1. Educational content only
Everything on Midlife Money Clarity Calculators (articles, calculators, guides, quizzes and downloads) is general, educational and self-reflection material. Some of it is drafted with AI assistance and then reviewed by us. It is not legal, financial, investment, tax, insurance, medical, mental-health or other professional advice, and it does not create any professional relationship. Calculator results are rough illustrations based only on the numbers you enter. No returns, savings, income or outcomes are guaranteed. Laws, tax limits and prices change and differ by country and state. Please check official sources and speak to a qualified, licensed professional before making decisions.
2. Brands, research and links
We are independent. We are not affiliated with, sponsored by or endorsed by any company, product or researcher we mention (for example our checkout provider Gumroad, our host Cloudflare, or The Gottman Institute, whose published research we refer to). Trademarks belong to their owners. We currently receive no affiliate commissions, paid placements or sponsorships from links on this site. If that changes, we will clearly label affected links and pages.
3. If you feel unsafe
If you are worried about your safety at home, contact the US National Domestic Violence Hotline (1-800-799-7233, thehotline.org) or the UK National Domestic Abuse Helpline (0808 2000 247). In an emergency call 911 (US) or 999 (UK). Our workbooks and quizzes are not a substitute for professional or crisis support.
4. Digital products and refunds
Our products are sold and delivered through Gumroad, which acts as merchant of record and calculates any sales tax or VAT at checkout. Because products are instant digital downloads, by completing a purchase you expressly request immediate access and acknowledge that you lose any right to cancel or withdraw once the download begins (for example under the UK Consumer Contracts Regulations 2013, reg. 37, and EU Consumer Rights Directive art. 16(m)). This does not affect your statutory rights, including remedies if a product is faulty or not as described (for example under the UK Consumer Rights Act 2015 or the Australian Consumer Law). If something is wrong with a download, email us at kingsley.voss.wealth@gmail.com.
5. Privacy
We do not run analytics, advertising trackers or our own cookies on this site, and we do not ask you to create an account. Calculators and quizzes run in your browser; the numbers you type are not sent to us.
- Hosting: the site is hosted on Cloudflare Pages. Cloudflare may process technical data such as IP address and browser information to deliver and secure the site (see Cloudflare's privacy policy).
- Checkout: every page loads Gumroad's checkout script (gumroad.com/js/gumroad.js). Gumroad may set cookies or process data when it loads and when you buy; purchases are governed by Gumroad's own terms and privacy policy.
- Forms: optional quizzes on Tally (tally.so) are processed by Tally under its privacy policy. Only submit what you are comfortable sharing.
- Email: if you email us, we use your message only to reply.
Depending on where you live (for example under the UK/EU GDPR, California law or Taiwan's Personal Data Protection Act) you may have rights to access, correct or delete personal data we hold. Contact kingsley.voss.wealth@gmail.com.
