HEIRLOOM

Heirloom helps you plan two savings pots for a child: an education fund and a first stock account. It solves the monthly contribution for your targets, stress-tests the plan against 500 randomized market paths and every real market since 1928, and checks in with you once a year on your child's birthday.

Questions, problems, or ideas? Email jw41784@gmail.com and you will hear back within a few days.

Heirloom provides planning information, not individualized financial or tax advice. Returns are assumptions, not guarantees.

Effective July 8, 2026.

Heirloom collects no data. In detail:

• Everything you enter (children, birthdates, balances, scenarios) is stored only on your device.
• The app makes no network connections. Nothing is transmitted to us or to anyone else.
• There are no accounts, no analytics, no advertising, and no third-party services.
• Face ID, when you turn it on, is handled entirely by iOS. Heirloom never sees biometric data.
• Data export creates a file that you control and share as you choose.
• Deleting the app deletes your data.

Because we hold no data about you, there is nothing for us to sell, share, lose, or delete on your behalf. If this policy ever changes, the change will be published here before it takes effect.

Contact: jw41784@gmail.com