Privacy Policy

Our Commitment to Your Privacy

At Occam's Model, we take your privacy seriously. This policy explains what information we collect, how we use it, and your rights regarding your data.

Age Requirement: You must be at least 16 years old to use our service.

Information We Collect

Account Information

• Email address and username
• Name (optional)
• Basic demographic information (age, location, occupation)

Financial Information

• Income sources and amounts
• Expense categories and amounts
• Tax-related information (filing status, deductions)
• Financial goals and targets

Important: We do NOT collect or store:

• Social Security Numbers (SSN)
• Bank account numbers
• Credit card information
• Tax ID numbers (EIN)

How We Use Your Information

We use your information solely to:

• Calculate your Freedom Number and financial projections
• Provide personalized financial planning recommendations
• Save your progress and preferences
• Improve our service and calculations
• Send important account notifications (if opted in)

Data Security

We implement industry-standard security measures to protect your data:

• Encrypted connections (HTTPS/TLS)
• Secure password storage using industry-standard hashing
• Regular security updates and monitoring
• Session timeout for inactive users
• Protection against common web vulnerabilities

Your Rights and Controls

You have complete control over your data:

• Access: View all your data at any time through your account
• Export: Download a complete copy of your data in JSON format
• Correction: Update or correct your information at any time
• Deletion: Permanently delete your account and all associated data

Manage Your Privacy Settings

Data Sharing

We never sell, rent, or share your personal financial data with third parties.

We may share information only in these limited circumstances:

• With your explicit consent
• To comply with legal obligations
• To protect against fraud or security threats
• In aggregate, anonymized form for research (no personal identifiers)

Data Retention

We retain your data as long as your account is active. You can delete your account and all data at any time.

After account deletion:

• All personal data is immediately and permanently deleted
• Anonymized aggregate data may be retained for service improvement
• Audit logs are retained for 90 days for security purposes

Cookies and Tracking

We use minimal cookies necessary for functionality:

• Session cookies: To keep you logged in
• Security cookies: For CSRF protection
• Preference cookies: To remember your settings

We do not use tracking cookies or third-party analytics that could compromise your privacy.

Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any significant changes via email or through the application.