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<!DOCTYPE html>
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<title>Privacy Policy | FIRE Planner</title>
<meta name="description" content="FIRE Planner Privacy Policy - Learn how we protect your data and privacy while using our financial calculators.">
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<h1>Privacy Policy</h1>
<p class="last-updated">Last Updated: February 23, 2026</p>
<p>At FIRE Planner, we take your privacy seriously. This Privacy Policy explains how we collect, use, and protect your information when you visit fireplanner.org.</p>
<h2>Information We Collect</h2>
<h3>Information You Provide</h3>
<p>We may collect information you voluntarily provide when you:</p>
<ul>
<li>Subscribe to our newsletter (email address)</li>
<li>Contact us via email</li>
<li>Participate in surveys or feedback forms</li>
</ul>
<h3>Automatically Collected Information</h3>
<p>When you visit our website, we automatically collect certain information through cookies and similar technologies:</p>
<ul>
<li>Browser type and version</li>
<li>Operating system</li>
<li>Pages visited and time spent on pages</li>
<li>Referring website</li>
<li>IP address (anonymized)</li>
<li>Device information</li>
</ul>
<h3>Calculator Data</h3>
<p><strong>Important:</strong> All calculator inputs and results are processed entirely in your browser. We do NOT collect, store, or transmit any financial data you enter into our calculators. Your financial information never leaves your device.</p>
<h2>How We Use Your Information</h2>
<p>We use the information we collect to:</p>
<ul>
<li>Provide and improve our calculators and services</li>
<li>Send newsletters and updates (with your consent)</li>
<li>Analyze website usage and performance</li>
<li>Respond to your inquiries and support requests</li>
<li>Prevent fraud and abuse</li>
<li>Comply with legal obligations</li>
</ul>
<h2>Third-Party Services</h2>
<h3>Google Analytics</h3>
<p>We use Google Analytics to understand how visitors use our website. Google Analytics collects information anonymously and reports website trends without identifying individual visitors. You can opt out of Google Analytics by installing the <a href="https://tools.google.com/dlpage/gaoptout" target="_blank" rel="noopener">Google Analytics Opt-out Browser Add-on</a>.</p>
<h3>Google AdSense</h3>
<p>We use Google AdSense to display advertisements on our website. Google may use cookies to serve ads based on your prior visits to our website or other websites. You can opt out of personalized advertising by visiting <a href="https://www.google.com/settings/ads" target="_blank" rel="noopener">Google Ads Settings</a>.</p>
<h3>Email Service Provider</h3>
<p>If you subscribe to our newsletter, your email address is stored with our email service provider. We will never sell or share your email address with third parties for their marketing purposes.</p>
<h2>Cookies and Tracking Technologies</h2>
<p>We use cookies and similar tracking technologies to:</p>
<ul>
<li>Remember your preferences</li>
<li>Understand how you use our website</li>
<li>Serve relevant advertisements</li>
<li>Analyze traffic and user behavior</li>
</ul>
<p>You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.</p>
<h2>Data Security</h2>
<p>We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.</p>
<h2>Your Rights</h2>
<p>Depending on your location, you may have the following rights regarding your personal information:</p>
<ul>
<li><strong>Access:</strong> Request a copy of the personal information we hold about you</li>
<li><strong>Correction:</strong> Request correction of inaccurate or incomplete information</li>
<li><strong>Deletion:</strong> Request deletion of your personal information</li>
<li><strong>Objection:</strong> Object to our processing of your personal information</li>
<li><strong>Withdrawal:</strong> Withdraw consent for data processing at any time</li>
</ul>
<p>To exercise any of these rights, please contact us at fireplanner.contact@gmail.com.</p>
<h2>Children's Privacy</h2>
<p>Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.</p>
<h2>International Users</h2>
<p>If you are visiting from outside the United States, please note that your information may be transferred to, stored, and processed in the United States where our servers are located. By using our website, you consent to this transfer.</p>
<h2>Links to Other Websites</h2>
<p>Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review the privacy policies of any website you visit.</p>
<h2>California Privacy Rights</h2>
<p>If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):</p>
<ul>
<li>Right to know what personal information is collected</li>
<li>Right to know whether personal information is sold or disclosed</li>
<li>Right to opt-out of the sale of personal information</li>
<li>Right to deletion of personal information</li>
<li>Right to non-discrimination for exercising your rights</li>
</ul>
<h2>Changes to This Privacy Policy</h2>
<p>We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.</p>
<h2>Contact Us</h2>
<p>If you have any questions about this Privacy Policy or our privacy practices, please contact us:</p>
<p>
<strong>Email:</strong> fireplanner.contact@gmail.com<br>
<strong>Website:</strong> <a href="https://fireplanner.org">fireplanner.org</a>
</p>
<h2>Consent</h2>
<p>By using our website, you consent to our Privacy Policy and agree to its terms.</p>
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