Privacy Policy
Effective Date: January 1, 2024 | Last Updated: January 1, 2024
Your Privacy Matters: At RetireCalc ("we," "our," or "us"), we are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our retirement calculator and website at retirement-calculator.app.
Information We Collect
Information You Provide
- Calculator Inputs: Age, income, savings amounts, retirement goals (stored locally in your browser)
- Contact Information: Name, email, phone number (when you contact us or subscribe)
- Communications: Messages, feedback, and inquiries you send to us
- Account Information: If you create an account (currently not required)
Information Collected Automatically
- Usage Data: Pages visited, time spent, features used, click patterns
- Device Information: Browser type, operating system, screen resolution
- Location Data: Country and region (based on IP address)
- Cookies: Session cookies, preference cookies, analytics cookies
How We Use Your Information
- ✓Provide Services: Process calculator inputs, generate results, save preferences
- ✓Improve User Experience: Analyze usage patterns, optimize features, fix bugs
- ✓Communications: Respond to inquiries, send requested information, newsletter (with consent)
- ✓Legal Compliance: Meet legal obligations, enforce terms, protect rights
- ✓Analytics: Understand user behavior, measure performance, improve services
Information Sharing and Disclosure
We do not sell, rent, or trade your personal information. We may share your information only in these circumstances:
Service Providers
Third-party vendors who assist in operating our website (hosting, analytics, email services) under strict confidentiality agreements.
Legal Requirements
When required by law, subpoena, or court order, or to protect our rights and safety.
Business Transfers
In connection with a merger, acquisition, or sale of assets (users will be notified).
Aggregated Data
Non-personally identifiable aggregated data for research and improvements.
Data Security
We implement industry-standard security measures to protect your information:
- SSL/TLS encryption for data transmission
- Secure servers with firewall protection
- Regular security audits and updates
- Limited access to personal information (need-to-know basis)
- Secure data storage with encryption at rest
Note: While we use commercially reasonable safeguards, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.
Your Privacy Rights
You Have the Right To:
- • Access: Request a copy of your personal information
- • Correct: Update or correct inaccurate information
- • Delete: Request deletion of your personal information
- • Object: Opt-out of certain uses of your information
- • Portability: Receive your data in a structured format
- • Withdraw Consent: Withdraw previously given consent
To exercise these rights, contact us at privacy@retirement-calculator.app. We will respond within 30 days.
Cookies and Tracking
We use cookies and similar tracking technologies to improve your experience:
| Type | Purpose | Duration |
|---|---|---|
| Essential | Basic website functionality | Session |
| Preferences | Remember your settings | 1 year |
| Analytics | Understand usage patterns | 2 years |
| Marketing | Relevant content (optional) | 90 days |
You can control cookies through your browser settings. Disabling cookies may limit some features.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to read their privacy policies before providing personal information.
Children's Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.
International Data Transfers
Your information may be transferred to and processed in countries other than your own. These countries may have different data protection laws. By using our services, you consent to such transfers.
California Privacy Rights (CCPA)
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, delete, and opt-out of the sale of personal information. We do not sell personal information.
Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of material changes by posting the new policy on this page and updating the "Last Updated" date. Your continued use constitutes acceptance of changes.
Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
- Email: privacy@retirement-calculator.app
- Phone: +86 755-8888-8888
- Location: Shenzhen, China
- Business Type: Virtual Products and Services Only
- Website: Contact Form
Note: We operate exclusively online and provide virtual financial planning tools. We do not maintain a physical office for public visits.