Privacy Policy
Short version: All 401(k) calculations run entirely in your browser. We never collect, store, or transmit your age, salary, contribution rate, account balance, or any other calculator input. The site loads Google AdSense only after you accept cookies, and our contact form is processed by FormSubmit only when you voluntarily send a message.
Last updated: .
Information We Do Not Collect
Because every calculator on this site runs locally using JavaScript, we do not receive, log, store, or transmit any of the following:
- Your current or retirement age
- Your salary, contribution rate, or 401(k) balance
- Your employer, state, or zip code
- Any other number or selection you enter into any calculator
Calculator inputs exist only in your browser tab and are discarded when you close it.
Information Automatically Collected
Like virtually every website, our hosting provider (Cloudflare Pages) records standard web server logs that may include:
- IP address (usually truncated by Cloudflare)
- Browser user-agent string
- Referring URL
- Page path and timestamp of visit
These logs are retained for a short period by Cloudflare for security and performance purposes and are not correlated to personally identifiable information by us.
Contact Form Processing
Our contact page includes a submission form powered by FormSubmit, a third-party form-forwarding service. When you submit that form, the information you enter (such as your name, email address, topic, and message) is transmitted to FormSubmit and then forwarded to [email protected].
We use the contact form only to respond to your message, correct errors, review accessibility issues, or handle citation/reprint requests. Please do not submit account numbers, tax IDs, Social Security numbers, or other sensitive financial data.
Cookies & Local Storage
We use localStorage (not cookies) to remember one piece of data: whether you have accepted our cookie banner. This key is cookie_consent with a value of accepted or declined.
When you click Accept, we then load the Google AdSense script, which may set its own cookies to serve relevant ads. If you click Decline, the AdSense script is never loaded on your session.
Google AdSense & DoubleClick
We monetize this site through Google AdSense. When AdSense loads, Google may place or read cookies on your device to:
- Show ads based on prior visits to this and other websites (personalized advertising).
- Measure ad performance and prevent fraudulent clicks.
You can opt out of personalized advertising at any time by visiting Google Ads Settings or aboutads.info.
Per Google’s publisher requirements, we disclose that third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this and other websites.
Analytics
We do not currently run Google Analytics or similar tracking scripts. Aggregated traffic data, if any, comes only from Cloudflare’s built-in privacy-friendly analytics (based on server logs, not client-side trackers).
Children’s Privacy (COPPA)
Our content is directed toward US adults planning for retirement. We do not knowingly collect information from children under 13. If you believe we have inadvertently received such information, please contact us at [email protected] and we will promptly delete it.
Data Rights (GDPR / CCPA / CPRA)
Because we do not collect personally identifiable information about site visitors, there is generally no personal data for us to access, correct, or delete under the GDPR (EU), CCPA/CPRA (California), or comparable laws. If you have questions, contact us at [email protected].
Do Not Track
Our site honors browser-sent “Do Not Track” signals to the extent possible: the cookie banner will behave identically, and if you do not accept cookies, AdSense will not be loaded.
Changes to This Policy
We may update this policy to reflect legal, technical, or business changes. Material changes will be noted at the top of this page with an updated timestamp.
Contact
Email: [email protected]. You can also see our contact page.