Privacy Policy

1. Local In-Browser Processing & Storage

When you input asset tickers, dollar values, share counts, or target percentage allocations into PortfolioRebalancingTool.com, this data is processed exclusively within your device's browser execution environment using native client-side JavaScript. For your convenience, your active session state is saved locally to your device's browser localStorage so your calculations persist across browser refreshes. You can permanently clear this local state at any time by clicking the "Clear All (Start Fresh)" button or by clearing your browser cache. This financial data is never transmitted to, intercepted by, or stored on our servers.

2. Google AdSense & Third-Party Advertising Disclosures

In strict compliance with Google Publisher Policies and privacy regulations:

• Third-Party Vendor Cookies: Third-party vendors, including Google, use cookies (such as the DoubleClick DART cookie) to serve advertisements based on a user's prior visits to this website or other websites across the Internet.
• Interest-Based Advertising: Google's use of advertising cookies enables it and its partner network to serve personalized ads to users based on their navigation history across the web.
• User Opt-Out Pathways: Users may opt out of personalized advertising at any time by visiting Google Ads Settings. Alternatively, you can opt out of third-party vendor cookies for interest-based advertising by visiting AboutAds.info or the Network Advertising Initiative (NAI) opt-out tool.

3. Server Logs & Edge Network Security

Like all web properties delivered via global Content Delivery Networks (Cloudflare), our hosting infrastructure automatically collects standard, non-personally identifiable diagnostic HTTP server logs (such as truncated IP address, browser user-agent, operating system, referring URL, and timestamp). These logs are utilized strictly to ensure uptime, prevent DDoS exploits, enforce SSL encryption, and optimize delivery speeds.

4. Analytics & Measurement

We utilize Google Analytics 4 (GA4) to evaluate aggregate, anonymous web traffic metrics (such as page views, country-level geographic distribution, and session duration) to understand user interest and optimize software usability. GA4 anonymizes IP addresses by default and does not record personally identifiable financial inputs.

5. GDPR & CCPA/CPRA Privacy Rights

Under the General Data Protection Regulation (GDPR) for European Economic Area residents and the California Consumer Privacy Act (CCPA/CPRA) for California residents, users hold the right to know what personal information is collected, request its deletion, and opt out of data monetization. Because PortfolioRebalancingTool.com operates under a zero-knowledge architecture and does not collect or store user accounts, identities, or personal profiles, we do not sell or share consumer financial data.

6. Contact & Data Protection Officer

If you have questions regarding this Privacy Policy, our advertising disclosures, or our client-side architecture, please contact our data compliance desk at privacy@portfoliorebalancingtool.com. Response time is typically within 24 to 48 business hours.