Privacy Policy

Our Commitment to Your Privacy

At Is It Time Yet?, privacy isn't just a policy—it's a core design principle. We built this retirement planning tool specifically to give you control over your financial data without requiring access to your actual accounts.

Information We Collect

Account Information

When you create an account, we collect:

• Email address (for login and account recovery)
• Password (stored securely using industry-standard hashing)
• Display name (optional)

Financial Planning Data

To provide retirement projections, you may enter information such as:

• Estimated account balances (401k, IRA, brokerage, etc.)
• Expected income sources (Social Security estimates, pensions, etc.)
• Retirement age and spending assumptions
• Asset allocation preferences

Usage Information

We automatically collect:

• Log data (IP address, browser type, pages visited)
• Device information (operating system, device type)
• Usage patterns (features used, scenarios created)

How We Use Your Information

We use your information to:

• Provide the service: Generate retirement projections, run simulations, and save your scenarios
• Improve the product: Understand how features are used to make them better
• Communicate with you: Send account-related emails and (if you opt in) product updates
• Process payments: For paid plans, we use Stripe to handle billing securely
• Ensure security: Detect and prevent fraud or unauthorized access

What We Don't Do

When We Share Information

We only share your information in these limited circumstances:

• Service providers: We use trusted third parties for hosting (Microsoft Azure), payment processing (Stripe), and email delivery. These providers are contractually bound to protect your data.
• Legal requirements: If required by law, subpoena, or court order.
• Business transfers: If our company is acquired, your data may transfer to the new owner under the same privacy protections.
• With your consent: For any other sharing, we'll ask you first.

Data Security

We protect your data with:

• Encryption in transit (TLS/HTTPS) and at rest
• Secure password hashing (we can't see your password)
• Regular security updates and monitoring
• Access controls limiting who can access systems
• Two-factor authentication option for your account

No system is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security of your data.

Data Retention

We retain your account and planning data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where we're required to retain it for legal or compliance purposes.

Your Rights

You have the right to:

• Access: Request a copy of your data
• Correct: Update inaccurate information
• Delete: Request deletion of your account and data
• Export: Download your planning data
• Opt out: Unsubscribe from marketing emails

To exercise these rights, contact us at privacy@isittimeyet.com.

Cookies

We use essential cookies to keep you logged in and remember your preferences. We use analytics cookies to understand how the site is used. We don't use advertising or tracking cookies from third parties.

Children's Privacy

Is It Time Yet? is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Policy

We may update this privacy policy from time to time. We'll notify you of significant changes by email or by posting a notice on our website. Your continued use of the service after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this privacy policy or our data practices, contact us at:

Email: privacy@isittimeyet.com