Privacy Policy

Information We Collect

The site may collect information that you provide directly, including:

• Account information, such as your name, email address, username, or login credentials.
• Planning information, such as age, retirement assumptions, income estimates, savings balances, debts, mortgage information, expected retirement dates, household assumptions, and other financial planning inputs.
• Settings and preferences that you save in the application.
• Messages or requests you submit through support, feedback, or contact forms, if those features are available.

The site may also collect basic technical information automatically, including:

• IP address.
• Browser type and device information.
• Pages visited.
• Date and time of visits.
• Referring pages or links.
• Server logs and diagnostic data.

How We Use Information

We use information to:

• Provide and operate the site.
• Save your planning inputs and settings.
• Generate financial projections, estimates, summaries, and related planning outputs.
• Improve the site's functionality, usability, reliability, and security.
• Understand how users interact with the site.
• Troubleshoot errors and prevent abuse.
• Communicate with you if you contact us or create an account.

The site is intended to provide planning estimates and educational tools. It does not provide personalized financial, tax, legal, or investment advice.

Financial Planning Data

The site may allow you to enter financial and household planning information. You should not enter information that you are not comfortable storing in the application.

Financial projections are based on assumptions, estimates, and user-provided inputs. They may be incomplete, inaccurate, or become outdated. You are responsible for reviewing the information you enter and for making your own financial decisions.

Analytics

The site may use analytics tools to understand usage patterns, improve features, detect errors, and measure site performance.

Analytics tools may collect information such as device information, browser information, pages visited, interaction events, approximate location based on IP address, and referral sources.

The site does not currently use analytics tools, but analytics may be added in the future. If a specific analytics provider is added, this Privacy Policy should be updated to identify the provider and describe the relevant data collection practices.

Advertising and Marketing

We do not currently sell visitor information.

The site may use advertising, remarketing, conversion tracking, or marketing tools in the future, including tools such as Google Ads. These tools may use cookies, pixels, tags, or similar technologies to measure ad performance, understand user behavior, or show relevant advertising.

If advertising or marketing tools are added, this Privacy Policy should be updated to describe those tools and any available user choices.

Payments

The site may include payment-related code or infrastructure, but paid features are not currently active.

If paid features are added, payments may be processed by a third-party payment provider such as Stripe. Payment providers may collect and process payment information, billing details, fraud prevention data, and related transaction information. We do not intend to store full credit card numbers on our own servers.

If payments are enabled, this Privacy Policy should be updated to identify the payment provider and link to the provider's applicable privacy terms.

Artificial Intelligence

We do not currently use user-provided financial planning data to train artificial intelligence models.

We do not currently send user-provided financial planning data to third-party AI providers for analysis.

If AI-powered features are added in the future, this Privacy Policy should be updated to explain what data is sent to AI providers, how that data is used, and what choices users have.

Cookies and Similar Technologies

The site may use cookies, local storage, session storage, or similar technologies to:

• Keep users signed in.
• Remember preferences.
• Support application functionality.
• Measure usage and performance.
• Support analytics, advertising, or security features if those services are added.

You can control cookies through your browser settings. Disabling cookies may affect site functionality.

How We Share Information

We may share information with service providers that help operate the site, such as:

• Hosting providers.
• Database and infrastructure providers.
• Authentication providers.
• Analytics providers, if analytics are added.
• Payment processors, if payments are enabled.
• Email or communication providers, if those features are added.
• Security, logging, or error monitoring services.

We may also disclose information if required to comply with law, enforce site terms, protect rights and safety, investigate abuse, or respond to lawful requests.

We do not currently sell personal information.

Data Retention

We keep information for as long as reasonably necessary to provide the site, maintain accounts, comply with legal obligations, resolve disputes, prevent abuse, and improve the service.

If account deletion is supported, deleting an account may remove or anonymize certain user-provided information. Some information may remain in backups, logs, transaction records, or security records for a limited period.

Security

We use reasonable technical and organizational measures to protect information. However, no website, database, or internet transmission is completely secure.

You are responsible for using a strong password, protecting your login credentials, and avoiding entry of information that you do not want stored by the site.

Children's Privacy

The site is not intended for children under 13. We do not knowingly collect personal information from children under 13.

If you believe a child has provided personal information, contact us so we can review and remove the information where appropriate.

Your Choices

Depending on your location and the features available on the site, you may be able to:

• Access the information associated with your account.
• Correct inaccurate information.
• Delete certain saved planning inputs.
• Request deletion of your account.
• Opt out of certain cookies, analytics, or marketing tools where available.

Because this is an early-stage independent project, some privacy controls may need to be handled manually.

State and International Privacy Rights

Some privacy laws provide residents of certain states or countries with specific rights regarding access, deletion, correction, portability, opt-out, or restriction of personal information.

The site is not currently operated as a large commercial business and may not be subject to every privacy law. However, we will make reasonable efforts to respond to legitimate privacy requests.

If the site becomes commercialized, expands to additional jurisdictions, sells or shares personal information, uses targeted advertising, or processes larger amounts of personal data, this Privacy Policy should be reviewed and updated for applicable legal requirements.

Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new "Last updated" date.

If changes are significant, we may provide additional notice, such as through the site interface or by email if user accounts are active.

Contact

For privacy questions or requests, contact [email protected].