Privacy Policy

1. Who We Are

RetireCalm™ is operated by RetireCalm LLC, a New Jersey limited liability company. We provide an educational retirement resource platform at retirecalmapp.com.

For privacy questions, contact us at: support@retirecalmapp.com

2. Information We Collect

We collect minimal personal information. Here is exactly what we collect and why:

Visitors who do not sign up for email communications: we collect no personal information from you whatsoever. No cookies, no tracking pixels, no analytics beyond anonymous aggregate data provided by our hosting platform (Netlify).

3. How We Use Your Email

If you voluntarily provide your email address to receive communications from RetireCalm™, we use it for:

• Retirement Resources — Retirement planning tips, Social Security updates, Medicare enrollment reminders, and curated resources we believe are genuinely helpful.
• Partner Information — Occasional information about vetted financial products and services relevant to retirees, including Medicare insurance options and financial planning tools. These emails will be clearly identified as containing partner information.
• Service Updates — Important updates about RetireCalm™, including new tools, content additions, or updates to these policies.

You may unsubscribe at any time using the unsubscribe link in any email or by contacting support@retirecalmapp.com.

4. Affiliate Links and Third-Party Partners

RetireCalm™ contains affiliate and referral links to third-party services. These links are clearly marked with a "Partner" badge on the website. When you click a Partner link, you are directed to a third-party website.

RetireCalm LLC may receive a referral fee when you click a Partner link and complete a qualifying action (such as requesting a quote, submitting contact information, or enrolling in a service). This fee is paid by the partner company and is at no additional cost to you.

We do not share your personal information with affiliate partners. Clicking a Partner link simply directs your browser to their website. Once you are on their website, their privacy policy governs the collection and use of your information.

Current affiliate partner categories include:

• Medicare insurance comparison services (such as eHealth Medicare, SelectQuote Senior)
• Related financial services for retirees

We also include non-affiliated free resources (such as SHIP — the federally funded Medicare counseling program) and government websites (SSA.gov, Medicare.gov, IRS.gov) which are not affiliate links.

5. How We Store and Protect Your Information

Your email address is stored securely through Netlify Forms, which uses industry-standard encryption and security practices. Payment processing is handled entirely by Stripe, a PCI-DSS compliant payment processor. RetireCalm LLC never stores or has access to your credit card or payment details.

We retain your email address for as long as you have an active paid account with RetireCalm™, or until you request deletion. See Section 8 for your data rights.

6. Cookies and Tracking

RetireCalm™ uses minimal browser storage:

• localStorage — We store a flag on your browser to remember that you have unlocked full access. This data stays on your device and is not transmitted to us.
• Google Analytics — We use Google Analytics (via Google Tag Manager) to collect anonymous aggregate data about site traffic, including page views and general geographic regions. This data does not identify you personally. You can opt out of Google Analytics tracking using the Google Analytics Opt-out Browser Add-on.

We do not use advertising cookies, retargeting pixels, or third-party tracking technologies beyond Google Analytics.

7. Third-Party Services

RetireCalm™ uses the following third-party services to operate:

• Netlify — Website hosting and form submission storage. Netlify Privacy Policy
• Stripe — Payment processing. Stripe Privacy Policy
• Google Analytics — Anonymous site traffic analysis. Google Privacy Policy
• Google Fonts — Font delivery. Google Privacy Policy

8. Your Rights and Data Requests

You have the following rights regarding your personal information:

• Access — Request a copy of the personal information we hold about you
• Correction — Request correction of inaccurate information
• Deletion — Request deletion of your personal information including your email address and subscription.

To exercise any of these rights, contact us at support@retirecalmapp.com. We will respond within 30 days.

9. Children's Privacy

RetireCalm™ is intended for adults aged 55 and older. We do not knowingly collect personal information from anyone under the age of 18. If we become aware that we have collected information from a minor, we will delete it promptly.

10. External Links

RetireCalm™ contains links to external websites including government agencies (SSA.gov, Medicare.gov, IRS.gov, CDC.gov), affiliate partners, and other third-party resources. These external sites have their own privacy policies, and we have no control over their content or practices. We encourage you to review the privacy policy of any site you visit.

11. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or for legal or regulatory reasons. When we make material changes, we will update the "Last Updated" date at the top of this page and, where possible, notify registered users by email. Continued use of the Service after changes constitutes acceptance of the updated policy.