Privacy Policy

1. Introduction

RetirePro ("we", "our", or "us") 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.

2. Information We Collect

2.1 Information You Provide

• Account information (email, name)
• Financial data you enter for retirement planning (savings, income, expenses)
• Payment information (processed securely by Stripe)
• Communications with our support team

2.2 Automatically Collected Information

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

3. How We Use Your Information

We use the information we collect to:

• Provide and maintain our retirement planning service
• Process your subscription payments
• Send you service-related notifications
• Improve and optimize our service
• Respond to your inquiries and support requests
• Detect and prevent fraud or abuse

4. Data Security

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

• 256-bit SSL/TLS encryption for all data transmission
• Encrypted data storage at rest
• Regular security audits and penetration testing
• PCI-DSS compliant payment processing via Stripe
• Access controls and authentication mechanisms

5. Data Sharing

We do NOT sell your personal information. We may share your information only with:

• Payment processors: Stripe, for subscription billing
• AI Services: When you use the AI Retirement Advisor feature, your financial planning data (age, savings, income, expenses, and retirement goals) is sent to xAI (Grok) to generate personalized advice. This data is not stored by xAI beyond the conversation session.
• Analytics providers: To understand service usage
• Legal requirements: When required by law or legal process

6. Cookies

We use cookies and similar technologies to:

• Keep you signed in to your account
• Remember your preferences and settings
• Analyze how our service is used
• Improve your user experience

You can control cookies through your browser settings. Note that disabling cookies may affect service functionality.

7. Your Rights (GDPR/CCPA)

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate data
• Deletion: Request deletion of your data
• Portability: Export your data in a machine-readable format
• Opt-out: Unsubscribe from marketing communications

California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request disclosure of personal information collected, used, and shared
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of the "sale" of personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise any of these rights, contact us at privacy@retirepro.io. We will respond within 45 days as required by law. You may also designate an authorized agent to make a request on your behalf.

8. Data Retention

We retain your personal data for as long as your account is active or as needed to provide services:

• Account data: Retained while account is active, deleted within 30 days of account closure
• Financial planning data: Stored locally in your browser; we do not retain this on our servers
• Payment records: Retained for 7 years as required for tax and legal compliance
• Support communications: Retained for 3 years after resolution
• Analytics data: Aggregated and anonymized; retained indefinitely

You may request deletion of your data at any time by contacting privacy@retirepro.io. Certain data may be retained longer if required by law or for legitimate business purposes.

9. Children's Privacy

RetirePro is not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

11. Contact Us

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

privacy@retirepro.io

RetirePro
Data Protection Officer