Privacy Policy

RetirementNeuron.ai, operated by RetirementNeuron LLC ("RetirementNeuron," "we," "us," or "our"), respects your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect information when you use our website, web application, mobile application, AI retirement planning tools, optional one-time advisor review, and related services (collectively, the "Services").

RetirementNeuron provides educational retirement planning tools, projections, simulations, and AI-assisted guidance. RetirementNeuron is not a bank, broker-dealer, investment adviser, tax preparer, law firm, accounting firm, or insurance provider unless separately stated in a written agreement.

This Privacy Policy is designed to comply with general U.S. privacy expectations and may include rights relevant to California users under the California Consumer Privacy Act/California Privacy Rights Act. California law gives consumers rights to know, delete, correct, and opt out of certain uses of personal information.

1. Information We Collect

We may collect information directly from you, automatically from your device, from third-party services you choose to connect, and from service providers.

1.1 Account Information

When you create an account or use RetirementNeuron, we may collect:

We do not store your raw password. Passwords, where applicable, should be stored using secure hashing.

1.2 Retirement Planning Information

To provide retirement planning tools, we may collect information you enter into the application, including:

This information may be sensitive because it can reveal financial, household, retirement, and tax-planning details.

1.3 Payment and Billing Information

If you optionally purchase a one-time advisor review, payment information may be processed by a third-party payment provider such as Stripe, PayPal, or another processor. We may receive limited billing information, such as:

We generally do not store full credit card numbers on our own servers.

1.4 Device, Usage, and Log Information

When you use our Services, we may automatically collect:

The FTC has emphasized that companies should live up to privacy and security promises they make to users, especially when handling sensitive consumer data.

1.5 Cookies and Similar Technologies

We may use cookies, local storage, pixels, SDKs, and similar technologies to:

• Keep you signed in
• Remember preferences
• Improve performance
• Understand usage
• Protect against fraud
• Measure marketing effectiveness

You can control cookies through your browser settings. Some features may not work properly if cookies are disabled.

1.6 Information from Third-Party Services

If you choose to connect third-party services, we may receive information from them, subject to your permissions. Examples may include:

We will only collect data from connected services according to your authorization and the third party's applicable terms.

2. How We Use Your Information

We may use your information to:

2.1 Provide the Services

We use your information to:

• Create and manage your account
• Build your retirement profile
• Generate retirement projections
• Run Monte Carlo simulations
• Compare scenarios
• Estimate Social Security strategies
• Estimate Roth conversion scenarios
• Show Medicare/IRMAA watchpoints
• Generate AI Strategist responses
• Create reports and recommendations
• Save your planning data and preferences

2.2 Personalize Retirement Planning

We may use your planning data to provide personalized educational outputs, including:

• Retirement readiness score
• Suggested planning actions
• Withdrawal strategy analysis
• Roth conversion analysis
• Social Security timing comparison
• Tax and Medicare watchpoints
• Scenario-based projections
• AI-generated explanations

2.3 Improve and Develop the Product

We may use de-identified, aggregated, or limited usage data to:

• Improve app performance
• Fix bugs
• Understand which features are useful
• Build new features
• Improve AI prompts, workflows, and user experience
• Conduct internal analytics

Where possible, we use aggregated or de-identified data for product improvement.

2.4 Communicate With You

We may contact you about:

• Account activity
• Security alerts
• Advisor review payment status
• Product updates
• Feature announcements
• Support responses
• Policy updates
• Service interruptions

You may opt out of marketing communications, but we may still send transactional or security-related messages.

2.5 Security, Fraud Prevention, and Compliance

We may use data to:

• Detect fraud or abuse
• Protect accounts
• Enforce our Terms of Service
• Troubleshoot technical issues
• Comply with legal obligations
• Respond to lawful requests
• Maintain audit logs

3. AI Features and Use of Data

RetirementNeuron may include AI-powered features, including an AI Strategist, explanations, recommendations, and natural-language planning assistance.

