1. Definitions

“Easy Roth,” “we,” “us,” “our” means the operator of easyrothconversion.com and the Easy Roth software. “You” or “User” means the person who creates an account or uses the service. “Service” means the Easy Roth website, application, calculation engine, AI features, exports, and related materials. “Professional User” means a User who uses the Service in connection with a business of advising, preparing returns for, or planning for other people. “Individual User” means a User modeling only their own or their household’s situation. “Household Data” means the information you enter, upload, or generate about a person or household, including names, ages, balances, income, benefit amounts, uploaded statements, and the plan outputs saved to your account. “Usage Data” means de-identified, aggregated technical and behavioral data about how the Service is used that does not identify you or any household. “Content” means everything made available through the Service other than Household Data, including text, calculations, methodology, models, layout, and design. “Subprocessor” means a vendor we engage to help deliver the Service, such as our hosting, database, email, payment, and AI providers.

2. Acceptance, changes, and eligibility

By creating an account, checking the acceptance box, or otherwise using the Service, you agree to these terms and to our Privacy Notice, which is incorporated here by reference. If you do not agree, do not use the Service.

We may change these terms. When we do, we will update the “Last updated” date and version above and, for material changes, ask you to review and accept the updated terms the next time you sign in. Changes take effect when posted unless we say otherwise, and your continued use after that point means you accept them. We recommend you review this page periodically.

You must be at least 18 years old and legally able to enter a contract. The Service is offered only to Users located in the United States and is built around United States federal and selected state tax rules. It is not offered to, and should not be used by, residents of the European Economic Area, the United Kingdom, or Switzerland, and we make no representation that the Service is appropriate or available for use outside the United States. If you are accessing the Service on behalf of an entity, you represent that you have authority to bind that entity, and “you” includes that entity.

3. Changes to the Service

Features, calculations, tax data, state coverage, limits, and pricing may change, be added, or be removed at any time, with or without notice. Some features may be gated, incomplete, or under revision at any given time. We may modify, suspend, or discontinue any part of the Service at our discretion. Changes to the Service do not reduce your responsibility to independently verify every figure before acting on it.

4. What the Service is — and what it is not

Easy Roth is a software modeling and education tool. It is not tax advice, legal advice, accounting advice, investment advice, or a recommendation to take or refrain from taking any action.

Easy Roth models Roth conversion scenarios by applying published federal tax rules, selected state income tax rules, Medicare income-related monthly adjustment amount (IRMAA) tiers, required minimum distribution rules, Social Security taxation rules, and Affordable Care Act premium credit rules to the assumptions you enter. Its outputs are hypothetical projections under those assumptions, not statements of fact about your actual tax liability, your actual benefits, or your actual future wealth.

We are not a registered investment adviser, broker-dealer, certified public accounting firm, enrolled agent, tax return preparer, insurance producer, or law firm, and we do not hold ourselves out as any of these. Nothing in the Service creates an advisory, fiduciary, accountant-client, attorney-client, or other professional relationship between you and us. We do not know your complete financial picture, we do not review your tax returns, and we do not supervise, approve, or take responsibility for what you or anyone else decides to do.

The Service and its outputs are not intended or written to be used, and cannot be used, for the purpose of avoiding penalties that may be imposed under the Internal Revenue Code or under any state or local tax law. You should obtain advice based on your particular circumstances from a qualified tax professional, and where relevant an attorney and an investment professional, before executing a Roth conversion or any related transaction.

We do not recommend, offer, or solicit the purchase or sale of any security, insurance product, or investment. No output of the Service should be read as such a recommendation, offer, or solicitation. We are not an “expert” within the meaning of the Securities Act of 1933.

5. Assumptions, limitations, and accuracy

Every figure the Service produces depends entirely on the assumptions entered and on tax parameters that are subject to change. You are solely responsible for the accuracy, completeness, and appropriateness of everything you enter. Small changes in inputs or assumptions can produce large changes in results. Results may differ between runs and over time as the engine, tax data, or your inputs change.

