What we know about you

The planner sends us nothing

Every holding, price, cost basis, tax rate and spending figure you type stays in your browser. There is no account, no login, no brokerage connection and no upload. We could not show you your own plan if you asked us to, because we do not have it.

Your work-in-progress is written to your browser's local storage on your own device, so a refresh doesn't cost you an hour of typing. It is not synced, not backed up and not visible to us. Clearing your browser data for this site removes it.

If you'd rather not take our word for any of this: the file you can buy never contacts us at all. The only requests it is capable of making are the price look-ups you press the button for, and those go straight to the price service. The build refuses to produce that file if any code in it points back at our servers. You can open it in a text editor and check — a large part of what you'd be paying for is not having to trust us.

Price look-ups

If you press "fetch latest prices", the ticker symbol goes from your browser straight to the price service — CoinGecko for crypto, Finnhub for stocks. Those requests do not pass through us, and they carry the ticker only: never your quantities, your basis or your plan. If you save a Finnhub key it is kept in your browser alone and is never written into a saved plan or a share link.

Share links

A share link carries the whole plan inside the link itself, after the # — the part of a web address that browsers never send to a server. If you send someone a link, they see the plan; we don't. Be aware that anyone you give the link to can read it, so treat it like a document.

If you buy

Checkout is run by Polar Software Inc. as merchant of record. You give Polar your name, email, payment details and enough location information to charge the right tax. We never see your card. Polar passes us your name, email address, order number and country.

We use those to: stamp your copy of the file so it is traceable to your order, send you the download link and the receipt, send you an occasional note when a new version is published, and answer you if you write in. We do not sell it, rent it, or use it for advertising, and we don't hand it to anyone except the services listed here that we need in order to do those things.

We keep order records for as long as tax and accounting law requires — seven years — and delete what we are not required to keep.

If you ask us to email you a plan

The planner may offer to email you a copy of the plan you are looking at. That is the one case where your figures reach us, and only because you asked. We use the address to send that email and to write to you about Torsalis. There is an unsubscribe link on every one.

Visiting the site

We use privacy-preserving, aggregate analytics with no cookies and no cross-site tracking, so we can see that a page was read without knowing who read it. We do not run advertising trackers and we do not build a profile of you. Our host keeps standard server logs, including IP addresses, for a short period for security and abuse prevention.

Your rights

You can ask what we hold about you, ask us to correct it, ask us to delete it, or ask for a copy. Email rachel@integralayer.io and we'll do it. If you are in the UK, EU or a US state with its own privacy law, you have those rights by statute, and we honor them regardless of where you live. If we can't resolve something, you can complain to your data protection authority.

Torsalis isn't meant for anyone under 18 and we don't knowingly collect their information.

Who we are

The data controller is Buchanan Consulting LLC, doing business as Torsalis, of 5753 Hwy 85 N #5096, Crestview, FL 32536. Write to rachel@integralayer.io.