Wealth as of today
Cash	25,066	Credit card	30,628
Trading account	30,000	Loan	423,286
Retire. & pension	30,000	Other debts	0
Other assets	512,890	Total debts	453,914
Total assets	597,956	Net worth	144,042

Wealth as of today

Cash

25,066

Credit card

30,628

Trading account

30,000

Loan

423,286

Retire. & pension

30,000

Other debts

Other assets

512,890

Total debts

453,914

Total assets

597,956

Net worth

144,042

Budget of the next months
Salary	18,000	Contribution	3,180
Passive income = Property income + Pension & benefit (financial asset withdrawn is not included)	1,500	Total income	22,680
Essential outflow	-18,908	Cash savings	-108
Discretionary	-700	Total savings	3,072

Budget of the next months thumb up

Salary

18,000

Contribution

3,180

Passive income

= Property income + Pension & benefit
(financial asset withdrawn is not included)

1,500

Total income

22,680

Essential outflow

-18,908

Cash savings

-108

Discretionary

-700

Total savings

3,072

	Allocation	Yield	Annual return	Return weight
Cash	29%	2.4%	600	13%
Stable	10%	3.0%	255	5%
Bond	25%	5.0%	1,050	23%
Stock	29%	8.7%	2,143	46%
Riskiest	7%	10.0%	600	13%
Total Portfolio	$ 85,066	5.5%	$ 4,648	100%
Passive Income = Property income + Pension & benefit			$ 3,500
Investment & Passive Inc.			$ 8,148

Allocation

Yield

Annual return

Return weight

Cash

29%

2.4%

600

13%

Stable

10%

3.0%

255

Bond

25%

5.0%

1,050

23%

Stock

29%

8.7%

2,143

46%

Riskiest

10.0%

600

13%

Total Portfolio

$ 85,066

5.5%

$ 4,648

100%

Passive Income

= Property income + Pension & benefit

$ 3,500

Investment & Passive Inc.

$ 8,148

	Allocation	Yield	Annual return	Return weight
Cash	5%	2.4%	479	2%
Stable	9%	3.0%	1,082	4%
Bond	28%	5.0%	5,409	21%
Stock	47%	8.6%	15,590	60%
Riskiest	9%	9.3%	3,351	13%
Total Portfolio	$ 380,596	6.8%	$ 25,911	100%
Passive Income = Property income + Pension & benefit - Estimated tax on pension, 401k, IRA, HSA withdrawal			$ 0
Investment & Passive Inc.			$ 25,911

Allocation

Yield

Annual return

Return weight

Cash

2.4%

479

Stable

3.0%

1,082

Bond

28%

5.0%

5,409

21%

Stock

47%

8.6%

15,590

60%

Riskiest

9.3%

3,351

13%

Total Portfolio

$ 380,596

6.8%

$ 25,911

100%

Passive Income

= Property income + Pension & benefit - Estimated tax on pension, 401k, IRA, HSA withdrawal

$ 0

Investment & Passive Inc.

$ 25,911

Account name

Balance

Stable weight

Bond weight

Stock weight

Riskiest weight

Fund expense

pid

Account name

Balance

Type

Stable weight

Bond weight

Stock weight

Riskiest weight

Fund expense

pid

Policy name

Type

Cash value

Term (years)

Periodic premium

Frequency

Policy expired

Growth

Item

Value

Cost

Purchase date

Lifespan (Yr)

Account name

Balance

Type

Loan Amount

Term (yr)

Loan rate

Effective Date

Mthly Payment

Mthly Interest

Interest Payable

pid

Item

Amount

Frequency

Start date

End date

Priority

pid

High

Manage finances in 3 steps

Step 1 - Check your net worth

	You can input all types of assets and debts, and see those in a detailed list.
	A handy button next to each balance allows for detailed reviewing and editing.
	Automated calculation of loan balance and interest.
	View the emergency fund available without calculating again.
	Data is stored every month so you can track the historical wealth and how much it grew.

