Privacy Policy

Resilient Retirement Blueprint app · M3 Financial Freedom Lab Effective date: October 5, 2026

This policy explains what information the Resilient Retirement Blueprint app ("the app," "we," "us") collects, how we use it, and the choices you have. The app is an educational tool from the M3 Financial Freedom Lab. It does not provide investment, tax, insurance or legal advice.

Information you give us

Account details: your name and email address when you register or sign in.
Planning information you enter: retirement goals, budgets, worksheet answers, scenario inputs, and any account names, balances and asset allocations you choose to type in. You decide what to enter. The app does not connect to your bank or brokerage accounts.
Messages: questions you type into the app's AI assistant or AI analysis tools, and anything you send us by email.

Information collected automatically

Usage information: pages viewed, chapters and quizzes completed, and similar activity, so the app can track your progress.
Technical information: browser type, device type and similar data our hosting provider records to keep the service running and secure.
Browser storage: the app uses cookies and local storage to keep you signed in and remember your settings. We do not use advertising cookies.

How we use your information

To provide the app: save your progress, worksheets, goals and scenarios, and show your dashboard.
To generate the AI-assisted educational observations you request.
To respond to your questions and support requests.
To keep the app secure and improve it.
To send account and service messages. If you also join our email list, you can unsubscribe from marketing emails at any time.

We do not sell your personal information, and we do not use it for third-party advertising.

AI features

When you use the AI assistant or AI analysis tools, the information needed to answer your request (for example, the figures you entered) is sent to the AI model providers that power those features through our hosting platform. Their output is educational and may be inaccurate. Please don't enter Social Security numbers, account numbers or passwords anywhere in the app.

Who we share information with

Service providers that run the app for us, including our hosting and database platform (Base44) and the AI model providers behind the AI features. They may use your information only to provide services to us.
Legal reasons: if required by law, or to protect the rights, safety and security of our users or the app.
Business transfers: if the app is sold or transferred, your information may move with it, under this policy.

How long we keep it

We keep your information while your account is active. If you ask us to delete your account, we will delete or de-identify your information within a reasonable time, unless we must keep some of it to meet legal obligations.

Your choices and rights

You can view and update most of your information in the app. To request a copy of your data, a correction, or deletion of your account, email course@m3freedomlab.com. Depending on where you live, you may have additional rights under state privacy laws; we will honor them as required.

Security

We use reasonable safeguards provided by our hosting platform, including encrypted connections. No system is perfectly secure, so please use a strong, unique password.

Children

The app is intended for adults. We do not knowingly collect information from anyone under 18.

Changes to this policy

We may update this policy. If we make material changes, we will update the effective date and let you know in the app or by email.

Contact

M3 Financial Freedom Lab · course@m3freedomlab.com