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Cookie Policy

Effective date: 14th of November, 2025

Last Updated: May 27, 2026

Introduction

Welcome to the Cookie Policy for Zealth Planning, LLC ("Zealth," "we," "us," or "our"). This policy explains how we use cookies and similar tracking technologies on our website and mobile application (collectively, the "Services").

Zealth Planning, LLC is a state-registered investment adviser, registered with the California Department of Financial Protection and Innovation ("DFPI"). Zealth is not registered with the U.S. Securities and Exchange Commission ("SEC").

We are committed to protecting your privacy and complying with applicable U.S. laws, including the California Consumer Privacy Act (CCPA), the California Financial Information Privacy Act (CalFIPA), and applicable California privacy standards for registered investment advisers consistent with the privacy principles of Regulation S-P under the Gramm-Leach-Bliley Act. In this policy, we describe what cookies and trackers we use, why we use them (for functionality, performance, and essential operations only), and how you can manage your preferences.

Importantly: We do not use any third-party advertising trackers. We use selected third-party tools (PostHog, Sentry, Google Tag Manager, and Wistia) solely for internal analytics, error monitoring, tag management, and video delivery, as described in this policy.

Fiduciary Confidentiality Standard

Notwithstanding anything to the contrary in this Cookie Policy, Zealth Planning, LLC's use of cookies and similar tracking technologies is governed first and foremost by Zealth's fiduciary duties under applicable federal and state securities laws, including the California Financial Information Privacy Act ("CalFIPA"), California Corporations Code § 25234, and applicable California privacy standards for registered investment advisers consistent with the privacy principles of Regulation S-P under the Gramm-Leach-Bliley Act. This Cookie Policy applies only to the extent it is consistent with those fiduciary and regulatory obligations. In the event of any inconsistency, Zealth's fiduciary and regulatory obligations shall control.

What Are Cookies and Tracking Technologies?

Cookies are small text files that websites place on your computer or mobile device when you visit a site. They allow the site to recognize your browser or device and remember information about you, such as your login status or site preferences. Cookies can be "session" cookies (which expire when you close your browser) or "persistent" cookies (which remain on your device for a set period or until you delete them).

Tracking technologies similar to cookies are also used in our Services, especially in our mobile app. These include: web beacons (tiny graphics that monitor page views or email opens), local storage and session storage in your browser, and device identifiers on mobile devices (unique IDs that can identify your app or device). These tools help us recognize you and collect information when you use our Services. They do not give us access to your device or files.

Cookies and Trackers We Use and Why

We use cookies and similar trackers to make our website and app work smoothly, to remember your choices, and to improve our Services. Below are the types of cookies and tracking technologies we use, and their purposes:

  • Essential Cookies: These cookies are necessary for the essential operations of our Services. They enable core functions like security, network management, and accessibility. For example, essential cookies keep you logged into your account as you navigate between pages, enable faster page loading, and help us prevent fraudulent activity. Without these, the Services may not function properly. These cookies cannot be disabled without impairing the fundamental operation of the Service.

  • Functional Cookies: These cookies allow us to remember your preferences and enhance the functionality of our site and app. For instance, functional cookies might remember your username so you don't have to re-enter it, recall your preferred settings (such as language or display options), or enable other convenient features.

  • Performance/Analytics Cookies: These cookies help us understand how users interact with our Services so we can improve them. They collect information about usage, such as which pages or features are most popular, how often certain features are used, and whether users encounter errors. This data is processed by PostHog on Zealth's behalf for internal analysis only. PostHog does not use this data for advertising or share it with third parties. We also use Google Tag Manager (GTM) to manage and deploy tracking tags on our website; GTM itself does not collect personal data but may load scripts that do. We do not use Google Analytics or other general-purpose advertising analytics platforms.

  • Advertising/Targeting Cookies: We do not use any advertising or targeting cookies. Zealth's Services currently do not incorporate third-party advertising networks, marketing cookies, or social media trackers that profile you. If we ever introduce advertising or third-party tracking cookies in the future, we will update this policy and obtain any necessary consents at that time.

  • Third-Party Cookies: We use selected third-party tools — PostHog (usage analytics), Sentry (error monitoring), Google Tag Manager (tag management), and Wistia (video delivery) — solely for internal service improvement and content delivery. These tools may set cookies or use device identifiers. They do not receive data for advertising, marketing, or cross-context tracking purposes.

Cookies and Tracking in Our Mobile App

Our Zealth mobile application uses similar technologies to the same purposes described above. The app may store small pieces of data on your device to remember your in-app preferences or login session.

