Topic
Retirement
401k, IRA, retirement planning
401k, IRA, retirement planning
Last updated: May 6th, 2025
By accessing or using the Services, you agree to these Terms of Service ("Terms") and our Privacy, Cookie, and Security Policies. You must be 18 years or older and reside in the United States to create an account. If you do not agree, do not use the Services.
MinMaxDoc provides educational content, investment simulators, and algorithmic robo‑suggestions. We do not execute trades nor act as your broker, dealer, or fiduciary. All content is for informational and entertainment purposes only.
You must provide accurate information, keep credentials confidential, and promptly notify us of unauthorized use. 2‑factor authentication is optional but strongly recommended.
Plans: Free, Plus, Pro, Ultimate. Details and current pricing appear on our Pricing page.
Billing Cycle: Monthly or annual, via Stripe. Fees auto‑renew until canceled.
Cancellation & Refunds: Cancel anytime in account settings; access continues until period end. All fees are non‑refundable.
You agree not to:
We use Google Analytics to analyze site usage and Google AdSense to display advertisements. By using our Services, you consent to:
You can manage your preferences for analytics and advertising through our consent management tool.
The Services do not constitute investment, legal, or tax advice. Simulations and projections are hypothetical and not guarantees of future performance. Investing in securities involves risk, including loss of principal. You are solely responsible for decisions you make based on the Services. For a plain‑English explanation of how our optimizer works and its limitations, see our Methodology page.
To the maximum extent permitted by law, MinMaxDoc is not liable for indirect or consequential damages or any loss arising from investment decisions. Our total liability shall not exceed the greater of (i) fees paid by you in the twelve months prior to the claim or (ii) $100.
Any dispute shall be resolved by binding arbitration under JAMS rules in New York County, New York. You waive any right to participate in class actions. Either party may seek preliminary injunctive relief in court.
All content and software are owned by MinMaxDoc or its licensors. You receive a limited, non‑transferable license for personal, non‑commercial use.
We may suspend or terminate accounts for violation of these Terms. You may delete your account at any time.
Governing Law: New York, USA. Severability, No Waiver, and Entire Agreement clauses apply.
Contact: [click to reveal]
Last updated: May 6th, 2025
MinMaxDoc LLC ("MinMaxDoc," "we," "our," or "us") respects your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit MinMaxDoc.com and use our applications, tools, and services (collectively, the "Services").
This Privacy Policy applies to all visitors, users, and others who access the Services from within the United States. By using our Services, you agree to the collection and use of information in accordance with this policy.
| Category | Examples | Source |
|---|---|---|
| Personal Identifiers | Name, email address, postal address, phone number, date of birth | Provided by you during account creation or updates |
| Account Credentials | Username, hashed password, optional 2‑factor authentication secret | Provided by you |
| Financial Profile Data | Risk tolerance, investment goals, asset allocations entered into simulators | Provided by you |
| Usage Data | IP address, browser type, device ID, pages visited, actions taken | Collected automatically via Google Analytics and cookies |
| Cookie & Tracking Data | Unique cookie IDs, advertising identifiers, consent preferences | Collected automatically via cookies & pixels |
We do not intentionally collect information from children under 13, and persons under 18 may not use the Services.
We use information to:
We do not sell or rent your personal information. We may share it:
We retain personal information while your account is active and for two (2) years after account deletion, after which we delete or anonymize it unless retention is required by law. Analytics data is retained according to Google's data retention policies.
We use SSL/TLS encryption, hashed passwords, and other safeguards; see our Security Policy.
We may update this Policy periodically. Material changes will be posted here with a revised date and, if significant, we will notify you by email.
MinMaxDoc LLC
Cherokee Station PO Box 20321
New York, NY 10075
Email: [click to reveal]
Last updated: May 6th, 2025
Cookies are small text files stored on your device by your browser. We also use similar technologies (pixels, local storage) (collectively "cookies").
| Category | Purpose | Examples |
|---|---|---|
| Essential | Site login, session management, security | sessionid, csrftoken |
| Analytics | Understand site usage, improve features | Google Analytics (_ga, gid) |
| Functional | Remember preferences (e.g., dark mode) | theme, risk_pref |
| Advertising | Measure Google Ads campaigns and display personalized ads | gads, gcl_au |
We use Google AdSense to display advertisements on our website. These ads may be personalized based on your browsing behavior and interests. You can control your ad preferences through our consent management tool.
We may update this Cookie Policy; check the "Last Updated" date.
Questions: [click to reveal]
Last updated: May 6th, 2025
MinMaxDoc is committed to protecting your data through industry‑standard technical and organizational measures.
Encryption in Transit & at Rest: All traffic is encrypted via SSL/TLS. Sensitive data (passwords, API keys) is encrypted or hashed (bcrypt).
Hosting: Services run on Google Cloud Platform (GCP) in U.S. regions within ISO 27001‑certified data centers.
Network Security: Firewalls, network segmentation, and continuous monitoring guard against unauthorized access.
Penetration Testing: We perform annual third‑party penetration tests and remediate findings promptly.
Backups & DR: Encrypted backups are taken daily with a 30‑day retention and verified restore procedures.
Access Controls: Role‑based access; least‑privilege principle. Multifactor authentication required for administrative access.
Security Training: All personnel complete annual security awareness training.
Incident Response: A documented plan enables rapid detection, containment, and notification.
If you discover a vulnerability, email [click to reveal] with details. Please give us a reasonable opportunity to respond before any public disclosure, and do not access, modify, or delete data belonging to other users while testing. We appreciate responsible researchers and will acknowledge valid reports, typically within 3 business days. This page is the disclosure policy referenced by our security.txt (RFC 9116).
Security practices evolve; we may update this Policy. Material changes will be posted.