Privacy Policy
This Privacy Policy explains how ("," "we," "us," or "our") collects, uses, stores, and discloses information when you use the mobile application and any related services (collectively, the "App").
If you do not agree with this Privacy Policy, do not use the App.
1. Who We Are
is provided by Christopher Donoso, based in the United States.
Contact:
Christopher Donoso
christopherdonoso@protonmail.com
United States
2. Information We Collect
We may collect or process the following categories of information:
A. Information You Provide
When you use the App, you may enter information such as:
- age and retirement age
- retirement savings balances
- monthly contribution amounts
- retirement income goals
- expected Social Security estimates
- retirement location selections
- account types and account-level retirement balances
- custom planning assumptions you choose to enter
B. Device-Stored App Data
The App stores retirement planning data on your device. If iCloud sync is enabled, certain app data may also sync through Apple's CloudKit/iCloud services associated with your Apple account.
C. Diagnostic and Error Information
The App may collect limited diagnostic, crash, and error information to help identify bugs and improve reliability. Based on the current implementation, the App uses Sentry for crash/error logging with a minimized privacy footprint and without default personally identifiable information enabled.
D. Automatically Collected Technical Data
Certain technical information may be processed automatically, such as:
- app version
- device platform
- crash logs
- error details
- basic diagnostic event information
3. Information We Do Not Intend to Collect
We do not intend to collect:
- your name unless you voluntarily provide it through support communications
- precise location data
- contacts
- photos
- browsing history
- health records
- payment card details
- government identification numbers
- advertising identifiers for tracking
We do not sell your personal information.
4. How We Use Information
We may use information to:
- provide retirement projections and planning features
- save and sync your retirement planning data
- maintain app functionality
- monitor cloud sync status
- detect, diagnose, and fix crashes or errors
- improve app stability and user experience
- respond to support requests
- comply with legal obligations
5. Cloud Sync and Apple Services
If cloud sync is enabled, your app data may be stored and synced using Apple iCloud and CloudKit services. That data is subject in part to Apple's systems and policies.
We do not control Apple's handling of information processed through iCloud or CloudKit. You should also review Apple's privacy information if you use cloud sync.
6. Crash Reporting and Diagnostics
may use Sentry to collect crash reports, error events, and limited technical diagnostics so that app problems can be identified and fixed.
Based on the current app configuration:
- default personally identifiable information is disabled
- performance monitoring is disabled
- stack traces and technical error context may be included in error reports
Even where we aim to minimize data collection, diagnostic reports may still contain technical information that could, in some circumstances, relate to your device or app activity.
7. How We Share Information
We may share information only in the following limited circumstances:
- with service providers that help operate the App, such as crash/error monitoring providers
- with Apple where iCloud/CloudKit syncing is used
- if required by law, court order, subpoena, or legal process
- to protect rights, safety, security, or prevent fraud
- in connection with a business transfer such as a merger, acquisition, or sale of assets
We do not sell your information to data brokers or advertisers.
8. Data Retention
We retain information only as long as reasonably necessary for the purposes described in this Privacy Policy, including:
- while it remains stored on your device
- while it remains in your iCloud/CloudKit account if sync is enabled
- as needed for troubleshooting, legal compliance, dispute resolution, or enforcement of agreements
Crash and diagnostic records may be retained for a limited period as needed to investigate app reliability and security issues.
9. Data Security
We use reasonable measures to help protect information, but no method of storage, transmission, or electronic processing is completely secure.
We cannot guarantee absolute security of your information.
10. Your Choices
You may be able to:
- edit or delete retirement planning information inside the App
- disable or limit iCloud syncing through your Apple device settings
- stop using the App at any time
- contact us to ask privacy-related questions
If you want to remove locally stored data, deleting the App from your device may remove local app data, though iCloud data may persist depending on your Apple settings and backups.
11. Children's Privacy
The App is not intended for children under 13, and we do not knowingly collect personal information from children under 13.
If you believe a child has provided personal information through the App, contact us and we will take reasonable steps to address the issue.
12. International Users
The App is operated from the United States. If you use the App from outside the United States, you understand that your information may be processed in the United States or in other countries where service providers operate.
13. Third-Party Services
The App may rely on or link to third-party services, including:
- Apple App Store
- Apple iCloud / CloudKit
- Sentry
- external financial or government informational resources, if linked from the App
Those third parties have their own privacy practices, and we are not responsible for their independent privacy policies.
14. Your Privacy Rights
Depending on where you live, you may have rights relating to your personal information, such as the right to request access, correction, or deletion.
If you would like to make a privacy-related request, contact us at:
christopherdonoso@protonmail.com
We may need to verify your request before responding.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. If we make material changes, we may provide notice by updating the date above, through the App, or by other reasonable means.
Your continued use of the App after an updated Privacy Policy becomes effective constitutes acceptance of the revised policy.
16. Contact
If you have questions about this Privacy Policy, contact:
Christopher Donoso
christopherdonoso@protonmail.com
United States