Privacy Policy
Last updated: October 2, 2026
In short: We collect what we need to run your account and the program: your name, email, firm details, the work you save, and billing status. Card payments are handled by Stripe; we never see your full card number. We do not sell your information, and we do not use advertising or tracking cookies.
1. Who we are
This policy explains how Investments Illustrated Solutions, Inc., doing business as Investments Illustrated ("Investments Illustrated", "we", "us", "our") collects, uses and protects personal information in connection with The Big Picture safe withdrawal rate program at app.investmentsillustrated.com (the "Service"). We are responsible for the personal information we hold. We handle it in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws.
2. Information we collect
Information you give us
- Account details: your name, email address and password. Your password is stored by our sign-in provider in encrypted (hashed) form; we cannot read it.
- Report details: details you choose to add for your client reports, such as your credentials, firm name, phone number, email address and logo.
- Your saved work: the scenarios and portfolios you save, including the names you give them. Scenario names may include client names if you choose to use them.
- Messages: what you send us when you contact us for support.
Information from payments
Stripe processes all payments. Stripe collects your card details directly; we receive only your subscription status, plan, billing dates and the information needed to manage your subscription. Stripe's handling of your information is described in Stripe's privacy policy.
Information collected automatically
When you use the Service, our hosting and database providers record standard technical information, such as your IP address, browser type, and the date and time of requests, to operate and secure the Service. Your browser stores a sign-in token so you stay signed in. We do not use advertising or cross-site tracking cookies.
Client reports
When you download a report, our server creates the PDF from the report on your screen and sends it to you. We do not keep a copy of the report or any text you add to it.
3. How we use information
- to provide the Service, including saving your work and producing your reports;
- to manage your trial, subscription and payments;
- to send emails needed to run your account, such as sign-in links, receipts and billing or service notices;
- to respond to your questions and provide support;
- to keep the Service secure, prevent fraud and misuse, and enforce our Terms of Service;
- to understand how the Service is used, in aggregate, and to improve it; and
- to comply with legal, tax and accounting obligations.
We send product news and other marketing emails only with your consent or as otherwise permitted by Canada's anti-spam law, and you can unsubscribe at any time.
4. How we share information
We do not sell or rent your personal information. We share it only with service providers that help us run the Service, under agreements that require them to protect it and use it only on our behalf:
- Supabase: sign-in and database (your account, report details and saved work);
- Vercel: website hosting and calculations;
- Stripe: payments and subscription billing;
- Resend: delivery of account emails;
- Google Fonts: your browser loads the program's typeface from Google, which receives your IP address when it does.
We may also disclose information if required by law, to protect our rights or the safety of others, or as part of a sale or reorganization of our business, in which case it would remain subject to this policy.
5. Where information is stored
Our service providers store and process information in the United States and may process it in other countries. Information stored outside Canada is subject to the laws of those countries and may be accessible to their authorities.
6. How long we keep information
We keep your account and saved work while you have an account. If your subscription ends, we keep them for at least 12 months so they are there if you subscribe again, and then may delete them. You can ask us to delete your account and saved work at any time. We keep billing records for as long as tax and accounting laws require.
7. How we protect information
All connections to the Service are encrypted. Access to your saved work is restricted to your account, and our staff and providers access personal information only as needed to operate the Service. No system is perfectly secure, but we take reasonable measures to protect your information and will notify you and the authorities of a breach as required by law.
8. Your choices and rights
You can view and update your report details in Settings at any time. You may also ask us to give you access to the personal information we hold about you, correct it, or delete it, and you may withdraw consent to optional uses such as marketing emails. To make a request, email us at the address below; we will respond within 30 days. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada.
9. Clients' information
If you enter information about your clients, such as names in scenario titles, you are responsible for having the right to do so. We use it only to provide the Service to you. Please do not enter sensitive information such as account or government identification numbers.
10. Children
The Service is for professionals and is not intended for anyone under 18. We do not knowingly collect information from children.
11. Changes to this policy
We may update this policy from time to time. If we make a material change, we will tell you by email or in the Service before it takes effect.
12. Contact us
Questions or requests about privacy can be sent to our privacy contact:
Investments Illustrated Solutions, Inc.
10846 Taylor Arm Drive, Port Alberni, British Columbia V9Y 9A4, Canada
info@investmentsillustrated.com