Privacy Policy

1. Introduction

Welcome to FERS Retirement Calculator ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of any information you provide while using our website.

This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website and use our retirement calculator tools.

2. Information We Do NOT Collect

Important: Our calculator operates entirely in your web browser. We do NOT collect, store, or transmit:

• Your name, email address, or contact information
• Social Security numbers or government IDs
• Financial account numbers or banking information
• Employment records or personnel files
• Any personally identifiable information (PII)

All calculations are performed locally on your device, and your input data is never sent to our servers.

3. Local Storage

To improve your user experience, we use your browser's localStorage to:

• Save your calculator inputs so you can return to them later
• Maintain your preferences between sessions

This data is stored only on your device and is not accessible to us or any third parties. You can clear this data at any time through your browser settings.

4. Cookies and Third-Party Services

Google AdSense

We use Google AdSense to display advertisements on our website. Google may use cookies to serve ads based on your prior visits to our website or other websites.

• Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet.
• You may opt out of personalized advertising by visiting Google Ads Settings.

Analytics

We may use anonymous analytics services (such as Google Analytics) to understand how visitors use our website. This helps us improve our tools and content.

• Analytics data is aggregated and anonymized
• No personally identifiable information is collected
• You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on

5. How We Use Information

Since we do not collect personal information, our use of data is limited to:

• Providing calculator functionality (processed locally on your device)
• Improving website performance and user experience
• Displaying relevant advertisements through Google AdSense
• Analyzing aggregate, anonymous usage patterns

6. Data Security

We implement appropriate security measures to protect our website:

• HTTPS encryption for all communications
• Regular security updates and monitoring
• No storage of sensitive user data on our servers

However, no method of transmission over the Internet is 100% secure. We strive to protect your information but cannot guarantee absolute security.

7. Children's Privacy

Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

8. Your Rights

Depending on your location, you may have certain rights regarding your personal information:

• GDPR (European Union): Right to access, rectify, erase, and port your data
• CCPA (California): Right to know what data is collected and request deletion
• Other jurisdictions: Various privacy rights may apply

Since we do not collect personal information, these rights are inherently protected. However, you may request information about any data that may be collected through third-party services (e.g., Google AdSense).

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

We encourage you to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at: