Effective date: February 22, 2026
RetIQ is a retirement planning application operated as a sole proprietorship based in Maryland, United States. You can reach us at [email protected].
All retirement planning inputs, calculations, and projections are processed locally in your browser using JavaScript. This data is stored in your browser's localStorage and is never transmitted to our servers. We have no access to your financial information.
If you export an HTML snapshot of your plan, that file is saved to your device and stays there. We never receive a copy.
Purchase information: When you purchase RetIQ Pro, payment is processed by Stripe. We receive your email address from Stripe solely to deliver your license key and provide support. We do not store credit card numbers or full payment details — those remain with Stripe.
Trial tokens: When you start a free trial, our server issues a cryptographically signed token stored in your browser's localStorage. This token contains only a timestamp and an anonymized network identifier used to limit trial abuse. It does not contain any personal or financial information.
Support emails: If you contact us at [email protected], we retain your email and message in order to respond to you.
We do not use analytics, tracking pixels, or advertising cookies. We do not collect browsing behavior, usage patterns, or device fingerprints. We do not sell or share your data with third parties for marketing purposes.
Stripe: Payment processing is handled by Stripe, Inc. When you purchase RetIQ Pro, you interact with Stripe's checkout interface. Stripe's privacy policy applies to information you provide during checkout: stripe.com/privacy.
Cloudflare: RetIQ is hosted on Cloudflare Pages. Cloudflare may log basic request metadata (IP address, timestamp) as part of normal network operations. Cloudflare's privacy policy applies: cloudflare.com/privacypolicy.
RetIQ does not use cookies. We use browser localStorage to store your plan data and license status locally on your device. You can clear this at any time through your browser settings.
RetIQ is not directed at children under 13. We do not knowingly collect personal information from children.
Since we hold minimal personal data, your primary right is the right to erasure. You can delete your local data at any time by clearing your browser's localStorage. To request deletion of your email address from our records (collected at purchase), contact us at [email protected].
If we make material changes to this policy, we will update the effective date above. Continued use of RetIQ after changes constitutes acceptance of the updated policy.
Questions about this policy? Email us at [email protected].