Last updated: November 4, 2026
What changed on November 4, 2026:section 4 now says a person on the team reads chats in the preview to check Eva's answers.
What changed on October 11, 2026:we now say when OpenAI gets a request that went to Claude first, what happens to a guest chat when you sign in, and what the Review check keeps (section 4). We removed the section about partners. On October 9, 2026, the AI chat and explanations moved to Anthropic's Claude first, with OpenAI as a backup, and we started removing some private numbers from chat text.
This policy says what InvestEd collects, why, who else handles it, and what you can delete. We wrote it to match what the product does today.
The short version
- We do not sell your data. We do not share it for advertising.
- We do not connect to your bank. We never ask for a bank login.
- When you use the AI, we send your plan numbers and what you type to Anthropic's Claude by default, so it can write the answer. Sometimes the same request goes to OpenAI instead (section 4).
- We keep your data until you delete it, unless section 8 says otherwise.
- You can delete your account and most of what is tied to it yourself. A few things stay. Section 9 lists them.
- InvestEd is for education. It is not financial advice.
1. Who we are
InvestEd runs the-invested.com. InvestEd is run by Vignesh Coumarane.
Contact: vignesh.coumarane@the-invested.com
2. What we collect
If you use InvestEd without an account:
- a random guest session ID, saved in your browser;
- the numbers you enter and the results we calculate;
- your chat messages with the AI and its replies;
- what the chat is tracking in your conversation;
- an email, if you choose to enter one in the planner.
Please do not type your name, account numbers or other IDs into the chat. Before chat text is stored or sent to the AI, we look for card numbers, bank account and routing numbers, Social Security numbers and passwords, and remove them. The check looks for patterns and for words like "account" or "SSN" next to a number, so it can miss a number typed on its own or written in another way. Everything else you type is stored and sent to the AI as you typed it.
If you sign in: all of the above, plus:
- your email;
- profile details you choose to give (name, phone, country, age range, life stage, how you make decisions, what you want help with);
- saved plans and their versions, financial details you save, monthly check-ins, and stars you earn.
Other features:
- Blog comments: your name, an optional email and your comment. The comment is public. Your email is stored but not shown.
- Feedback, feature requests and optional notes. We only quote a note if you tick the box that says we can.
- Google hosts the feedback form.
Collected automatically:
- Technical data: IP address, device and browser type, and the page that sent you here.
- Usage events (for example, that you finished or saved a plan), without dollar amounts.
- A record of each calculation run, with its inputs and results, and of how the AI features ran.
- A short record each time the Review check runs (section 4). It has no text and no account or session ID.
If you used InvestEd as a guest and then sign in: we link that guest session to your account, so your earlier work shows there. If you keep a guest chat going after you sign in, that chat is copied to your account. The guest copy stays under the guest ID until you delete your account or your AI history (section 9).
3. How we use it
- To run your calculations and show results.
- To answer your questions with the AI.
- To save your plans.
- To sign you in and keep your account safe.
- To fix bugs, stop abuse and limit overuse.
- To see how the product is used and improve it.
- To help when you ask.
Only the people who run InvestEd can see account data, and only for support and security.
We do not use your data to sell products to you.
4. How the AI works with your data
- Calculators: our calculators run on our own engine and do not call an AI model.
- Which AI:by default, the chat and explanations use Anthropic's Claude. If a Claude call fails, or does not give an answer we can use, we send the same request to OpenAI. We can also switch one feature, such as the explanations of your results, to OpenAI for a while. Either way, OpenAI gets the same content Claude would have, as described next.
- What we send: your plan numbers, what you type in the chat, earlier messages in the same chat, and profile facts that shape your plan if you gave them: country and state, age range, income and how steady it is, work type, tax filing status, life stage, and your planning preferences. If the AI looks at your plans, it sees their names exactly as you typed them, so please keep account numbers and other private details out of plan names. When you go from the planner chat to your results, your last few chat messages go along so the AI there knows what you said.
- What we do not send: the name, email address and phone number saved in your account or used to sign in.
- What you type: before your chat text is stored or sent to the AI, we look for card numbers, bank account and routing numbers, Social Security numbers and passwords, and remove them. The check can miss a number typed on its own or written in another way, and everything else you type is sent as you typed it. Please do not type your name, contact details, account numbers or ID numbers.
- Who reads chats:we may read chats and the AI's replies to fix problems and check that the AI follows our rules. Apart from the providers in section 5, we do not share them.
- Review check: when you reach the Review page after a pay-off-debt chat, our server can rebuild your plan from your saved chat and, if you are signed in, your saved profile and financial details. It compares that plan with the one your browser is about to run. This runs in the background, in memory. It does not use an AI, sends nothing to Anthropic or OpenAI, and does not save the plan it builds. It keeps one short record: counts, fixed labels such as the kinds of difference found, how long the check took, when it ran, which version of our code ran, and a code made from your conversation ID and a secret salt, so records from the same conversation can be grouped. The record has no text, no plan numbers and no account or session ID. It is not linked to your account, so deleting your account does not remove it.
- Anthropic's and OpenAI's side:each company's own terms govern what it keeps and how it uses the data it receives. Their privacy pages are Anthropic's and OpenAI's. We cannot delete data either company holds.
- If OpenAI is used: OpenAI says data sent to its API is not used to train its models unless the customer opts in, and that it keeps abuse monitoring logs for up to 30 days, unless longer retention is required by law or is reasonably necessary to protect against harm (OpenAI's page on API data). When we use OpenAI, we also ask it not to store our requests for later retrieval.
The AI reads what you tell it, fills in your plan for you to check, and explains your results. A separate engine does all the math. The AI does not give advice and it can make mistakes, so check your plan before you run it.
In this preview, a person on our team reads chats to check Eva's answers.
5. Who else handles your data
We use these providers to run InvestEd:
- Anthropic: AI chat and explanations.
- OpenAI: the same AI chat and explanations, when a Claude call fails or gives no answer we can use, or while we have switched a feature to OpenAI.
- Microsoft Azure: hosting and databases.
- Microsoft Entra: Microsoft sign-in.
- SendGrid: sends your sign-in code.
- Amplitude and Ahrefs: analytics.
- Google: the feedback form.
We do not sell your data or share it with advertisers.
6. Cookies and analytics
Amplitude shows how people move through the product. Ahrefs counts page visits and where visitors come from.
What Amplitude records:
- page views, sessions, the referrer and tracking tags in the link;
- IP address, device and browser type, and a location worked out from the IP;
- a random browser ID, never your account ID or email;
- events such as starting, saving, signing in or check-ins. These carry choices and counts, not dollar amounts.
What neither tool gets: income, balances, loans, results, form text, or anything you say to the AI. We do not record your screen or clicks.
You can block both tools with a tracker blocker. InvestEd works the same with them blocked.
Your browser also stores your guest ID, a sign-in token, an email you used in the planner, and unsent drafts. Clear your browser data to remove them.
7. Signing in
There is no password. You enter your email and we send a six-digit code. It works once, expires after 10 minutes, and has a limited number of tries. You stay signed in for 7 days. Your email goes to SendGrid to deliver the code, or to Microsoft if you use Microsoft sign-in. We never ask for a bank login. You do type balances and loans so the planner can work.
8. How long we keep it
- Sign-in codes: 10 minutes. Sessions: 7 days.
- Review check records: no set end date. They have no account or session ID.
- Everything else: until you delete it.
- Our hosting provider keeps backups for a limited time.
9. Your choices
Delete your account: go to Account, then Delete account. We delete:
- your profile, plans and versions;
- financial details and check-ins;
- AI chats and feature requests;
- usage logs tied to you;
- the guest sessions you linked at sign-in.
Delete only AI chats: go to Account, then Delete AI history. This removes your AI chats, including chats from guest sessions you linked at sign-in. Your saved plans stay.
What stays:
- copies Anthropic or OpenAI already hold;
- public blog comments (ask us to remove one);
- stars earned before you signed in;
- analytics records and backup copies;
- Review check records, which have no account or session ID;
- your Microsoft account, if you used Microsoft sign-in.
If you never signed in: email vignesh.coumarane@the-invested.com. Tell us roughly when you used InvestEd and from which device. Guest data is tied to a random ID in your browser, so we may not be able to find it, but we will try.
Other requests: to see, correct or delete data, email vignesh.coumarane@the-invested.com.
If a delete does not fully finish, the app tells you it was partial. Try again or contact us.
10. Security
We use encrypted connections, sign-in codes that expire, and limits on guesses. No system is perfectly safe.
11. Age
InvestEd is for people 18 and older. We do not knowingly collect data from anyone under 18. If you think a child gave us data, write to us and we will delete it.
12. Changes
When we change this policy, we update the date at the top.
13. Contact
For any privacy request or question, email vignesh.coumarane@the-invested.com. You can also use our feedback form.