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Privacy Policy

Last Updated: August 11, 2026

1. Introduction

FIRE Journey ("we," "our," or "us") helps you plan for financial independence, which means you trust us with sensitive financial information. This Privacy Policy explains what we collect, how we use it, who we share it with, and the choices you have. It applies to our website, web app, and mobile app.

2. Information We Collect

Information You Provide

  • Account information: email address, name, and password (or passkey), plus optional two-factor authentication details
  • Profile and planning information: birth year, location (country, state, postal code), household details, income, expenses, savings, retirement assumptions, and financial goals
  • Manually entered financial data: account balances, holdings, and transactions
  • Messages you send to our AI assistant or to support, and optional survey responses

Linked Account Data

If you connect financial accounts through Plaid or Coinbase, we receive read-only data from those providers, including account balances, holdings, and transaction history. We never see or store your bank credentials; authentication happens directly with the provider, and the access tokens we hold are encrypted at rest.

Automatically Collected Information

  • Device and browser information, IP address, and approximate location
  • Usage data such as pages visited and features used (via PostHog)
  • Error and crash reports (via Sentry)
  • Cookies and similar technologies, described in our Cookie Policy

3. How We Use Your Information

  • Provide the Service: sync accounts, categorize transactions, and compute projections, simulations, and progress toward your goals
  • Authenticate you and secure your account, including detecting sign-ins from unrecognized devices
  • Process subscription payments and manage your plan tier
  • Send transactional email (verification, security codes) and, if enabled, notification and progress emails you can unsubscribe from at any time
  • Understand feature usage and fix errors to improve the Service
  • Comply with legal obligations

We do not sell your personal information, and we do not use your financial data for advertising.

4. AI Features

When you use the AI assistant, your messages and relevant parts of your plan (such as balances, goals, and projections) are sent to third-party large language model providers via OpenRouter to generate responses. This happens only when you use AI features. We do not use your data to train AI models.

5. Sharing Your Information

We share personal information only with the service providers below (each acting on our behalf), with people you choose, or when required by law:

Service Providers

  • Plaid: connects your bank and brokerage accounts and supplies balance and transaction data
  • Coinbase: connects your crypto accounts you choose to link
  • Stripe: processes subscription payments; we never store full card details
  • PostHog: product analytics
  • Sentry: error and crash reporting
  • Resend: email delivery
  • OpenRouter: AI model routing for the AI assistant
  • Hosting and infrastructure providers: cloud hosting, database, and file storage for the Service

Household Members

If you invite someone to your household, they can see the plans and financial data shared with that household. You control who is in your household and can remove members at any time.

Legal Requirements

We may disclose information if required by law, legal process, or a valid request from public authorities, or to protect the rights, safety, and security of FIRE Journey, our users, or others.

6. Data Security

We protect your information with measures including:

  • Encryption in transit (TLS) and encryption of sensitive data such as financial access tokens at rest
  • Optional two-factor authentication and passkey sign-in, plus email verification for sign-ins from unrecognized devices
  • Read-only financial connections that cannot move money
  • Access controls limiting who and what can reach your data

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If a breach affecting your personal information occurs, we will notify you as required by law.

7. Data Retention

We retain your information for as long as your account is active or as needed to provide the Service, comply with legal obligations, and resolve disputes. When you delete your account, we delete your personal and financial data, except where retention is required by law (for example, billing records). Disconnecting a linked account revokes our access with that provider.

8. Your Rights and Choices

  • Access and update: view and edit your information in your account settings
  • Delete: delete your account and associated data from settings, or by contacting us
  • Disconnect: unlink financial accounts at any time in settings
  • Email preferences: every non-essential email includes a one-click unsubscribe link, and you can manage categories in settings
  • Additional rights: depending on where you live, you may have rights to access, correct, delete, or export your personal information, or to object to certain processing. Contact us to exercise them and we will respond within the time required by applicable law.

9. International Transfers

We are based in the United States and process data there. If you use the Service from outside the United States, your information will be transferred to and processed in the United States, where privacy laws may differ from those in your jurisdiction.

10. Children's Privacy

The Service is not directed to anyone under 18, and we do not knowingly collect personal information from children. If we learn we have collected such information, we will delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post changes on this page with an updated revision date and, for material changes, notify you by email or through the Service.

12. Contact

Questions or requests about your data? Contact us at support@firejourney.app or through the Support page.

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