Privacy Policy
1. Scope
This Privacy Policy explains how AGE Management collects, uses, stores, shares, and protects personal information when you use agemanagement.com or myfinancialplanner.biz.
2. Information We Collect
We may collect the following categories of information: - Account information, such as your name, email address, phone number, password hash, account security settings, and verification status. - Planning information, such as household details, birth dates, life expectancy assumptions, income, expenses, savings, debts, properties, retirement holdings, and planning notes. - Uploaded content, such as workbook imports, backups, scenario files, and related metadata. - Technical information, such as IP address, browser type, device information, session identifiers, approximate location derived from IP, and activity logs. - Security and audit information, such as login attempts, password reset requests, two-factor events, account changes, and administrator actions. - Communications, such as emails or support messages you send to us.
3. How We Use Information
We use personal information to: - provide, operate, maintain, secure, and improve the Site; - create and manage accounts; - authenticate users and prevent fraud or misuse; - generate projections, recommendations, and scenario modeling results; - provide customer support; - communicate about account activity, security events, policy updates, and service notices; - comply with legal obligations; and - enforce our Terms and protect our rights, users, and systems.
4. Legal Bases for Processing
Where applicable law requires a legal basis for processing, we rely on one or more of the following: performance of a contract, legitimate interests, compliance with legal obligations, protection against fraud or security threats, and your consent where required.
5. How We Share Information
We do not sell personal information. We may share information: - with service providers who help us host, secure, support, or operate the Site; - with email, SMS, infrastructure, monitoring, and market-data providers as needed to support Site features; - when required by law, subpoena, court order, or lawful request; - to protect rights, safety, property, or security; - in connection with a merger, sale, financing, or transfer of business assets; or - with your direction or consent.
6. Data Retention
We retain personal information for as long as reasonably necessary for the purposes described in this Policy, including account administration, legal compliance, security, dispute resolution, and enforcement. We may retain certain logs, audit records, and backup data for a longer period where reasonably necessary.
7. Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information. These may include password hashing, access controls, session controls, audit logging, transport encryption, rate limiting, and database security measures. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Cookies and Similar Technologies
The Site may use cookies or similar technologies to maintain sessions, remember preferences, support security features, and improve performance. You may be able to limit cookies through your browser, but parts of the Site may not function properly if you do so.
9. User Rights
Depending on your location, you may have rights to access, correct, update, delete, restrict, or object to certain processing of your personal information, or to request a copy of your information. To make a request, contact us at admin@agemanagement.com. We may need to verify your identity before acting on a request.
10. Children
The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, contact us so we can take appropriate steps.
11. International Users
If you access the Site from outside the country where our systems are located, your information may be transferred to, stored in, and processed in another jurisdiction that may have different data protection laws.
12. Do Not Track
The Site does not currently respond to browser Do Not Track signals unless required by applicable law.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be posted on the Site with a revised effective date.
14. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact:
AGE Management
admin@agemanagement.com
15. Effective Date Effective Date:
3/26/2026