Step-by-step tour

Step 2 - Plan a one-page budget

	One-of-a-kind integrated template for lifetime budget, easy to modify with new input in seconds.
	Automated carry-forward, no need to copy or create one every month.
	Comprehensive cash income, contribution (401k), and expense items.
	A handy button next to each number for detailed reviewing and editing.
	See your monthly cash flow and savings.
	Fill actuals if you want to monitor the actual-to-budget usage %.
	Data is stored every month so you can track the historical budget.

Step-by-step budget

Step 3 - Auto forecast & analysis

	Build milestones to achieve the financial goal.
	Summary of the assets, debts, and budget.
	Project wealth and budget, including the detailed composition of assets and debt.
	Customize input for various financial, economic, and budget assumptions.
	Set asset allocation and easily know the impact.
	Analyze the debts and prioritize those to eliminate.
	Review the budget and know where you want to improve.
	Forecast your financials for safe retirement.
	More valuable reports are ready for your exploration.

Step-by-step forecast

____

Your financial outlook

hide

Net worth tracking

As of today, your net worth stands at $144,042, with assets consisting of $25,066 in cash, $30,000 in trading accounts, $30,000 in retirement accounts, and $500,000 in real estate, In terms of liabilities, you currently have $453,914 in credit card and loan balance with an average interest rate of 7.12%. Your emergency fund is established with $31,066 set aside, which is approximately 4 months of your living expenses. It may not be enough to provide a safety net for unexpected situations.

Budget tracking

Looking at your this month's budget and , your total cash inflow is $6,500 per month, including $6,000 from salary, $500 from rental income on your property, and $0 per month from pension & benefit. In terms of outflows, you are currently allocating $5,803 towards credit card interest, loan repayments, and essential expenses. The discretionary expenses come to $233. After all outflow, you have a net cash flow of approximately $464 each month, which is a positive position to be in. This provides you with an opportunity to either accelerate debt repayment, increase your savings, or explore investment options to further grow your wealth.

Asset allocation

Currently, your strategic asset allocation of your trading account portfolio is allocated as follows: 20% in stable fixed income, 20% in bonds, 40% in stocks, and 20% in riskiest assets. Your overall retirement account (401k, IRA, HSA, 529 plan) portfolio is allocated as follows: 8% in stable fixed income, 50% in bonds, 42% in stocks, and 0% in riskiest assets. Your expected investment yield is 7.2% for trading accounts and 6.3% for retirement account. The cash position offers liquidity and safety, but it could limit overall returns, while the bond exposure provides stability with moderate yield. Equities, while more volatile, should drive long-term growth. However, depending on your preferences, you may want to reassess the equity exposure, especially if you are concerned about short-term volatility. If your goal is to maximize long-term returns, you could explore shifting more into equities or alternative investments.

Projected net worth

After incorporating your current savings, investments, and outstanding debts, and your income, expense, growth rate, and inflation assumptions, we've projected your net worth at the time of retirement you set as 12/31/2047. At retirement age 49, we estimate your total assets could grow to $2,610,425, with a projected breakdown of $13,100 in cash, $709,718 in trading account, $909,942 in retirement account, $974,714 in real estate, and $2,949 in other assets. Your outstanding debts, primarily your mortgage and any other loans, will decrease significantly, leaving you with an estimated balance of $120,443 in liabilities. Your projected net worth is $2,489,982 at retirement. This is contingent on the growth rates we've assumed for your investments and potential changes in your financial situation over time. You should regularly revisit this projection to ensure it stays aligned with your goals. If you want to accelerate debt repayment or adjust your asset allocation to increase growth potential, you can futher try our tools to optimize your plan for a comfortable retirement.

On track for retirement

You target to retire at the desired age of 49. Based on our projections, with your income, expenses, and asset allocation planning, you're on track to have enough savings after retirement. However, when considering your withdrawals in retirement, we have also factored in the sustainability of your savings at an older age. You may need to adjust your spending or de-risk your investment portfolio in the years leading up to retirement. This will ensure that you don't outlive your savings, particularly if inflation or unexpected expenses arise or the financial market has an unexpected downturn in the years right before your retirement.

