Legal
⚠️ This summary is for convenience only and is not legally binding. The full policy below contains the complete terms.
RetireIQ is a product operated by Hirevo Inc., an Alberta corporation. This Privacy Policy describes how Hirevo Inc. ("Company", "we", "us", or "our") collects, uses, and protects information when you use the RetireIQ platform - including the RetireIQ web application and related services at RetireIQ.ca.
Depending on your settings, your retirement planning data may stay on your device (local storage) or be stored in our cloud when you enable sync. The sections below explain what we collect in each mode, how we use it to operate RetireIQ, who may receive it, and the safeguards we apply. Questions? Contact us at [email protected].
In Short: Through the RetireIQ platform, we collect what is necessary to operate your account and, if you choose cloud sync, to store your plan online. We also operate first-party cookieless analytics for site usage and conversion measurement. Local-only users' financial plan data never reaches our servers.
When you create an account, we collect your name, email address, and authentication information (including a hashed password). We do not store passwords in plaintext. We do not collect your phone number or other identifying information unless you voluntarily provide it when contacting support.
RetireIQ supports two storage modes. What we collect depends on which you choose:
LocalStorage used for product functionality (such as local/guest plan data and application preferences) is separate from the temporary sessionStorage used for first-party analytics, described below.
If you purchase a Premium subscription, your payment details are processed directly by our third-party payment provider (Stripe). We receive only a confirmation of successful payment and a subscription status. We do not store or access your payment card details.
When you begin Premium checkout, RetireIQ may send limited sanitized marketing attribution information to Stripe - such as traffic source, UTM campaign information, and landing-page attribution - so we can attribute completed Premium purchases in our first-party analytics. This attribution is separate from the account and payment information Stripe receives to process the transaction. RetireIQ does not include retirement-plan financial contents in this analytics attribution.
RetireIQ uses first-party, cookieless analytics to understand how visitors use the public website, measure conversion and signup activity, and improve the service.
We may record limited analytics events such as public page visits, traffic source, landing page, button or call-to-action interactions, signup funnel milestones, first-plan milestones, and Premium purchase completion.
These analytics events are stored in RetireIQ's own systems and are not sent to third-party analytics platforms such as Google Analytics, Google Tag Manager, Meta Pixel, Microsoft Clarity, Hotjar, or similar services. RetireIQ currently does not use those third-party analytics or session-recording platforms.
Our first-party analytics system is designed not to collect or store name, email address, account/user ID, plan ID, date of birth, income, assets, expenses, CPP values, OAS values, pension amounts, debts, retirement-plan contents, or payment/card information. Account, planner, cloud-storage, and payment features may still process some of these categories where they are needed for those product functions - that processing is separate from analytics.
For analytics, RetireIQ may use temporary browser sessionStorage for anonymous session identification, first-touch traffic and UTM attribution, and duplicate-event prevention. This storage is scoped to the browser tab or session and normally disappears when the tab or session ends. It is not an analytics cookie.
We may also retain general technical or error logs needed to operate and secure the service. Those logs are separate from first-party analytics events.
RetireIQ may use cookies that are necessary to operate and secure the service. These may include authentication and session cookies, cookies used for CSRF or other security functionality, Cloudflare security or bot-management cookies, and an application cookie used to remember which plan is active for signed-in users. The active-plan cookie may remain for up to one year.
These cookies are not used by RetireIQ's first-party analytics system and are not used by RetireIQ for cross-site advertising. Cookie lifetimes vary by purpose.
We do not collect sensitive personal information beyond what you choose to enter in your plan.
In Short: Hirevo Inc. uses your information to operate RetireIQ - managing your account, syncing your plan when cloud storage is enabled, improving the platform, measuring site and conversion activity with first-party analytics, and providing optional features. Local-only plan data never reaches us.
Creating and maintaining your account and Premium subscription, processing payments, and sending account-related communications (no marketing emails).
When cloud sync is enabled, we store, retrieve, and synchronize your plan data so you can access it from signed-in devices.
Using limited first-party analytics events - without direct account identifiers or retirement-plan contents - to understand how the public site and product funnel are used and where improvements can be made.
When you choose to use the AI Plan Review feature, your plan data is transmitted to our AI provider for that specific request only. See Section 5 for full details.
Protecting the integrity of accounts and detecting unauthorized access.
Processing your information as required by applicable legal obligations.
In Short: We only process your information when we have a valid legal reason to do so.
If you are located in Canada, we process your information in accordance with PIPEDA and applicable provincial privacy legislation.
In Short: We share only what is necessary to operate the service. Local-only plan data is never shared because we do not have it. First-party analytics events are not sent to third-party analytics platforms.
We do not sell, rent, or trade your information to any third party for marketing purposes. RetireIQ currently does not share analytics events with third-party analytics or session-recording platforms such as Google Analytics, Google Tag Manager, Meta Pixel, Microsoft Clarity, or Hotjar.
In Short: AI features are optional. When used, your plan data is sent to our AI provider for that request only and is not retained by us.
RetireIQ Pro includes an AI Plan Review feature powered by Claude (Anthropic). When you choose to use this feature:
We encourage you to review Anthropic's privacy policy at anthropic.com/privacy.
In Short: Account and cloud plan data is kept while your account is active. Local-only data exists only on your device. Raw first-party analytics events are generally retained for 90 days.
Inactive Premium accounts will be automatically deactivated after 12 months of no login activity and permanently deleted after an additional 6 months.
In Short: Hirevo Inc. protects information on the RetireIQ platform with technical and organizational safeguards. Local-only data stays on your device; cloud and account data are protected by encryption, access controls, and secure hosting.
We implement reasonable technical and organizational security measures to protect account and cloud-stored information collected through RetireIQ, including encrypted connections (HTTPS), hashed password storage, and access controls on our infrastructure.
If you use local browser storage, your financial planning data never leaves your device - the most effective protection for users who prefer that mode. If you use cloud sync through RetireIQ, your data is transmitted and stored over encrypted connections; you are responsible for keeping your account credentials confidential.
No internet transmission can be guaranteed 100% secure. You should use RetireIQ only on devices and networks you trust.
In Short: No. RetireIQ is for adults only.
We do not knowingly collect information from anyone under 18 years of age. By using RetireIQ, you confirm you are at least 18 years old. If we become aware that a minor has created an account, we will delete it promptly.
In Short: You have the right to access, correct, delete, and export your data.
Depending on your location, you may have the right to:
To exercise these rights, contact us at [email protected] or delete your account directly from the app's Account settings.
We do not currently respond to Do-Not-Track browser signals as no uniform standard has been finalized. We do not engage in cross-site tracking. RetireIQ currently does not use third-party analytics or advertising pixels that track you across other websites.
We may update this Privacy Policy as required by law or as our services evolve. Material changes will be communicated via email to Premium subscribers or by a notice in the app.
For questions, concerns, or to exercise your privacy rights:
Hirevo Inc.
[email protected]
See also our Terms of Service.