Privacy Policy

At Retireista, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile applications, and other services (collectively, the "Services"). Please read this Privacy Policy carefully. By using the Services, you consent to the practices described in this policy.

1. Information We Collect

1.1 Personal Information

We may collect the following types of personal information:

• Account Information: When you create an account, we collect your name, email address, and password.
• Profile Information: Information you provide in your user profile, such as age, retirement goals, and other demographic information.
• Financial Information: Information related to your financial situation that you provide for retirement planning calculations, such as current savings, income, expenses, and investment allocations.
• Payment Information: If you subscribe to our Premium plan, we collect payment information, which may include credit card details, billing address, and transaction history. Full payment information is processed by our payment processor (Stripe) and we do not store complete credit card details on our servers.

1.2 Usage and Technical Information

We automatically collect certain information when you use our Services:

• Log Data: Information your browser sends whenever you visit our Services, such as your IP address, browser type, browser version, pages visited, time and date of visit, time spent on pages, and other statistics.
• Device Information: Information about the device you use to access our Services, including device type, operating system, and unique device identifiers.
• Cookies and Similar Technologies: We use cookies and similar tracking technologies to track activity on our Services and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.
• Usage Patterns: Information about how you use our features and tools, which retirement planning scenarios you create, and how you interact with our Services.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• Providing, operating, and maintaining our Services
• Calculating retirement projections and financial scenarios
• Processing and completing transactions
• Managing your account and subscription
• Sending administrative information, such as updates, security alerts, and support messages
• Responding to your comments, questions, and requests
• Improving our Services based on your feedback and usage patterns
• Developing new features, products, and services
• Monitoring the usage of our Services for technical and security purposes
• Preventing fraudulent or unauthorized use of our Services
• Complying with legal obligations

3. How We Share Your Information

We may share your information in the following situations:

3.1 Third-Party Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include:

• Payment Processors: We use Stripe to process payments and subscriptions.
• Analytics Providers: We use analytics services to help us understand how users interact with our Services.
• Customer Support Services: We may use third-party customer support tools to assist with user inquiries.
• Email Service Providers: We use email service providers to send communications to our users.

These third parties are contractually obligated to use your information only as necessary to provide their services to us and are prohibited from using your personal information for any other purpose.

3.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

3.3 Business Transfers

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Services of any change in ownership or uses of your personal information.

3.4 With Your Consent

We may disclose your personal information for any other purpose with your consent.

4. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

5. Data Retention

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law. No purpose in this policy will require us keeping your personal information for longer than the period of time in which users have an account with us, plus a reasonable period thereafter for backup, archival, or legal purposes.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

6. Your Privacy Rights

6.1 Account Information

You can review and change your personal information by logging into your account and visiting your account settings page. You may also contact us directly to request access to, correct, or delete any personal information that you have provided to us.

6.2 Marketing Communications

You can opt-out of receiving marketing emails from us by following the unsubscribe instructions provided in such emails. Even if you opt-out of marketing communications, we may still send you service-related communications, such as those about your account or our ongoing business relations.

6.3 Cookies and Similar Technologies

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features of our Services.

7. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to remove that information from our servers.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: [email protected]