Privacy Policy

1. About This Policy

This Privacy Policy describes how RetireCalm ("we," "us," or "our") handles information in connection with our mobile application and website (collectively, the "Service"). We are committed to protecting your privacy and being transparent about our practices.

By using RetireCalm, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of the app.

2. Information We Do Not Collect

RetireCalm is designed as a privacy-first application. We do not collect, store, transmit, or process any of the following:

• Your name, email address, or any contact information
• Your Social Security number or financial account information
• Your location or GPS data
• Your device contacts, photos, or camera
• Your health or medical information
• Browsing history or search queries within the app
• Any data you enter into calculators or tools within the app

3. Information That May Be Automatically Collected

Like most mobile applications, certain limited technical information may be automatically collected by the app stores and device operating systems we operate on. This is outside our direct control and includes:

Apple App Store / Google Play

• Download and installation data (handled by Apple/Google, not by us)
• App crash reports (anonymous, used to improve stability)
• Aggregate usage statistics provided by app store platforms (no personally identifiable information)

What We Do With This Information

To the extent we receive any anonymous aggregate data from app store platforms, we use it solely to understand general usage patterns and improve the app. We do not attempt to identify individual users from this data.

4. External Links

RetireCalm contains links to external websites and resources operated by trusted third parties, including but not limited to:

• Social Security Administration (ssa.gov)
• Internal Revenue Service (irs.gov)
• Medicare.gov
• National Institutes of Health (nih.gov)
• Mayo Clinic (mayoclinic.org)
• AARP (aarp.org)
• National Council on Aging (ncoa.org)

When you tap a link and leave RetireCalm, you are subject to the privacy policy of the destination website. We encourage you to review the privacy policies of any external sites you visit. RetireCalm is not responsible for the privacy practices or content of these third-party sites.

5. Children's Privacy

RetireCalm is designed for adults ages 60 and older. We do not knowingly collect any information from children under the age of 13. If you believe a child has provided us with personal information, please contact us immediately at the address below and we will take steps to delete such information.

6. Data Security

Because RetireCalm does not collect or store your personal information on our servers, the primary security responsibility lies with your own device. We recommend:

• Keeping your device operating system updated
• Using a device passcode or biometric lock
• Being cautious on public Wi-Fi networks when accessing any financial information

7. Purchases

RetireCalm is a paid app available for a one-time purchase of $2.99. All payment processing is handled exclusively by Apple (App Store) or Google (Google Play). RetireCalm does not receive, store, or process any payment card information. Your purchase is governed by the payment terms of the respective app store.

8. Your Rights

Since we do not collect personal information, there is generally no personal data to access, correct, or delete. However, you have the following rights:

• Delete the app: Uninstalling RetireCalm removes it and any locally stored preferences from your device
• Contact us: If you have any questions about your privacy, you may contact us at the address below
• California residents: Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding personal information. Since we do not collect personal information, these rights do not apply in a traditional sense, but we respect your right to inquiry

9. Disclaimer — Not Professional Advice

RetireCalm provides general educational information about retirement planning, health, and lifestyle. Nothing in this app constitutes:

• Financial advice or investment recommendations
• Medical advice or diagnosis
• Legal advice
• Tax advice

Always consult a licensed financial advisor, physician, attorney, or tax professional for guidance specific to your personal situation. RetireCalm is not responsible for any decisions made based on information provided in the app.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal reasons. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

Continued use of RetireCalm after any changes to this policy constitutes your acceptance of the updated terms.