Privacy Policy

1. Information We Collect

Personal Information

• Email address and name (for account creation)
• Authentication credentials

Financial Information

• Paystub data (earnings, deductions, taxes)
• W-4 information you provide
• Tax filing status and dependents

Technical Information

• Device information and browser data
• Usage analytics and performance metrics
• IP address and location (general)

2. How We Use Your Information

• Process paystub data to calculate tax estimates
• Provide personalized tax optimization recommendations
• Improve our service and user experience
• Send service-related communications
• Comply with legal obligations

3. Data Security

Important: No system is 100% secure. You provide financial information at your own risk.

4. Data Sharing

We DO NOT sell your personal or financial information.

We may share data with:

• Service Providers: Cloud hosting, analytics, security services
• Legal Requirements: When required by law or court order
• Business Transfers: In case of merger or acquisition
• Consent: With your explicit permission

5. Data Retention

• Financial Data: Deleted within 90 days unless you save it
• Account Data: Retained while account is active
• Legal Requirements: May retain longer if required by law

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Delete your account and data
• Export your data
• Opt out of marketing communications

7. Cookies and Tracking

We use cookies and similar technologies for:

• User authentication and security
• Performance and analytics
• Service functionality

8. Third-Party Services

We use third-party services including:

• OpenAI (for paystub data extraction)
• Cloud hosting providers
• Analytics services

Each has their own privacy policies.

9. Children's Privacy

Our service is not intended for users under 18. We do not knowingly collect information from children under 18.

10. Changes to Privacy Policy

We may update this Privacy Policy. We'll notify you of significant changes via email or service notifications.

11. Contact Us

For privacy questions or to exercise your rights, contact us at:

• Email: privacy@w4calculator.com
• Address: [Your Business Address]