Privacy Policy

Effective Date: February 26, 2026
Last Updated: February 26, 2026

Introduction

VERZOR ("we," "our," or "us") operates verzor.nl (the "Site") and provides financial simulation and analysis tools (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

Information We Collect

Information You Provide

When using VERZOR, you may provide:

Financial parameters (wealth amount, asset allocation, time horizon)
Property information (if applicable)
Email address (for account creation, if applicable)
Payment information (processed securely by Stripe)

Automatically Collected Information

We may collect:

Browser type and version
Device information
IP address (anonymized)
Usage data (pages visited, features used)
Cookie data

How We Use Your Information

We use your information to:

Provide financial simulations and analysis
Process one-time payments via Stripe (we never see your card details)
Send service-related communications
Improve our Service
Comply with legal obligations
Prevent fraud and abuse

Your Financial Data — Browser-Only Processing

Your financial inputs never leave your device.

All tax calculations, wealth projections, Monte Carlo simulations, and jurisdiction comparisons run entirely in your browser using client-side JavaScript. This means:

No server transmission: Your wealth figures, asset allocations, property values, and time horizons are never sent to our servers or any third party
No storage: We do not store your simulation parameters in any database
No AI processing: Unlike AI chatbots (ChatGPT, Claude, etc.), your financial data never trains a model, never hits an API, and never gets stored on someone else's server
No tracking of inputs: We do not track, log, or analyse the financial figures you enter
Session-only: Your data exists only in your browser's memory and disappears when you close the tab

What we DO store:

Your email address and account data (managed by Clerk, our authentication provider)
Your subscription status (Pro / Free)
Payment records (managed by Stripe — we never see your full card details)

What we NEVER store or access:

Your wealth amount
Your asset allocation
Your property values
Your simulation parameters
Your analysis results

Account Data

If you create an account:

Email and account data are managed securely by Clerk (our authentication provider)
Payment information is handled by Stripe (PCI-DSS compliant)
We use industry-standard security measures

Cookies and Tracking

We use cookies for:

Essential functionality (session management)
Analytics (anonymized usage statistics)
We do not use marketing cookies or retargeting

We do not use cookies or tracking to monitor your financial inputs. Only essential session cookies and anonymised analytics are used.

You can disable cookies in your browser settings, though this may limit functionality.

Third-Party Services

We use the following third-party services:

Vercel (Hosting)

Hosts our application
May collect technical logs
Privacy Policy: https://vercel.com/legal/privacy-policy

Clerk (Authentication)

Manages user accounts, sign-in, and session tokens
Stores your email address and account metadata
We do not store passwords — Clerk handles this securely
Privacy Policy: https://clerk.com/privacy

Stripe (Payments)

Processes all payment information
We never see or store your full credit card details
Privacy Policy: https://stripe.com/privacy

Analytics (If Enabled)

We may use privacy-friendly analytics (Plausible or Vercel Analytics)
No personal identification
Aggregate data only

Your Rights (GDPR)

If you are in the European Union, you have the right to:

Access your personal data
Rectify inaccurate data
Erase your data ("right to be forgotten")
Restrict processing
Data portability
Object to processing
Withdraw consent at any time

To exercise these rights, contact us at: privacy@verzor.nl

Data Retention

Financial simulation inputs: Not stored (browser-only)
Account data: Retained while your account is active
Payment records: Retained for 7 years (legal requirement)
Analytics data: Anonymized and aggregated

Upon account deletion, we will erase your personal data within 30 days, except where retention is required by law.

International Data Transfers

Your data may be transferred to and processed in:

European Union (Vercel EU servers)
United States (Stripe payment processing)

All transfers comply with GDPR requirements through Standard Contractual Clauses or adequacy decisions.

Children's Privacy

VERZOR is not intended for individuals under 18 years of age. We do not knowingly collect data from children.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date.

Continued use of the Service after changes constitutes acceptance of the updated policy.

Contact Us

For privacy-related questions:

Email: privacy@verzor.nl

Supervisory Authority

If you are in the EU and have concerns about our data practices, you may contact your local data protection authority.

Netherlands: Autoriteit Persoonsgegevens (https://autoriteitpersoonsgegevens.nl)