Privacy Policy
This Privacy Policy explains what information 401k Decoded (“we”, “us”) collects through 401kdecoded.com and how we use it. We keep it deliberately simple, because we collect deliberately little.
1. What we collect
- Email address and first name — only if you voluntarily submit the opt-in form to receive the free 2026 401(k) Cheat Sheet and our educational emails.
- Information you choose to send us — if you suggest a topic, report an issue, or contact us by email, we receive your email address and the contents of your message.
- Basic technical logs — our hosting and content-delivery providers (e.g. Cloudflare) may process standard server logs (IP address, browser type, pages requested) to serve and secure the site.
Please do not send sensitive personal or financial information, including Social Security or taxpayer identification numbers, account numbers, login credentials, balances, plan statements, employer or plan identifiers, or payment information. We provide general education and cannot review an individual account or plan.
This website itself does not set advertising or analytics tracking cookies.
2. How we use your information
- To deliver the Cheat Sheet you requested and send our educational email series about 401(k) rules and retirement topics.
- To reply if you contact us, review a possible correction, and use recurring questions to improve our general educational content.
Your message, name, and email address are not displayed on the website automatically. We will ask before using any identifiable wording from a private message.
We do not sell, rent or trade your personal information.
3. Who processes it
Our email list and email delivery are operated through EmailOctopus (Email Octopus Ltd), which processes your name and email address on our behalf as a service provider. Our website, opt-in forms and file downloads are hosted and delivered through Cloudflare.
4. Unsubscribing
Every email we send contains an unsubscribe link. One click and you are removed from the list — no questions, no delays.
5. Your rights
You may request access to, correction of, or deletion of the personal information we hold about you at any time by emailing contact@401kdecoded.com. Depending on where you live (including the EU/EEA and California), you may have additional statutory rights; we honor reasonable requests regardless of jurisdiction.
6. Children
This site provides retirement education and is not directed to children under 16. We do not knowingly collect personal information from children.
7. Changes
If we change this policy, we will update this page and its effective date. Material changes to how we use your email will be announced by email.
8. Contact
401k Decoded — contact@401kdecoded.com