The Service does not model every item that can appear on a tax return or every rule that can apply to a retirement account. Among other things, it does not attempt to model every credit, deduction, phase-out, alternative minimum tax situation, employer plan provision, trust or estate structure, non-U.S. income, or state-specific treatment outside the states it covers. It does not model investment risk, sequence-of-returns risk, market volatility, or the performance of any specific security or product; growth is applied as a deterministic assumption you select.

State income tax is currently estimated for New Jersey, Pennsylvania, California, Illinois, North Carolina, New York, Georgia, South Carolina, Virginia, Arizona, Michigan, Ohio, Colorado, Iowa, Wisconsin, Minnesota, and Massachusetts under current planning assumptions (generally as modeled with disclosed assumptions). States with no personal income tax on this income correctly show zero. For all other states, federal tax and IRMAA are estimated while state tax is shown as zero and flagged in the plan; you must add state tax yourself for those states. New York City and Yonkers local income taxes are not included, and Ohio municipal/school-district and other local or municipal income taxes generally are not included unless specifically entered.

Tax law, published inflation adjustments, Medicare premiums and thresholds, and benefit rules change, sometimes retroactively, and scheduled provisions may be extended, modified, or allowed to expire. Figures shown for future years are projections based on rules as we understand them at the time of the run and on indexation assumptions, not on enacted law for those years.

Values you enter or that are read from an uploaded statement are not a substitute for your official account statements, your Social Security statement, your Medicare determination notices, or your filed tax returns. Nothing produced by the Service is a consolidated account statement, a performance report, a custodial statement, a tax return, or a tax form. Account values shown are not covered by, and imply nothing about, FDIC or SIPC protection.

6. AI-enabled features

The Service includes optional features powered by third-party artificial intelligence models, including reading uploaded statements to extract balances, conversational assistants that help you complete an intake or navigate the product, and drafting assistance for correspondence such as a letter summarizing a plan for a tax professional. These are collectively the “AI Features.”

AI features can be wrong. They can misread a document, transpose a figure, omit an account, misstate a rule, or generate confident text that is inaccurate or not applicable to your situation. AI output is provided “as is,” is informational only, is not tax, legal, accounting, or investment advice, and does not replace your own judgment or that of a qualified professional.

You are solely responsible for reviewing every figure an AI Feature extracts against the source document, and for reviewing any AI-drafted text before you send, file, rely on, or give it to anyone else. Where an AI Feature produces a document intended for a professional, that document is a draft for your review and remains your communication, not ours.

When you use an AI Feature, the content necessary to produce the response — for example the statement page you upload or the question you type, together with relevant context from your inputs — is transmitted to our AI provider for processing. We do not sell that content. Easy Roth does not use your inputs to train its own models. Training, retention, and related practices of our AI provider and other Subprocessors are governed by the commercial terms applicable to Easy Roth and remain subject to human/counsel verification before stronger contractual claims are made; providers may retain content briefly for abuse detection, debugging, and service reliability per those published terms. Providers, models, and features may change over time; continued use after a change constitutes acceptance. We may apply usage limits, safety filters, and abuse detection to protect the Service.

Do not upload or enter material you are not authorized to disclose to a third-party processor. Avoid entering full Social Security numbers, account numbers, or government identification numbers; the Service does not need them.

7. Your account and your responsibilities

You agree to provide accurate and current information, to keep it up to date, and to keep your credentials confidential. Accounts are personal to one user; you may not share credentials, and each person using the Service must have their own account. You are responsible for all activity under your account. Notify us promptly at Easyrothconversion@gmail.com if you believe your account has been accessed without authorization.

You are responsible for complying with all laws, regulations, and professional or firm rules that apply to you, including those governing tax practice, investment advice, advertising, recordkeeping, supervision, privacy, and the security of client information.

