Privacy Policy

Last updated: 2026-04-13

1. Information We Collect

We collect information you provide directly when using Zelovari, including your email address, ZIP code, arrangement type preference (burial or cremation), veteran status, household income, prepaid plan interest details, and Medicaid planning preferences. We also automatically collect usage data such as IP address, browser type, device information, pages visited, and interaction timestamps through standard server logs.

2. How We Use Your Information

Your end-of-life planning data is used solely to compute funeral cost comparisons, prepaid plan NPV analyses, VA benefit calculations, and Medicaid asset protection estimates. We use aggregated, anonymized usage data to improve our cost models and regional pricing accuracy. We do not sell, rent, or share your personal information with funeral homes, insurance companies, or data brokers.

3. Cookies and Tracking

Zelovari uses essential cookies to maintain your browser session and store analysis inputs locally. We do not use third-party advertising cookies or cross-site tracking pixels. Session storage is used to pass your inputs between the calculator and results pages. You may disable cookies in your browser settings, though this may affect Service functionality.

4. Data Retention

Calculator inputs stored in your browser session are cleared when you close your browser tab. Account data, including email address and saved reports, is retained until you request deletion. Server access logs are retained for 90 days for security and debugging purposes, then automatically purged. API request logs for paid subscribers are retained for 12 months for billing verification.

5. CCPA Rights

If you are a California resident, you have the right to know what personal information we collect, request deletion of your data, and opt out of the sale of your personal information (we do not sell personal data). To exercise these rights, contact privacy@smarttechinvest.com or use our CCPA deletion endpoint at DELETE /v1/user/data. We will respond to verified requests within 45 days as required by the California Consumer Privacy Act.

6. Sensitive Information

We recognize that end-of-life planning data is sensitive. We apply enhanced access controls to funeral planning records and never use your data for marketing purposes. Veteran status information is used exclusively for VA benefit calculations and is never shared externally.

7. Contact

For privacy inquiries, contact us at privacy@smarttechinvest.com.