for the life of your account plus 2 years
Optimization reports: retained for the life of your account
Payment records: retained as required by law (typically 7 years)
Anonymous loan profile data (no account): not stored beyond the browser session

8. Your Rights

Depending on your location, you may have the right to:

Access the personal data we hold about you
Correct inaccurate data
Request deletion of your data ("right to be forgotten")
Object to processing or withdraw consent
Data portability

To exercise any of these rights, email us at privacy@smarttechinvest.com. We will respond within 30 days.

9. California Privacy Rights (CCPA / CPRA)

California residents have specific rights under the California Consumer Privacy Act. We do not sell or share personal information with third parties for their direct marketing purposes. To submit a CCPA request, email privacy@smarttechinvest.com with "CCPA Request" in the subject line.

10. Data Security

We implement industry-standard technical and organizational measures to protect your data, including TLS encryption in transit, encrypted storage at rest, access controls, and regular security reviews. No system is perfectly secure; we will notify you of any breach as required by applicable law.

11. Children's Privacy

The Site is not directed to children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us personal information, contact us and we will promptly delete it.

12. Changes to This Policy

We may update this policy periodically. We will post the revised policy with an updated "Last updated" date. For material changes, we will provide additional notice. Continued use after changes constitutes acceptance.

13. Contact Us

Smart Technology Investments LLC
Email: privacy@smarttechinvest.com
Website: talovex.smarttechinvest.com