8. Professional Users

If you are a Professional User, you additionally represent and warrant that: (a) you hold whatever license, registration, or credential your activity requires, or that your activity requires none; (b) you have obtained all authorizations and consents necessary to enter, upload, and process another person’s information through the Service and to permit us and our Subprocessors to process it as described in these terms and our Privacy Notice; (c) you will independently review, interpret, and verify every output before presenting it to anyone, and will apply your own professional judgment; (d) you will represent the Service’s results accurately, including their nature as estimates and their stated limitations, and will not present them as guaranteed, as an official tax calculation, or as our advice; and (e) you will not remove, obscure, or contradict the disclaimers that appear in exports and deliverables.

As between you and us, you are solely and exclusively responsible for all research, planning, recommendations, and advice you provide to your clients, whether or not it was informed by the Service. We are not responsible for and will not be liable for any advice you give or any recommendation you make.

You may use the Service only for your own clients. You may not use it to provide services to third parties outside that relationship, and you may not resell, sublicense, or provide access to the Service itself to anyone.

9. License and restrictions

Subject to your compliance with these terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Service — for an Individual User, for personal household planning, and for a Professional User, for internal business purposes and servicing that User’s own clients. All rights not expressly granted are reserved.

You may not: (a) copy, modify, translate, or create derivative works of the Service or Content; (b) reverse engineer, decompile, disassemble, or attempt to derive the source code, models, methodology, or tax parameters of the Service except to the extent applicable law prohibits this restriction; (c) sell, resell, rent, lease, sublicense, distribute, or operate a service bureau, time-sharing, or outsourcing arrangement using the Service; (d) use the Service or information obtained from it to build, train, or improve a competing product or model, or to benchmark it for that purpose; (e) scrape, crawl, harvest, or use automated means to extract Content or data; (f) circumvent or attempt to circumvent authentication, rate limits, usage quotas, subscription gates, or feature gates; (g) probe, scan, or test the vulnerability of the Service or breach its security, except under a written authorization from us; (h) upload malicious code or anything unlawful, infringing, or that you lack the right to submit; or (i) use the Service in violation of any applicable law, including United States export control and economic sanctions laws.

10. Ownership, Content, and feedback

We and our licensors own the Service and all Content, including all associated copyrights, trade secrets, patents, trademarks, and other intellectual property, together with any modifications or improvements. Nothing in these terms transfers any of those rights to you. Content may be modified at any time.

You retain ownership of your Household Data. You grant us a non-exclusive, worldwide, royalty-free license to host, store, back up, transmit, process, display, and otherwise use Household Data solely to provide, secure, and support the Service for you, and as otherwise permitted by these terms and our Privacy Notice. Easy Roth does not use Household Data to train any general-purpose AI model of its own. Whether a Subprocessor may use content for its own model training is governed by that provider’s applicable commercial terms and is listed as verified only after human/counsel review in our subprocessor matrix.

We may collect and use Usage Data to operate, monitor, secure, evaluate, and improve the Service, and to publish aggregate statistics. Usage Data does not identify you or any household, is distinct from Household Data, and is not your confidential information.

If you send us feedback, bug reports, suggestions, or ideas, you grant us an unrestricted, perpetual, irrevocable, royalty-free right to use and incorporate them without obligation or compensation to you. We have no obligation to use any feedback, and feedback is not confidential.

11. Confidentiality

The Service, its Content, its methodology, and any non-public materials we provide are our confidential and proprietary information. You agree to protect them with at least the care you use for your own confidential information, not to disclose them to third parties, and to use them only as these terms permit.

We will hold Household Data in confidence, will use it only as described in these terms and our Privacy Notice, and will apply administrative, technical, and physical safeguards reasonably designed to protect it. We remain responsible for our Subprocessors’ handling of Household Data to the same extent as if we handled it ourselves.

