Privacy Policy

1. Introduction

Retirement Buddy ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our retirement planning service.

By using Retirement Buddy, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We collect information you provide directly to us, including:

• Name and email address
• Age and retirement timeline information
• Financial information you choose to share (income, assets, liabilities, retirement accounts)
• Personal preferences and goals for retirement planning
• Communication preferences

2.2 Automatically Collected Information

When you use our service, we automatically collect:

• Device information (type, operating system, browser)
• Usage data (features used, time spent, interactions)
• IP address and approximate location
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide personalized retirement planning guidance and projections
• Improve and optimize our AI-powered retirement planning tools
• Communicate with you about your account and service updates
• Respond to your questions and support requests
• Analyze usage patterns to improve our service
• Ensure security and prevent fraud
• Comply with legal obligations

4. Data Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

• Service Providers: Third-party vendors who assist in providing our service (e.g., cloud hosting, analytics, AI processing)
• Legal Requirements: When required by law, court order, or governmental authority
• Business Transfers: In connection with a merger, sale, or acquisition of all or part of our company
• With Your Consent: When you explicitly authorize us to share your information

5. Data Security

We implement industry-standard security measures to protect your information:

• Encryption of data in transit (HTTPS/TLS)
• Encryption of sensitive data at rest
• Regular security assessments and updates
• Access controls and authentication requirements
• Secure cloud infrastructure (Firebase/Google Cloud Platform)

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Data Portability: Receive your data in a structured, machine-readable format
• Opt-Out: Unsubscribe from marketing communications
• Withdraw Consent: Withdraw consent for data processing where applicable

To exercise these rights, please contact us at privacy@retirementbuddy.com.

7. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience. You can control cookies through your browser settings. Disabling cookies may affect functionality.

8. Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. International Users

Your information may be transferred to and processed in the United States or other countries. By using our service, you consent to such transfers. We comply with applicable data protection regulations, including GDPR and CCPA.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by email or through our service. Your continued use after changes constitutes acceptance.

11. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: