Introduction and Scope of this Policy
Welcome to the Free Annuity Calculator – Estimate Your Retirement Income (the “Service,” “Website,” “We,” “Us,” or “Our”). We are committed to protecting the user privacy and the security of the personally identifiable information (PII) that may be collected or processed during your use of our valuable retirement planning tool. This comprehensive Privacy Policy outlines our practices regarding the collection, use, and disclosure of data when you use our website, in compliance with key data privacy regulations such as the General Data Protection Regulation (GDPR compliance) and the California Consumer Privacy Act (CCPA compliance).
We understand that trust is paramount when dealing with financial matters. This policy is designed to be transparent about our data processing activities. By accessing or using the Service, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree with our policies and practices, your choice is not to use our Service.
Information We Collect
Our primary function is a non-storage calculation tool. Therefore, our approach to data collection is divided into two main categories:
A. Data Submitted to the Calculator (Crucial Non-Stored Information)
The Annuity Calculator is designed to perform complex financial modeling calculations in real-time within your web browser.
We categorically state that we DO NOT collect, store, retain, or transmit any of the financial or personal parameters you input into the calculator fields. This includes:
- Current Age or Projected Retirement Age.
- Initial Deposit or Current Savings Balance.
- Monthly or Annual Contribution Amount.
- Expected Rate of Return or Interest Rate.
- Inflation Rate or Tax Rate.
This sensitive data remains solely on your device and is discarded once the browser session ends or the calculation is complete. Your calculated retirement income estimate is a private output generated specifically for you and is not associated with any record on our servers. This design choice provides an exceptionally high degree of data security for your hypothetical financial data.
B. Automatically Collected Usage Data and Tracking
When you access and use the Service, we automatically collect certain information that your browser sends, known as Usage Data. This information is purely technical and non-personal in nature, used primarily for web analytics and site improvement. This may include:
- IP Address: Your device’s Internet Protocol address.
- Browser and Device Information: Browser type, version, operating system, and device identifiers (e.g., mobile or desktop).
- Access Times: The time and date of your visit.
- Navigation Data: Pages viewed, the time spent on those pages, and the sequence of clicks within the site.
- Referring/Exit Pages: The website you visited before and after ours.
Cookie Policy and Tracking Technologies
We use cookies and similar tracking technologies (such as beacons, tags, and scripts) to track activity on our Service and hold certain information. Cookies are small data files placed on your computer, mobile device, or other device by our website.
| Type of Cookie | Purpose |
| Strictly Necessary Cookies | Essential for you to browse the Website and use its basic features, such as calculation functionality. |
| Performance/Analytics Cookies | Used to collect information about how users interact with the Website (e.g., Google Analytics). This helps us measure, analyze, and improve the site’s performance and the effectiveness of the retirement planning tools. |
| Functionality Cookies | Used to remember choices you make (such as language preference or region) to provide a more personalized experience. |
You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline them if you prefer. However, disabling cookies may impact the performance and functionality of the annuity calculator.
How We Use the Data
We use the collected Usage Data (as described in Section 2.B) for the following business purposes:
- Service Operation: To maintain and monitor the functionality of the Website and ensure the calculator loads correctly.
- Service Improvement: To analyze traffic, user behavior, and site performance to enhance the user experience and optimize the calculation interface.
- Security: To detect, prevent, and address technical issues or fraudulent activity, thereby ensuring robust data security for our infrastructure.
- Compliance: To meet any applicable legal obligations, resolve disputes, and enforce our agreements.
Disclosure and Sharing of Information
We value your data confidentiality. We do not sell, trade, or rent your Usage Data to third parties for their independent marketing or promotional purposes. We may share information only in the following limited circumstances:
- With Third-Party Service Providers: We may employ third-party companies and individuals to facilitate our Service, to provide the Service on our behalf, or to assist us in analyzing how our Service is used. These third parties (e.g., Google Analytics) have access to your Usage Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
- For Legal Requirements: We may disclose your Usage Data in the good faith belief that such action is necessary to comply with a legal obligation, protect and defend the rights or property of the Service, prevent or investigate possible wrongdoing in connection with the Service, or protect the personal safety of users or the public.
- Business Transfers: If we are involved in a merger, acquisition, or asset sale, your Usage Data may be transferred. We will provide notice before your Usage Data is transferred and becomes subject to a different Privacy Policy.
Data Subject Rights (GDPR and CCPA)
Depending on your jurisdiction, you may have specific rights regarding your personal data (Usage Data). Since we do not store PII entered into the calculator, these rights primarily relate to the automatically collected Usage Data:
- The Right to Access: The right to request copies of your Usage Data we hold.
- The Right to Rectification: The right to request that we correct any information you believe is inaccurate or incomplete.
- The Right to Erasure (The Right to be Forgotten): The right to request that we erase your personal Usage Data, under certain conditions.
- The Right to Object to Processing: The right to object to our processing of your Usage Data, under certain conditions.
- The Right to Data Portability: The right to request that we transfer the Usage Data we have collected to another organization, or directly to you, under certain conditions.
To exercise any of these data subject rights, please contact us using the information provided below. We will respond to your request within the timeframe required by applicable law.
Security of Data
The data security of your information is important to us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Usage Data, we cannot guarantee its absolute security. We implement standard security measures, including SSL encryption and secure server management, to protect against the unauthorized access, alteration, disclosure, or destruction of data.
Children’s Privacy (COPPA Compliance)
Our Service is not directed to anyone under the age of 13 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your Children have provided us with personal data, please contact us. If we become aware that we have collected personal data from children without verification of parental consent, we take steps to remove that information from our servers.
Third-Party Links
Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services, including those pertaining to other financial modeling or retirement planning services.
Changes to This Privacy Policy
We may update our 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 “Effective Date” at the top of this Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. Your continued use of the Service following the posting of changes constitutes your acceptance of such changes.
Contact Us
If you have any questions about this Privacy Policy, our data processing practices, or wish to exercise your data subject rights, please contact us at:
Email: privacy@tinkpro.com