Privacy Policy

1. What we collect

• Account information: your first and last name, email address, and — if you provide them — phone number, medical or dental specialty, and practice type.
• Documents you upload: tax returns or related financial documents you choose to submit for automated reading.
• Financial figures: values you enter manually, or values extracted from your documents and confirmed by you, such as filing status, wage income, business net profit, and property basis.
• Diagnostic history: the estimates generated for you and when they were generated.
• Consent and audit records: the version of the terms you accepted, whether you opted in to be contacted, and the date, time, and optionally the IP address and browser user agent of that acceptance.
• Basic usage records: sign-in events and diagnostic submissions, kept for security and operational purposes.
• Chat messages: if you use the "Chloe" chat assistant on our website, the questions you type to it and, if you choose to share them in the conversation, your name and email address.

2. How we use it

We do not use your uploaded documents or financial figures for advertising, and we do not use them to train third-party models. Chat messages sent to the Chloe assistant are not used to generate your diagnostic estimate and are handled separately from the document and figure data described above.

• To generate your diagnostic estimate.
• To maintain your account and your saved result history so you can sign in later and see past results.
• To secure the service, investigate misuse, and maintain required consent records.
• Only if you affirmatively opt in via the separate consent-to-contact checkbox: to allow GenWealth 360 to follow up with you about your results or related services.
• To generate responses from the Chloe chat assistant, your chat messages are sent in real time to OpenAI, L.L.C., a third-party artificial intelligence provider, solely to produce an answer to your question.

3. Storage and security

We retain uploaded documents and diagnostic inputs only as long as needed for the purposes described above, or as required by law, and delete them thereafter in the ordinary course of our data retention practices.

• Passwords are stored only as salted one-way hashes and are never recoverable in plain text.
• Uploaded documents are stored outside any publicly served directory, under randomly generated filenames, and are not accessible by guessing a web address.
• Access to stored documents and figures is limited to your own account and to authorized GenWealth 360 personnel who need it for the purposes described above.
• Data is transmitted over encrypted connections.

4. Sharing

We do not sell your personal information to third parties. We may share information with service providers who host or operate the service on our behalf, and where required by law or to protect our legal rights.

If you use the Chloe chat assistant, the messages you type into it are shared with OpenAI, L.L.C. as our sub-processor, solely to generate a response. OpenAI processes this data under its own API data usage terms, which as of this policy's effective date state that API inputs and outputs are not used to train OpenAI's models by default. We do not control OpenAI's systems and are not responsible for their independent processing of this data beyond generating the response returned to you.

5. Your choices

• You may decline the consent-to-contact checkbox and still see your diagnostic result.
• You may request access to, correction of, or deletion of your account information and uploaded documents by contacting GenWealth 360.
• You may withdraw contact consent at any time.

6. Scope of this policy

The Tool collects professional and financial information you choose to provide — it does not collect patient health information, and HIPAA does not apply to the information processed by the Tool. Where applicable, GenWealth 360 complies with the Gramm-Leach-Bliley Act, the California Consumer Privacy Act, and other applicable state privacy and data-breach notification laws.