Privacy & Terms

By design, retira.app is local-first. The employee census you enter stays in your browser, calculations run on your device, and census data is never transmitted to us.

If you sign in, we store the account information needed to provide access. If you use the Client Book, we also store the client labels and plan settings you choose to save, but census data is never uploaded.

The employee census, working plan rules, compare-mode plans, and undo history are kept in your browser’s local storage so your work persists between sessions. This includes compensation, balances, dates, and other personal details in the census.

We do not receive census data. You can remove browser-stored data by clearing the census in the app or clearing browser storage for this site. On a shared device, consider a private window and clear site data when you finish.

Signing in to the studio uses a passwordless magic link sent to your email. To provide this we store your email address, basic account and access-grant records, and a log of sign-in events (such as time and success) used for security and access control. Authentication is handled by our infrastructure provider, Supabase.

We use your email to operate your account and, where relevant, to contact you about access. We do not sell your personal information.

The Client Book stores the client label and plan settings you choose to save so they are available across sessions and devices, but census data is never uploaded.

Selecting an entry applies its plan settings to the census already open on that device. You can delete saved entries in the Client Book at any time.

PDF reports, results and census CSVs, and plan-settings JSON are generated on your device and saved by you. Once downloaded, these files are under your control and can contain compensation and personal data, so handle and share them accordingly.

We use local/session storage and necessary cookies to keep you signed in and to remember your preferences and work in progress.

Browser-stored data persists until you clear it. Account and sign-in records are retained while your account is active and as needed for security and legal obligations. Saved Client Book entries remain until you delete them or your account.

To access, correct, or delete your data, use the in-app controls or contact us. Subject to applicable law, you may have rights to access, correct, delete, or port your personal information.

Reach us through the Contact link in the app for any privacy request or question about this policy.

By accessing or using retira.app (the “Service”), provided by Retira LLC, you agree to these Terms. If you do not agree, do not use the Service.

Informational only, not advice. The Service models 401(k) contributions for illustration and planning. It does not provide legal, tax, accounting, actuarial, or investment advice, is not a compliance or nondiscrimination test, and does not create a fiduciary or advisory relationship.

Your responsibilities. You are responsible for the accuracy of the data you enter, for the confidentiality of any census or personal data you handle, and for verifying results and compliance with applicable regulations and plan documents before relying on them. Confirm plan-design decisions with your recordkeeper, TPA, or ERISA counsel.

Accounts & acceptable use. You are responsible for activity under your account, for keeping access to your email secure, and for having authority to use the data you enter. You agree not to attempt to access other users’ data, disrupt the Service, or reverse-engineer it.

Estimates & no warranty. Outputs are estimates based on the inputs you supply and the IRS limits configured for the selected plan year. The Service is provided “as is” and “as available,” without warranties of any kind, including accuracy, completeness, availability, or fitness for a particular purpose.

Limitation of liability. To the maximum extent permitted by law, Retira LLC is not liable for any indirect, incidental, consequential, or special damages, or for decisions or filings made in reliance on the Service. Use of the Service is at your own risk.

Changes. We may update the Service and these Terms. Material changes will be reflected by the “last updated” date above; continued use after an update constitutes acceptance.