Privacy Policy

Fikata LLC ("Fikata," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Fikata website, applications, calculators, and related services (collectively, the "Service"). Please read this policy carefully. By using the Service, you consent to the practices described herein.

1. Information We Collect

a) Information You Provide

• Account information: Email address when you request calculator results or create an account in the Fikata app.
• Financial data: Income, savings, investment balances, debt amounts, and other financial figures you enter into our calculators and planning tools. This data is provided voluntarily and is used solely to generate your personalized results.
• Communications: Messages you send to our customer support channels.

b) Information Collected Automatically

• Usage data: Pages visited, features used, time spent on the Service, and referring URLs.
• Device data: Browser type, operating system, screen resolution, and IP address.
• Cookies: We use essential cookies to maintain your session and optional analytics cookies to improve the Service. You may disable non-essential cookies in your browser settings.

2. How We Use Your Information

We use your information to:

• Provide, operate, and improve the Service.
• Generate personalized financial calculations and projections based on data you input.
• Send you product announcements and educational content (only if you opted in).
• Respond to your inquiries and provide customer support.
• Analyze usage patterns to improve performance, design, and reliability.
• Comply with legal obligations and enforce our Terms of Service.

3. Your Financial Data Is Protected

• We do not sell your data. Your personal and financial information is never sold, rented, leased, or traded to third parties for marketing, advertising, or any other purpose.
• We do not share your data with third parties except as strictly necessary to operate the Service (e.g., hosting infrastructure, email delivery) or as required by law.
• Financial data you enter into our calculators is not stored on our servers. Calculator inputs and results are processed client-side in your browser and are not transmitted to or retained by Fikata unless you explicitly request it (e.g., emailing results to yourself).
• We do not connect to your bank, brokerage, or financial accounts. Fikata does not use account aggregation services or access your financial institutions. All data is manually entered by you.

4. Third-Party Service Providers

We may share limited information with trusted service providers who assist us in operating the Service, including:

• Hosting: Cloud infrastructure providers (e.g., Cloudflare) for website delivery and performance.
• Email: Email service providers for sending beta updates and transactional emails.
• Analytics: Privacy- respecting analytics tools to understand how users interact with the Service.
• Security: Bot protection (Cloudflare Turnstile) when you request results by email, which checks technical information about your browser and connection.

These providers are contractually obligated to protect your data and may only use it to perform services on our behalf.

5. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission (TLS/SSL), access controls, and regular security reviews. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. If you request deletion of your account or data, we will remove your personally identifiable information within 30 days, except where retention is required for legal compliance.

7. Your Rights

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

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal data.
• Opt out of marketing communications at any time.
• Request a portable copy of your data in a standard format.

To exercise any of these rights, contact us at privacy@fikata.com.

8. Children's Privacy

The Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected data from a child under 18, we will take steps to delete that information promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the Service after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: