Privacy Policy

1. Overview & Information We Collect

RetireGrid is designed as a privacy-first educational resource. We do not maintain user account systems or profile databases.

• Zero User Registration: Access to all calculators, estimators, decision tools, and articles is completely open without signing in or creating an account.
• Local Calculation Data: Inputs entered into SSI/SSDI calculators, payment date tools, and letter generators are processed in-memory or on-device and are discarded immediately upon page refresh.
• Technical Logs & Security: Like standard website servers, we log non-personally identifiable technical information such as IP addresses, User-Agent strings, referring/exit pages, and request timestamps solely to maintain server security, prevent DoS attacks, and optimize website performance.

2. Local Browser Storage (localStorage)

Our calculators and interactive tools utilize local browser storage (localStorage) to temporarily retain user inputs and preferences (such as tool progress, saved checklists, or state preferences) directly on your device.

This data remains strictly on your client device, is never transmitted to our servers, sold, or shared with third parties, and can be cleared at any time by clearing your browser cache and local site data.

3. Advertising & Third-Party Cookies (AdSense Compliance)

We partner with third-party advertising providers, including Google AdSense, to display non-intrusive advertisements that keep our educational platform free:

• Third-Party & Google Cookies: Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to our website or other websites on the Internet.
• Personalized Advertising Disclosure: Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visits to our site and/or other sites on the Internet.
• Opt-Out Mechanisms: Users may opt out of personalized advertising at any time by visiting Google My Ad Center or by utilizing the Network Advertising Initiative Opt-Out tool (or www.aboutads.info).
• Cookie Consent Controls: Non-essential cookies are managed through our Cookie Preferences banner. You can accept or decline non-essential cookies at any time.

4. Analytics & Data Retention

We retain non-personally identifiable technical logs according to strict security timelines:

• Analytics Data (Google Analytics): Aggregated, pseudonymized traffic metrics used to improve calculator speed and page responsiveness.
• Security & Rate Limit Logs: Technical IP logs and rate-limiting metrics are automatically deleted within 30 days.
• Temporary Server Logs: Standard web access logs are cleared automatically within 5 minutes to 30 days.

5. User Rights (GDPR & CCPA Compliance)

We do not sell, rent, or trade personal data to any third party. Under privacy frameworks including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA):

• No Data Sales: RetireGrid does not sell personal information under any circumstances.
• Right to Access & Inquire: Residents of the European Economic Area (EEA), California, and other jurisdictions maintain full rights to inquire about data processing or submit privacy questions.
• Opt-Out Rights: You may disable non-essential cookies via our Cookie Preferences banner or through your browser's "Do Not Track" header.

To submit a privacy inquiry, contact us at retiregrid@gmail.com.

6. Children's Privacy

RetireGrid is directed at adults seeking Social Security and retirement benefits information. We do not knowingly collect personal information from children under 13.

7. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Email: retiregrid@gmail.com

Website: retiregrid.com