Privacy Policy

Introduction

Welcome to Retiro.ca (the "Service"). We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our FIRE (Financial Independence, Retire Early) calculator.

Information We Collect

When you sign in with Google:

• Email address (from your Google account)
• Name (first and last name from your Google account)
• Profile picture URL (if available from your Google account)

When you use the calculator:

• Financial calculation scenarios you create and save
• Calculation inputs (age, assets, spending plans, etc.)
• Scenario names and descriptions you provide

Note: All calculations are performed locally in your browser. We only store data that you explicitly choose to save.

How We Use Your Information

• To provide and maintain the Service
• To store your saved calculation scenarios securely
• To allow you to access your scenarios from any device
• To authenticate your identity when you sign in
• To improve our Service (using anonymized, aggregated data)

We do NOT:

• Sell your personal information to third parties
• Share your financial data with advertisers
• Use your data for marketing purposes

Data Storage and Security

Your data is stored securely in a PostgreSQL database hosted by Neon.tech. Each user's scenarios are isolated and can only be accessed by that user through their authenticated session.

We use industry-standard security measures including:

• Encrypted database connections (SSL/TLS)
• Secure authentication via Google OAuth
• Session-based access control
• HTTPS encryption for all data transmission

Your Rights

You have the right to:

• Access: View all data we have stored about you
• Delete: Request deletion of your account and all associated data
• Export: Request a copy of your data in a portable format
• Correction: Update or correct any inaccurate information

To exercise these rights, please contact us using the email address you used to sign in, or through the contact information provided below.

Third-Party Services

We use the following third-party services:

• Google OAuth: For user authentication. Google's privacy policy applies to the authentication process.
• Google Analytics: To understand how visitors use our site. This data is anonymized and aggregated.
• Neon.tech: For secure database hosting. Your data is stored in their secure infrastructure.
• Render: For application hosting. They provide the infrastructure that runs our Service.

Cookies and Tracking

We use session cookies to maintain your login state. These cookies are essential for the Service to function and are automatically deleted when you close your browser. We also use Google Analytics cookies to understand site usage (anonymized data only).

Children's Privacy

Our Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

Changes to This Privacy Policy

We may update this 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. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights regarding your data, please contact us at the email address associated with your Google account used to sign in, or visit our website at https://retiro.ca.