Tuvelan ("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 tuvelan.smarttechinvest.com (the "Site") or use our college ROI analysis 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)
Education profile data you enter (target schools, major, income bracket, state, loan amount, career goal)
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 college ROI calculations based on your profile inputs
To generate and deliver analysis 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. Education Profile Data Handling

The education profile data you provide (target schools, major, income bracket) is used solely for computing ROI analysis results. We do not sell this data to third parties. Profile data entered without an account is processed in your browser and is not stored on our servers. 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 analysis models are built on federal and publicly available datasets including the College Scorecard API, IPEDS, BLS Occupational Employment and Wage Statistics, Census ACS, and BEA Regional Price Parities. We do not collect personal data about individual students or graduates from these sources. All analysis is performed against aggregate statistical distributions.

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
Analysis reports: retained for the life of your account
Payment records: retained as required by law (typically 7 years)
Anonymous education 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
Lodge a complaint with a supervisory authority (EU/UK users)

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.

11. Children's Privacy

While our Service may be used by high school students evaluating colleges, we do not knowingly collect personal information from children under 13 without parental consent. If you believe a child under 13 has provided us personal information without consent, 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.

13. Contact Us

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