3.1 AI Inputs

When you ask the AI Strategist a question, we may process:

• Your question or prompt
• Relevant retirement plan data
• Scenario data
• Household assumptions
• Financial assumptions
• Prior conversation context within the app
• Relevant rules, calculations, or planning outputs

3.2 AI Outputs

AI-generated responses may include:

• Educational explanations
• Retirement planning suggestions
• Scenario interpretations
• Tax-aware planning discussion
• Roth conversion considerations
• Social Security claiming considerations
• Medicare/IRMAA watchpoints

AI outputs are for educational and planning assistance only and may contain errors or incomplete assumptions. You should verify important decisions with a qualified financial, tax, legal, or benefits professional.

3.3 Third-Party AI Providers

We may use third-party AI infrastructure providers to process prompts and generate responses. We will send only the information reasonably necessary to provide the AI feature. We do not knowingly use your personal financial planning data to train public AI models unless we clearly disclose that and obtain any legally required consent.

3.4 ChatGPT connection

You may connect RetirementNeuron to ChatGPT. ChatGPT is a separate service operated by OpenAI. It is not part of RetirementNeuron. Authentication for that connection uses Auth0. The current connection is read-only: an authorized ChatGPT request may retrieve saved plan information, and RetirementNeuron does not save ChatGPT edits back to your plan.

Categories that an authorized request may return include:

• Retirement-plan assumptions
• Asset and account totals
• Spending assumptions
• Social Security assumptions
• Tax estimates
• Medicare and IRMAA information
• Scenario names and derived analysis

Those results are sent to the ChatGPT session that requested them. OpenAI's handling of that session is governed by OpenAI's terms and privacy policy. RetirementNeuron stores the saved plan, a local issuer-and-subject link for the connection, and security events that use a pseudonymous identifier rather than the raw sign-in subject. Operational logs record request status, tool name, and a correlation id. They are not a copy of the plan.

Disconnecting in RetirementNeuron immediately prevents RetirementNeuron data from being read through the connector. It does not delete your household. RetirementNeuron refuses later ChatGPT reads until you allow the connection again from settings. When the server can reach Auth0, disconnect also removes the matching ChatGPT authorization grant. If that removal does not succeed, access stays off and you can remove or disconnect RetirementNeuron in ChatGPT. That ChatGPT step is separate from the RetirementNeuron control. Account deletion is a separate control in settings. Deletion anonymizes the login, removes the ChatGPT link, and clears direct identifiers such as member names. Some anonymized planning records may remain. Database backups and application logs are kept only for their configured retention windows and are not erased at the instant of the request. A partial privacy export is available from settings. It includes saved profile and plan inputs and states what it leaves out, including unsaved ChatGPT calculations.

More detail is on the ChatGPT integration page. Privacy questions: privacy@retirementneuron.ai.

4. Legal, Tax, Investment, and Financial Disclaimer

RetirementNeuron is designed to help users understand retirement planning possibilities. It does not provide guaranteed outcomes. RetirementNeuron does not provide:

• Personalized investment advice as a registered investment adviser
• Legal advice
• Tax preparation services
• Accounting advice
• Insurance advice
• Brokerage services
• Banking services
• Government benefits filing services

You are responsible for reviewing outputs and consulting appropriate professionals before making financial, tax, investment, Social Security, Medicare, estate, or legal decisions. If RetirementNeuron later becomes a registered investment adviser, broker-dealer, insurance agency, or other regulated entity, additional disclosures and policies may apply. The SEC has issued guidance for robo-advisers emphasizing clear disclosures and plain-English explanation of advisory services and limitations.

5. How We Share Information

We do not sell your personal information in the ordinary meaning of selling your name or financial profile for money. We may share information in the following situations:

5.1 Service Providers

We may share data with vendors who help operate the Services, such as:

These providers are authorized to use information only as needed to provide services to us, subject to contractual and legal obligations.

5.2 Payment Processors

When you make a payment, payment information may be collected directly by a payment processor. Their privacy policy will govern their handling of payment data.

