A. Information You Provide

When you use our calculators and tools, you may input:

• Portfolio values
• Withdrawal rates
• Asset allocation preferences
• Retirement timeline parameters

Important: This data is processed locally in your browser and is NOT transmitted to or stored on our servers unless explicitly noted.

B. Automatically Collected Information

We may automatically collect:

• IP address
• Browser type and version
• Operating system
• Referring website
• Pages visited and time spent
• Date and time of visits

C. Cookies and Similar Technologies

We use cookies and local storage for:

• Remembering your preferences
• Analyzing site usage (via analytics services)
• Displaying advertisements (if applicable)

We use collected information to:

• Provide and improve our educational tools
• Analyze usage patterns to enhance user experience
• Respond to user inquiries (if contact is provided)
• Comply with legal obligations
• Protect against fraudulent or illegal activity

We do NOT:

• Sell your personal information
• Share your calculator inputs with third parties
• Use your data for targeted marketing without consent

Local Processing

Most calculations and data processing occur entirely in your browser. We prioritize client-side processing to protect your privacy.

Security Measures

We implement appropriate technical and organizational measures to protect data, including:

• Secure HTTPS connections
• Regular security updates
• Limited data collection
• No storage of sensitive financial account information

Note: No internet transmission is 100% secure. We cannot guarantee absolute security.

We may use third-party services for:

Analytics

We may use services like Google Analytics to understand site usage. These services may collect information about your visits using cookies and other tracking technologies.

Advertising

If we display ads, third-party advertising networks may:

• Use cookies to display relevant ads
• Collect information about your browsing habits
• Track ad performance

Content Delivery

We may use CDNs (Content Delivery Networks) to serve static content efficiently.

Note: These third parties have their own privacy policies. We encourage you to review them.

Your Rights

Depending on your location, you may have the right to:

• Access information we hold about you
• Correct inaccurate information
• Delete your information
• Object to or restrict processing
• Data portability
• Withdraw consent

Cookie Management

You can control cookies through:

• Browser settings (block or delete cookies)
• Browser extensions for privacy
• Opt-out tools from advertising networks

Do Not Track

We respect Do Not Track browser settings where technically feasible.

If you are in the European Economic Area (EEA), you have additional rights under GDPR:

• Legal Basis: We process data based on legitimate interests or consent
• Data Protection Officer: Contact us for data protection inquiries
• Supervisory Authority: You may lodge complaints with your local authority
• International Transfers: Data may be processed in the United States

California residents have additional rights under CCPA:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale (we do not sell personal information)
• Right to non-discrimination

To exercise these rights, contact us using the information provided below.

This website is not intended for children under 18. We do not knowingly collect information from minors. If you believe we have collected information from a child, please contact us immediately.

We retain information only as long as necessary for the purposes outlined in this policy:

• Analytics data: Typically 26 months
• Server logs: 30-90 days
• Calculator inputs: Not stored on our servers
• Cookies: Varies by type (session to 2 years)

This website is operated from the United States. If you access it from other countries, please be aware that:

• Your information may be transferred to and processed in the U.S.
• U.S. privacy laws may differ from your country's laws
• By using this site, you consent to this transfer and processing

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated revision date. Continued use after changes constitutes acceptance.

For privacy questions, requests, or concerns:

• Email: [Your contact email]
• Website: Use the contact form on this site

We will respond to legitimate requests within 30 days.