Effective Date: November 5, 2025

This Privacy Policy explains how Montekardos LLC (“we,” “us,” “our”) collects, uses, and protects information through montekardos.com and our financial-planning SaaS and educational content (the “Services”). By using the Services, you consent to these practices.

1) Information We Collect

We may collect personal and non-personal information when you:

• Create or access an account for our cash-flow and Monte Carlo tools
• Submit forms, schedule demos, or communicate with us directly

Data we may collect includes: name, email, phone, business contact details, billing details, and any optional inputs you enter into our tools (e.g., assumptions, scenarios, or preferences).
We do not collect bank logins, Social Security numbers, or similar sensitive identifiers.

2) How We Use Information

• Provide, secure, and support our SaaS tools and educational materials
• Personalize features and improve product performance
• Send service notices (e.g., security, policy, or feature updates)
  We do not sell or rent your data and do not use it for third-party advertising.

3) Sharing & Disclosure

We do not share your personal information with third parties.
We may disclose information only if required by law, to protect our rights or safety, or to investigate fraud/abuse.

4) Storage & Security

Data is stored in the United States. We use encryption, access controls, and other safeguards to protect your information. No method is 100% secure; if you prefer, you can contact us via phone or mail instead of online forms.

5) Your Rights

You may request to access, correct, delete, or restrict processing of your personal data, and you may opt out of non-essential communications.
Contact: [email protected]

6) Cookies & Analytics

We use first-party cookies only (e.g., to maintain sessions and improve functionality). We do not use third-party tracking or advertising cookies. You can disable cookies in your browser, but some features may not function.

7) Children

Our Services are intended for users 18+. We do not knowingly collect data from children under 13; if discovered, we will delete it promptly.

8) International Access

If you access the Services from outside the U.S., you consent to processing under U.S. law, which may differ from your local laws.

9) Changes

We may update this policy and will post the latest version at montekardos.com/privacy with a new effective date. Continued use after changes signifies acceptance.

10) EXCEPTIONS TO PRIVACY POLICY

While we are committed to keeping Your information secure and private (to ensure the overall integrity and confidentiality of the data), we have the following exceptions to our privacy policy: We will release specific information about You or Your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Sites, or a physical or property threat to You or others. We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change.

We will share personal information with our partners, affiliates or other trusted businesses to market relevant educational products and services – including telephone solicitations. The trusted partners are bound by confidentiality agreements, and don’t have any independent right to share Your personal information. Students have the express right to limit (or eliminate) the sharing of information using the opt-out procedure described below. Also, please write to us to obtain a list of our trusted partners.

Further, the information You enter when making a purchase or an online donation will be shared with payment processors, financial gateways, and Your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose or carrying out the transactions. Please note that if You give out personal information online through a discussion board or posting site, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of information You post in these forums. You disclose such information at Your own risk.
11) Contact

Montekardos LLC
Vancouver, Washington, USA
Email: [email protected]