1. Who We Are

FIREPath (“FIREPath,” “we,” “us,” or “our”) is published by Actigence (actigence.ai) and operates the website gofirepath.com and the FIREPath web application, a FIRE (Financial Independence, Retire Early) planning calculator.

2. Information We Collect

2a. Usage and Analytics Data

We use Google Analytics 4 (GA4) to collect anonymized usage data, including pages visited, session duration, browser type, operating system, and approximate geographic location (country/region level). GA4 uses cookies to distinguish users. This data helps us understand how the calculator is used and improve the product. How analytics starts depends on your location. In the EEA, UK, and Switzerland, consent is collected by Google's certified consent message (a Google Funding Choices consent management platform); until you consent, Google Analytics runs with analytics storage denied, so it sets no analytics cookies and receives only limited, cookieless signals. Elsewhere (e.g. the United States), analytics loads on your first visit under a notice-and-opt-out model. Use the “Do Not Sell or Share My Personal Information / Manage Consent” link in the site footer to open a notice with a Decline button (if we cannot determine your country, the link opens Google's consent message where Google offers one and otherwise a notice with a Decline button, and on pages without ads it brings you to this page). Decline tells Google to deny analytics and advertising storage straight away. Your choice is saved in your browser (local storage key firepath_cookie_consent), is not sent to our servers, and is applied again on every later visit.

2b. Log Data

Our hosting provider (Vercel) automatically collects server logs including IP addresses, request timestamps, HTTP status codes, and referrer URLs. These logs are retained for a short period (typically 30 days) for security and debugging purposes and are not used for marketing.

2c. Locally Computed Data

Calculator inputs are processed in your browser and are not transmitted to or stored on our servers. All FIRE calculations you perform are computed entirely in your browser using JavaScript running on your device — no network request carries your slider values, and the analytics events we send carry at most a coarse size band of the result (for example whether the target amount is under $500,000), never the exact figures you entered.

3. What We Do Not Collect

We do not collect your Social Security Number, government ID, or passport details.
We do not collect precise geolocation.
We do not collect sensitive financial account numbers (bank account numbers, brokerage login credentials, etc.). The numbers you enter into the FIRE calculator are assumptions you provide, not pulled from live financial accounts.
We do not sell your personal data to third parties.
Visitors may see display ads served by Google AdSense. Advertising cookies are subject to geo-differentiated consent: visitors in the EEA, UK, and Switzerland choose in Google's certified consent message before personalized advertising cookies are set; visitors elsewhere (e.g. the United States) operate under a notice-and-opt-out model. See Section 4c for details and opt-out options.

4. Cookies and Tracking Technologies

We use the following types of cookies and similar technologies:

4a. Strictly Necessary Cookies

These cookies are required for the site to function. FIREPath sets a first-party cookie named visitor_countrythat holds a two-letter country code taken from your request, so the notice that fits your region can be shown; it expires after one day. If you make a cookie choice, it is saved in your browser's local storage under firepath_cookie_consent and is not sent to our servers.

4b. Analytics Cookies (Non-Essential)

Google Analytics 4 sets first-party cookies (such as _ga and _ga_*) to measure user behavior. For visitors in the EEA, UK, and Switzerland, these cookies are set only after you consent in Google's certified consent message (opt-in required). For visitors elsewhere (e.g. the United States), analytics loads on your first visit under a notice-and-opt-out model; you may opt out at any time by choosing Decline in the notice opened from the footer link (if we cannot determine your country, the link opens Google's consent message where Google offers one and otherwise a notice with a Decline button, and on pages without ads it brings you to this page), clearing your browser cookies, or using the Google Analytics Opt-out Browser Add-on.

4c. Advertising Cookies (Non-Essential)

Visitors may see display advertisements served by Google AdSense, a third-party advertising network operated by Google LLC. Google AdSense uses cookies and similar tracking technologies to serve ads that may be personalized to your interests based on your browsing activity. These cookies are set by Google, not by FIREPath.

