Privacy Policy

Effective Date: January 21, 2026

MaxMy401k, Inc. ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard information when you use our 401(k) optimization calculator and related services.

1. Information We Collect

Free MyMatch Calculator (No Data Collection)

When you use our free MyMatch calculator:

• All calculations are performed locally in your web browser using JavaScript
• Your salary, employer match rates, and budget information are never transmitted to our servers
• We do not use cookies or tracking technologies on embedded versions of our calculator
• We do not create user accounts or profiles for free users

Premium Services (Data Collection)

If you choose to upgrade to premium features, we collect:

Data Type	Purpose	Retention
Email address	Account access, welcome emails, progress updates	Duration of subscription + 1 year
Name (optional)	Personalization of emails and dashboard	Duration of subscription + 1 year
Payment information	Process subscription payments	Handled by Stripe (see below)
Device identifiers	Manage device limits per subscription	Duration of subscription

2. How We Use Information

For premium subscribers, we use your information to:

• Provide access to premium calculator scenarios
• Send transactional emails (welcome, purchase confirmation, progress updates)
• Manage your subscription and device access
• Respond to customer support inquiries

We do not sell, rent, or share your personal information with third parties for marketing purposes.

3. Third-Party Services

We use the following third-party services:

Stripe (Payment Processing)

Payment information is collected and processed directly by Stripe. We never see or store your full credit card number. Stripe's privacy policy: stripe.com/privacy

SendGrid (Email Delivery)

We use SendGrid to deliver transactional emails. SendGrid processes email addresses solely for delivery purposes. SendGrid's privacy policy: sendgrid.com/policies/privacy

Google Analytics (Non-Embedded Pages Only)

On our standalone website (not embedded versions), we use Google Analytics to understand how visitors interact with our site. This tracking is disabled when the calculator is embedded in third-party portals (such as university career centers). Google's privacy policy: policies.google.com/privacy

4. Embedded Calculator (Career Center Portals)

5. Data Security

We implement appropriate technical and organizational measures to protect your information:

• All data transmission uses HTTPS encryption
• Payment processing is handled by PCI-compliant Stripe
• Database access is restricted and monitored
• We do not store sensitive financial details (your actual salary, budget, etc.)

6. Your Rights

You have the right to:

• Access - Request a copy of the personal data we hold about you
• Correction - Request correction of inaccurate data
• Deletion - Request deletion of your data (subject to legal retention requirements)
• Portability - Request your data in a portable format

To exercise these rights, contact us using the information below.

7. Children's Privacy

MaxMy401k is designed for adults entering the workforce. We do not knowingly collect information from children under 18. If you believe we have inadvertently collected such information, please contact us immediately.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of material changes by posting the updated policy on this page with a new effective date. Continued use of our services after changes constitutes acceptance of the updated policy.

9. Contact Us