1. Overview & Core Philosophy
Moss Ladder ("we", "us", or "our") operates this corporate website and portfolio directory. Our core engineering principle is minimal data exposure. We build tools that calculate and inform without harvesting personal information or monetizing private user behavior.
2. Information We Collect
a. Technical Infrastructure Logs
When you visit this website, our hosting provider (Cloudflare Pages) automatically logs standard, non-personally identifiable connection metadata (such as IP address, browser type, operating system, and timestamp) strictly to deliver web assets securely, mitigate DDoS attacks, and enforce edge network caching. We do not correlate server logs with individual identities.
b. Communications You Provide
If you voluntarily initiate contact via our email links or contact interface, we receive the details you choose to send (name, email address, inquiry context, and message content). We use this information solely to correspond with you and address your inquiry.
c. Calculation Tools & Financial Data
Our calculation tools (such as RothProRata) operate client-side in your web browser. Figures entered into calculators (such as IRA balances, withholding amounts, or salary inputs) are computed locally and are never transmitted to, stored on, or inspected by our servers.
3. Cookies and Tracking Technologies
This corporate website does not use advertising cookies, third-party remarketing pixels, or invasive behavioral session recorders. If privacy-respecting analytics are enabled in the future, they will run without persistent cross-site cookies.
4. Third-Party Links & Independent Properties
Our directory links to independent product websites operated by Moss Ladder (e.g., rothprorata.com) and occasional external statutory reference documentation (e.g., IRS.gov, SSA.gov). Each independent website maintains its own operational terms and privacy disclosures. We encourage you to review their specific policies upon visiting.
5. Data Retention & Security
Any email correspondence sent to our support mailbox is retained only as long as necessary to resolve your request and maintain reasonable business records. We do not sell, rent, or trade your contact details under any circumstances.
6. Your Privacy Rights
Depending on your location (such as the EU/UK under GDPR, or California under CCPA/CPRA), you may have rights to request access to, correction of, or deletion of any personal communications in our possession. To exercise these rights, contact us at the address below.
7. Contacting the Operator
For privacy-related questions or data deletion requests, please contact: