Privacy Policy

• Account details — your email address and sign-in credentials when you register.
• Calculator inputs — the figures you enter (savings, income, age, currency). These are stored in your browser and, if you save a plan, associated with your session.
• Forum posts — topics and replies you publish.
• Email requests — when you ask us to email results or a plan, we use your email address to send that message.
• Subscription data — if you buy Premium, our payment provider Paddle processes your payment; we store your subscription status, not your card details.
• Usage data — anonymised analytics about pages visited and features used.

• To operate the calculators, forum, and your account;
• To send emails you explicitly request (results summaries, plans, welcome emails);
• To manage your Premium subscription and entitlements;
• To improve the site and keep it secure.

We do not sell your personal data.

We rely on a small number of providers to run the site: Lovable Cloud (hosting, database, and authentication), Paddle (payment processing, as seller of record), and our email delivery service. Each processes data only as needed to provide its service.

We use browser storage to keep you signed in, remember your calculator inputs and currency choice between visits, and remember your translation preference. We do not use third-party advertising cookies.

You can request a copy of your data, correct it, or ask us to delete your account and associated data at any time. Deleting your account removes your forum profile and saved plan; published forum posts may be anonymised rather than removed to preserve discussion threads.

We keep account data while your account is active. Security measures include encrypted connections, row-level access controls on our database, and rate limiting on sensitive actions. See our Trust & Security page for details.

We may update this policy; the date above reflects the current version. For privacy questions or data requests, contact us via the options on our Trust & Security page.