Effective date: July 19, 2026
Brian P. Kelley, MD, operates The Income Variable (“The Income Variable,” “we,” “us,” or “our”). This Privacy Policy explains how information is collected, used, disclosed, and protected when you visit theincomevariable.com or related pages operated by us (the “Site”), join an email list, or use a companion calculator, map, or other interactive tool.
By using the Site, you acknowledge the practices described in this Privacy Policy. If you do not agree with these practices, please do not submit personal information through the Site.
We may collect information that you choose to provide, including:
Please do not submit medical records, protected health information, patient information, or other sensitive clinical information through this Site. The Site is not a patient portal and is not intended to receive information for diagnosis, treatment, or clinical communication.
When you visit the Site, Webflow and other infrastructure or security providers may automatically receive technical information such as:
This information is generally used to deliver the Site, prevent abuse, troubleshoot problems, and understand aggregate usage.
The Site may offer calculators, maps, questionnaires, and other interactive tools. Unless a tool clearly states otherwise, we do not intentionally associate the values entered into these tools with your identity. Some tool interactions or values may nevertheless be processed by your browser, included in a page request, or appear in technical logs maintained by our hosting and security providers.
Do not enter account numbers, Social Security numbers, medical information, or other sensitive personal information into a companion tool.
We may use information to:
We do not use information submitted through this Site to provide individualized medical, financial, investment, tax, legal, or insurance advice.
Email-list and waitlist registrations are processed through EmailOctopus. If you subscribe, EmailOctopus may process your email address, subscription status, consent information, and engagement information on our behalf.
You may unsubscribe from marketing emails at any time by using the unsubscribe link in an email. We may still send a limited nonmarketing message when reasonably necessary to respond to a request or administer a transaction you initiated.
Webflow, EmailOctopus, Google reCAPTCHA, Cloudflare, and other service providers may use cookies, local storage, pixels, scripts, or similar technologies that are necessary to provide forms, prevent automated abuse, secure the Site, and maintain performance.
We do not currently use advertising pixels to build profiles for targeted advertising, and we do not sell personal data for targeted advertising. If we later add nonessential analytics or advertising technologies, we will update this Privacy Policy and provide any notice or choices required by applicable law.
You can control many cookies through your browser settings. Disabling necessary technologies may prevent forms or other Site features from working properly.
We may disclose information to:
These providers may process information under their own terms and privacy policies. We do not control the privacy practices of third-party websites or services.
We do not sell personal data for money. We also do not currently process personal data for targeted advertising or profiling that produces legal or similarly significant effects.
If these practices change, we will update this Privacy Policy and provide any legally required notice and opt-out mechanism. Because we do not currently engage in these activities, browser-based opt-out signals do not change our present practices.
We retain personal information only for as long as reasonably necessary for the purposes described in this Policy, including to maintain an active subscription, respond to a request, comply with legal obligations, resolve disputes, and protect the Site.
Email-subscription information may be retained until you unsubscribe or request deletion, subject to limited suppression records maintained to ensure that an unsubscribe request continues to be honored. Technical logs may be retained according to the practices of our hosting and security providers.
We use reasonable administrative and technical measures intended to protect personal information. However, no website, transmission method, or storage system can be guaranteed to be completely secure. You submit information through the Site at your own risk.
Depending on your residence and applicable law, you may have the right to request that we:
To submit a request, email hello@theincomevariable.com with the subject line Privacy Request and describe the request. We may need to verify your identity before completing it. We will not discriminate against you for exercising an applicable privacy right.
If we deny a privacy request, you may appeal by emailing hello@theincomevariable.com with the subject line Privacy Appeal and explaining why you believe the decision should be reconsidered. We will respond within the period required by applicable law.
You may also unsubscribe from marketing emails at any time through the link contained in each message.
The Site is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has submitted personal information to us, contact us so that we can evaluate and, where appropriate, delete it.
The Site may link to websites, publications, products, or services operated by third parties. Their privacy practices are governed by their own policies. A link does not mean that we control or accept responsibility for the third party’s privacy or security practices.
The Site is operated from the United States and is primarily intended for a United States audience. If you access the Site from another country, information may be transferred to and processed in the United States or other locations where our service providers operate. Those locations may have different data-protection laws than your jurisdiction.
We may update this Privacy Policy as the Site, its tools, or applicable law changes. The revised version will be posted on this page with an updated effective date. Material changes may also be communicated through the Site or by email when appropriate.
For questions, privacy requests, or concerns about this Privacy Policy, contact:
The Income Variable
Email: hello@theincomevariable.com
