FreeQDRO
Privacy Policy
Last updated 2026-09-06
FreeQDRO is built on a simple promise: the tools are free, and we do not make money from your data. There are no ad networks, no advertising trackers, no data brokers, and we never sell or share your personal information. This policy says exactly what we do and don’t collect.
Your calculations stay in your browser
The calculators run entirely on your device. The numbers you enter - incomes, custody details, account balances - are processed locally in your browser to produce the result. They are not sent to our servers, not logged, and not stored.
What an account stores
If you create a free account, we store only your email address and a securely hashed (bcrypt) version of your password - never the password itself. That’s it. We use it solely to let you sign in. We do not email you marketing.
Cookies
We set one cookie of our own: a signed, http-only session cookie after you sign in, so you stay logged in. It is not used for tracking or advertising. When the traffic measurement described next is running, Google Analytics sets its own cookies to tell a returning browser from a new one. We use no advertising cookies.
Traffic measurement
We use Google Analytics 4 to count visits and see which tools get used, in aggregate. Google signals, advertising features, and ad personalization are turned off, Google Analytics 4 does not log or store IP addresses, and nothing about your account or the figures you type is sent to it. If your browser sends a Do Not Track header or a Global Privacy Control signal, the analytics script is not loaded at all: no request, no cookie. We run no advertising pixels, session recorders, or other third-party scripts. Standard server logs may briefly record request metadata (such as IP address) for security and reliability; these are not used to profile you and are not shared.
Document preparation is ephemeral
When a tool assembles a document for you (such as the retirement-order preparer), your answers are sent once, over an encrypted connection, to our document generator. The generator builds the document in memory, streams the file straight back to your browser, and keeps nothing: no saved documents, no database record, no content in any log. When your download finishes, the information no longer exists on our side - and it is never used to train anything.
Document review has two layers, one of them on our server
The QDRO review tool (the Scrutinizer) parses your file in your browser and runs its checklist layer entirely there. The deeper, AI-assisted layer runs by default for signed-in, verified reviews: the document text is sent once, over an encrypted connection, to our server, which passes it to an AI model to produce additional findings. We do not store or log the document text. The findings appear on screen; our server holds them in memory for no more than fifteen minutes so that your browser can collect them and so that re-running the same document does not repeat the model call, then discards them. The deeper layer is capped in size and rate limited. To keep a document on your device entirely, check “Skip the deeper review for this document” before running; the choice is remembered in your browser, and with it checked nothing about the document leaves the page.
Your choices
You can stop using an account at any time. To have your account and email deleted, contact us and we will remove it.
Contact
Privacy questions or a request to delete your account? Use our contact form.
Changes
If this policy changes, we’ll update the date above and describe what changed here. 2026-09-06: the deeper, AI-assisted layer of the document review now runs by default for signed-in reviews rather than on request; the review section above describes what is sent, what is kept (nothing), and the per-document skip. 2026-09-05: added the traffic-measurement section. Analytics went live on 2026-08-26, and until that update the page still said we ran none; that gap was ours, and this page now describes exactly what runs. 2026-09-05 also first described the AI-assisted review layer.
FreeQDRO provides informational estimates for self-help use and is not legal advice. See our Terms.