Privacy Policy

1. Information we collect

We collect information needed to operate, secure, and support the planner, including:

• Account information: email address, password hash, email-verification status, two-step verification settings, account role, and administrator actions.
• Planning information: household members, birth dates, life expectancy assumptions, income, expenses, assets, debts, properties, retirement accounts, Social Security assumptions, tax assumptions, Medicare assumptions, survivor-planning assumptions, charitable-giving assumptions, notes, and other information entered into the planner.
• Uploaded or imported content: workbook imports, backup files, scenario files, and metadata needed to process those files.
• Technical and security information: IP address, browser and device information, session identifiers, login attempts, password reset events, two-step verification events, audit logs, and system-maintenance records.
• Communications: messages, support requests, emails, and other information you send to us.

2. How we use information

We use information to provide the planner, create and manage accounts, authenticate users, generate retirement projections and reports, support scenario comparison, maintain audit records, send account and annual-review notices, respond to support requests, troubleshoot issues, prevent misuse, improve site reliability, comply with legal obligations, and protect the site and its users.

3. Financial-planning data and estimates

The planner may store sensitive household and financial information. Projection results are estimates based on assumptions and may change as market conditions, tax rules, Social Security rules, Medicare rules, inflation, and personal circumstances change. The planner is not a substitute for advice from a qualified financial, tax, legal, accounting, or investment professional.

4. Cookies and similar technologies

The site uses cookies and similar technologies to keep users signed in, support security checks, remember preferences, and operate the application. Blocking cookies may prevent parts of the planner from working correctly.

5. How information is shared

We do not sell personal information. We may share information with service providers that help us host, secure, maintain, email, monitor, or operate the site; with market-data providers as needed for optional price-refresh features; when required by law or lawful process; to protect rights, safety, property, or security; in connection with a business transfer; or with your direction or consent.

6. Security

We use reasonable administrative, technical, and physical safeguards designed to protect information. These may include password hashing, session controls, access controls, audit logging, rate limiting, account lockout, transport encryption, two-step verification, and application-level encryption for selected stored payloads. No website, network, or storage system can be guaranteed to be completely secure.

7. Data retention

We retain information for as long as reasonably needed to provide the service, administer accounts, maintain backups, comply with legal obligations, resolve disputes, enforce terms, and protect security. Some audit, backup, and security records may be retained longer than active plan data.

8. Your choices

You may request access, correction, export, or deletion of your information by contacting us. We may need to verify your identity before acting on a request. Some records may need to be retained where required for security, legal, backup, or administrative reasons.

9. Children

The site is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13.

10. Changes to this policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date.

11. Contact

Questions about privacy practices may be sent to:

AGE Management / Steven Belsha
Abilene, Texas
admin@belsha.com