Privacy Policy

Retire2050 ("we", "us", or "our") operates the website located at retire2050.com. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website.

By accessing or using Retire2050, you agree to the terms of this Privacy Policy. If you do not agree with these terms, please discontinue use of the site immediately.

We do not directly collect personally identifiable information (PII) such as your name, email address, or payment details. However, third-party services integrated into this site may automatically collect the following data when you visit:

• IP address — used to determine approximate geographic location
• Browser type and version — e.g. Chrome 124, Safari 17
• Device type and operating system — desktop, mobile, tablet
• Pages visited and time on site — for analytics purposes
• Referring URL — the page that linked you to our site
• Cookie identifiers — used by advertising and analytics platforms
• Ad interaction data — clicks and impressions via Google AdSense

This data is collected automatically through browser technologies (cookies, local storage, web beacons) by third-party services including Google AdSense and Google Analytics.

This site uses cookies — small text files stored on your device by your browser. We use the following categories of cookies:

• Strictly Necessary Cookies: Required for the website to function. These cannot be disabled (e.g. remembering your cookie consent choice).
• Advertising Cookies: Used by Google AdSense to deliver personalised advertisements based on your browsing behaviour across websites.
• Analytics Cookies: Help us understand how visitors interact with the site, which pages are most visited, and where traffic originates.
• Preference Cookies: Remember settings you have configured on the site (e.g. simulation parameters).

You can control and manage cookies through your browser settings. Most browsers allow you to block or delete cookies. However, disabling cookies may affect the functionality of this and other websites you visit.

This website uses Google AdSense, an advertising service provided by Google LLC, to display advertisements. Google AdSense uses cookies and web beacons to serve ads on our site.

Google and its partners may use cookies to:

• Display personalised ads based on your previous visits to this and other websites
• Measure the effectiveness of advertising campaigns
• Limit the frequency with which you see the same ad
• Detect and prevent fraudulent clicks and ad impressions
• Analyse ad performance and user engagement

Google's advertising practices are governed by the Google Privacy Policy and the Google Partner Sites Policy.

Retire2050 integrates the following third-party services. Each operates under its own privacy policy, and we encourage you to review them:

• Binance API (api.binance.com) — provides live BTC/ZEC price data. No personal data is transmitted. Binance Privacy Policy
• Kraken API (api.kraken.com) — fallback cryptocurrency price feed. No personal data is transmitted. Kraken Privacy Policy
• CoinGecko API (api.coingecko.com) — second fallback price feed. No personal data is transmitted. CoinGecko Privacy Policy
• Google AdSense — advertising platform (see Section 04). Google Privacy Policy
• Google Fonts (fonts.googleapis.com) — web typography service. May log your IP address when fonts are loaded. Google Privacy Policy
• jsDelivr CDN (cdn.jsdelivr.net) — used to serve Chart.js library. May log request metadata. jsDelivr Privacy Policy

We are not responsible for the content or privacy practices of these third-party services. Links to external sites are provided for convenience only.

If you are located in the European Economic Area (EEA) or the United Kingdom, you have the following rights under the General Data Protection Regulation (GDPR) and the UK GDPR:

• Right of Access: You may request a copy of the personal data we hold about you.
• Right to Rectification: You may request correction of inaccurate or incomplete personal data.
• Right to Erasure ("Right to be Forgotten"): You may request deletion of your personal data under certain circumstances.
• Right to Restrict Processing: You may request that we limit how we use your data in certain situations.
• Right to Data Portability: You may request your data in a structured, machine-readable format.
• Right to Object: You may object to processing of your data for direct marketing or legitimate interests.
• Right to Withdraw Consent: Where processing is based on consent, you may withdraw it at any time without affecting prior processing.

To exercise any of these rights, please contact us using the details in Section 10. We will respond within 30 days. You also have the right to lodge a complaint with your local data protection authority.

If you are a resident of California, you have rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to Know: You may request information about the categories and specific pieces of personal data we have collected about you.
• Right to Delete: You may request deletion of personal data we have collected, subject to certain exceptions.
• Right to Correct: You may request correction of inaccurate personal data.
• Right to Opt-Out of Sale or Sharing: We do not sell or share personal information for cross-context behavioural advertising.
• Right to Limit Use of Sensitive Personal Information: We do not collect sensitive personal information as defined by the CPRA.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To submit a CCPA request, contact us at the details in Section 10. We will verify your identity before processing your request and respond within 45 days.

Retire2050 is not directed at, and does not knowingly collect personal information from, children under the age of 13 (or under 16 in the EEA/UK where applicable under GDPR).

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately using the details in Section 10. Upon verification, we will take prompt steps to delete such information from our records.

We encourage parents and guardians to monitor their children's online activity and to help enforce this policy by instructing their children not to provide personal information through our website.

We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will update the "Last updated" date at the top of this page. Material changes will be communicated via a notice on the main website.

Your continued use of Retire2050 following the posting of changes constitutes your acceptance of the revised policy. If you do not agree to the updated policy, please discontinue use of the site.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us: