Privacy Policy

Sapling FI, LLC

Last Updated: May 15, 2026

Sapling FI, LLC (“Sapling FI,” “we,” “us,” or “our”) operates SaplingFI.com and related websites, products, online tools, courses, digital content, accounts, and services that link to this Privacy Policy collectively, the “Services.”

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information. It also explains our practices for children under 13 and the choices available to parents, guardians, and users.

For questions about this Privacy Policy, contact us at:

Sapling FI, LLC
Email: admin@saplingfi.com

Children under 13 may use certain Sapling FI products only as allowed by us and, where required, with consent from a parent or legal guardian. In this Privacy Policy, “child” means a child under 13.

We do not knowingly collect, use, or disclose personal information from a child under 13 unless we have provided any required notice and obtained any required verifiable parental consent, or unless an exception applies under applicable law.

Parents and guardians may contact us at admin@saplingfi.com to review, correct, or delete their child’s personal information, revoke consent, or refuse further collection or use of their child’s personal information.

We collect information in the following ways.

We may collect:

• Name 
• Email address 
• Phone number 
• Account login information 
• Billing and payment-related information 
• Parent or guardian consent records 
• Communications with us, including support requests 
• Information about a child account that a parent or guardian creates, manages, or authorizes 
• Other information you choose to provide.

If payments are processed through a third-party payment processor, the processor may collect payment card or payment account information directly. We generally receive limited transaction information, such as payment status, transaction ID, subscription level, and billing contact details.

Depending on the product or feature, we may collect limited information from children, such as:

• First name, nickname, or username 
• Age, birth month/year, grade level, or age range 
• Parent or guardian email address 
• Account credentials 
• Learning, activity, or product progress 
• Answers, quiz responses, preferences, or saved work within the Services 
• Messages or content submitted through child-facing features, if any 
• Customer support information if a parent or child contacts us.

We ask children not to provide sensitive information such as home address, phone number, precise location, Social Security number, government ID numbers, bank account information, investment account information, payment card information, health information, or images, audio, or video containing the child’s face or voice unless we specifically request it and obtain any legally required parental consent.

When users access the Services, we and our service providers may automatically collect:

• IP address 
• Device type and browser type 
• Operating system 
• Pages or features viewed 
• Dates and times of use 
• Referring and exit pages 
• Cookie IDs or similar identifiers 
• Approximate location derived from IP address 
• Error logs, diagnostics, and security information.

For children under 13, we use persistent identifiers only as permitted by law, such as to support internal operations, maintain or analyze functionality, authenticate users, personalize product content, protect security, or fulfill a purpose for which we have obtained parental consent. We do not use children’s personal information for behaviorally targeted advertising.

We may use cookies, pixels, local storage, SDKs, and similar technologies to operate the Services, remember preferences, maintain sessions, secure accounts, understand how the Services are used, and improve performance.

Where required, we will request consent before using cookies or similar technologies for purposes that require consent. For children under 13, we do not use cookies or persistent identifiers to build behavioral profiles for targeted advertising.

We use personal information to:

• Provide, operate, and improve the Services 
• Create and manage accounts 
• Provide age-appropriate content and product features 
• Verify parent or guardian consent where required 
• Communicate with parents, guardians, and users 
• Respond to support requests 
• Process payments and subscriptions 
• Track progress, saved work, or product activity 
• Personalize the user experience within the Services 
• Maintain security, prevent fraud, and debug errors 
• Enforce our terms and policies 
• Comply with legal obligations 
• Protect the rights, safety, and property of Sapling FI, our users, and others.

We do not require a child to provide more personal information than is reasonably necessary to participate in the relevant activity.

Before collecting, using, or disclosing personal information from a child under 13 where parental consent is required, we will provide notice to the parent or guardian and request verifiable parental consent.

Our notice may explain:

• The information we want to collect from the child 
• How we use that information 
• Whether and how we disclose it 
• How the parent or guardian can provide consent 
• How the parent or guardian can review, delete, or refuse further collection or use of the child’s information 
• That we will delete the parent’s or child’s online contact information if consent is not provided within a reasonable time.