Privacy Policy

Last updated: March 21, 2023

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Business, for the purpose of CCPA/CPRA, refers to the Company as the legal entity that collects Consumers' personal information and determines the purposes and means of the processing of Consumers' personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers' personal information, that does business in the State of California.
CCPA and/or CPRA refers to California Consumer Privacy Act (the "CCPA") as amended by the California Privacy Rights Act of 2020 (the "CPRA").
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to OPESWAY INC, registered in Washington State.
Consumer, for the purpose of the CCPA/CPRA, means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.
Country refers to: Washington State, United States.
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
Personal Data is any information that relates to an identified or identifiable individual.

For the purposes of the CCPA/CPRA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Opesway, accessible from https://www.opesway.com
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

Email address
Usage Data

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies. More details are specified in our Cookies Policy.
Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, and Your experience.

We may share Your personal information in the following situations:

With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
With Payment processors
For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With third party vendors to whom You or Your agents authorize Us to disclose Your personal information in connection with products or services We provide to You
With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to and maintained on computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Detailed Information on the Processing of Your Personal Data

The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.

Analytics

We may use third-party Service providers to monitor and analyze the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Advertising

We may use Service Providers to show advertisements to You to help support and maintain Our Service.

Google AdSense & DoubleClick Cookie

Google, as a third party vendor, uses cookies to serve ads on our Service. Google's use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other websites on the Internet.

You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/

Payments

We may provide paid products and/or services within the Service. In that case, we may use third-party services for payment processing (e.g. payment processors).

We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

PayPal

Their Privacy Policy can be viewed at https://www.paypal.com/webapps/mpp/ua/privacy-full

CCPA/CPRA Privacy Notice

This privacy notice section for California residents supplements the information contained in Our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.

Categories of Personal Information Collected

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of personal information which we may collect or may have been collected from California residents within the last twelve (12) months.

Please note that the categories and examples provided in the list below are those defined in the CCPA/CPRA. This does not mean that all examples of that category of personal information were in fact collected by Us, but reflects our good faith belief to the best of Our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of personal information would only be collected if You provided such personal information directly to Us.

Category A: Identifiers.

Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number, or other similar identifiers.

Collected: email address, online identifier of your Google account provided by Google.
Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

Collected: the financial information you decide to input for using the Service.
Category C: Protected classification characteristics under California or federal law.

Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Collected: No.
Category D: Commercial information.

Examples: Records and history of products or services purchased from the Company.

Collected: Yes.
Category E: Biometric information.

Examples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

Collected: No.
Category F: Internet or other similar network activity.

Examples: Interaction with our Service or advertisement.

Collected: Yes.
Category G: Geolocation data.

Examples: Approximate physical location.

Collected: No.
Category H: Sensory data.

Examples: Audio, electronic, visual, thermal, olfactory, or similar information.

Collected: No.
Category I: Professional or employment-related information.

Examples: Current or past job history or performance evaluations.

Collected: No.
Category J: Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).

Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

Collected: No.
Category K: Inferences drawn from other personal information.

Examples: Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Collected: No.
Category L: Sensitive personal information.

Examples: Account login and password information, geolocation data.

Collected: Account login and password information.

Under CCPA/CPRA, personal information does not include:

Publicly available information from government records
Deidentified or aggregated consumer information
Information excluded from the CCPA/CPRA's scope, such as:
- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data
- Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994

Sources of Personal Information

We obtain the categories of personal information listed above from the following categories of sources:

Directly from You. For example, from the forms You complete on our Service, preferences You express or provide through our Service, or from Your purchases on our Service.
Indirectly from You. For example, from observing Your activity on our Service.
Automatically from You. For example, through cookies We or our Service Providers set on Your Device as You navigate through our Service.
From Service Providers. For example, third-party vendors to monitor and analyze the use of our Service, third-party vendors to provide advertising on our Service, third-party vendors for payment processing, or other third-party vendors that We use to provide the Service to You.

Use, Disclosure, and Share of Personal Information

We may use, disclose, or share personal information We collect for "business purposes" or "commercial purposes" (as defined under the CCPA/CPRA), which may include the following examples:

To operate our Service and provide You with Our Service.
To provide You with support and to respond to Your inquiries, including to investigate and address Your concerns and monitor and improve our Service.
To fulfill or meet the reason You provided the information. For example, if You share Your contact information to ask a question about our Service, We will use that personal information to respond to Your inquiry. If You provide Your personal information to purchase a product or service, We will use that information to process Your payment and facilitate delivery.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to You when collecting Your personal information or as otherwise set forth in the CCPA/CPRA.
For internal administrative and auditing purposes.
To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity, including, when necessary, to prosecute those responsible for such activities.
Other one-time uses due to emergency.

Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the "Use of Your Personal Data" section.

When We disclose personal information for a business purpose or a commercial purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

If We decide to collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes We will update this Privacy Policy.

Sale of Personal Information

As defined in the CCPA/CPRA, "sell" and "sale" mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer's personal information by the Business to a third party for valuable consideration. This means that We may have received some kind of benefit in return for sharing personal information, but not necessarily a monetary benefit.

We do not sell personal information as the term sell is commonly understood. We do not allow Service Providers, for activities such as advertising and marketing, to use Your personal information We collect.

Sale of Personal Information of Minors Under 16 Years of Age

We do not knowingly collect personal information from minors under the age of 16 through our Service, although certain third party websites that we link to may do so. These third-party websites have their own terms of use and privacy policies and We encourage parents and legal guardians to monitor their children's Internet usage and instruct their children to never provide information on other websites without their permission.

We do not sell the personal information of Consumers We actually know are less than 16 years of age, unless We receive affirmative authorization (the "right to opt-in") from either the Consumer who is between 13 and 16 years of age, or the parent or guardian of a Consumer less than 13 years of age.

If You have reason to believe that a child under the age of 13 (or 16) has provided Us with personal information, please contact Us with sufficient detail to enable Us to delete that information.

Your Rights under the CCPA/CPRA

The CCPA/CPRA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights:

The right to notice. You have the right to be notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.
The right to know/access. Under CCPA/CPRA, You have the right to request that We disclose information to You about Our collection, use, sale, disclosure for business purposes and share of personal information. Once We receive and confirm Your request, We will disclose to You:
- The categories of personal information We collected about You
- The categories of sources for the personal information We collected about You
- Our business or commercial purposes for collecting or selling that personal information
- The categories of third parties with whom We share that personal information
- The specific pieces of personal information We collected about You
- If we sold Your personal information or disclosed Your personal information for a business purpose, We will disclose to You:
  - The categories of personal information categories sold
  - The categories of personal information categories disclosed
The right to say no to the sale or sharing of Personal Data (opt-out). You have the right to direct Us to not sell Your personal information. To submit an opt-out request, please see the "Do Not Sell My Personal Information" section or contact Us.
The right to correct Personal Data. You have the right to correct or rectify any any inaccurate personal information about You that We collected. Once We receive and confirm Your request, We will use commercially reasonable efforts to correct (and direct our Service Providers to correct) Your personal information, unless an exception applies.
The right to limit use and disclosure of sensitive Personal Data. You have the right to request to limit the use or disclosure of certain sensitive personal information We collected about You, unless an exception applies. To submit, please see the "Limit the Use or Disclosure of My Sensitive Personal Information" section or contact Us.
The right to delete Personal Data. You have the right to request the deletion of Your Personal Data under certain circumstances, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to:
- Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
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- Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which You provided it.
The right not to be discriminated against. You have the right not to be discriminated against for exercising any of Your consumer's rights, including by:
- Denying goods or services to You
- Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties
- Providing a different level or quality of goods or services to You
- Suggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or services

Exercising Your CCPA/CPRA Data Protection Rights

Please see the "Do Not Sell My Personal Information" section and "Limit the Use or Disclosure of My Sensitive Personal Information" section for more information on how to opt out and limit the use of sensitive information collected.

Additionally, in order to exercise any of Your rights under the CCPA/CPRA, and if You are a California resident, You can contact Us:

By email: support@opesway.com

Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.

Your request to Us must:

Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative
Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it

We cannot respond to Your request or provide You with the required information if We cannot:

Verify Your identity or authority to make the request
And confirm that the personal information relates to You

We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.

Any disclosures We provide will only cover the 12-month period preceding the verifiable request's receipt.

