Privacy Policy

1. Introduction

Asymmetria AI (“we”, “us”, “our”) operates OtiumPath. This Privacy Policy explains how we collect, use, and protect your information.

2. Information We Collect

2.1 Information You Provide

• Account Information: Email address, name, password (hashed)
• Financial Profile Data: Age, income, savings rates, retirement goals
• Lifestyle Preferences: Retirement lifestyle archetype, location preferences
• Account Balances: Investment account types and balances (entered manually or parsed from uploaded statements)
• Employer Benefits: 401k match details, HSA availability

2.2 Information Collected Automatically

• Usage Data: Pages visited, features used, time spent
• Device Information: Browser type, IP address, device type
• Cookies: Session management, preferences

2.3 Document Processing

When you upload financial documents (statements, pay stubs):

• Documents are processed temporarily to extract relevant data
• We do not store the original documents long-term
• Extracted data is stored in your profile

3. How We Use Your Information

We use your information to:

• Provide personalized retirement projections and recommendations
• Calculate Freedom Number and portfolio targets
• Generate investment allocation suggestions
• Improve and personalize the Service
• Communicate important updates
• Ensure security and prevent fraud

4. Information Sharing

We may share information:

• With service providers (hosting, analytics) under strict confidentiality
• If required by law or legal process
• To protect our rights or safety
• With your explicit consent

5. Data Security

We implement reasonable security measures including:

• Encryption of data in transit (HTTPS/TLS)
• Hashed passwords (bcrypt)
• Secure token-based authentication
• Access controls and monitoring

However, no system is 100% secure. You use the Service at your own risk.

6. Data Retention

• Account Data: Retained while your account is active
• Usage Logs: Retained for up to 90 days
• Deleted Accounts: Data removed within 30 days of deletion request

7. Your Rights

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

• Access your personal data
• Correct inaccurate data
• Delete your account and data
• Export your data
• Withdraw consent

To exercise these rights, contact: asymmetria.ai@gmail.com

8. California Residents (CCPA)

California residents have additional rights under CCPA:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale (we do not sell data)
• Right to non-discrimination

9. Children's Privacy

OtiumPath is not intended for users under 18. We do not knowingly collect information from children.

10. Third-Party Services

We use:

• Google Gemini AI: For financial advice chat and document parsing
• Hosting Providers: Vercel, Railway
• Error Tracking: Sentry

These services have their own privacy policies.

11. Changes to This Policy

We may update this Privacy Policy. We will notify you of material changes via email or prominent notice in the Service.

12. Contact Us

For privacy questions or requests: asymmetria.ai@gmail.com