We collect three categories of information: Account information. When you create an account or sign up as an advisor, we collect your name, email address, phone number (optional), and company name (advisors only). Advisors may also upload a logo image used in generated reports. Calculator inputs and results. The values you enter into our retirement simulators — such as year of birth, retirement age range, expense assumptions, investment amounts, and growth/inflation rates — are processed to generate your projections. These inputs are stored to allow you to revisit past simulations and to improve the accuracy of our calculation engine. Usage and technical data. We log basic technical information (browser type, device, IP address, timestamps, error events) to operate, secure, and improve the service.

We use the information we collect to: • Provide and maintain the calculation engine and your account. • Authenticate sign-in, send verification codes, and protect against unauthorized access. • Generate downloadable PDF and Excel reports for paid subscribers. • Communicate with you about your account, subscription status, security alerts, and product updates. • Diagnose problems, monitor performance, and improve the accuracy and usability of the simulators. • Comply with legal obligations. We do not sell your personal data to third parties, and we do not use your calculator inputs for advertising purposes.

If you are a registered advisor, you may add clients to your account. Clients you register can be viewed and managed from your advisor dashboard. If you are a client added by an advisor, that advisor can view the simulations they run on your behalf. We do not share your data between unrelated advisors or with other clients.

We use cookies and browser local storage to remember your authentication tokens, preferences, and session state. You can clear these at any time through your browser settings, but doing so will sign you out and remove any locally cached preferences.

We rely on a small set of trusted service providers to operate our platform — including hosting, email delivery, error monitoring, and authentication. These providers process data only as needed to perform their service for us and are bound by appropriate confidentiality and security obligations.

We retain account information for as long as your account remains active. Calculator inputs and results are retained while your account is active so that you can revisit and refine prior simulations. If you delete your account, we will remove or anonymize your data within a reasonable period, except where retention is required for legal, tax, fraud-prevention, or audit purposes.

We use industry-standard measures to protect your data, including encryption in transit (HTTPS), hashed and salted passwords, access controls, and regular monitoring. No system is completely secure, however, and we cannot guarantee absolute security. Please use a strong, unique password and notify us immediately if you suspect unauthorized access to your account.

Depending on where you live, you may have the right to access, correct, export, or delete the personal data we hold about you, and to object to or restrict certain processing. To exercise any of these rights, contact us using the details in the Contact section. We will respond within the timeframe required by applicable law.

Our service is intended for adults considering retirement planning and is not directed to children under 16. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us so we can remove it.

Your information may be processed in countries other than your own. Where required, we use appropriate safeguards (such as standard contractual clauses) to protect data transferred across borders.

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date above and, where appropriate, notify you by email or in-app notice. Your continued use of the service after changes take effect constitutes acceptance of the revised policy.

If you have questions about this policy, want to exercise your privacy rights, or believe your privacy has been violated, please reach out via the Contact page. We will do our best to address your concerns promptly.