Privacy Policy
Your privacy and data security are our top priorities. Learn how we protect your personal and financial information.
Last updated: January 15, 2025
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Information We Collect
Personal Information
- Account Information: Name, email address, and authentication credentials through Google OAuth
- Employment Data: Date of birth, membership date, retirement group, current salary, years of service
- Retirement Planning: Planned retirement date, benefit options, Social Security estimates
- Calculation History: Saved retirement calculations, scenarios, and planning preferences
Technical Information
- Usage Data: Pages visited, features used, time spent, and interaction patterns
- Device Information: Browser type, operating system, screen resolution, and device identifiers
- Performance Data: Error logs, performance metrics, and system diagnostics
How We Use Your Data
Primary Uses
- Provide retirement benefit calculations and estimates
- Save and manage your retirement planning scenarios
- Personalize your experience and recommendations
- Authenticate and secure your account access
Secondary Uses
- Improve application performance and user experience
- Provide customer support and technical assistance
- Analyze usage patterns for feature development
- Ensure security and prevent unauthorized access
Data Protection Measures
Technical Safeguards
- Encryption: All data transmitted using TLS 1.3 encryption
- Authentication: Secure OAuth 2.0 with Google authentication
- Database Security: Encrypted storage with access controls
- Monitoring: Continuous security monitoring and threat detection
Administrative Safeguards
- Access Control: Role-based access with principle of least privilege
- Staff Training: Regular security awareness and privacy training
- Incident Response: Established procedures for security incidents
- Regular Audits: Periodic security assessments and compliance reviews
Information Sharing
We Do NOT Sell Your Data
We never sell, rent, or trade your personal information to third parties for marketing purposes.
Limited Sharing Scenarios
- Service Providers: Trusted vendors who help operate our application (hosting, analytics, support)
- Legal Requirements: When required by law, court order, or government request
- Security Protection: To protect rights, property, or safety of users and the public
- Aggregated Data: Anonymous, statistical data that cannot identify individuals
Your Rights & Choices
Data Access Rights
- View Your Data: Access all personal information we have about you
- Update Information: Correct or update your personal details
- Download Data: Export your data in a portable format
- Delete Account: Request complete removal of your data
Privacy Controls
- Cookie Preferences: Control tracking and analytics cookies
- Email Communications: Opt out of non-essential emails
- Data Processing: Object to certain uses of your information
- Account Settings: Manage privacy preferences in your profile
Cookies & Tracking
Essential Cookies
Required for authentication, security, and basic functionality.
Analytics Cookies
Help us understand usage patterns and improve the application.
Preference Cookies
Remember your settings and personalization choices.
You can manage cookie preferences in your browser settings or through our cookie consent banner.
Data Retention
Active Accounts
Data retained while your account is active and for legitimate business purposes.
Inactive Accounts
Data deleted after 3 years of inactivity, with 90-day notice.
Legal Requirements
Some data may be retained longer to comply with legal obligations.
You can request immediate deletion of your account and data at any time.
Contact Information
If you have questions about this Privacy Policy or our data practices, please contact us:
Privacy Officer
Email: privacy@retirementplanner.app
Response Time: 5 business days
Available: Monday-Friday, 8:00 AM - 5:00 PM EST
Technical Support
Email: support@retirementplanner.app
Response Time: 1-2 business days
Support Hours: Monday-Friday, 8:00 AM - 5:00 PM EST