Last updated: June 2026 · Effective immediately
⚠️ This summary is for convenience only and is not legally binding. The full policy below contains the complete terms.
This Privacy Policy describes how RetirIQ ("we," "us," or "our") processes information when you use our services at retiriq.ca. Questions? Contact us at [email protected].
In Short: We collect only what is necessary to operate your account. Your financial planning data stays on your device and is never collected by us.
When you create a Pro account, we collect your email address and a hashed password. We do not collect your name, phone number, or any other identifying information unless you voluntarily provide it when contacting support.
All retirement planning data you enter in RetirIQ — including income, investments, expenses, debts, benefits, and projections — is stored exclusively in your browser's local storage on your own device. This data is never transmitted to our servers and we have no access to it whatsoever.
If you purchase a Pro subscription, your payment details are processed directly by our third-party payment provider. We receive only a confirmation of successful payment and a subscription status. We do not store or access your payment card details.
We may collect basic, anonymized usage information such as which features are accessed and general error logs. This data does not include any of your financial planning inputs and cannot be linked back to you individually.
We use strictly necessary security cookies required for the secure operation of our website. These cookies contain no personal information, expire within 60 seconds, and cannot be used to track you across websites.
We do not collect sensitive personal information of any kind.
In Short: We use your account information to operate your subscription and improve the service. We never process your financial planning data — it never reaches us.
Creating and maintaining your Pro subscription, processing payments, and sending account-related communications (no marketing emails).
Using anonymized, aggregated usage data to understand how features are used and where improvements can be made.
When you choose to use the AI Plan Review feature, your plan data is transmitted to our AI provider for that specific request only. See Section 5 for full details.
Protecting the integrity of accounts and detecting unauthorized access.
Processing your information as required by applicable legal obligations.
In Short: We only process your information when we have a valid legal reason to do so.
If you are located in Canada, we process your information in accordance with PIPEDA and applicable provincial privacy legislation.
In Short: We share only what is necessary to operate the service. We never share your financial planning data because we don't have it.
We do not sell, rent, or trade your information to any third party for marketing purposes.
In Short: AI features are optional. When used, your plan data is sent to our AI provider for that request only and is not retained by us.
RetirIQ Pro includes an AI Plan Review feature powered by Claude (Anthropic). When you choose to use this feature:
We encourage you to review Anthropic's privacy policy at anthropic.com/privacy.
In Short: Account information is kept while your account is active and for up to 6 months after deletion. Your financial data exists only on your device.
Inactive Pro accounts will be automatically deactivated after 12 months of no login activity and permanently deleted after an additional 6 months.
In Short: Your financial data is safest because we never collect it. Account data is protected by standard security measures.
We implement reasonable technical and organizational security measures to protect account information, including encrypted connections (HTTPS), hashed password storage, and access controls.
Your financial planning data is the most sensitive information in RetirIQ — and by design, it never leaves your device. The most effective protection we offer is simply not collecting it in the first place.
No internet transmission can be guaranteed 100% secure. You should use RetirIQ only on devices and networks you trust.
In Short: No. RetirIQ is for adults only.
We do not knowingly collect information from anyone under 18 years of age. By using RetirIQ, you confirm you are at least 18 years old. If we become aware that a minor has created an account, we will delete it promptly.
In Short: You have the right to access, correct, delete, and export your data.
Depending on your location, you may have the right to:
To exercise these rights, contact us at [email protected] or delete your account directly from the app's General settings tab.
We do not currently respond to Do-Not-Track browser signals as no uniform standard has been finalized. We do not engage in cross-site tracking.
We may update this Privacy Policy as required by law or as our services evolve. Material changes will be communicated via email to Pro subscribers or by a notice in the app.
For questions, concerns, or to exercise your privacy rights:
A contact form will be available at retiriq.ca/contact once our full web platform launches.