Privacy Policy

What we collect

There are no user accounts. The retirement numbers, assumptions, and scenarios you enter are stored in your browser's local storage — on your device. We never receive them and we keep no copy. We do run a server, and it holds two small things. If you buy, it stores what you purchased and how much of your AI allowance you've used — that's what makes your purchase work across sessions and devices. And we record anonymous usage, described under Analytics below. Neither one ever contains a dollar figure you entered.

What stays on your device

All of your inputs (age, savings, income, goals), all calculated results, and any scenarios you save are stored locally in your browser. If you clear your browser data, that information is gone — we have no copy of it.

Payment processing

If you upgrade to Navigator, payment is processed by Stripe. We receive confirmation that a payment was made, but Stripe handles all financial data. We do not store your credit card number or billing details. You can review Stripe's privacy policy at stripe.com/privacy.

Analytics

We record anonymous product analytics ourselves rather than handing them to someone else — which features get opened, where people get stuck, and whether anything is crashing. Events are tied to a randomly-generated local UUID, not to any personal identifier, and they include a general description of your plan: whether it's for one person or two, whether you've already retired, the goal you chose, and roughly how well-funded it is. Never a dollar figure you entered, never a retirement number you typed, never an AI Advisor conversation. Raw records are deleted after 90 days. While we finish moving off our previous provider, these events are also still sent to PostHog (posthog.com/privacy); that will end shortly.

AI Advisor data

When you use the AI Advisor, the numbers from your plan (anonymized — no name, account numbers, or institution names) are sent to our API and forwarded to Anthropic for processing. We do not log the request contents or store conversation history on our servers. Anthropic processes the request to generate the response and returns it to your browser. Their privacy practices are documented at anthropic.com/privacy.

Share links

When you click "Share Your Plan" and copy a link, the scenario inputs in your plan are encoded into a URL and sent to our short-link provider, short.io, which generates a shorter URL on link.retirementscenario.com for easy sharing. The encoded data contains only the numbers you've entered — no name, account information, or anything that identifies you. short.io may log clicks on the short link as part of their normal redirect service. You can review their privacy practices at short.io/privacy. This is the only situation in which any plan data leaves your browser, and only when you explicitly choose to share.

Cookies

We use a session cookie solely to track whether you've completed the onboarding wizard in this browser session. It contains no personal information. Separately, if you arrive through a partner's referral link, our affiliate platform (Rewardful) sets a cookie holding a random referral ID so the partner who sent you is credited if you later buy — it identifies the link you clicked, never you, carries nothing you've entered, and expires after 90 days. Arrive any other way and no referral cookie is set. Neither cookie is used for advertising.

Contact form and newsletter

If you submit our contact form or sign up for our newsletter, we receive your email address and any message you send. These are processed by Resend (our email provider) and stored only to enable us to respond and (for newsletter subscribers) to send periodic updates. We do not share email addresses with anyone, and you can unsubscribe from the newsletter at any time.

Third-party sharing

We do not sell, rent, or share your data with anyone, and we never will. The only outside companies that touch anything are the processors named above — Stripe for payment, Anthropic for AI Advisor requests, short.io for share links, Resend for email, Rewardful for crediting partner referrals — each doing one job and nothing else.

Children

This service is intended for adults planning for retirement. We do not knowingly collect information from anyone under 18.

Changes to this policy

If we change this policy in a meaningful way, we'll update the date at the top. The current version always lives at retirementscenario.com.

Contact

Questions? Use the contact form.