a. Information You Provide Directly

• Contact Information: Your name, email, and phone number.
• Demographics: Current age, desired retirement age.
• Financial Inputs: balances, contributions, income, expenses, risk tolerance, Social Security details, tax status, and similar plan inputs required for projections.
• Assessment Responses: Any answers you provide during the interactive assessment.

b. Information We Collect Automatically

• Usage Data: actions taken in the app, parameters used in simulations, and success metrics to improve accuracy.
• Technical Data: IP address, browser type, OS, device, and session metadata.
• Interaction Data: messages with the chatbot and Q&A context for support and auditing.

c. Sensitive Data Handling

Financial information is sensitive. We encrypt data in transit and at rest, restrict access to trained personnel, and do not sell personal information. We process inputs only to generate your retirement readiness results and related features.

• To provide services: run Monte Carlo simulations, calculate your score, generate personalized reports, and export PDFs.
• Personalization: tailor insights, recommendations, and next steps based on your profile and results.
• Application improvement: troubleshoot issues, audit simulations, and enhance accuracy.
• Internal operations & compliance: record-keeping, legal and regulatory obligations, security monitoring, and fraud prevention.
• Communication: send important updates, notifications, and support responses. You may opt out of non-essential messages.
• Research & analytics: analyze trends using aggregated or anonymized statistics to improve performance.

• With your consent: we may connect you with certified advisors or third parties when you explicitly authorize it.
• Service providers: vetted vendors for hosting, data storage, logging, security, and support. They access data only to perform contracted services under confidentiality obligations.
• Legal or safety: disclosures required by law, to protect rights, investigate fraud, or respond to lawful requests.
• Business transfers: information may be part of a merger, sale, or acquisition with prior notice.
• Aggregated/Anonymized data: may be shared with partners for research and analytics; it cannot reasonably identify you.

We implement technical and organizational safeguards: encryption in transit and at rest, role-based access controls, least-privilege permissions, network segmentation, routine audits, and continuous monitoring. No method of transmission over the Internet is 100% secure; we cannot guarantee absolute security.

We retain personal information only as long as necessary for the purposes outlined in this policy or as required by law. When no longer needed, we delete or anonymize the information. You may request deletion; some records may be kept for compliance.

• Access: request access to your personal information.
• Correction: request updates to inaccurate or incomplete data.
• Deletion: request deletion, subject to legal exceptions.
• Opt-out: unsubscribe from non-essential communications.

The application may contain links to third-party websites. We are not responsible for the privacy practices of those sites. Review their policies before providing information.

The service is not intended for individuals under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided information, contact us to remove it.

We may update this policy to reflect operational, legal, or regulatory changes. We will post updates with a new effective date. Your continued use after changes means you accept the revised policy.

If you have questions about this policy or our data practices, contact our support team via the in-app help center or email support@myretirescore.com.