Privacy Policy

This policy explains what information RetireSmarter.ca ("we", "us", "the site") collects, why, and what choices you have. It's written to align with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). By using the site you agree to this policy.

The short version

• Our calculators run entirely in your browser — your inputs aren't sent to us unless you save them.
• You can use almost everything without an account or giving us any personal information.
• We don't run advertising or third-party tracking cookies.
• We never sell your personal information.

What we collect

Calculator inputs (stay on your device)

The numbers you type into a calculator or the retirement planner are processed in your browser. They are not transmitted to our servers and we never see them — unless you take one of the two actions below.

If you create an account (optional)

Accounts are optional and powered by Supabase (our authentication and database provider). If you sign up, we store your email address and authentication identity, plus anything you choose to save — saved scenarios, your financial profile, net-worth entries, and goals. This data is protected so that only your account can read it (row-level security). Your sign-in session is kept in your browser's local storage to keep you logged in.

If you use AI Analysis (optional)

The retirement planner's optional "AI Analysis" feature sends a summary of the scenario you're analyzing (the figures and assumptions, not your name or email) to Anthropic, the provider of the Claude AI model, so it can generate the written analysis. That request is subject to Anthropic's terms and privacy practices. We also keep a small per-user daily counter of AI requests to enforce fair-use limits.

If you subscribe to our newsletter (optional)

If you submit your email to our newsletter, it is stored with MailerLite, our email provider, solely to send you the newsletter. You can unsubscribe at any time using the link in every email. (Note: the newsletter may not yet be active on all pages.)

Server and hosting logs

Like virtually all websites, our hosting and network providers (Vercel and Cloudflare) automatically log standard technical request data — such as IP address, browser type, and the pages requested — for security, abuse prevention, and reliability.

Search Console

We use Google Search Console to understand how the site performs in search. It provides us aggregate, anonymized search statistics and does not place tracking cookies on your visit to this site.

How we use your information

• To provide the calculators, planner, and your saved data.
• To authenticate you and keep your account secure.
• To generate AI analysis when you request it.
• To send the newsletter, if you subscribed.
• To keep the site reliable and protect it from abuse.

We do not sell your personal information, and we do not use it for third-party advertising.

Service providers (subprocessors)

We rely on a small number of trusted providers to run the site:

• Supabase — accounts, authentication, and saved data.
• Anthropic (Claude) — generates AI Analysis from a scenario summary you submit.
• Vercel — website hosting.
• Cloudflare — content delivery and security.
• MailerLite — newsletter delivery (only if you subscribe).

Some of these providers may process or store data outside Canada (for example, in the United States). Where that happens, your information may be subject to the laws of those jurisdictions.

Your choices and rights

Under PIPEDA you can:

• Access the personal information we hold about you.
• Correct information that is inaccurate.
• Delete your account and associated saved data.
• Withdraw consent — for example, unsubscribe from the newsletter at any time.

To make any of these requests, email us at jason@retiresmarter.ca. You can delete most of your data yourself by removing saved items or deleting your account.

Data retention

We keep account data for as long as your account is active. If you delete your account, the associated saved data is removed. Provider logs are retained according to each provider's own retention schedule.

Children

RetireSmarter.ca is intended for adults making financial decisions and is not directed at anyone under 18. We don't knowingly collect personal information from children.

Changes to this policy

We may update this policy from time to time. When we do, we'll revise the "last updated" date at the top. Material changes will be reflected on this page.

Contact

Questions about your privacy or this policy? Email us at jason@retiresmarter.ca.

This policy is provided for transparency and is not legal advice. See also our Terms & Conditions.