Privacy Policy
1. Who We Are
seniorsaudit.com ("Seniors Audit," "we," "us," or "our") is an independent educational website founded and operated by Emmanuel Tuyishimire. We are not affiliated with, endorsed by, or connected to any government agency, including but not limited to the Social Security Administration (SSA), the Internal Revenue Service (IRS), the Centers for Medicare & Medicaid Services (CMS), or the Department of Health and Human Services (HHS).
Our website address is: https://www.seniorsaudit.com
This Privacy Policy describes how we handle information when you visit our website, use our calculators, or contact us. By using our website, you acknowledge that you have read and understood this policy.
2. Information We Collect
We collect the minimum amount of information necessary to operate and improve this website. We categorize information as follows:
A. Information You Voluntarily Provide
If you choose to contact us using our contact form or by email, you may provide your name, email address, and the contents of your message. This information is used solely to respond to your inquiry. We do not add you to any mailing list without your explicit consent, and we do not share this information with third parties.
B. Automatically Collected Technical Information
When you visit our website, our web server and analytics tools may automatically collect standard technical data that web browsers routinely send, including:
- Your Internet Protocol (IP) address (anonymized or truncated where technically possible)
- Browser type and version
- Operating system type
- The page URL you visited
- The date and time of your visit
- The referring page (the page that linked you to ours), if any
This technical data is used only for site performance monitoring, troubleshooting, and understanding general traffic patterns. It is not linked to any personal identity.
C. Calculator Input Data
See Section 3 (Calculator Privacy) for a complete explanation of how we handle numbers you enter into our calculators. In short: we do not collect or transmit them.
3. Calculator Privacy
Our interactive calculators — including tools for Social Security benefits, Medicare IRMAA surcharges, Required Minimum Distributions (RMDs), and other retirement calculations — are designed with a core privacy principle:
When you close the browser tab or refresh the page, your calculator inputs are cleared. We do not use local storage or session storage to persist your calculator data between visits unless a specific calculator tool explicitly states otherwise and offers you a clear choice.
You can verify this behavior by using your browser's developer tools (Network tab) to confirm that no data is being sent to a server when you enter calculator values.
4. Cookies and Analytics
A. What Are Cookies
Cookies are small text files that websites store on your device to remember preferences or track behavior across visits. There are many types of cookies, ranging from essential functional cookies (needed for the site to work) to targeted advertising cookies (used to build user profiles and serve ads).
B. Our Cookie Policy
Seniors Audit does not use targeted advertising cookies. We do not use cookies to build user profiles, retarget you with ads, or track you across other websites. We do not sell your browsing data to advertising networks.
We may use the following minimal, privacy-respecting tools:
- Google Analytics 4: We use Google Analytics 4 (Measurement ID:
G-XVX92VDPCE) to measure user interactions across our website, such as pages viewed, calculators used, and engagement metrics. Google Analytics uses first-party cookies to collect standard internet log information and visitor behavior in an aggregate, anonymized manner. We have IP anonymization enabled. You can opt out of Google Analytics tracking across all websites by installing the Google Analytics Opt-out Browser Add-on. - Ahrefs Analytics: We use Ahrefs Analytics to understand aggregate, anonymous information — such as how many visitors viewed a page, which guides are most helpful, and how traffic changes over time. Ahrefs Analytics does not use cookies for individual tracking, does not create personal user profiles, and does not share data with advertising networks. The only data collected is standard pageview data (page URL, referrer, device type, country). No personal identifying information is collected or stored. You can review Ahrefs' privacy practices at ahrefs.com/big-data.
- Essential functional cookies: Some basic cookies may be used by our hosting infrastructure for security (e.g., bot protection, rate limiting). These are not used for tracking purposes.
C. How to Control Cookies
You can configure your browser to reject all cookies, accept only certain types, or notify you before cookies are stored. Instructions for managing cookies are available in your browser's help documentation. Note that disabling cookies will not affect the functionality of our calculators or guides, as they do not require cookies to operate.
5. Advertising & Digital Products
A. Display Advertising
This site displays advertising from third-party advertising partners to help keep our free tools and guides available at no cost to visitors. Our current advertising partners include:
- Mediavine (Journey by Mediavine): Mediavine manages the display advertising on this site. Mediavine and its advertising partners, including Google, may use cookies and similar technologies to serve ads, limit how often you see an ad, and measure performance. You can learn more about Mediavine's data practices at mediavine.com/privacy-policy.
- Google: Google, as a third-party vendor, may use cookies to serve ads shown through Mediavine. Google's use of advertising cookies enables it and its partners to serve ads based on your visits to this and other sites. You can learn how Google uses data at policies.google.com/technologies/partner-sites and manage ad personalization at adssettings.google.com.
Third-party advertising vendors may use cookies to serve ads based on a user's prior visits to this website or other websites on the internet. Seniors Audit does not set first-party advertising or tracking cookies on your device.
- Any ads displayed on this site will be clearly separate from editorial content. No advertiser influences our guides, calculator formulas, or editorial recommendations.