We use Google Consent Mode v2 to implement geo-differentiated consent:

EEA, UK, and Switzerland (opt-in):Consent is collected by Google's certified consent message (a Google Funding Choices consent management platform), which is the only consent screen shown there; our own cookie notice is not shown. Personalized-advertising and analytics cookies are set only afteryou grant consent in that message. Until you consent, ads run in a non-personalized / limited mode. The “Do Not Sell or Share My Personal Information / Manage Consent” link in the site footer reopens Google's message so you can change or withdraw your choice.
United States and other regions (notice-and-opt-out): Advertising and analytics cookies load on your first visit, consistent with applicable US and CCPA standards. The “Do Not Sell or Share My Personal Information / Manage Consent” link in the site footer opens a notice with a Decline button (if we cannot determine your country, the link opens Google's consent message where Google offers one and otherwise a notice with a Decline button, and on pages without ads it brings you to this page); Decline tells Google to deny advertising and analytics storage straight away, and the choice is saved in your browser and applied again on each later visit. You can also opt out through the options listed below.

You can opt out of personalized advertising at any time:

Google Ad Settings — control how Google uses your data to show you ads.
www.aboutads.info/choices — opt out of interest-based advertising from participating companies.

4d. Third-party vendors and ad networks used on this site

Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to gofirepath.com and/or other sites on the internet.

These are the third parties gofirepath.com actually loads or sends you to. No other third-party script, tracker, or ad network runs on this site:

Google AdSense (pagead2.googlesyndication.com, googleads.g.doubleclick.net) — Google may show ads, including automatically placed ads, on content pages, and delivers its certified consent message (Google Funding Choices) to visitors in the EEA, UK, and Switzerland. Google AdSense is the only advertising network loaded on this site. See How Google uses cookies in advertising.
Google Analytics 4 (www.googletagmanager.com) — aggregate traffic measurement, subject to the consent posture described in Section 4b. The measurement tag is loaded only on the production gofirepath.com hostname, never on preview deployments. The page address we send to Google has the URL fragment stripped, so the FIRE figures you enter (which live in that fragment when you share a scenario) are never transmitted to Google Analytics.
Vercel— hosting and content delivery. Vercel processes request metadata (IP address, user agent, referrer) in server logs to deliver the site, and provides the country-level signal we use to decide which consent posture applies to your visit (Section 4b).

Web fonts are self-hosted with the site's own assets, so loading a FIREPath page makes no request to Google Fonts. The FIRE calculations you run are computed in your browser; the figures you enter reach none of the vendors above.

You can opt out of personalized advertising from Google at Google Ad Settings, and from many other vendors at www.aboutads.info/choices. Opting out does not remove advertising; it makes the ads you see non-personalized.

4e. How to Manage Cookies

You can control cookies through your browser settings. In the EEA, UK, and Switzerland, use the footer link to reopen the consent message; elsewhere, use the footer link to open our notice and choose “Decline” (if we cannot determine your country, the link opens Google's consent message where Google offers one and otherwise a notice with a Decline button, and on pages without ads it brings you to this page). For Google Analytics specifically, you may also use the Google Analytics Opt-out Browser Add-on.To opt out of interest-based advertising or exercise your “Do Not Sell or Share My Personal Information” right, use the link in the site footer or visit Google Ad Settings / aboutads.info.

5. How We Use Your Information

To provide and maintain the FIREPath service.
To analyze aggregate usage patterns (via GA4) to improve the calculator and user experience — subject to geo-differentiated consent as described in Section 4b.
To display advertisements via Google AdSense (subject to geo-differentiated consent as described in Section 4c).
To respond to your support inquiries and communications.
To detect and prevent fraud, abuse, and security incidents.
To comply with legal obligations.

6. Affiliate Links Disclosure

FIREPath may include affiliate links to third-party financial products, services, or tools. If you click an affiliate link and make a purchase or open an account, we may receive a commission at no additional cost to you. Affiliate relationships do not influence the objectivity of our educational content or calculator methodology. We only link to services we believe are relevant to FIRE planning.