5.3 Legal and Compliance

We may disclose information if we believe it is necessary to:

• Comply with law
• Respond to subpoenas or legal process
• Protect our rights
• Prevent fraud or abuse
• Protect user safety
• Enforce our Terms of Service
• Respond to government or regulatory requests

5.4 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar transaction, your information may be transferred as part of that transaction.

5.5 With Your Direction or Consent

We may share information when you direct us to do so, such as when you export a report, share a plan, connect a third-party account, or invite a professional adviser.

6. Data We Do Not Intend to Collect

Unless clearly required for a feature, we do not intend to collect:

• Full Social Security numbers
• Full bank login credentials
• Full credit card numbers
• Medical records
• Genetic data
• Children's data
• Driver's license or passport scans
• Precise geolocation
• Biometric identifiers

If a feature later requires additional sensitive data, we will update this Privacy Policy and provide appropriate notices.

7. Data Security

We use reasonable administrative, technical, and organizational safeguards to protect your information. These may include:

• Encryption in transit
• Encryption at rest where appropriate
• Access controls
• Authentication controls
• Secure password storage
• Logging and monitoring
• Vendor security review
• Least-privilege access
• Backups and disaster recovery practices
• Secure development practices

No system is completely secure. We cannot guarantee that unauthorized access, loss, misuse, or disclosure will never occur. The FTC has taken enforcement action where companies failed to protect sensitive personal information or misrepresented their privacy/security practices, so RetirementNeuron should implement safeguards consistent with the sensitivity of retirement and financial planning data.

8. Data Retention

We retain information for as long as reasonably necessary to:

• Provide the Services
• Maintain your account
• Comply with legal obligations
• Resolve disputes
• Enforce agreements
• Maintain security logs
• Support tax, billing, and audit records
• Improve the Services using aggregated or de-identified data

You may request deletion of your account or personal information, subject to legal, security, backup, fraud-prevention, and compliance exceptions.

9. Your Choices

Depending on your location and applicable law, you may have rights to access, correct, delete, export, restrict or object to certain processing, opt out of marketing emails, opt out of certain targeted advertising or sharing where applicable, limit use of sensitive personal information where applicable, and appeal certain privacy decisions where applicable.

To make a request, contact us at:

• Email: privacy@retirementneuron.ai
• Mail: RetirementNeuron.ai, Brentwood, CA 94513

We may need to verify your identity before completing your request.

10. California Privacy Notice

This section applies to California residents if the California Consumer Privacy Act/California Privacy Rights Act applies to RetirementNeuron. California residents may have the right to know what personal information we collect; know the categories of sources; know the purposes for collecting, using, selling, or sharing; know the categories of third parties to whom information is disclosed; request deletion; request correction; opt out of sale or sharing; limit the use or disclosure of sensitive personal information where applicable; and not be discriminated against for exercising privacy rights. The California Attorney General explains that the CCPA gives California consumers control over personal information collected by businesses, including rights to know, delete, and opt out of certain sales or sharing.

10.1 Categories of Personal Information Collected

In the past 12 months, we may have collected the following categories:

10.2 Sources of Information

• You
• Your device/browser
• Payment processors
• Authentication providers
• Connected third-party services
• Analytics/security tools
• Customer support communications

10.3 Business Purposes

• Providing the app
• Account management
• Retirement planning calculations
• AI Strategist features
• One-time advisor review payments
• Security
• Support
• Analytics
• Compliance
• Product improvement

10.4 Sale or Sharing

We do not sell personal information for money. However, some analytics or advertising tools may be considered "sharing" under California law if used for cross-context behavioral advertising. If we use such tools, we will provide a method to opt out, such as a "Do Not Sell or Share My Personal Information" link, cookie settings, or browser-based opt-out mechanism.

10.5 Sensitive Personal Information

We may process sensitive personal information only as reasonably necessary to provide the Services, secure accounts, process payments, comply with law, or as otherwise permitted.

10.6 Exercising California Rights

California residents may contact us at: Email privacy@retirementneuron.ai. We will verify and respond to requests as required by applicable law.

