1. Introduction
myw2exit ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial runway calculator service.
2. Information We Collect
2.1 Information You Provide
When using the Service, you may provide:
- Financial Data: Monthly expenses, income, savings, investments, retirement balances, and other financial figures entered into the calculator
- Account Information: Email address and password if you create an account
- Demographic Data: Age, household size, location (city tier), and employment status for calculation purposes
2.2 Automatically Collected Information
We automatically collect certain information when you use the Service:
- Usage Data: Pages visited, features used, time spent on the Service
- Device Information: Browser type, operating system, device type
- IP Address: Used for rate limiting and security purposes
- Cookies and Local Storage: Essential session/authentication storage plus limited product analytics storage used to understand how the calculator is used
3. How We Use Your Information
| Purpose | Data Used |
|---|---|
| Provide runway calculations | Financial inputs you enter |
| Generate personalized projections | Age, expenses, income, savings |
| Account management | Email, password (hashed) |
| Security and fraud prevention | IP address, usage patterns |
| Service improvement | Aggregated, anonymized usage data |
4. Data Storage and Retention
4.1 Guest Users (No Account)
If you use the calculator without creating an account:
- Your financial inputs are processed in real-time to generate calculations
- Data is transmitted securely but is not permanently stored on our servers
- Session data may be temporarily cached for performance
4.2 Registered Users
If you create an account:
- Saved calculations are stored securely in our database
- You can delete your saved calculations at any time
- Account data is retained until you request deletion
5. Data Security
We implement industry-standard security measures to protect your information:
- Encryption: All data transmitted via HTTPS/TLS encryption
- Password Security: Passwords are hashed using PBKDF2-SHA256 (never stored in plain text)
- Access Controls: Limited access to personal data on a need-to-know basis
- Rate Limiting: Protection against abuse and unauthorized access attempts
6. Data Sharing and Disclosure
We do NOT sell, rent, or trade your personal information. We may share data only in these circumstances:
- Service Providers: Trusted third parties who help operate our Service (e.g., hosting providers), bound by confidentiality agreements
- Legal Requirements: When required by law, court order, or government request
- Safety: To protect the rights, safety, or property of myw2exit or others
- Business Transfer: In connection with a merger, acquisition, or sale of assets (with notice)
7. Third-Party Services
Our Service may use the following third-party services:
- Render: Cloud hosting provider (see Render Privacy Policy)
- Cloudflare: DNS and security services (see Cloudflare Privacy Policy)
- Stripe: Payment processing for premium features (see Stripe Privacy Policy)
- PostHog: Product analytics used to understand feature usage and improve the calculator experience (see PostHog Privacy Notice)
8. Your Rights and Choices
You have the following rights regarding your personal information:
- Access: Request a copy of data we hold about you
- Correction: Update or correct inaccurate information
- Deletion: Request deletion of your account and associated data
- Portability: Receive your data in a portable format
- Browser Controls: Manage or clear cookies and local storage through your browser settings
To exercise these rights, contact us at [email protected].
9. Cookies
We use essential storage for the Service to function and limited analytics storage to improve the product:
- Session Cookies: Maintain your calculator state during a session
- Authentication Cookies: Keep you logged in (if you have an account)
- Analytics Cookies / Local Storage: Help us measure usage patterns and identify product issues through PostHog
We do not use third-party advertising cookies, and we do not sell your personal information.
10. Children's Privacy
The Service is not intended for individuals 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.
11. California Privacy Rights (CCPA)
California residents have additional rights under the CCPA:
- Right to know what personal information is collected
- Right to know if personal information is sold or disclosed
- Right to opt out of the sale of personal information (we do not sell data)
- Right to non-discrimination for exercising privacy rights
12. International Users
The Service is operated from the United States. If you access the Service from outside the US, your information may be transferred to and processed in the United States, which may have different data protection laws than your country.
13. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of material changes by posting the updated policy on this page with a new effective date. Your continued use of the Service after changes constitutes acceptance.
14. Contact Us
For questions, concerns, or requests regarding this Privacy Policy:
Email: [email protected]
Subject Line: Privacy Inquiry