The Zealth mobile application does not use advertising identifiers or tracking technologies for marketing, advertising, or profiling purposes. Any device identifiers used are limited to security, authentication, and internal performance monitoring and are not shared with third parties for advertising or marketing.

Any tracking within the app is done solely to support core functionality (like remembering you are logged in or measuring app performance) and is handled by Zealth or our service providers acting on our behalf. Your mobile data is treated with the same care and under the same privacy principles as your web data.

Your Choices: Managing Cookies and Tracking

You have the right to control or limit how cookies and trackers are used when you interact with our Services.

  • Web Browser Settings: Most web browsers allow you to manage or disable cookies through the browser's privacy settings. You can typically set your browser to refuse all cookies, to accept only certain types, or to notify you when a cookie is being set:
    • Google Chrome: Settings - Privacy and Security - Cookies and other site data.
    • Mozilla Firefox: Options/Preferences - Privacy & Security - Cookies and Site Data.
    • Apple Safari (Desktop): Preferences - Privacy - Cookies and website data.
    • Microsoft Edge: Settings - Cookies and site permissions - Manage and delete cookies and site data.
  • Mobile Device Settings: On mobile devices, you can limit tracking through your device's privacy settings:
    • Apple iOS: Settings - Privacy & Security - Tracking. You can prevent apps from tracking you across apps and websites.
    • Android: Settings - Privacy - Ads - Opt out of Ads Personalization or delete/reset your Advertising ID.
  • Global Privacy Control and "Do Not Track": Some browsers allow you to send a "Do Not Track" (DNT) signal or use a Global Privacy Control (GPC) to indicate your preference not to be tracked. Because we do not use third-party advertising cookies, your browsing on our site is not being tracked for advertising purposes regardless of DNT. If industry standards around DNT/GPC emerge, we will adjust our practices accordingly.

Please note: If you choose to disable or block cookies (especially essential cookies), some features of our website or app may not function properly. You may not be able to stay logged in, certain secure areas might not be accessible, or some preferences might not be saved. We recommend keeping essential cookies enabled to ensure the Services work as intended.

California Consumer Privacy Act (CCPA) Notice

If you are a California resident, you have specific privacy rights regarding your personal information, including data collected through cookies and trackers. Under the CCPA (as amended by the CPRA), you have:

  • The right to know what categories of personal information we collect and how we use it.
  • The right to request deletion of personal information (subject to certain exceptions, including our legal and regulatory retention obligations).
  • The right to opt out of the sale or sharing of your personal information.

We do not sell or share your personal information, including information collected via cookies and tracking technologies, for monetary value or for cross-context behavioral advertising. This means the opt-out right is generally not applicable to our use of cookies, since we are not exchanging your data with third parties for advertising or similar purposes.

We also respect your right to non-discrimination under CCPA: we will not treat you differently (for example, deny you services or charge a different price) because you exercised any of your privacy rights.

Important: All California privacy rights described in this section apply only to the extent they are consistent with Zealth's fiduciary duties and confidentiality obligations under applicable securities laws. Certain information may be exempt from deletion or disclosure where retention is required to comply with legal, regulatory, or professional obligations applicable to investment advisers.

For more details on our data practices and a full explanation of your rights under California law, please see our full Privacy Policy at zealth.io. California residents may also contact us as described below.

Data Retention and Cookies

Any data collected through cookies is subject to Zealth's broader data retention obligations as described in our Privacy Policy. In particular:

  • Session cookies are deleted when you close your browser.
  • Persistent cookies are retained for the period indicated in the cookie settings or until you delete them.
  • Data derived from cookies (such as usage logs or analytics) may be retained in aggregate or de-identified form for service improvement purposes, consistent with our Privacy Policy and applicable securities laws.
  • We will not retain cookie-derived data beyond the period necessary for the operational purposes for which it was collected, unless required by law.

Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in our technology or business practices, or to comply with new legal requirements. If we make material changes, we will notify users by posting the updated policy on our website (and in our app, if appropriate) with a new "Last Updated" date. Your continued use of our Services after any update constitutes your acceptance of the revised Cookie Policy.

Contact Us

If you have any questions about this Cookie Policy or how Zealth uses cookies and similar technologies, or if you wish to exercise any privacy rights, please contact us:

Email: support@zealth.io Website: zealth.io Chief Compliance Officer: Gabriel Shahin Phone: 855-269-3258

We will be happy to assist you and address any concerns you may have regarding your privacy and our use of cookies. This Cookie Policy is incorporated into and forms part of Zealth's Terms and Conditions and Privacy Policy. In the event of any inconsistency, Zealth's fiduciary and regulatory obligations and the Terms and Conditions shall govern.