For data portability requests, We will select a format to provide Your personal information that is readily usable and should allow You to transmit the information from one entity to another entity without hindrance.

Do Not Sell My Personal Information

Additionally, You can opt out of receiving ads that are personalized as served by our Service Providers by following our instructions presented on the Service:

The NAI's opt-out platform: http://www.networkadvertising.org/choices/
The EDAA's opt-out platform http://www.youronlinechoices.com/
The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=EN

The opt out will place a cookie on Your computer that is unique to the browser You use to opt out. If you change browsers or delete the cookies saved by your browser, You will need to opt out again.

Mobile Devices

Your mobile device may give You the ability to opt out of the use of information about the apps You use in order to serve You ads that are targeted to Your interests:

"Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android devices
"Limit Ad Tracking" on iOS devices

You can also stop the collection of location information from Your mobile device by changing the preferences on Your mobile device.

Limit the Use or Disclosure of My Sensitive Personal Information

If You are a California resident, You have the right to limit the use and disclosure of Your sensitive personal information to that use which is necessary to perform the services or provide the goods reasonably expected by an average Consumer who requests such services or goods.

We collect, use and disclose sensitive personal information in ways that are necessary to provide the Service. For more information on how We use Your personal information, please see the "Use of Your Personal Data" section or contact us.

"Do Not Track" Policy as Required by California Online Privacy Protection Act (CalOPPA)

Our Service does not respond to Do Not Track signals.

However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser.

Your California Privacy Rights (California's Shine the Light law)

Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties' direct marketing purposes.

If you'd like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below.

California Privacy Rights for Minor Users (California Business and Professions Code Section 22581)

California Business and Professions Code Section 22581 allows California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted.

To request removal of such data, and if You are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account.

Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

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Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

By email: support@opesway.com

Current emergency fund available
Sustainable months without any cash income
Additional emergency fund recommended
Emergency fund + marketable securities
Emergency fund + credit line
Emergency fund + credit line + potential home equity
Credit line usage

	Current	Ideal
Credit card accounts
Credit limit
Credit card balance
Credit line usage
Have installment loan?

Category \ Priority	ALL	High	Med	Low
Loan payments
Credit card repay
Rent & housing
Utilities & phone
Vehicle, fuel, fare
Essential shopping
Restaurant
Body & health care
Other essential
Total Essential
Other shopping
Recreation & travel
Other discretionary
Total Discretionary
Total Outflow

	Amount	Cash Back %	Cash Back Possible
Essential shopping
Restaurant
Recreation & travel
Vehicle, fuel, fare
Other shopping
Utilities & phone
Body & health care
Total

Risk	Potential Loss	Insured	Risk accepted	Risk managed
Real estate
Property & equipment
Other assets
Identity theft	intangible

Loan payment
Essential living expense
Total essential cash outflow

Desired one big spending
Suggested considering time	This is the time it takes to make your net worth grow $ 0. Deferring immdediate pleasures of spending gives your emotion time to fall. Meanwhile you forge a future secured with appreciating wealth and peace of mind.

(Click an account name)	Type
Current balance	Cash out
Months remained	New term	months
Old rate	New rate
	Refinance fee
Old payment	New payment
	Pay	less

Of the selected debts, if no prepayment,
Instead, if you pay extra every month with one of the these 3 methods:
Method Avalanche: pay off debts with the highest interest rate first. Snowball: pay off debts with the smallest balance first. Shortest: pay off debts with the shortest maturity first.	Avalanche	Snowball	Shortest
Years to pay off
Total amount paid
Interest saved
Feed into forecast By selecting this, the wealth and budget forecast will consider the prepayment of the selected debts, based on your input prepayment amount, and using the method you select.

