Privacy policy

These tools are run by me, Mario, the person behind Kind of Lost (kindoflost.com). Contact: mario@kindoflost.com.

What you send

To run the optimizer the tool needs the numbers you enter: age, pay, retirement age, spending, account balances, plan features, filing status and assumptions. You send them by filling in the form on the web page or through an AI assistant connected to the MCP server. With an assistant, I never see your conversation, only what the assistant chooses to send to the tool.

What I keep

• Your numbers are not kept. They are held in memory while the optimizer runs and are then discarded. They are not written to a disk or a database, not used to train any model, not sold and not shared, and they are not sent to any other service: the calculation happens entirely on my server.
• Saved scenarios stay in your browser. If you save a scenario on the web page, it is stored in your own browser (local storage) and never reaches my server. You can delete it from the page or by clearing your browser's site data.
• Run log. For each run attempt, on the web page or through the MCP server, I record one anonymous row in a Google Sheet with these fields and nothing else: date and time; the tool name; the event (optimize); the country (from the network, not from anything you typed); the device type (desktop or mobile); the number of years in the plan; a second number (the number of years until retirement for an assistant, or your filing status, single or married, for the web page); how many seconds the solve took; the result (ok, or the reason it did not finish, such as rate_limited, busy, no_plan or a short input-error message with the numbers removed); how the data was sent (the web form, its spend-down mode, or mcp); the page that linked to the tool (web page only); and whether the caller looks like a person or a script. No salary, balances, ages, spending, names, email or IP address is in that row. Only runs are logged: listing the tools, fetching the example or checking a request does not create a row.
• Email. Only if you choose to subscribe for updates, I store the time, which tool you subscribed from, your email address and the page you were on, in a separate sheet, only to send those updates. You can ask me to delete it at any time.

The web pages use Google Analytics to count visits. To stop any one caller from overloading the server, the calling IP address is held in memory for up to 10 minutes for rate limiting only (the optimizer endpoint of the MCP server and the email form); it is not written anywhere. If the optimizer crashes, the error details (not your inputs) are written to the hosting server's log.

MCP server for AI assistants (roth-vs-traditional-calculator.kindoflost.com/mcp)

Everything above applies. What the assistant does with the results it gets back is governed by that assistant's own privacy policy.

How your data is protected

• Encryption in transit. The web tool and the MCP server are served over HTTPS (TLS).
• Restricted access. Only I, the developer, can access the server and its configuration.
• No AI/ML training. Data sent to the tool is not used to develop, improve or train AI or machine-learning models, by me or by anyone else.
• Hosting. The server runs on Render (render.com) in the United States. Render provides the infrastructure only.

Not tax advice

The results are an optimization under the assumptions you give, not tax, legal or financial advice.

Changes

If this policy changes, the new version will be posted on this page with a new date.