12. Subscriptions, billing, and auto-renewal

Current status: depending on deployment configuration, the Service may be offered without charge or with paid subscriptions enabled. When billing is disabled for a deployment, no charges are made. The remainder of this section describes paid subscription terms that apply when paid plans are turned on for your account.

When paid plans are active, Individual plans are billed at $19.99 per month or $199.99 per year and cover one household. Financial Professional plans are billed at $39.99 per month or $399.99 per year and cover up to 25 households. Pro Max plans are billed at $59.99 per month or $599.99 per year and cover up to 75 households with a 5× included AI allowance. Unlimited plans are billed at $79.99 per month or $799.99 per year and cover an unlimited number of households with a 20× included AI allowance. Annual billing includes a two-month discount versus paying monthly. Prices are in U.S. dollars and exclude any applicable taxes, which are your responsibility.

Subscriptions renew automatically for successive periods of the same length at the then-current price, charged to your payment method on each renewal date, until you cancel. You may cancel at any time from your account settings, and cancellation takes effect at the end of the period you have already paid for.

By subscribing you authorize us and our payment processor to charge your payment method on a recurring basis. We will provide any renewal reminder or cancellation confirmation required by the law of your state. We may change prices with at least 30 days’ notice before the renewal to which the new price applies; if you do not want the new price, cancel before that renewal.

Refunds. Charges for a billing period that has already begun are non-refundable, and cancelling stops future renewals rather than refunding the current or any prior period. You keep access through the end of the period already paid for. Nothing in this paragraph limits any refund right you have under applicable law, and we may issue discretionary refunds in individual cases without creating an obligation to do so in others.

We may suspend or terminate access for non-payment, for misuse, or for breach of these terms.

13. Term, termination, and your data

These terms apply from the moment you first access the Service until terminated. You may stop using the Service and close your account at any time from Settings or by contacting us at Easyrothconversion@gmail.com. We may suspend or terminate your access at any time for breach of these terms, for suspected unlawful or abusive use, for non-payment, or if we discontinue the Service.

Deleting your account cancels any Stripe subscription so there are no future renewals and schedules removal of active account data after the applicable export/retention period described in the Privacy Notice. Deletion does not refund an already-paid billing period except where required by applicable law.

On termination, your license to use the Service for new planning ends. You may export your saved households from within the Service while your account is active, and for a limited export window after you request deletion (currently 30 days unless counsel configures otherwise). After that period active Household Data is deleted from production systems and, where the host retains encrypted backups, on that provider’s normal backup rotation (we do not separately guarantee a specific backup purge timeline). We may retain limited records where required by law or reasonably necessary to establish, exercise, or defend legal claims, and we will continue to protect anything retained.

Sections 4, 5, 6, 8, 10, 11, 14, 15, 16, 17, and 18 survive termination.

14. Disclaimer of warranties

The Service, the Content, and all outputs, projections, extractions, exports, and information obtained from the Service are provided “as is” and “as available,” with all faults, and without warranty of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, we disclaim all implied warranties, including the implied warranties of merchantability, fitness for a particular purpose, accuracy, quiet enjoyment, title, and non-infringement, and any warranties arising from course of dealing, usage, or trade practice.

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free; that defects will be corrected; that outputs will be accurate, complete, current, or suitable for your situation; that the Service will meet your requirements; or that any tax, benefit, or financial result will be achieved. No advice or information, oral or written, obtained from us or through the Service creates any warranty not expressly stated here.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you. Nothing in these terms is intended to waive any right you have under the New Jersey Consumer Fraud Act or any other right that cannot lawfully be waived.

15. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost savings, lost data, lost business, loss of goodwill, or cost of substitute services, arising out of or relating to these terms or the Service, under any theory of liability, even if we have been advised of the possibility of such damages.

To the maximum extent permitted by law, we will not be liable for any tax, interest, penalty, additional Medicare premium, lost subsidy, reduced benefit, investment loss, or other financial consequence arising from a conversion, distribution, election, filing, or other action you or anyone else takes or fails to take in reliance on the Service.

Our total cumulative liability arising out of or relating to these terms or the Service, whether in contract, tort, statute, or otherwise, will not exceed the greater of one hundred United States dollars ($100) or the total amount you paid us for the Service in the twelve months immediately before the event giving rise to the claim.

These limits are an essential basis of the bargain and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you, and nothing here limits liability for fraud, for personal injury caused by our negligence, or for anything else that cannot lawfully be limited.

16. Indemnification

You agree to defend, indemnify, and hold harmless Easy Roth and its owners, officers, employees, contractors, agents, and Subprocessors from and against any claim, demand, proceeding, loss, liability, damage, penalty, and expense, including reasonable attorneys’ fees, arising out of or relating to: (a) your use of the Service; (b) your breach of these terms or of any law or professional obligation; (c) any advice, recommendation, deliverable, or representation you provide to another person, whether or not informed by the Service; (d) Household Data you submit, including any claim that you lacked the right or consent to submit it; and (e) any dispute between you and a client, advisor, family member, or other third party.

We will notify you of any claim for which we seek indemnification and may participate in the defense with counsel of our choosing at our own expense. You may not settle any claim in a way that imposes an obligation or admission on us without our written consent.

17. Dispute resolution, arbitration, and class action waiver

Please read this section carefully. It affects your legal rights, including your right to a jury trial and to participate in a class action.

Informal resolution first. Before starting an arbitration or a lawsuit, you agree to contact us at Easyrothconversion@gmail.com with a written description of the dispute and the relief you seek, and to give us 60 days to resolve it informally. This step is a condition of bringing a claim, and the limitations period is paused while it runs.

Arbitration. Except as stated below, any dispute, claim, or controversy arising out of or relating to these terms or the Service will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, as modified by these terms. The Federal Arbitration Act governs the interpretation and enforcement of this section. The arbitrator will apply New Jersey substantive law, may award only relief available in an individual action, and will issue a written award stating the disposition of each claim. Judgment on the award may be entered in any court of competent jurisdiction. The arbitration will be conducted in English. Unless you and we agree otherwise, hearings will be held remotely or, if an in-person hearing is required, in the county where you reside or in Mercer County, New Jersey, at your election. We will pay filing and administrative fees to the extent required by the applicable rules.

Exceptions. Either party may bring an individual claim in small claims court if it qualifies, and either party may seek injunctive or other equitable relief in court to protect intellectual property or to stop unauthorized access to or misuse of the Service.

Class action and jury trial waiver. You and we each waive the right to a trial by jury and agree that claims will be brought only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, private attorney general, or representative proceeding. Claims of separate users may not be joined or consolidated without the written consent of all parties. If this waiver is held unenforceable as to a particular claim or remedy, that claim or remedy will proceed in court and the remainder will proceed in arbitration.

Your right to opt out. You may opt out of this arbitration agreement by emailing Easyrothconversion@gmail.com with the subject line “Arbitration Opt-Out,” together with your name and the email address on your account, within 30 days after you first accept these terms. Opting out does not affect any other part of these terms and will not affect your access to the Service.

Court venue. For any dispute not subject to arbitration, you and we submit to the exclusive jurisdiction of the state and federal courts located in Mercer County, New Jersey, and waive any objection to venue there.

Claims are subject to the statutes of limitation that apply under applicable law. Nothing in these terms shortens a limitations period that cannot lawfully be shortened.

18. General

Governing law. These terms and any dispute arising from them are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs Section 17. Nothing in this paragraph deprives you of the protection of mandatory consumer-protection provisions of the state where you reside.

Assignment. You may not assign or transfer these terms or any rights under them without our prior written consent. We may assign these terms to an affiliate or in connection with a merger, acquisition, reorganization, or sale of substantially all of our assets. Any attempted assignment in violation of this paragraph is void.

Independent parties. We are independent contractors. Nothing in these terms creates a partnership, joint venture, agency, franchise, or employment relationship, and neither party may bind the other.

Force majeure. Except for payment obligations, neither party is liable for any delay or failure to perform caused by events beyond its reasonable control, including outages of hosting, network, payment, or AI providers.

Notices. We may give you notice by email to the address on your account or by posting in the Service. You must give us notice by email to Easyrothconversion@gmail.com. Notices are effective on receipt.

Severability and waiver. If any provision is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or if that is not possible, severed, and the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of it, and any waiver must be in writing to be effective.

Entire agreement. These terms, together with the Privacy Notice and any terms presented at signup or checkout, are the entire agreement between you and us about the Service and supersede any prior understanding. No purchase order or other document you provide adds any term.

Third parties. These terms do not create any right or remedy for anyone who is not a party to them.

19. Contact

Questions about these terms, requests to export or delete your data, security reports, and arbitration opt-outs: Easyrothconversion@gmail.com.

Who we are and what this covers

This notice explains what Easy Roth collects when you use easyrothconversion.com, why we collect it, who we share it with, and the choices you have. It applies to the website and the application, and not to any third-party site you reach from a link here. Easy Roth is offered to users in the United States only.

What we collect

Account information: your email address, a bcrypt hash of your password (we never store the password itself) or a Google sign-in identifier, and optionally your name, account type, and how you heard about us. We also record the date and version of the Terms you accepted.

Household and plan data: everything you enter or upload to run a plan — names or labels you assign, birth years and ages, filing status, state, account balances and types, income, Social Security amounts, spending, charitable and QCD figures, uploaded statement files, and the plan outputs and schedules saved to your account.

Usage and technical data: API request paths, response status codes and durations, AI token counters and per-day usage totals, session cookie contents, and IP address as processed by our host and rate limiter for security and abuse prevention. When product analytics is enabled, we also collect aggregate page and funnel events (for example landing, signup start/complete, analysis start/complete, checkout) with non-sensitive categorical metadata only.

Campaign and landing attribution: if you arrive via a campaign link, we may store first-touch UTM parameters (source, medium, campaign, content, term), the landing path, the initial referrer, and a first-touch timestamp in your browser (local storage, retained about 90 days) and, if you create an account, on your user record. First-touch values are not overwritten by later visits. We do not put household financial figures into attribution records.

Billing data (when paid plans are active): subscription status, plan, and renewal date, plus customer and subscription identifiers from our payment processor. We never receive or store your full card number — card details go directly to the payment processor.

Client error reports (when monitoring is enabled): error type, stack trace, app version, route/page, browser/device class, and a safe feature identifier. We intentionally do not capture form field values, plan payloads, balances, income, uploaded documents, or email addresses in those reports.

We do not ask for and you should not enter Social Security numbers, full account numbers, or government identification numbers. Redact them from any statement before uploading.

Why we use it

To create and secure your account and sign you in; to run the calculation engine and produce, save, and export plans; to operate AI features you choose to use; to send transactional email such as verification and password reset; to enforce usage limits and detect abuse; to process subscriptions when billing is enabled; to measure product funnels and diagnose errors so we can improve reliability; to attribute marketing landings; and to comply with law. We do not use your data for advertising, and we do not sell or share personal information for cross-context behavioral advertising. Product analytics events never include household names, account balances, income, Social Security amounts, tax amounts, uploaded statement contents, or email addresses.

AI features and your data

When you use the statement reader, an assistant, or the letter drafter, the content necessary to generate the response — the document page or question, plus relevant context from your inputs — is sent to our AI provider, Anthropic, for processing. Easy Roth does not use household data to train any model of its own. Training and short-term retention practices of our AI provider are governed by that provider’s published commercial terms applicable to Easy Roth and are recorded as verified in our subprocessor matrix only after human/counsel review; until then we do not make stronger contractual training claims. The provider may retain content briefly for abuse detection and reliability per those terms. Using AI features is optional; you can complete a plan by entering figures manually instead.

