Legal foundations
- Added
Affiliate Disclosure at
/affiliate-disclosure— FTC-compliant plain-language disclosure of how we make money, what we don’t do (paid placement, sponsored rankings), and how to spot affiliate links on the site. - Added
Privacy Policy at
/privacy— accurate description of what we collect (almost nothing), where tool data lives (your browser’s localStorage), and what happens when you click an affiliate link. - Added
Terms of Use at
/terms— the rules of the road, plus explicit not-legal-advice / not-financial-advice language for the tools that touch regulated topics (visa tracker, FIRE calculator, cost-of-living). - Changed
Footer Legal column now links to real routes (Affiliate Disclosure first — it’s the most load-bearing for the directory model). Removed the placeholder “Cookies” entry; we don’t set any.