7. Important Financial Disclaimer

FIREPath is a financial planning tool for educational and informational purposes only. The calculations, projections, and estimates it provides are based on simplified mathematical models and assumptions you enter. They do not constitute financial advice, investment advice, tax advice, or legal advice. Results are not guarantees of future performance. Past market performance does not predict future results. Real investment returns vary and may be lower or higher than the rates you assume. Always consult a qualified financial advisor, tax professional, or attorney before making significant financial decisions.

8. Sharing Your Information

We share your personal data only in the following circumstances:

Google Analytics:Anonymous usage statistics. Sent after consent for EEA/UK/Switzerland visitors; sent on first visit under notice-and-opt-out for visitors elsewhere (see Section 4b).
Google AdSense:Third-party display advertising. Google may set advertising cookies and receive page-level data (such as the page URL and a pseudonymous identifier) to serve and measure ads. For EEA, UK, and Swiss visitors this occurs only after consent is granted; for visitors elsewhere it occurs on the first visit under a notice-and-opt-out model. Google's use of data is governed by Google's Privacy Policy.
Vercel: Our hosting provider, which processes server request data necessary to deliver the service.
Legal requirements: We may disclose information if required by applicable law, court order, or government authority.
Business transfer: If FIREPath is acquired or merges with another entity, your data may transfer as part of that transaction, subject to the same privacy protections.

We do not sell, rent, or trade your personal information to third parties for money. When advertising is enabled, our use of Google AdSense to serve personalized ads may qualify as "sharing" for cross-context behavioral advertising under California law (see Section 10b); you can opt out via the "Do Not Sell or Share My Personal Information" link in the site footer, Google Ad Settings, or aboutads.info. We never share the financial figures you enter into the calculator with advertisers.

9. Data Retention

Server logs: Typically retained for 30 days.
Analytics data:Subject to Google Analytics' own retention settings.

10. Your Rights

10a. GDPR Rights (EEA and UK Residents)

If you are located in the European Economic Area (EEA) or United Kingdom, you have the following rights under the General Data Protection Regulation (GDPR) or UK GDPR:

Access: Request a copy of the personal data we hold about you.
Rectification: Request correction of inaccurate or incomplete data.
Erasure: Request deletion of your personal data (“right to be forgotten”).
Restriction: Request that we restrict processing of your data.
Data portability: Receive your data in a structured, machine-readable format.
Object: Object to processing based on legitimate interests.
Withdraw consent: If processing is based on consent (e.g., analytics or advertising cookies), you may withdraw it at any time without affecting the lawfulness of prior processing.
Lodge a complaint: You have the right to complain to your local data protection authority.

Our legal basis for processing your data: analytics and advertising cookies are processed on the basis of consent; server logs are processed for legitimate interests (security and abuse prevention).

10b. CCPA Rights (California Residents)

If you are a California resident, the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) grants you:

Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you.
Right to Delete: Request deletion of your personal information.
Right to Correct: Request correction of inaccurate personal information.
Right to Opt-Out of Sale or Sharing:We do not sell personal information for money. Visitors may have data shared with Google AdSense for interest-based advertising under a notice-and-opt-out model, which may constitute “sharing” for cross-context behavioral advertising under the CPRA. You may opt out or withdraw consent at any time via the “Do Not Sell or Share My Personal Information” link in the site footer, Google Ad Settings, or www.aboutads.info/choices.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To exercise any of these rights, contact us at contact@actigence.ai. We will respond within 45 days.

11. Children's Privacy

FIREPath is not directed to children under the age of 13 (or 16 in the EEA). We do not knowingly collect personal data from children. If you believe we have inadvertently collected information from a child, please contact us at contact@actigence.ai and we will promptly delete it.

12. Security

We implement industry-standard security measures including HTTPS encryption for all data in transit. No method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

13. International Data Transfers

Your data may be processed in the United States and other countries where our service providers (Google, Vercel) operate. If you are located in the EEA or UK, we rely on our service providers' Standard Contractual Clauses or other approved transfer mechanisms to ensure your data is protected.

14. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised policy on this page with an updated effective date. Your continued use of FIREPath after the effective date constitutes acceptance of the revised policy.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:

FIREPath, published by Actigence
Email: contact@actigence.ai
Website: gofirepath.com