Who we share it with

We share data only with the service providers needed to run the product, each under contract and only for that purpose: our hosting and database provider (Railway, with PostgreSQL), our transactional email provider (Resend), our AI provider (Anthropic), when product analytics is enabled Google Analytics 4 (Google), and, when billing is enabled, our payment processor (Stripe). We may also disclose data when required by law or valid legal process, to protect our rights or the safety of users, or in connection with a merger, acquisition, or sale of assets, in which case we will notify you. We do not sell your personal information.

Security

Passwords are stored only as bcrypt hashes. Session cookies are HttpOnly, SameSite, and marked Secure in production. Traffic is served over HTTPS with HSTS, and the app runs under a Content Security Policy. Verification and reset codes are stored hashed, expire, and lock out after repeated failed attempts. Access to production data is limited. No system is perfectly secure, and we cannot guarantee absolute security. If a breach affects your personal information we will notify you and any regulator as required by applicable state law.

Retention and deletion

Account records and saved households are kept while your account is open. You can delete individual saved households at any time from within the app, and you can initiate account deletion from Settings → Privacy & Data. Initiating deletion cancels any Stripe subscription so there are no future renewals and moves the account into a terminated-pending-export state. You may export a machine-readable copy while that export window is open (currently 30 days unless counsel configures otherwise). After the export window, active profile and household data are removed from production systems; where the host retains encrypted backups, deleted records typically age out on that provider’s normal backup rotation; we do not separately guarantee a specific backup purge timeline. We may keep limited records where the law requires it or where reasonably necessary to establish, exercise, or defend a legal claim. Request logs are retained for 90 days for operational diagnostics and then deleted automatically; aggregate usage counters are retained for a limited operational period. Neither is used to profile you.

Your choices and rights

You can access and correct your account details in Settings, export your full account data as a machine-readable file, and delete saved households or your whole account from within the app. Depending on where you live — including California, Colorado, Connecticut, Virginia, and other states with comprehensive privacy laws — you may have rights to know what we collect, to obtain a copy, to correct or delete it, and to be free from discrimination for exercising those rights. We honor these requests from all United States users regardless of state. To make a request we cannot fulfill in-app, email Easyrothconversion@gmail.com from your account address; we may need to verify your identity before acting. If you are dissatisfied with our response you may appeal by replying to our decision, and you may contact your state attorney general.

We do not sell personal information and we do not share it for targeted advertising, so there is nothing to opt out of in those categories. We do not use personal information for automated decisions that produce legal or similarly significant effects about you; the calculation engine models scenarios you request and does not decide anything about you.

Cookies and local storage

We use a single HttpOnly session cookie to keep you signed in. Persistent local browser storage holds only non-sensitive session, roster-sync, and campaign-attribution metadata; it does not hold full household financial data. Saved households are authoritative on our server. First-touch campaign attribution (UTM fields, landing path, referrer, timestamp) may be stored locally for about 90 days. Google Analytics 4 loads only if you click Accept analytics in our cookie banner; until then, analytics cookies are not set by us. See our Cookie Policy for details and how to change your choice.

Children

The Service is for adults 18 and older. We do not knowingly collect information from children under 13, and if we learn that we have, we will delete it. Do not enter information about a minor beyond what a plan legitimately requires, such as a beneficiary’s age.

If you enter someone else’s information

If you are an advisor, family member, or anyone entering another person’s data, you are the party responsible for having the authority and consent to do so and for complying with the privacy and confidentiality rules that apply to your practice. Treat saved households as confidential client records. We act as a processor of that data on your behalf and use it only to provide the Service to you.

Changes and contact

We will update the date above when this notice changes and will notify you in the app for material changes. Questions, requests, and complaints: Easyrothconversion@gmail.com.