Retiree Defender

Effective Date: June 1, 2026

1. Information We Collect

Retiree Defender collects the following information to provide personalized retirement planning:

• Full name and email address (used for account creation)
• Retirement financial inputs (IRA balances, Social Security estimates, tax brackets, withdrawal amounts)
• App usage data to improve performance and user experience

2. How We Use Your Information

Your information is used solely to:

• Generate personalized IRA depletion and tax optimization projections
• Securely store your inputs so you can access them across sessions
• Send account-related emails (e.g., password reset)
• Improve app features and performance

3. Firebase & Data Storage

Retiree Defender uses Google Firebase for authentication and data storage. Your data is stored securely in Firebase Firestore and protected by industry-standard encryption. Firebase services are governed by Google's Privacy Policy (policies.google.com/privacy).

4. We Do Not Sell Your Data

Goza Technology International does not sell, rent, trade, or share your personal information with third parties for marketing or advertising purposes. Your financial data is private and is never shared without your explicit consent.

5. Data Security

All data is transmitted over encrypted HTTPS connections and stored securely in Firebase. We regularly review our security practices to protect your information.

6. Data Retention

Your account and associated data are retained as long as your account is active. You may request deletion of your account and all associated data at any time by contacting us.

7. Early Adopter Program

Users who register before November 3, 2026 will receive full access to all current and future features at no cost during the early adopter period. After November 3, 2026, a subscription will be required for premium features. Early adopters will be offered a discounted rate as a thank you for their early support.

8. Children's Privacy

Retiree Defender is intended for adults planning for retirement. We do not knowingly collect information from anyone under the age of 18.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected with an updated effective date.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Company: Goza Technology International
• Email: support@gozatech.com
• Website: www.gozatech.com