Privacy Policy

Pälymorf LLC ("Pälymorf," "we," "us," or "our") operates the website at palymorf.com and related services (the "Service"). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our Service.

By using the Service, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

We collect information you provide directly and information generated through your use of the Service.

Information you provide:

• Name (first and last)
• Email address
• State of residence
• Phone number (optional)
• Assessment responses to our Life and Wealth Audit questionnaire
• Payment information (processed securely by Stripe — we do not store card details)

Information collected automatically:

• Browser type and version
• Pages visited and time spent on the Service
• Referring URLs
• IP address (used for security purposes only)

2. How We Use Your Information

We use the information we collect to:

• Deliver and personalise your Life and Wealth Audit
• Create and manage your account
• Process payments and maintain purchase records
• Send your report access link and account-related emails
• Schedule consultation calls when requested
• Improve the accuracy and relevance of our assessment
• Communicate updates, insights, or offers (you may opt out at any time)
• Comply with legal obligations

We do not sell your personal information to third parties.

3. How We Share Your Information

We share your information only with trusted service providers who help us operate the Service:

• Supabase — database hosting and authentication
• Stripe — payment processing
• Vercel — website hosting and delivery

Each provider processes your data solely on our behalf and under confidentiality obligations. We may also disclose information if required by law or to protect the rights and safety of our users or the public.

4. Data Retention

We retain your account information and assessment results for as long as your account is active, or as long as needed to provide the Service. You may request deletion of your data at any time by contacting us at the address below. Upon verified request, we will delete your personal data within 30 days, except where retention is required by law.

5. Security

We implement industry-standard safeguards to protect your information, including encrypted data transmission (TLS), secure authentication via Supabase, and access controls limiting who can view your data. No method of transmission over the internet is 100% secure; we cannot guarantee absolute security, but we take reasonable precautions to protect your data.

6. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Opt out of marketing communications
• Data portability — receive a copy of your data in a structured format

To exercise any of these rights, contact us at the address below. We will respond within 30 days.

7. Cookies

We use cookies and similar technologies to maintain your session and remember your preferences. Authentication tokens are stored in your browser's local storage to keep you signed in. We do not use advertising or third-party tracking cookies.

8. Children's Privacy

The Service is intended for adults aged 18 and over. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided personal information, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. Continued use of the Service after any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically.

10. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us: