Privacy Policy

Last Updated:

            OUR COMMITMENT TO YOUR PRIVACY: We are committed to protecting your privacy. This Privacy Policy explains how we handle your information when you use our Pension Calculator service. Most importantly, we do not store your employee data or personal information on our servers.
        

1. Information We Collect

Account Information

When you create an account, we collect:

Username
Email address
Password (encrypted and hashed)
Subscription plan information
Payment information (processed securely through Stripe, not stored by us)

Usage Information

We may collect technical information about your use of the Service:

IP address (for security and analytics)
Browser type and version
Device information
Pages visited and features used
Session duration

Employee Data - NOT Stored

CRITICAL PRIVACY FEATURE: We do NOT collect, store, or retain your employee data, including:

Employee names
Hire dates
Dates of birth
Spouse information
Salary information
Years of service
Calculation results

2. How We Process Your Data

Local Storage on Your Computer

You have the option to:

Download template CSV files to edit locally on your computer
Store employee data files on your own computer
Keep all sensitive information under your control

Data stored locally on your computer is not accessible to us and remains under your complete control.

Server Processing (Temporary)

When you upload files for calculation:

Files are uploaded to our server temporarily for processing
Calculations are performed using the uploaded data
Files are immediately deleted from our servers after calculation completes
No employee data is stored, logged, or retained on our servers
Results are sent back to your browser and not stored on our servers

What We Do Store

We only store:

Your account credentials (username, encrypted password)
Your subscription status and plan type
Payment transaction records (through Stripe, not including full payment details)
General usage analytics (not tied to personal employee data)

3. How We Use Your Information

We use the information we collect to:

Provide and maintain the Service
Process your subscription and payments
Authenticate your account access
Improve the Service and user experience
Send important service-related communications
Ensure security and prevent fraud
Comply with legal obligations

We do NOT use your employee data for any purpose because we do not store it.

4. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information only in the following circumstances:

Payment Processing: Payment information is processed through Stripe, which has its own privacy policy. We do not store full payment card details.
Legal Requirements: We may disclose information if required by law, court order, or government regulation.
Service Providers: We may use third-party services (hosting, analytics) that process limited technical data, but not your employee information.
Business Transfers: In the event of a merger or acquisition, account information may be transferred, but not employee data (which we don't store).

IMPORTANT: We do not share, sell, or disclose your employee data because we do not store it. Your employee information remains private and under your control.

5. Data Security

We implement security measures to protect your account information:

Encrypted password storage (hashing with salt)
Secure HTTPS connections for all data transmission
Secure payment processing through Stripe
Regular security updates and monitoring
Immediate deletion of uploaded files after processing

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Privacy Rights

You have the right to:

Access: Request information about what account data we have about you
Correction: Update or correct your account information
Deletion: Request deletion of your account and associated data
Opt-out: Unsubscribe from non-essential communications
Data Portability: Request a copy of your account data

To exercise these rights, please contact us through the contact information provided in the Service.

            Note: Since we don't store your employee data, there's no employee data to access, correct, or delete from our systems. Your employee data remains on your computer under your control.
        

7. Cookies and Tracking

We may use cookies and similar technologies to:

Maintain your login session
Remember your preferences
Analyze Service usage (anonymized)
Improve user experience

You can control cookies through your browser settings, though this may affect Service functionality.

8. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

9. International Data Transfers

If you are accessing the Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States. By using the Service, you consent to this transfer.

10. Data Retention

We retain account information for as long as your account is active or as needed to provide the Service. We may retain certain information after account closure as required by law or for legitimate business purposes.

Key Point: We do not retain employee data because we do not store it. Once calculations are complete, uploaded files are immediately deleted from our servers.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

Posting the new Privacy Policy on this page
Updating the "Last Updated" date
Sending an email notification for significant changes

Your continued use of the Service after changes constitutes acceptance of the updated policy.

12. Third-Party Services

Our Service may contain links to third-party websites or use third-party services (such as Stripe for payments). We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us through the contact information provided in the Service.

14. Your Acknowledgment

By using this Service, you acknowledge that:

You have read and understood this Privacy Policy
You understand that we do not store your employee data
You are responsible for the security of data stored locally on your computer
You consent to the data practices described in this policy

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