Privacy Policy

Last Updated: January 6, 2025

Introduction

Welcome to Coast FIRE Calculator ("we," "our," or "us"). We are committed to protecting your privacy and ensuring you have a positive experience on our website. This Privacy Policy explains how we collect, use, and safeguard your information when you visit coastfirecalculator.xyz.

Information We Collect

Information You Provide

When you use our Coast FIRE Calculator, you may input financial information such as:

  • Current age and retirement age
  • Current savings and investments
  • Monthly contributions
  • Expected annual expenses
  • Investment return rates and other financial assumptions

Important: All calculations are performed locally in your browser. We do not transmit or store your financial data on our servers.

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing behavior, including:

  • IP address
  • Browser type and version
  • Operating system
  • Pages visited and time spent on pages
  • Referring website addresses
  • Device identifiers

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience. These include:

  • Essential Cookies: Necessary for the website to function properly, including saving your calculator inputs locally
  • Analytics Cookies: Help us understand how visitors interact with our website (via Google Analytics)
  • Advertising Cookies: Used to display relevant advertisements (via Google AdSense)

How We Use Your Information

We use the collected information for the following purposes:

  • Service Delivery: To provide and maintain our Coast FIRE Calculator functionality
  • Improvement: To understand how users interact with our site and improve our services
  • Analytics: To analyze usage patterns and optimize website performance
  • Advertising: To display relevant advertisements through Google AdSense
  • Communication: To respond to your inquiries and provide customer support

Data Storage and Security

Your calculator inputs are stored locally in your browser's local storage and are never transmitted to our servers. This means:

  • Your financial data remains private and secure on your device
  • You can clear this data at any time by using the "Reset" button or clearing your browser cache
  • We have no access to your specific financial calculations

We implement appropriate technical and organizational security measures to protect against unauthorized access, alteration, disclosure, or destruction of information.

Third-Party Services

Google Analytics

We use Google Analytics to analyze website traffic and user behavior. Google Analytics collects information anonymously and reports website trends without identifying individual visitors. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

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. You can opt out of personalized advertising by visiting Google's Ads Settings.

Chart.js

We use Chart.js, delivered via CDN, to display interactive charts. This may result in your IP address being shared with the CDN provider.

Your Rights and Choices

You have the following rights regarding your information:

  • Access: You can access any information stored locally in your browser
  • Deletion: You can delete locally stored data using the "Reset" button or clearing browser data
  • Opt-Out: You can disable cookies through your browser settings, though this may affect website functionality
  • Do Not Track: We respect Do Not Track signals when properly configured in your browser

Children's Privacy

Our website is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

International Data Transfers

Our website is hosted and operated in the United States. If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Email: [email protected]

Terms of Service

Last Updated: January 6, 2025

Agreement to Terms

By accessing and using Coast FIRE Calculator (the "Website"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this Website.

Use License

Permission is granted to temporarily use the Coast FIRE Calculator for personal, non-commercial purposes. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or for any public display
  • Attempt to reverse engineer any software contained on the Website
  • Remove any copyright or other proprietary notations from the materials
  • Transfer the materials to another person or "mirror" the materials on any other server

Disclaimer

Important: The Coast FIRE Calculator is provided for educational and informational purposes only. It should not be considered as financial, investment, tax, or legal advice.

  • The calculations and results are estimates based on the assumptions you provide
  • Past performance does not guarantee future results
  • Investment markets are unpredictable and subject to volatility
  • We make no guarantees about the accuracy, completeness, or reliability of the calculator results
  • You should consult with qualified financial advisors before making any investment decisions

No Financial Advice

We are not financial advisors, investment advisors, or certified financial planners. The information provided on this Website does not constitute professional financial advice and should not be relied upon as such. Always seek the advice of qualified professionals regarding your specific financial situation.

Limitation of Liability

In no event shall Coast FIRE Calculator or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Website, even if we have been notified orally or in writing of the possibility of such damage.

Accuracy of Materials

The materials appearing on the Website may include technical, typographical, or photographic errors. We do not warrant that any of the materials on the Website are accurate, complete, or current. We may make changes to the materials at any time without notice.

Links to Third-Party Websites

Our Website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party websites.

Intellectual Property

The Website and its original content, features, and functionality are owned by Coast FIRE Calculator and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

User Conduct

You agree not to use the Website:

  • In any way that violates any applicable law or regulation
  • To transmit any malicious code, viruses, or harmful components
  • To attempt to gain unauthorized access to the Website or its related systems
  • To interfere with or disrupt the Website or servers
  • To impersonate or attempt to impersonate another user or person

Modifications to Service

We reserve the right to modify or discontinue the Website (or any part thereof) at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Website.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by posting the new Terms of Service on this page and updating the "Last Updated" date. Your continued use of the Website after such changes constitutes your acceptance of the new Terms.

Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: [email protected]

Financial Disclaimer

Please Read Carefully

Investment Risk Warning

All investments involve risk, including the potential loss of principal.

Calculator Limitations

  • The Coast FIRE Calculator provides estimates based on your inputs and assumptions
  • Results are hypothetical and do not represent actual investment results
  • Historical returns are not indicative of future performance
  • Market conditions can and will change, affecting investment outcomes
  • Inflation rates, tax rates, and personal circumstances may vary significantly

Not Professional Advice

The information provided by the Coast FIRE Calculator is for educational purposes only and should not be construed as:

  • Financial advice or recommendations
  • Investment advice or securities recommendations
  • Tax advice or tax planning guidance
  • Legal advice
  • Retirement planning advice

Consultation Recommended

Before making any financial decisions, you should:

  • Consult with a qualified financial advisor
  • Speak with a tax professional about tax implications
  • Consider your personal financial situation, goals, and risk tolerance
  • Review your estate planning needs with an attorney
  • Understand the specific investments and their associated risks

Assumption Risks

The calculator relies on various assumptions that may not be accurate:

  • Return Rates: Actual investment returns may be higher or lower than assumed
  • Inflation: Actual inflation may differ significantly from projections
  • Expenses: Your actual retirement expenses may vary from estimates
  • Life Expectancy: Healthcare needs and longevity can affect planning
  • Market Volatility: Short-term market fluctuations can impact long-term plans
  • Sequence of Returns: The order of investment returns matters significantly

No Guarantee

We make no representations or warranties regarding:

  • The accuracy of calculator results
  • The suitability of Coast FIRE strategy for your situation
  • The achievability of financial independence or retirement goals
  • Future investment performance or market conditions

Personal Responsibility

You acknowledge and agree that:

  • You are solely responsible for your financial decisions
  • You use the calculator and information at your own risk
  • You will not hold us liable for any financial losses or outcomes
  • You understand the limitations and risks involved in financial planning

Regulatory Notice

Coast FIRE Calculator is not a registered investment advisor, broker-dealer, or financial institution. We are not licensed to provide financial, investment, or tax advice. This website and calculator are provided as educational tools only.

Updates and Changes

Financial markets, tax laws, and regulations change frequently. The information and assumptions used in our calculator may become outdated. We encourage you to regularly review your financial plan with qualified professionals and stay informed about changes that may affect your situation.