Privacy Policy

1. Who we are

This website and the AI Retirement Income Planner are made by WebNomad Studio, an independent developer and tool builder ("we", "us", "our"). If you have any question about privacy or your data, email dev@webnomad.org — a real person reads it.

This policy covers the website at this domain and the planner application you may purchase and download. It does not cover third‑party sites or services we link to, which have their own privacy policies (see Section 7).

2. The planner app: your data stays with you

The planner is a single, self‑contained file that runs entirely in your own browser. We want to be very clear about what this means for your privacy:

• Nothing is uploaded to us. The figures you enter — income, savings, ages, scenarios — are stored only in your browser's local storage on your own device, or in backup files you choose to export. We have no server that receives, stores, or sees your plan.
• No account, no sign‑up. You don't create a login, and we don't hold a profile about you.
• No bank or brokerage connections. The planner never links to your financial accounts.
• Optional AI features run under your own key. If you choose to use the AI co‑pilot, it is called directly from your browser using an AI provider key that you supply. Those requests go from your browser to that provider under their privacy terms — they do not pass through us. The AI features are entirely optional and the planner works fully without them.
• You're in control of your files. Exporting a JSON backup or a PDF report creates a file on your device. What you do with that file — where you store it or who you share it with — is up to you.

3. Information we collect on this website

This marketing website collects a small amount of information, in three ways:

a. When you contact us

If you use the contact form, you provide your name, email address, an optional subject, and your message. We use this only to reply to you and to keep a record of our correspondence. The message is delivered to us by email through our email‑sending provider, and a confirmation copy is sent back to your address. You can also email us directly instead of using the form.

b. Analytics and usage data

Like most websites, we use analytics tools to understand how visitors find and use the site — for example, which pages are popular and which features people are interested in. These tools collect technical and usage information such as your approximate location (derived from your IP address), device and browser type, the pages you view, and how you arrived. This data is aggregated and used to improve the site; we don't use it to identify you personally.

c. Server and security logs

Our hosting provider automatically records standard technical information (such as IP address, timestamp, and requested page) for security, performance, and abuse‑prevention purposes.

4. How we use your information

• To respond to your enquiries and provide support.
• To operate, secure, and maintain the website.
• To understand traffic and improve our content and products.
• To comply with legal obligations where they apply.

We do not sell your personal information, and we don't share it with third parties except the service providers we rely on to run the site (listed below) or where required by law.

5. Cookies and tracking technologies

This website uses cookies and similar technologies for two purposes: to remember your display preferences (such as dark mode and your chosen colour theme, which are stored locally in your browser), and — only with your consent — to power the analytics described above.

You're asked first. When you first visit, a cookie banner lets you accept or decline analytics cookies. Google Analytics and the Meta Pixel are not loaded unless you accept; if you decline, they never run. Your display preferences and other strictly necessary functions don't rely on consent. You can change your mind at any time using the "Cookie settings" link in the footer of any page.

You can also control or delete cookies through your browser settings, and most browsers let you block them entirely — though some site preferences may not be remembered if you do.

6. Purchases are handled by Stripe

Checkout on this site is provided by Stripe, acting as the merchant of record for your purchase. Your payment is processed entirely by Stripe — we never see or handle your card details — and your transaction is governed by Stripe's own privacy policy. Stripe also calculates and remits any applicable sales tax or VAT, and emails your receipt. We only receive the information needed to fulfil and support your order (such as your email address and what you bought), and your download page verifies your purchase with Stripe each time it is used.

7. Third‑party services we use

To run this site we rely on a small number of reputable service providers, each with its own privacy policy:

• Our hosting and analytics platform — serving the website and providing privacy‑oriented traffic analytics.
• Google Analytics — website usage analytics.
• Meta (Facebook) Pixel — measuring the effectiveness of any advertising and understanding visitor interest.
• Our email delivery provider — delivering contact‑form messages and confirmations.
• Stripe — payments, checkout, receipts and order fulfilment, as described above.

These providers process data on our behalf or as independent controllers under their own terms. We encourage you to review their policies if you'd like more detail.

8. How long we keep information

We keep contact‑form correspondence for as long as needed to handle your request and for a reasonable period afterwards for our records, then delete it. Analytics data is retained according to our analytics providers' standard retention settings. You can ask us to delete correspondence you've sent us at any time.

9. Your privacy rights

Depending on where you live, you may have rights over the personal information we hold about you — typically including the right to access it, to ask us to correct or delete it, to object to or restrict certain processing, and to opt out of analytics or marketing cookies. Because the planner stores your financial data only on your own device, you can exercise full control over that data yourself simply by editing, exporting, or clearing it in your browser.

To make a request about any personal information we hold (for example, contact‑form messages), email dev@webnomad.org and we'll respond.

10. Children's privacy

Our products and this website are intended for adults planning their finances. They are not directed at children, and we do not knowingly collect personal information from children.

11. Security

We take reasonable measures to protect the limited information we handle, and we deliberately minimise what we collect. The strongest privacy protection in the planner is by design: your financial plan stays on your device and is never transmitted to us. No method of storage or transmission is ever completely secure, but keeping data local removes most of the risk.

12. Links to other websites

Our site links to external sites such as Stripe (our checkout) and our social media profiles. We're not responsible for the privacy practices of those sites; please review their policies before sharing information with them.

13. Changes to this policy

We may update this policy from time to time — for example, if we add a feature or change a service provider. When we do, we'll revise the "Last updated" date at the top of this page. Significant changes will be made clear here.

14. Contact us

Questions, concerns, or requests about your privacy? Email dev@webnomad.org or use our contact form. We aim to reply within one business day.