Lontevis ("we," "us," or "our") is a product of Smart Technology Investments LLC. This Privacy Policy explains how we collect, use, and safeguard your information when you use our retirement withdrawal optimization services.

1. Information We Collect

Information you provide:

Email address (if you create an account)
Retirement profile data (age, portfolio balances, account types, SS benefits, state of residence, risk tolerance)
Payment information (processed by Stripe; we do not store card numbers)

Automatically collected:

IP address and approximate geolocation
Browser type, operating system, device type
Pages visited, time on page

2. How We Use Your Information

To compute retirement withdrawal optimization analyses
To generate Monte Carlo simulation reports
To process payments and manage credits
To improve the product

3. Financial Data Handling

The retirement profile data you provide (portfolio balances, account types, SS benefits) is used solely for computing optimization results. We do not sell financial data. Data entered without an account is processed in your browser and not stored on our servers.

4. Data Sources

Our models use publicly available datasets from SSA (life tables, bend points), IRS (tax brackets, RMD tables), FRED (historical returns), BLS (CPI), and CMS (IRMAA thresholds). We do not collect personal data from these sources.

5. Third-Party Services

Cloudflare -- CDN, Workers hosting, D1 database
Stripe -- Payment processing (PCI-DSS compliant)
Vercel -- Web application hosting

6. Your Rights

You may access, correct, or delete your data. Email privacy@smarttechinvest.com.

7. Data Security

We implement TLS encryption, encrypted storage, and access controls.

8. Contact

Smart Technology Investments LLC
Email: privacy@smarttechinvest.com