Privacy Policy

1. Introduction

Mudofa ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

2. Information We Collect

Information you provide: Account information (email, name), financial profile data (income ranges, tax filing status, retirement contributions), scenario interactions, calculator usage, and any other information you voluntarily submit.

Automatically collected: Device information, browser type, IP address, usage patterns, pages visited, and interactions with the Service through cookies and similar technologies.

Affiliate link clicks: When you are signed in and click an affiliate link, we record that click, including the partner, the related strategy or page, a session identifier, and the time, associated with your account. We use this only to understand which partners and content are useful to our readers. Clicks made while signed out are not tied to an account. For how affiliate links work, see our Affiliate Disclosure.

3. How We Use Your Information

We use your information to:

• Provide educational strategy content and savings calculators
• Maintain and improve the Service
• Operate affiliate links and measure referrals (click-level only, not personal identity)
• Send important updates, newsletters, and promotional content (with your consent)
• Analyze usage patterns to enhance user experience
• Comply with legal obligations

4. Data Security

We implement industry-standard security measures to protect your personal information, including encryption, secure servers, and access controls. However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security but will notify you of any breaches as required by law.

5. Sharing Your Information

We may share your information with:

• Service providers: Third parties that help us operate the Service (hosting, analytics, payment processing)
• Affiliate partners: When you follow an affiliate link, the partner can tell the visit came from us, but we do not send them your account details
• Legal requirements: When required by law or to protect our rights
• Business transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties.

6. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, remember preferences, and analyze usage. When required by law, we request your consent before setting non-essential cookies. You can accept or decline non-essential cookies through our cookie banner and change your choice at any time. Some features may not work properly if certain cookies are disabled.

7. Your Rights

Depending on your location, you may have the right to:

• Access and receive a copy of your personal data
• Correct inaccurate information
• Request deletion of your data
• Object to or restrict certain processing
• Data portability
• Withdraw consent at any time

To exercise these rights, contact us at privacy@mudofa.com.

8. California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected, request deletion, and opt-out of the sale of personal information (we do not sell personal information).

9. Children's Privacy

The Service is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected data from a child, we will delete it promptly.

10. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. We may retain certain information for legal, accounting, or business purposes after account deletion.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting the new policy and updating the "Last updated" date. Continued use of the Service after changes constitutes acceptance.

12. Contact Us

For questions about this Privacy Policy or your personal data, contact us at:

Email: privacy@mudofa.com