We may use legally recognized or reasonable consent methods, such as:

• Signed consent form returned by email or upload 
• Payment card or payment system verification 
• Phone or video verification 
• Government ID verification, with deletion of ID after verification 
• Knowledge-based verification where appropriate 
• Email-plus consent where permitted for internal-use-only collection 
• Other consent methods permitted by applicable law.

A parent or guardian may contact us at admin@saplingfi.com to:

• Review the categories or specific personal information we have collected from their child 
• Request correction or deletion of their child’s personal information 
• Revoke previously provided consent 
• Refuse further collection or use of their child’s personal information 
• Ask questions about our children’s privacy practices.

We may need to verify that the person making the request is the child’s parent or legal guardian before responding.

If a parent revokes consent or requests deletion, certain features may no longer be available to the child if the information is reasonably necessary to provide those features.

We do not knowingly allow children under 13 to make personal information publicly available through the Services unless we have obtained any required parental consent and provided appropriate notice.

If we offer interactive features, comments, community areas, uploads, or similar features, we may moderate, filter, remove, or restrict content to help prevent children from publicly sharing personal information.

We do not sell children’s personal information. We do not share children’s personal information for cross-context behavioral advertising or targeted advertising. We do not use children’s personal information to build profiles for advertising.

If we ever materially change these practices, we will update this Privacy Policy and obtain any legally required parental consent before applying the change to children’s personal information.

Sapling FI, LLC is the primary operator of the Services.

Operator contact:
Sapling FI, LLC

Email: admin@saplingfi.com

Third-party operators, vendors, or service providers that may collect or maintain children’s personal information through the Services include:

• Hosting and infrastructure 
• Product analytics and diagnostics 
• Parent communications and support 
• Login and account security 
• Parent/adult payments 
• Support communications 
• Parental consent verification 

If no third-party operators collect or maintain children’s personal information, replace this list with:

“Other than service providers acting on our behalf to operate and secure the Services, we do not permit third-party operators to collect or maintain children’s personal information through the Services.”

We may disclose personal information as follows.

We may disclose information to vendors and service providers that help us operate the Services, such as hosting providers, analytics providers, payment processors, email providers, security tools, customer support tools, and consent verification providers. These providers may use information only to provide services to us or as otherwise permitted by law.

For children’s personal information, we take reasonable steps to use service providers that can maintain the confidentiality, security, and integrity of the information.

We may disclose a child’s personal information to that child’s verified parent or legal guardian.

We may disclose information when we believe it is reasonably necessary to:

• Comply with law, legal process, or government requests 
• Enforce our terms and policies 
• Protect the rights, safety, and property of Sapling FI, users, children, parents, or others 
• Detect, prevent, or address fraud, security, or technical issues 
• Respond to an emergency or safety concern.

If Sapling FI is involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar transaction, personal information may be disclosed or transferred as part of that transaction, subject to this Privacy Policy and applicable law.

We may disclose information with the consent of the user, parent, or guardian, as applicable. Where required for children under 13, we will obtain separate verifiable parental consent before disclosing a child’s personal information to third parties unless the disclosure is integral to the Service or otherwise permitted by law.

We keep personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer period is required or permitted by law.

Suggested retention schedule — confirm before publishing:

• Child account information: kept while the child account is active; deleted or de-identified within [30–90 days] after account deletion, parent deletion request, or consent revocation, unless retention is legally required or necessary for safety/security. 
• Child product activity and progress: kept while the account is active; deleted or de-identified within [30–90 days] after account deletion or parent request. 
• Parent consent records: kept for as long as needed to document consent and comply with legal obligations, then deleted or de-identified. 
• Parent contact information collected only to request consent: deleted if consent is not provided within 30 days, unless a different reasonable period is stated in the direct notice. 
• Support communications: kept for [insert period, e.g., 2 years] unless deletion is requested and no legal exception applies. 
• Security logs and diagnostic data: kept for [insert period, e.g., 12 months], unless needed longer for security, fraud prevention, or legal reasons. 
• Payment and tax records for adult transactions: kept for [insert period, e.g., 7 years] or as required by law. 
• Backups: deleted, overwritten, or de-identified according to our backup cycle, generally within [insert period, e.g., 90 days] after deletion from active systems. 

