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Privacy Policy

Last Updated: 11/16/2025

1. Introduction

FIRE Journey ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial independence tracking service.

2. Information We Collect

Personal Information

We collect information you provide directly to us, such as:

  • Account information (email address, username)
  • Profile information (age, life expectancy estimates for planning purposes)
  • Financial goals and preferences
  • Communication preferences

Financial Information

Through our integration with Plaid and direct user input, we may collect:

  • Account balances and transactions
  • Investment holdings and performance
  • Income and expense data
  • Asset and liability information

Automatically Collected Information

When you use our Service, we automatically collect:

  • Device and browser information
  • IP address and location data
  • Usage data and analytics (via PostHog)
  • Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information to:

  • Provide and maintain our Service
  • Calculate your financial independence projections
  • Run Monte Carlo simulations for retirement planning
  • Track your progress toward financial goals
  • Send you updates and notifications about your account
  • Improve and optimize our Service
  • Comply with legal obligations

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information. We may share your information only in the following situations:

Service Providers

  • Plaid: For secure bank account connections and financial data aggregation
  • Stripe: For payment processing
  • PostHog: For analytics and product improvements
  • Database providers: For secure data storage

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information. These measures include:

  • Encryption of data in transit and at rest
  • Regular security assessments and updates
  • Access controls and authentication
  • Secure infrastructure providers

However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

Access and Update

You can access and update your personal information through your account settings.

Delete Your Account

You can request deletion of your account and associated data by contacting support.

Disconnect Financial Accounts

You can disconnect linked financial accounts at any time through your account settings.

Opt-Out

You can opt-out of certain communications and data collection through your account preferences.

7. Data Retention

We retain your personal information for as long as necessary to provide you with our Service and as described in this Privacy Policy. We may also retain and use your information to comply with legal obligations, resolve disputes, and enforce our agreements.

8. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18.

9. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ from those of your jurisdiction.

10. California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

  • Know what personal information we collect, use, and disclose
  • Request deletion of your personal information
  • Opt-out of the sale of personal information (we do not sell personal information)
  • Non-discrimination for exercising your privacy rights

11. European Privacy Rights (GDPR)

If you are a European resident, you have the right to:

  • Access your personal data
  • Rectify inaccurate personal data
  • Request erasure of your personal data
  • Object to processing of your personal data
  • Data portability
  • Withdraw consent

12. 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 "Last updated" date.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us through our Support page.