Privacy Policy

Smarter Way Wealth, LLC (“we,” “our”) operates smarterwaywealth.com and youarepayingtoomuch.com (collectively, “our sites”). This notice explains what we collect when you visit our sites, how we use it, and how to contact us about your information.

Information we collect

We do not require you to create an account to browse either site. youarepayingtoomuch.com and parts of smarterwaywealth.com include fee-comparison calculators and other interactive tools. Calculator assumptions such as portfolio value, fees, growth rate, time horizon, and fee tiers may be included in the page URL. On smarterwaywealth.com, those numeric assumptions and results are removed from PostHog analytics URLs and events; downloaded results are created in your browser and are not uploaded by the calculator. The separate youarepayingtoomuch.com calculator may use anonymous modeling assumptions for product analytics. Calculator results are hypothetical and are not an account application. Do not enter confidential or personally identifying information into these tools.

If you contact us using the email address or phone number listed on our sites, we will receive the information you choose to share.

If you schedule a meeting through the Calendly scheduler embedded on smarterwaywealth.com, Calendly receives the information needed to arrange the meeting, including your name, email address, conferencing choice, and any optional note you choose to provide. Please do not include account numbers, passwords, or other sensitive information in that note. We do not send your Calendly form responses to PostHog.

Our hosting provider (Vercel), error-monitoring provider (Sentry), and analytics provider (PostHog) may receive standard technical and usage data — such as IP address, browser and device information, referring or campaign information, pages viewed, clicks, timestamps, and an anonymous identifier stored in your browser — for the purpose of operating, securing, and improving our sites.

Smarterwaywealth.com does not use PostHog session replay, generic DOM autocapture, or heatmaps. It sends only explicit reviewed events whose URLs and properties exclude calculator assumptions and results. The separate youarepayingtoomuch.com site may use session replay with password, email, and telephone fields masked. You should still avoid entering sensitive financial or personal information into ordinary website fields.

Secure onboarding

Secure onboarding is separate from the public calculators and the introductory meeting scheduler. If you receive access, we collect the verified email address, qualitative answers you choose to provide, progress and security records, and your preference about unfinished-draft reminder emails. Please do not provide account numbers, passwords, Social Security numbers, statements, holdings, or detailed balances in this experience.

An unsubmitted Your Story draft remains unavailable to the advisor until you choose Send to David for review. The draft and its resume position are stored in encrypted form. You may delete an active draft yourself. The service is designed to delete an unsubmitted draft after 30 inactive days. If optional draft emails are on, it is also designed to warn you three days before that deletion. Submitted records and limited security, audit, backup, and deletion records may be kept longer when required to operate the service, meet our legal or regulatory obligations, resolve disputes, or enforce agreements.

Unfinished-draft emails are optional. If you opt in, we may send one reminder after three inactive days and one warning three days before automatic deletion. Those messages do not include your answers or financial details. Turning optional draft emails off stops future draft emails that have not begun sending; a message already in progress may still arrive. Turning optional draft emails off does not stop security, verification, agreement, scheduling, or other service messages needed to complete a request you make.

Later onboarding steps may take you to separate services for required disclosures and the advisory agreement, billing authorization, financial planning information, account aggregation or document exchange, and the private first-planning-meeting scheduler. Those providers receive the information you enter or authorize on their services. Smarter Way Wealth onboarding pages are excluded from PostHog analytics, and story answers, email addresses, provider credentials, documents, and account-level data are not sent to PostHog.

How we use information

We use the information described above to operate our sites, monitor and fix errors, understand site and campaign performance, improve the visitor experience, and respond to inquiries you send us. We do not sell personal information.

Third parties

Our sites are hosted on Vercel, use Sentry for error monitoring, PostHog for product analytics (and, on youarepayingtoomuch.com, session replay), and Calendly for meeting scheduling. Secure onboarding may also use Google Cloud and Google Workspace for protected storage and transactional email, AdvicePay for agreement and billing steps, and RightCapital for financial-planning information and document exchange. These providers process data on our behalf or under their own privacy practices, depending on the service.

Your choices and contact

Connecticut residents and residents of other states with applicable privacy laws may have rights to access, correct, or delete personal information we hold about them. To make a request, or for any other privacy question, contact us at compliance@smarterwaywealth.com or (646) 418-2867.

Updates to this notice

We will update these pages when our practices change. The “Last updated” date above reflects the most recent revision.