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 only what is necessary to operate your account and, if you choose cloud sync, to store your plan online. Local-only users' financial data never reaches our servers.
When you create a Premium account, we collect your email address and a hashed password. We do not collect your name, phone number, or any other identifying information unless you voluntarily provide it when contacting support.
RetireIQ supports two storage modes. What we collect depends on which you choose:
If you purchase a Premium subscription, your payment details are processed directly by our third-party payment provider. We receive only a confirmation of successful payment and a subscription status. We do not store or access your payment card details.
We may collect basic, anonymized usage information such as which features are accessed and general error logs. This data does not include your financial planning inputs in local-only mode and cannot be linked back to you individually in aggregated form.
We use strictly necessary security cookies required for the secure operation of our website. These cookies contain no personal information, expire within 60 seconds, and cannot be used to track you across websites.
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, and providing optional features. Local-only data never reaches us.
Creating and maintaining your 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 anonymized, aggregated usage data to understand how features 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.
We do not sell, rent, or trade your information to any third party for marketing purposes.
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.
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.
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.