	Financial assets	Total debts	Net worth
5 years later
10 years later
30 years later

I am
Tax filing status:
Current retirement fund	(pre-taxed)
Pretax salary	/ year
Self-contribution	of pretax salary
Employer's contribution	(max matched)
After max match, contribute	more
I want to contribute for	years from now
Then, withdraw for	years

Cash Flows Benefit example: salary increased (compared with current salary), business income generated from this project. Cost example: tuition, training cost, initial and ongoing operating expense of business, the lost income in current job, if any, due to the "time" (not "money") spent on achieving this project (for example, 4-year lost time due to full-time enrollment in college). Note: Do not include cash flow from financing activitiy, such as the fund received (from the bank, sponsor, or your own fund), and the payment for the loan or interest. The financing activitiy will be considered implicitly when you fill in "Fund Source" section so you should ignore these cash flows here.	Benefit	Cost
Up-front
1st-year
2nd-year
3rd-year
4th-year
5th-year
Further every year
, with growth rate
, until the end of	th-year.
Present value
Fund Source	Amount	Interest rate
Bank loan
Sponsor		The yield expected from your sponsor, 7 ~ 10% is normally considered fair assumption if your sponsor does not ask for fixed percentage of return.
Own fund		The yield to expect if you use your money alternatively, such as investing in stock market or real estate. 7 ~ 10% is normally considered fair assumption.

Summary
Total cost
Cost of capital Weighted average interest rate of fund source
Net present value (NPV) =present value of benefit - present value of cost. NPV > 0 means this project is financially valuable to pursue. The higher the number, the more monetary value you can earn through this project. However, risks (the uncertainty of cost and benefit) should also be considered cautiously.
Profitability index (PI) PI > 1 means this project is financially valuable to pursue. The higher the better. However, risks (the uncertainty of cost and benefit) should be considered cautiously.
Breakeven at the	th year

Buy:	Purchase price
	Purchase for at least	years before resell
Rent:	Monthly rent

Current Mortgage		New Loan
Original date
Original amount
Loan term (years)
Mortgage rate
Property value
Cash out
Refinance fee

Account Type	Balance	Yield %	Current Fee %	30-yr Fee to Pay	Ideal Max Fee %	30-yr Fee to Save

	Electric	Gasoline
Purchase price
Electric / Fuel price	/kWh	/gallon

Task	Weekday	Saturday	Sunday	1-week total
Sleep
Personal care
Cooking & eating
Work & commute
School & learning
Family activity
Friend & socializing
Shopping
Chore & errand
Exercise
Spiritual
Free hours left

Car price
Trade-in car value		Down payment
Loan Term (months)		Interest rate

Current Loan		New Loan
Original date
Original amount
Loan term (months)
Interest rate
Refinance fee

Sensitivity test	if next month	if in
Stock return	shocks down	shocks down
Inflation rate	adds more	adds more

	Current	Phase I	Phase II	Phase III
Start Date
Trading
Stable
Bond
Equity
Riskiest
Total weight
Total yield
Dividend
401k, IRA, HSA
Stable
Bond
Equity
Riskiest
Total weight
Total yield
Dividend
Trading, 401k, IRA, HSA
Total yield
Dividend

	Total	Dividen
Stable	2% ~ 4%	2% ~ 4%
Bond	4% ~ 7%	2% ~ 6%
Stock	6% ~ 10%	1% ~ 3%
Riskiest	8% ~ 12%	0% ~ 2%

	Trading Account		401k, IRA, HSA
(Annual)	Total	Dividend	Total	Dividend
Stable
Bond
Stock
Riskiest

On the retirement date:
Net worth
Financial assets:
Cash
Trading account
Pretax 401k, IRA, HSA
After-tax 401k, IRA, 529 plan
Pension value
Outstanding debts

1st-year retirement situation:
	/ year	/ month
Debt & interest payment
Essential expenses
Discretionary expenses
Total cash outflow
Financial asset withdrawn
Passive income = Property income + Pension & benefit - Estimated tax on pension, 401k, IRA, HSA withdrawal
Withdrawal percentage
Yield on financial assets


for	Needs	Wants	Paying debts	Savings
Budget $
Budget %
50/30/20 Rule	≤50%	≤30%	≥20% combined

Linked Accounts

Net Worth Goal

Forecast assumptions

Re-assign the goal (drag & drop)

Long Term Goals

Milestones

Foundations

Unassigned

Goal

To self-insure for -month zero income:

Essential cash outflow in the next 6 months

Solvency & Liquidity

Smart way to build excellent credit score

Set up score target

More tips for maintaining good score:

Tips for boosting score fast:

Set up wealth target

Next 1 2 3 6 9 12 -month cash outflow

Future big outflow, over $100 $250 $500 $1000 $5000

Next 12-months expenses likely paid with credit cards

Insurance & warranty checklist

Insurance policy list

Insurance Reminder

1. Consider the monthly installment rather than lump-sum premium? Check the implied interest rates calculated below. If the rate is too high, avoid the installment if possible.

