Privacy Policy

1.1 Information You Provide Directly

This may include:

• Account and contact information: Name, email address, username, password, mailing address, and phone number (if provided)
• Profile and demographic information: Age or age range, employment or career stage, high-level financial status indicators, and general health self-assessments
• Assessment and reflection data: Responses to the six-dimension assessment, written reflections, journal entries, and audio or video content you voluntarily record or upload
• Communications with us: Support inquiries, feedback, surveys, and responses to research or beta testing programs
• Billing and payment information: Payment card information processed by our payment processor, billing address, and transaction history

1.2 Information Collected Automatically

When you use the Platform, we may automatically collect:

• Device and usage information: IP address, browser type and version, device identifiers, pages or screens viewed, links clicked, time spent, and timestamps of logins and key activities
• Cookies and similar technologies: We use cookies, web beacons, and similar technologies to remember preferences, keep you logged in, analyze usage, and support security and fraud prevention

You can manage cookie preferences through your browser settings, but some features may not function properly if cookies are disabled.

1.3 Inferred and Derived Data

We generate additional information based on:

• Your assessment responses and reflections
• Completion of suggested tasks or experiments
• Engagement patterns (frequency and duration of use)
• Language and sentiment analysis of your entries

This includes engagement metrics, approximate classification of your retirement readiness dimensions, and coaching segments used internally to tailor content. This processing is described in detail in our Consent to Behavioral Data Processing.

2.1 To Provide and Improve the Platform

• Create and manage your account
• Deliver the six-dimension assessment and ongoing AI coaching
• Personalize prompts, suggestions, and content
• Maintain and improve the functionality, security, and performance

2.2 To Communicate With You

• Send service-related emails (account notifications, security alerts)
• Respond to inquiries, feedback, or support requests
• Provide educational materials and optional newsletters

2.3 To Conduct Analytics and Research

• Analyze usage patterns to understand user interactions
• Evaluate and improve AI performance and coaching methodologies
• Develop aggregated insights for internal use

2.4 To Build and Use the Pattern Library

• Create de-identified, aggregated data sets to enhance our models
• Support statistical analyses, benchmarking, and internal research
• Inform future product development

2.5 For Security, Compliance, and Legal Purposes

• Protect the security and integrity of the Platform
• Detect, prevent, or investigate fraud, abuse, or unlawful activity
• Comply with legal obligations and regulatory requirements
• Enforce our Terms and other agreements

4.1 Service Providers

We share personal information with trusted service providers who perform services on our behalf, including:

• Cloud hosting and data storage providers
• Payment processors
• Analytics providers
• Email and communication service providers
• Security and fraud detection vendors

4.2 Legal Requirements and Compliance

We may disclose your personal information if required by law, regulation, legal process (such as a subpoena), or where we have a good-faith belief that such disclosure is necessary to comply with legal obligations, protect our rights, or protect your safety.

4.3 De-Identified and Aggregated Data

We may share de-identified, aggregated data with third parties for research, benchmarking, and product development purposes. This data cannot reasonably identify you. This practice is governed by your Consent to De-Identified Data Use (Pattern Library).

4.4 Business Transfers

If we are acquired, merged, or sell substantially all of our assets, your information may be transferred as part of that transaction. We will provide notice to you in accordance with applicable law.

4.5 Mobile Phone Numbers and SMS/Text Messaging

If you provide a mobile phone number and opt in to receive coaching messages by text, we use your number only to deliver the SMS messages you requested. Your mobile phone number, and your SMS opt-in and consent information, are never sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

We share your mobile number only with the messaging provider (such as Twilio) that transmits these texts on our behalf, and only as needed to deliver them. You can stop receiving texts at any time by replying STOP, or by turning off text notifications in your account settings. Message and data rates may apply.

7.1 Data Retention

We retain personal information for as long as necessary to provide the Platform, comply with legal obligations, resolve disputes, and enforce our agreements. Specifically:

• Account information is retained as long as your account is active
• Assessment data and reflections are retained for your access during your subscription
• De-identified, aggregated data may be retained indefinitely
• Payment records are retained for accounting and compliance purposes

7.2 Security

We implement industry-standard administrative, technical, and physical safeguards to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption in transit and at rest
• Access controls and authentication
• Regular security audits and testing
• Employee training and confidentiality agreements

However, no security system is absolutely secure. While we strive to protect your information, we cannot guarantee the absolute security of your personal information transmitted over the internet.

7.3 Data Breach Notification

In the event of a data breach involving your personal information, we will notify you without unreasonable delay, in accordance with applicable law. Notification will include information about the breach, the types of information involved, and the steps we are taking to address the breach and prevent future incidents.