Privacy Policy

1. Information We Collect

We collect information you provide directly to us, including:

• Account information (email address, name)
• Financial information you enter (account balances, income, expenses)
• Usage data (how you interact with the Service)
• Payment information (processed securely through Stripe)

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Service
• Generate retirement projections and AI insights
• Process payments and subscriptions
• Send you updates and marketing communications (with your consent)
• Respond to your comments and questions

3. Data Storage and Security

Your financial data is stored securely in our database. We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

We use industry-standard encryption for data in transit and at rest. Payment information is processed by Stripe and never stored on our servers.

4. AI and Third-Party Services

Our AI Advisor feature uses third-party AI services (OpenAI/Anthropic). When you use the AI Advisor, your financial context is sent to these services to generate personalized insights. These services have their own privacy policies and data handling practices.

We do not share your identifiable personal information with these AI services - only anonymized financial data necessary to generate insights.

5. Data Sharing

We do not sell your personal information. We may share your information only in the following circumstances:

• With your consent
• To comply with legal obligations
• To protect our rights, privacy, safety, or property
• With service providers who assist in operating the Service

6. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Export your data in a portable format
• Opt out of marketing communications

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. You may request deletion of your account and data at any time through your account settings.

8. Cookies

We use cookies and similar technologies to maintain your session, remember your preferences, and understand how you use our Service. You can control cookies through your browser settings.

9. Children's Privacy

The Service is not intended for children under 18. We do not knowingly collect personal information from children under 18.

10. Changes to This 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.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at privacy@hammockplan.com.