- We do not sell advertising space directly to insurance companies, Medicare Advantage plan marketers, or financial product sellers in a way that would create a conflict of interest with our educational mission.
- Third-party advertising vendors, including Google, may collect and use data about your visits to this and other websites in order to provide relevant advertising. This data collection is governed by the privacy policy of each respective advertising partner.
- You may opt out of personalized advertising by visiting Google Ads Settings, optout.aboutads.info (DAA opt-out), or optout.networkadvertising.org (NAI opt-out).
- Visitors in the European Economic Area, the United Kingdom and Switzerland may be asked for consent through a consent message before personalized ads are shown.
B. Optional Educational Guides
Optional educational guides are sold separately on Gumroad as supplementary tools. Purchases are governed by Gumroad's terms and privacy policy. This site does not collect, process, or store payment details. Gumroad shares purchaser name and email with us to fulfill orders; we do not sell or share this information.
C. AI-Assisted Content
Some content on this site is drafted with the help of AI tools. All factual claims, calculations, and figures are independently verified against official government sources (SSA, IRS, CMS) and reviewed by a human editor before publication. See our About page for more detail on our editorial process.
D. What We Do Not Do
We do not sell advertising space in a way that compromises editorial independence. We do not accept commissions, referral fees, or lead-generation payments for directing users toward any insurance plan, Medicare Advantage plan, financial product, or investment service. We do not sell your personal data to any advertiser, broker, or data aggregator.
6. Contact Form Data
If you contact us via our website's contact form or a published email address, we receive your name, email address, and your message. We use this information for the sole purpose of reading and responding to your question.
We do not:
- Sell your email address or contact details to any third party.
- Share your inquiry with any affiliate, advertiser, or partner.
- Add you to any marketing or newsletter mailing list without your explicit opt-in consent.
Contact messages are retained only as long as reasonably necessary to manage correspondence and are not kept beyond what is operationally needed.
7. Third-Party Links
Our website contains links to official government websites (such as SSA.gov, IRS.gov, Medicare.gov, and HHS.gov) and, where relevant, to reputable third-party educational or informational resources. We also link to our social media profiles on YouTube, Facebook, LinkedIn, and Reddit.
These third-party websites have their own independent privacy policies. We have no control over their content or data practices. We strongly encourage you to review the privacy policy of any website you visit through a link from ours.
A link from Seniors Audit to a third-party website does not constitute an endorsement of that site's privacy practices, products, or services.
9. Data Security
We take reasonable and appropriate technical and organizational measures to protect the limited information we do hold (primarily, contact form correspondence) from unauthorized access, disclosure, or loss. Our website uses HTTPS encryption for all connections.
However, no system of security is perfect or impenetrable. While we do our best to protect your information, we cannot guarantee the absolute security of any data transmitted over the internet. We encourage you to take steps to protect your own information, such as avoiding the sharing of sensitive personal financial details in contact form messages.
10. Children's Privacy
Seniors Audit is intended for adult audiences — specifically seniors, retirees, and their caregivers. Our content is not directed toward children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected personal information from a child under 13, we will promptly delete that information.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us at the address listed in Section 13 so we can take appropriate action.
11. Your Rights
Because we collect very little personal information and do not engage in data sales or profiling, many typical data rights concerns do not apply. Nevertheless, we respect your rights under applicable laws:
- Access: You may request a summary of any personal data we hold about you (which, for most visitors, is nothing beyond any contact form messages you have sent).
- Deletion: You may request that we delete any correspondence or personal information you have shared with us via contact form or email.
- Correction: If you believe any information we hold is inaccurate, you may request that it be corrected.
To exercise any of these rights, contact us using the information in Section 13. We will respond within a reasonable timeframe.
If you are a resident of California, the European Union, the United Kingdom, or another jurisdiction with specific data protection laws (such as the CCPA/CPRA or GDPR), the above rights apply to you. We do not sell personal information as defined under the CCPA. We use privacy-first analytics (Ahrefs Analytics) that does not use cookies for individual tracking. When display advertising is active on this site, our third-party advertising partner may engage in interest-based advertising activities that may constitute "sharing" under California law or require consent under GDPR/UK GDPR — opt-out mechanisms are described in Section 5 (Advertising) of this policy. California residents also have the right to opt out of such "sharing" of personal information for cross-context behavioral advertising by using the opt-out links provided in Section 5.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last Updated" date at the top of this page.
We encourage you to review this page periodically. Your continued use of Seniors Audit after any changes become effective constitutes your acceptance of the updated Privacy Policy.
13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, or if you wish to exercise any of your data rights, please contact us:
8. Social Media Platforms
Seniors Audit maintains official, publicly accessible profiles on the following social media platforms:
When you interact with our content on these platforms (such as liking a video, leaving a comment, or sending a direct message), that interaction is subject to the privacy policy of the respective platform — not this Privacy Policy. We encourage you to review the privacy policies of YouTube, Facebook, LinkedIn, and Reddit independently.
We do not embed social media trackers or tracking pixels from these platforms on our website pages.