Privacy Policy

Effective date: January 1, 2025  ·  Last updated: May 2025

1. Who We Are

Retirement Hub ("we", "us", "our") operates the website at YOUR-DOMAIN.com. We provide free retirement planning calculators for informational purposes only. We are not a financial advisor, broker, or investment service.

2. Information We Do Not Collect

We do not collect, store, or process:

• Your name, email address, or any personally identifiable information (unless you voluntarily email us)
• Your financial data entered into any calculator — all calculations run locally in your browser
• Your Social Security number, account numbers, or any sensitive financial identifiers
• Payment information of any kind (we charge nothing)

3. Information We May Collect Automatically

Like most websites, we receive certain technical information automatically when you visit:

• Log data: Your IP address, browser type, referring page, pages visited, and timestamps. This data is used for security and to diagnose technical problems. It is not linked to your financial inputs.
• Cookies: We use cookies for analytics (see Section 4) and to remember your dark/light mode preference (rh-theme). No cookies contain your financial data.

4. Analytics

We use Google Analytics 4 to understand how visitors use the site in aggregate (which calculators are most popular, what devices are used, etc.). Google Analytics uses cookies and may collect your IP address. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

We do not use analytics to track individual financial inputs or results.

5. Advertising

We display advertisements served by Google AdSense. Google may use cookies to serve ads based on your prior visits to our site or other sites. You can opt out of personalised advertising by visiting Google's Ads Settings.

We do not share your financial calculator inputs with any advertiser.

6. Affiliate Links

Some pages contain affiliate links to third-party financial products. If you click an affiliate link, we may earn a commission at no cost to you. Clicking these links is entirely voluntary. We do not share your financial calculator inputs with affiliate partners.

7. How We Use Your Information

The limited technical data we receive is used solely to:

• Operate and improve the website
• Monitor for security threats and abuse
• Understand aggregate usage patterns
• Comply with legal obligations

8. Data Sharing

We do not sell, rent, or trade your information to third parties. We may share aggregated, non-identifiable analytics data. We may disclose information if required by law or to protect the rights and safety of our users.

9. Third-Party Services

This site uses the following third-party services, each with their own privacy policies:

• Google Analytics
• Google AdSense
• Google Fonts (no cookies, fonts are cached by your browser)

10. Data Retention

We retain server log data for up to 90 days for security purposes. Analytics data is retained per Google Analytics default retention settings (up to 14 months).

11. Your Rights (GDPR / CCPA)

Depending on your location, you may have rights regarding your personal data, including:

• The right to access data we hold about you
• The right to request deletion of your data
• The right to opt out of the sale of personal information (we do not sell data)
• The right to lodge a complaint with a supervisory authority

To exercise any of these rights, please contact us at hello@YOUR-DOMAIN.com.

12. Children's Privacy

This website is not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us personal information, please contact us immediately.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of the site after changes constitutes acceptance of the revised policy.

14. Contact

If you have questions about this Privacy Policy, please contact us at:
hello@YOUR-DOMAIN.com