Privacy Policy | Installment Sale Calculator

This policy explains what information this website collects, how it is used, who it is shared with, and the choices you have. It is posted to comply with the California Online Privacy Protection Act (CalOPPA) and applies to installmentsalecalculator.com and thewaterfallstrategy.com.

Who runs this site

This site is operated by Hans Goldstein ("we," "us"), who publishes tax education as Hans Goldstein: Tax & Exit Planning, 1401 21st St, Ste R, Sacramento, CA 95811. Insurance products are offered only through Goldstein & Co. LLC dba Goldstein Insurance Services. Contact: hans@hansgoldstein.com, 213-414-2808.

What we collect

Information you give us in a form, email, call or text. Depending on the form: your name, email address, phone number, when you plan to sell, your profession and firm, and anything you write in a message.
Calculator numbers, only if you choose to send them. The calculators run entirely in your browser, and the numbers you type stay there unless you do one of the following. If you submit the contact form with the "include my calculator numbers" box checked, we receive your calculator inputs (such as sale price, basis, depreciation, loan payoff, state, filing status, income, term and rates) and summary results, together with your contact information.
Guided estimate on installmentsalecalculator.com, once you enter your email. When you type a complete, valid email address into the report form of the 60-second estimate, we save that email, the first name you entered (if any), the answers you have given so far (the same kind of inputs listed above, plus what is being sold and who the estimate is for, such as an owner, a CPA or a broker), the step you reached, the page address, and the consent statement shown to you, even if you do not press the button. If you then ask for the report, we email it to you and record the same information with the results. Nothing is sent before you enter an email.
Consent records. With a form submission we keep the consent language you saw, the version of that language, the time and the page, as proof of what you agreed to. A phone number is used for calls or texts only if you enter it in the optional phone field shown after you sign up, next to the statement agreeing to calls and texts about your request. We save that number when you leave the field or press the button.
Sign-up forms save what you type before you submit. On every sign-up form on this site, once you type a complete, valid email address we save that email, the first name you entered (if any) and the page address, even if you do not press the button, so nothing is lost if you step away. A short notice under the field says so. We do not add an email you have not submitted to any call, text or email sequence. Ask us to delete it at any time (see Your choices below).
Preferences in your browser. The calculator site stores your light or dark theme choice and who the estimate is for in your browser's local storage so it can skip that question next time. It stays on your device; clear your browser's site data to remove it.
Server logs. Our web host automatically records standard request data, such as IP address, browser type, the page requested and the date and time.
Cookieless, aggregate site analytics. We use Cloudflare Web Analytics to count page views and measure page performance. It does not set cookies, does not use local storage, and does not fingerprint or track you across websites; it reports only aggregate figures such as page views, referring sites, country and page load times.
No advertising cookies. This site does not use Google Analytics, advertising pixels or tracking cookies.

How we use it

To respond to you and send the information, report or materials you asked for, and occasional educational emails you agreed to when you entered your email. You can unsubscribe at any time.
To follow up with you about your request by email, phone or text, as you agreed when you submitted the form. Hans Goldstein, a licensed insurance agent (CA Insurance License #4273294), may discuss insurance products, including annuities.
To keep the site working and secure.

Who we share it with

We do not sell or rent your information, and we do not share it for cross-context behavioral advertising. We share it only with:

Service providers that operate our systems for us: form processing, email, phone and text messaging, CRM and scheduling, website hosting and aggregate site analytics. They may use it only to provide their services to us.
Your own advisers, such as your CPA or attorney, when you ask us to.
An insurance company, only if you choose to apply for a policy. The insurer will give you its own privacy notice.
Authorities, when the law requires it.

Text messages (SMS)

Program. Hans Goldstein: Tax & Exit Planning text messages about the results, book or session you requested.

How you opt in. We text you only if you add your mobile number in an optional "Text me" step and tap the button, or if you text us first. It is never required to use a calculator or receive anything from us.

Cost. Message and data rates may apply.

Opting out and help. Reply STOP at any time to stop; we will send one confirmation and nothing more. Reply HELP for help, or email hans@hansgoldstein.com. Carriers are not liable for delayed or undelivered messages. Consent to texts is not a condition of any purchase.

No sharing. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Do Not Track and other sites

Some browsers send a "Do Not Track" signal. Because this site does not track you across other websites, it operates the same way whether or not the signal is sent. Third parties do not collect personal information about your activity on this site over time or across other websites. Links to other sites are governed by those sites' own policies.

Your choices: access, correction, deletion and opt-out

To see, correct or delete the information we hold about you, email hans@hansgoldstein.com. We will respond within 30 days. We may need to keep some records where the law requires it, for example records of insurance transactions.
To stop emails, reply "unsubscribe" to any email, use the unsubscribe option in your email program, or email us. This also stops any follow-up based on a partially completed estimate.
To stop texts, reply STOP to any text.
To stop calls, tell us on the call or email us.

How long we keep it and how we protect it

We keep contact information for as long as needed to respond to you and follow up, and longer only where the law requires it. We use reasonable safeguards, but no system is perfectly secure.

Children

This site is not directed to children under 16, and we do not knowingly collect their information.

Changes to this policy

If we change this policy, we will post the new version on this page and update the effective date above. If a change materially affects how we use information we already hold, we will also notify you by email where we have your address.

Contact

Questions about this policy: hans@hansgoldstein.com, 213-414-2808, or by mail to 1401 21st St, Ste R, Sacramento, CA 95811.