Privacy Policy & Terms of Use

1. Terms of Use

Welcome to Ted & Joe Financial (accessible at tedandjoe.com). By using our website, interactive calculators, and guide content, you agree to these Terms of Use in full.

Disclaimer of Financial Advice

Ted & Joe is not a registered financial advisor. All calculators, investment projections, and educational materials provided on this website are for informational and educational purposes only. They are not intended as, and shall not be understood or construed as, financial, investment, legal, or tax advice. Past performance is no guarantee of future returns. You should perform your own research and consult a licensed financial professional before making major investment decisions.

Account Responsibility

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at info@tedandjoe.com if you suspect unauthorized access.

Limitations of Liability

To the fullest extent permitted by law, Ted & Joe Financial and its operators shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website, including reliance on calculator outputs, projections, or educational content. Our total liability for any claim related to the service is limited to the amount you paid for premium access in the twelve months preceding the claim.

Subscription Billing

Access to advanced tools requires a premium subscription billed on a recurring monthly cycle and can be canceled at any time. All transactions are securely processed by Stripe. Refunds are handled on a case-by-case basis; please contact us at info@tedandjoe.com for assistance.

2. Privacy Policy

We believe in complete transparency and privacy. Here is how we handle your data:

Information We Collect

• Account Data: If you sign up or log in, we store your email address and password hash securely via Supabase Authentication.
• Calculator Inputs: Your calculation numbers are saved locally in your browser's local storage to improve your user experience and are not transmitted to our servers.
• Payment Info: All payment details are processed directly by Stripe. We do not store or have access to your raw payment card credentials.
• Usage Analytics: We use Google Analytics to collect anonymized usage data to help us understand which pages and calculators are most helpful.

Third-Party Processors

• Supabase: Hosts authentication and user profile data within secure EU-compliant infrastructure.
• Stripe: Processes subscription payments and stores billing details. You can manage or cancel your subscription through the Stripe Customer Portal linked from your account menu.
• Google Analytics: Collects anonymized page-view and usage statistics to help us improve the site.

Your Rights

Under GDPR and other privacy laws, you have the right to access, export, correct, or delete your account information. You can do this at any time by signing out, clearing your browser data, or reaching out to us at info@tedandjoe.com.