2. Consider to insure in higher-deductible policy (so the premium is much lower) if your emergency fund is significantly enough to cover the deductible if the accident happens.

3. Don't over-pay for coverage more than what you need, the insurance companies can earn all the excess of your premium net of their fixed operating expenses.

Loan list

Refinance benefit

(Click an account name)

List of outstanding debts

Debt-free strategy

Wealth forecast

Overview of asset allocation

Should I save in 401k, Roth, or trading account?

Portfolio management fee to save

Investment Reminder

1. Don't invest like all-in gambling, placing more than 10% of total investment on single company's stock (and its corporate bond).

2. Bonds are not always stable alternatives to stocks. Long-term bonds may have significant interest rate risk, and high yield bond may have significant credit risk.

3. You can quantify more risks of bonds, stocks, and multi-asset portfolio with Portfolio Risk Assessment tool.

4. Investments with "long-term guaranteed return", higher than the US 10-yr treasury rate + 3%, should be considered cautiously. They could be insustainable or fraudulent statement.

5. Option or futures trading is a zero-sum game. No abnormal returns can be expected in long run.

Project list

Cash Flows

Benefit

Cost

Fund Source

Amount

Interest rate

Summary

Cash Inflow and Outflow Over Time

Index

Electric

Gasoline

Review the hours spent a day

Financial Projection

Asset Weight by Investment Phase

Current

In

Target Retirement Date

Analysis

Annual growth

Annual inflation

Retirement Schedule

Post-Retirement

Extra Expense Per Month (+/-)

Cash coins and bills (banknotes) Cash in hand has no interest. You can keep Growth (%) blank or enter 0.

Bank accounts checking account, savings account, and money market account (MMA) 1. Use the name you can recognize, no need to input full account number. 2. Growth (%) is the annual interest rate of the account.

Money receivable refundable security deposit, foreseeable tax refund, and the money someone owes you Growth (%) is the annual interest rate (%) you are eligible to get

Credit card debts credit card balance owed to the banks If you always payoff the statement balance, you can input 0% interest rate (APR) and owe zero interest payable.

Other debts money you owe to someone else, such as bill due, extra tax payable, and other financial obligations. 1. Balance is the current amount owed, including accumulated interest. 2. Growth (%) is the annual interest rate (%) levied on the debt.

Planned

Actual

Salary direct deposit of paycheck (after all deductions), foreseeable tax refund, or extra tax payment (input a negative number if you owe tax)

Salary (actual)

Property income earnings from a rental property or business in which you are not actively involved, and the tax on those earnings

Property income (actual)

Pension & benefit pension defined benefit, social security benefit, alimony, annuitized benefit, expected lump-sum payment from insurance or annuity, and the tax on those benefits

Pension & benefit (actual)

Credit card interest Edit Credit card interest list is retrieved from "Credit card debts" of Wealth tab. If the debt feature changed, you can click this "Edit" button, and then the debt interest will be refreshed automatically after your editing.

Credit card interest (actual)

Next -month cash outflow

Future big outflow, over

Bank accounts checking account, savings account, and money market account (MMA) 1. Use the name you can recognize, no need to input full account number.

2. Growth (%) is the annual interest rate of the account.

Other debts money you owe to someone else, such as bill due, extra tax payable, and other financial obligations. 1. Balance is the current amount owed, including accumulated interest.

2. Growth (%) is the annual interest rate (%) levied on the debt.

Credit card interest Credit card interest list is retrieved from "Credit card debts" of Wealth tab. If the debt feature changed, you can click this "Edit" button, and then the debt interest will be refreshed automatically after your editing.

Loan payments Loan payment list is retrieved from "Loan balance" of Wealth tab. If the loan feature changed, you can click this "Edit" button, and then loan payments will be refreshed automatically after your editing.