Privacy Policy

Effective Date: April 20, 2026  ·  Last Updated: April 20, 2026

Operated by Index Gurus, Inc.  ·  drawdowniq.ai

1. Who We Are

DrawDownIQ is operated by Index Gurus, Inc., a California corporation ("Company," "we," "us," or "our"). Our principal place of business is 5350 Paso Del Rio Way, Concord, California 94521. For privacy-related inquiries, contact us at support@drawdowniq.ai.

2. Information We Collect

2.1 Information You Provide Directly

When you create an account or use the Service, we may collect:

• Name and email address (account registration)
• Payment and billing information (processed by Stripe; we do not store raw card data)
• Financial data you input into modeling tools, including account balances, account types, income sources, estimated Social Security benefits, and retirement dates
• Professional information if you register as a financial advisor or tax professional
• Communications you send us, including support requests

2.2 Information Collected Automatically

When you use the Service, we automatically collect:

• Log data: IP address, browser type, pages visited, time and date of access, referring URL
• Device information: device type, operating system, and browser version
• Usage data: features used, session duration, and interaction patterns
• Cookies and similar tracking technologies (see Section 6)

2.3 Sensitive Financial Information

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Service
• Generate personalized retirement withdrawal modeling and analysis
• Process payments and manage your subscription
• Send transactional emails (account confirmation, receipts, password resets)
• Provide customer support and respond to inquiries
• Monitor and analyze usage patterns to improve product features
• Detect, prevent, and address fraud, security incidents, and technical issues
• Comply with legal obligations
• Send marketing communications, where you have consented (you may opt out at any time)

We do not use your financial inputs for advertising purposes or to build advertising profiles.

4. Legal Basis for Processing

We process your personal information on the following legal bases:

• Contract performance: to provide the Service you have signed up for
• Legitimate interests: to improve our Service, ensure security, and prevent fraud
• Legal obligation: to comply with applicable laws and regulations
• Consent: for marketing communications and non-essential cookies

5. How We Share Your Information

5.1 We Do Not Sell Your Data

5.2 Service Providers

We share your information with trusted third-party service providers who assist us in operating the Service, subject to confidentiality agreements. These include:

• Stripe, Inc. — payment processing (subject to Stripe's Privacy Policy)
• Supabase — database hosting and authentication infrastructure
• Render — cloud hosting and application infrastructure
• Google Workspace — business email and productivity
• Analytics providers — aggregated, anonymized usage analysis only

5.3 Legal Requirements

We may disclose your information if required by law, subpoena, court order, or governmental authority, or if we believe in good faith that such disclosure is necessary to protect our rights, your safety, or the safety of others.

5.4 Business Transfers

In the event of a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

5.5 Professional Users

If you are a financial professional using DrawDownIQ to analyze client data, you are solely responsible for ensuring you have appropriate authorization from your clients to input their financial data into third-party tools, in compliance with applicable fiduciary, privacy, and professional licensing obligations.

6. Cookies & Tracking

We use cookies and similar technologies to operate and improve the Service. You can control cookie settings through your browser. Disabling certain cookies may limit Service functionality.

• Essential cookies: required for the Service to function (login sessions, security)
• Analytics cookies: help us understand how users interact with the Service (aggregated, non-identifiable)
• Preference cookies: remember your settings and preferences

We do not use third-party advertising cookies or sell data to ad networks.

7. Data Security

We implement industry-standard technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit using TLS/SSL
• Encryption of sensitive data at rest
• Access controls limiting employee access to personal data on a need-to-know basis
• Regular security assessments and monitoring
• Incident response procedures

No method of electronic transmission or storage is 100% secure. While we take reasonable steps to protect your information, we cannot guarantee absolute security. In the event of a data breach affecting your rights, we will notify you as required by applicable law.

8. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. We will retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your account and associated data at any time by contacting support@drawdowniq.ai.

Financial modeling inputs may be retained in anonymized, aggregated form for product improvement purposes even after account deletion.

9. Your Rights (California Residents — CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: request disclosure of the personal information we collect, use, share, and sell
• Right to Delete: request deletion of your personal information, subject to certain exceptions
• Right to Correct: request correction of inaccurate personal information
• Right to Opt-Out of Sale: we do not sell personal information; this right is inapplicable
• Right to Limit Use of Sensitive Personal Information: request that we limit use of sensitive personal information to necessary service functions
• Right to Non-Discrimination: we will not discriminate against you for exercising your privacy rights

To exercise these rights, contact us at support@drawdowniq.ai with the subject line "Privacy Rights Request." We will respond within 45 days as required by law.

10. Children's Privacy

DrawDownIQ is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

11. Third-Party Links

The Service may contain links to third-party websites or resources. We are not responsible for the privacy practices of those third parties and encourage you to review their privacy policies independently.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page with a revised effective date and, where appropriate, by sending an email to your registered address. Your continued use of the Service after the effective date constitutes acceptance of the revised policy.

13. Contact Us

For privacy-related questions, requests, or concerns, please contact: