Last updated November 8, 2026
This Privacy Policy and Terms of Use ("Agreement") applies to all visitors ("Visitor") and users ("User") of cashbalancetool.com (the "Site"). "User" means any person who accesses the cash balance plan design tool (the "Platform") on the Site. The Site and Platform are operated by Gatta Actuarial Consulting LLC, a Massachusetts limited liability company ("GAC").
When you visit the Site, our website platform's built-in analytics collects standard usage information such as the pages you view, your device type, the page that referred you, and marketing campaign parameters (e.g., UTM tags) when you arrive via a link. As with any website, your IP address is visible to our servers as part of normal web traffic. We do not currently use third-party advertising or analytics pixels (such as LinkedIn, Meta, or Google Ads tracking) on the Site. If that changes in the future, we will update this policy to describe what those tools collect and how. The homepage shows a video hosted on YouTube: its preview image loads from YouTube's servers with the page, and YouTube's video player loads only if you press play, at which point YouTube's own privacy policy applies to that video.
GAC will keep census data, compensation figures, and other plan design inputs User submits through the Platform confidential, and will use that data solely to generate the retirement plan proposal(s) User requests. Before census data is used in calculations or saved, the Platform shortens it: names in an employee census become a first initial and last name, birth dates and hire dates are kept only to the month, and pay is rounded. Only this shortened version is used and saved with User's proposal; the original values are not saved within the Platform. GAC will not sell or share this data with third parties except as needed to operate the Platform (e.g., hosting providers) or as required by law. User should not enter Social Security numbers or other identifying information the Platform does not request.
User may use the proposal(s) generated through the Platform in the ordinary course of business, including, where User is an advisor or accountant, sharing them with the client to whom they pertain, or, where User is a business owner, using them to evaluate User's own plan. User agrees not to disclose, distribute, or reproduce GAC's underlying calculation methodologies, Platform content, or non-public materials outside of that permitted use, without GAC's prior written consent.
All calculations and outputs provided by the Platform are estimates for proposal purposes only, based on current IRS regulations and the data User provides. They do not constitute actuarial certification. Actual plan contributions may vary. All proposals must be reviewed and certified by a qualified enrolled actuary before plan implementation. GAC makes no representation or warranty that an illustrated plan design will achieve any particular tax deduction result or pass any nondiscrimination test.
THE SITE, THE PLATFORM, AND THEIR OUTPUTS ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR ACCURACY. THE PLATFORM IS PROVIDED FREE OF CHARGE FOR ILLUSTRATIVE PURPOSES ONLY, AND ALL OUTPUTS REQUIRE INDEPENDENT REVIEW BY A QUALIFIED ACTUARY BEFORE ANY RELIANCE OR IMPLEMENTATION, AS DESCRIBED IN SECTION 4. TO THE FULLEST EXTENT PERMITTED BY LAW, GAC WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM USE OF THE SITE OR PLATFORM, INCLUDING BUT NOT LIMITED TO ERRORS OR INACCURACIES IN CALCULATIONS OR OUTPUTS.
GAC retains data submitted through the Platform for as long as User keeps the corresponding proposal or draft saved in the Platform. User may delete a saved proposal or draft at any time, which removes the underlying data. Drafts are not automatically deleted based on plan year or age. General Site analytics data is retained per our website platform's standard practices. User is responsible for the accuracy of the data submitted and, where applicable, for obtaining any necessary client consent to share that data with GAC.
The Platform's software, actuarial methodologies, and underlying calculation logic are the exclusive property of GAC. Except for the limited right to use generated proposal outputs described in Section 3, no license to reproduce, modify, or distribute the Site, the Platform, or its underlying methodology is granted.
This Agreement is governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law provisions.
If any provision of this Agreement is found unenforceable, the remaining provisions remain in effect. This Agreement is the entire agreement between you and GAC regarding use of the Site and Platform, and supersedes any prior understanding on this subject. GAC may update this Agreement from time to time; continued use of the Site or Platform after an update constitutes acceptance of the revised terms.
Sections 1 and 4-9 apply to your general use of the Site. Sections 2-3 also apply when you agree to them before using the Platform's plan design tool.