We do not retain children’s personal information indefinitely. When information is no longer needed, we delete or de-identify it using reasonable measures.

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. These safeguards may include access controls, encryption, secure hosting, monitoring, employee or contractor access limits, vendor review, and security testing.

No online service can guarantee absolute security. Parents and users should use strong passwords, keep login information confidential, and contact us immediately at admin@saplingfi.com if they believe an account or child’s information may have been compromised.

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

• Request access to personal information 
• Request correction of inaccurate information 
• Request deletion of personal information 
• Request a copy of personal information 
• Opt out of sale, sharing, or targeted advertising 
• Limit certain uses of sensitive personal information 
• Appeal a privacy request decision 
• Withdraw consent where processing is based on consent.

To make a request, email admin@saplingfi.com. We may need to verify your identity before responding.

We do not discriminate against users for exercising privacy rights.

Some U.S. state privacy laws provide residents with additional rights. Where those laws apply to Sapling FI, we will honor those rights.

We do not sell personal information for money. We do not knowingly sell or share personal information of children under 16 for targeted advertising. If we ever engage in a practice that applicable law treats as a “sale” or “sharing” of personal information, we will provide required notices and choices.

California law gives covered consumers rights such as the right to know, delete, correct, opt out of sale or sharing, limit certain sensitive information use, and be free from discrimination for exercising those rights. California also requires opt-in authorization for sale of personal information of children under 16, with parent or guardian authorization for children under 13. 

We may send service-related emails to parents, guardians, and adult users, such as account messages, security notices, billing notices, product updates, consent requests, and policy updates.

Marketing emails, if any, may include an unsubscribe option. Even if you opt out of marketing emails, we may still send non-marketing messages related to your account, transactions, child privacy, safety, or legal notices.

We do not knowingly send marketing emails directly to children under 13 without any legally required parental consent.

Sapling FI’s Services may relate to financial education, financial independence, or similar topics. Children should not submit bank account numbers, investment account information, credit card numbers, Social Security numbers, income information, or other sensitive financial information through child-facing areas of the Services.

If any part of the Services asks adults for payment or billing information, that information may be processed by a third-party payment processor. Sapling FI does not intend to collect payment card numbers directly from children.

If the Services are offered through a school, teacher, homeschool group, youth organization, or similar organization, we may collect information provided by the organization, parent, guardian, or student to operate the Services.

Before using Sapling FI in a school or educational setting, the organization and Sapling FI should confirm what consent, notice, contract, FERPA, COPPA, and student privacy requirements apply.

The Services may contain links to third-party websites, tools, or resources. We are not responsible for the privacy practices of third parties. Parents and users should review the privacy policies of any third-party services they use.

We do not knowingly direct children under 13 to third-party services that collect personal information from children unless appropriate notice and consent requirements are satisfied or an exception applies.

Sapling FI is based in the United States. If you use the Services from outside the United States, your information may be transferred to, stored in, or processed in the United States, where privacy laws may differ from those in your location.

We may update this Privacy Policy from time to time. If we make material changes, we will update the “Last Updated” date and provide additional notice where required.

If we make a material change to how we collect, use, or disclose children’s personal information in a way that requires parental consent, we will provide notice and obtain any required consent before applying the change to children’s personal information.

For questions, requests, or concerns about this Privacy Policy or our children’s privacy practices, contact:

Sapling FI, LLC
Email: admin@saplingfi.com

Parents and guardians may use this contact information to review, correct, delete, or stop further collection or use of their child’s personal information.