Privacy Policy

1. Scope and who we are

This policy applies to the Owner Retirement website, calculators, guides, and related pages (the “Site”). “Owner Retirement,” “we,” and “us” refer to the operator of the Site. The Site is intended for a general adult audience in the United States and is not directed to children.

2. Information processed by the calculator

Calculator entries—such as retirement spending targets, rent, property expenses, estimated Social Security benefits, and other income—are processed in your browser. We do not require an account and the current Site does not transmit or store those entries on our servers. Do not enter names, account numbers, tax identification numbers, or other identifying details.

3. Information collected automatically

Our hosting and security providers may process ordinary technical data needed to deliver and protect the Site, including IP address, browser and device type, requested pages, timestamps, referring page, and error or security logs. We use this information for security, reliability, abuse prevention, and aggregate performance measurement.

4. Advertising and analytics

The Site is being prepared to display advertising. If Google AdSense or another advertising service is activated, third-party vendors, including Google, may use cookies or similar technologies to serve, measure, and limit ads. Google may use advertising cookies to serve ads based on prior visits to this and other websites where permitted by law and your consent choices.

Before interest-based advertising is enabled, we will activate appropriate consent and privacy controls. Visitors in the EEA, United Kingdom, and Switzerland will be shown a Google-certified consent management experience where required. You may also control personalized advertising through Google My Ad Center.

5. Affiliate links and external sites

Some clearly labeled links may be affiliate links. A partner may learn that you arrived from Owner Retirement and may use its own cookies or tracking parameters. External sites process information under their own policies. We do not control their privacy practices.

6. How information is used and shared

• Operate, secure, troubleshoot, and improve the Site.
• Measure aggregate readership and advertising performance when enabled.
• Comply with law, enforce our terms, or protect rights and safety.
• Support a business transfer, subject to applicable notice and legal requirements.

We do not sell calculator inputs. We do not currently collect calculator inputs for lead generation. Advertising technology may constitute “sharing” for cross-context behavioral advertising under some state privacy laws; when such technology is enabled, legally required opt-out controls will be made available.

7. Your privacy choices and rights

Depending on where you live and whether applicable legal thresholds are met, you may have rights to know, access, correct, delete, or obtain a copy of personal information, and to opt out of certain sale, sharing, targeted advertising, or profiling. You may also appeal a denied request where required. We will not discriminate against you for exercising a privacy right.

When advertising is activated, a “Privacy Choices” control will allow eligible visitors to manage consent or opt-out preferences. Browser settings can also block or delete cookies.

8. Retention and security

Technical logs are retained only as reasonably necessary for security, operations, legal obligations, and dispute resolution. No internet service can guarantee absolute security. Calculator results should not be treated as a secure financial record.

9. Children

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, contact us so we can evaluate and address the issue.

10. Contact and policy changes

Privacy inquiries may be sent to privacy@ownerretirement.com. This address must be activated before public advertising begins. We may update this policy as the Site, advertising vendors, or law changes. Material updates will be identified by a revised date.