Privacy Policy

1. Introduction

Welcome to Smart FIRE Calculator ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our financial independence planning tool.

2. Information We Collect

We collect the following types of information to provide our services:

Account Information

• Email address (for account creation and authentication)
• Password (securely hashed, never stored in plain text)

Financial Planning Data

• Current expenses and expense categories
• Income sources and amounts
• Assets and investments (including values, ROI, and tax rates)
• Retirement expense projections
• Personal settings (age, life expectancy, inflation rates, emergency fund, inheritance goals)

Technical Data

• Device type and browser information
• IP address
• Usage patterns and interactions with the application

3. How We Use Your Information

We use your information solely to:

• Provide and maintain the Smart FIRE Calculator service
• Calculate and display your personalized financial independence projections
• Store your data so you can access it across devices and sessions
• Authenticate your identity and secure your account
• Improve our services and fix technical issues
• Communicate important updates about the service

We do NOT use your financial data for advertising, sell it to third parties, or share it with anyone outside of the essential service providers listed below.

4. Data Storage and Security

Your data security is our top priority:

• Encryption: All data is encrypted in transit using TLS/SSL and at rest using industry-standard encryption
• Secure Infrastructure: We use Supabase, a trusted database provider with SOC 2 Type II compliance, for data storage
• Row Level Security: Database policies ensure you can only access your own data - no user can view or modify another user's information
• Password Security: Passwords are hashed using secure algorithms and are never stored in plain text
• Session Management: Secure, HTTP-only cookies are used for authentication

5. Third-Party Services

We use the following third-party services to operate Smart FIRE Calculator:

• Supabase: Database hosting and user authentication
• Vercel: Application hosting and deployment
• Vercel Analytics: Anonymous usage analytics to improve the service

These providers are bound by their own privacy policies and security standards. We only share the minimum data necessary for them to provide their services.

6. Your Rights

You have the following rights regarding your data:

• Access: You can view all your stored data at any time through the application
• Correction: You can update or correct your information through the app settings
• Deletion: You can delete individual entries or request complete account deletion
• Export: You can export your data in a portable format upon request
• Withdraw Consent: You can stop using the service and request data deletion at any time

To exercise any of these rights, please contact us at the email address provided below.

7. Cookies and Local Storage

We use essential cookies and local storage for authentication and session management. These are strictly necessary for the application to function and cannot be disabled. We do not use tracking cookies, advertising cookies, or any non-essential cookies.

8. Data Retention

We retain your data for as long as your account is active. If you delete your account, all associated data will be permanently removed from our systems within 30 days. Backup copies may persist for up to 90 days before being permanently deleted.

9. Children's Privacy

Smart FIRE Calculator is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected data from a child, please contact us immediately.

10. International Data Transfers

Your data may be processed and stored in data centers located outside your country of residence. By using our service, you consent to the transfer of your information to these facilities. We ensure that all data transfers comply with applicable data protection laws.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Smart FIRE Calculator
Email: privacy@smartfirecalculator.com