11. Other U.S. State Privacy Rights

Residents of certain U.S. states may have privacy rights under state laws, including rights to access, correct, delete, export, or opt out of certain processing. We will respond to applicable requests according to the law that applies to your state.

12. International Users

RetirementNeuron is currently intended primarily for users in the United States unless otherwise stated. If you access the Services from outside the United States, your information may be processed in the United States or other countries where our service providers operate. These countries may have privacy laws different from your country.

13. Children's Privacy

RetirementNeuron is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, contact us at: Email privacy@retirementneuron.ai. We will take reasonable steps to delete such information.

14. Cookies, Analytics, and Tracking

We may use cookies and similar technologies for:

• Authentication
• Session management
• Security
• Preferences
• Analytics
• Performance monitoring
• Marketing attribution

You can manage cookie preferences through your browser or any cookie settings tool we provide. If we use analytics or advertising technologies that qualify as "sale," "sharing," or targeted advertising under applicable law, we will provide appropriate opt-out methods.

15. Email and Communications

You may receive:

• Account emails
• Security alerts
• Billing notices
• Product updates
• Support responses
• Marketing emails

You can unsubscribe from marketing emails using the unsubscribe link. You cannot opt out of essential account, legal, billing, or security communications.

16. Data Export and Account Deletion

Signed-in users can download a partial privacy export, disconnect ChatGPT, or delete the account from account settings. The export includes saved profile, household, member, account, preference, and scenario-name data. It does not include unsaved ChatGPT calculations, full scenario documents, or security logs. Account deletion removes the ChatGPT identity link and direct identifiers. It does not instantly erase database backups or application logs. Those follow their retention windows. You can also email privacy@retirementneuron.ai. After deletion, we may retain limited information where necessary for legal compliance, security, fraud prevention, billing records, dispute resolution, backups, or legitimate business purposes.

17. Third-Party Links

Our Services may contain links to third-party websites, tools, payment processors, government resources, or professional services. We are not responsible for the privacy practices of third-party websites or services. You should review their privacy policies before providing information.

18. Financial, Tax, Social Security, and Medicare Data

RetirementNeuron may allow you to input estimates related to:

• Social Security
• Medicare
• IRMAA
• MAGI
• Tax brackets
• Roth conversions
• 401(k)/IRA withdrawals
• Investment balances
• Retirement income

This data is used to provide planning estimates and educational outputs. RetirementNeuron does not file tax returns, file Social Security claims, enroll users in Medicare, or execute financial transactions. Because tax and benefits rules change, you should verify important outputs with official sources or qualified professionals. The IRS describes personally identifiable information as information that may be used to identify a person and provides privacy principles for online services that collect such information.

19. Data Accuracy and User Responsibility

You are responsible for the accuracy of the information you enter. RetirementNeuron's projections depend on assumptions, including market returns, inflation, tax rates, spending levels, life expectancy, healthcare costs, Social Security claiming age, Medicare rules, investment balances, and contribution and withdrawal assumptions. Incorrect inputs may produce incorrect outputs.

20. De-Identified and Aggregated Data

We may create aggregated or de-identified data that does not reasonably identify you. We may use such data to:

• Improve the product
• Understand trends
• Develop features
• Create benchmarks
• Conduct research
• Prepare business reports

We will not attempt to re-identify de-identified data except as permitted by law, such as for security testing or compliance.

21. Security Incidents

If we discover a security incident affecting your personal information, we will investigate and notify affected users and authorities as required by applicable law. If you believe your account has been compromised, contact us immediately at: Email security@retirementneuron.ai.

22. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we may notify you by:

• Posting the updated policy
• Updating the "Last Updated" date
• Sending an email
• Providing in-app notice

Your continued use of the Services after an update means you accept the updated Privacy Policy, to the extent permitted by law.

23. Contact Us

For privacy questions, requests, or concerns, contact:

• RetirementNeuron LLC
• Website: https://retirementneuron.ai
• Email: privacy@retirementneuron.ai
• Security email: security@retirementneuron.ai
• Mailing address: RetirementNeuron.ai, Brentwood, CA 94513