Privacy Policy

Effective Date: 2026-04-29
Operator: Decus PTE. LTD.
Contact: contact@decus.co

This Privacy Policy explains how Decus PTE. LTD. (“we,” “us,” or “our”) collects, uses, stores, shares, and protects information when you access or use our websites, blogs, tools, applications, and related services (collectively, the “Services”). This policy also explains how we use cookies and similar technologies on the Services.

This policy is intended to serve as a general privacy policy for our websites and applications, including content sites, blogs, analytics tools, calculators, and other web applications that we may publish or operate from time to time.

1. Information We Collect

We may collect the following categories of information, depending on the specific Service you use.

Information You Provide Directly

You may choose to provide information such as:

Usage and Technical Information

When you access or use the Services, we may automatically collect certain technical and usage information, such as:

Content and Tool Inputs

If you use one of our tools or applications, we may process the information, prompts, parameters, files, or content you submit in order to provide the requested functionality.

Please do not submit confidential, proprietary, regulated, or sensitive personal information into any public or experimental tool unless we have expressly agreed in writing to handle that information.

2. Cookies and Similar Technologies

We use cookies, local storage, session storage, and similar technologies to operate, secure, and improve the Services.

Cookies are small text files placed on your device when you visit a website. Cookies help websites function, remember your preferences, measure usage, and improve user experience.

We may also use related technologies such as local storage, session storage, pixels, tags, and similar browser-based technologies.

These technologies may be used to:

Some cookies or similar technologies are necessary for the Services to function properly.

Types of Cookies We May Use

Essential Cookies

These cookies support core functionality such as page navigation, security, authentication, session management, and load balancing.

Without these cookies, some parts of the Services may not work properly.

Analytics Cookies

We may use analytics cookies to understand how visitors interact with our websites and applications, such as which pages are visited, how long visitors stay, and which features are used.

Google Analytics

We use Google Analytics 4 (GA4) to understand how visitors use our websites and applications.

GA4 may collect information such as:

GA4 uses cookies and similar technologies to collect analytics information.

We use GA4 data to:

We do not intend to use Google Analytics to collect personally identifiable information, and Google prohibits sending personally identifiable information to Analytics.

Google’s use of analytics data is governed by the Google Analytics Terms of Service and Google Privacy Policy.

You can limit analytics tracking by:

Some cookies may be set by third-party providers whose services we use, such as analytics providers, authentication providers, embedded content providers, or infrastructure vendors. Their handling of data is governed by their own privacy policies and terms.

In some jurisdictions, analytics cookies and other non-essential cookies require prior consent before they are set.

At present, our Services may not implement region-specific consent handling across all products. Users who do not wish to allow analytics or similar cookies should adjust their browser settings or avoid using the relevant Services.

If we later use advertising, remarketing, session replay, or additional non-essential tracking technologies, we may update this policy and, where required by law, request consent before using them.

3. How We Use Information

We may use information to:

We may also use aggregated, anonymized, or de-identified information for product improvement, analytics, research, or business operations.

4. Third-Party Services

We may use third-party providers to operate the Services, such as hosting providers, analytics providers, AI model or API providers, authentication providers, database providers, infrastructure vendors, and professional advisers.

Depending on the Service, these providers may process data on our behalf in order to host content, deliver application features, authenticate users, analyze traffic, or support operations.

5. How We Share Information

We may share information with:

We do not sell personal information in the ordinary sense of selling user lists for money.

6. Data Retention

We retain information for as long as reasonably necessary to:

We may retain aggregated, anonymized, or de-identified information for a longer period.

7. International Transfers

We may process and store information in jurisdictions outside your country or region, including where our service providers operate.

By using the Services, you understand that your information may be transferred to and processed in countries with different data protection laws from those in your jurisdiction.

8. Security

We use reasonable technical and organizational measures designed to protect information against unauthorized access, loss, misuse, or disclosure.

However, no method of storage or transmission over the internet is completely secure, and we cannot guarantee absolute security.

9. Your Choices and Rights

Depending on your location and applicable law, you may have rights to:

To make a request, contact us at contact@decus.co.

10. Children

The Services are not intended for children under 13 years old, or the equivalent minimum age in your jurisdiction. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we may post an updated version on the relevant website or application, or provide notice where appropriate.

Your continued use of the Services after the updated Privacy Policy becomes effective means you accept the revised policy.

12. Contact

For privacy questions or requests, contact:

Decus PTE. LTD.
Email: contact@decus.co
Address: 20A Tanjong Pagar Road, Singapore

About this FIRE Monte Carlo Simulator

FIRE Monte Carlo is a free, browser-based Safe Withdrawal Rate (SWR) simulator for long-term retirement and FIRE (Financial Independence, Retire Early) planning. It runs Monte Carlo simulations on a portfolio that can include Bitcoin (BTC), global equity (e.g. VWRA), bonds, credit/income assets, and cash, then visualizes the probability that the portfolio survives a given withdrawal plan over decades.

Unlike the simplistic “4% rule”, this tool lets you set your own assumptions: expected real returns, volatility, correlations, BTC allocation, De-DCA schedules to gradually rotate BTC into other assets, fixed-real or guardrail-based variable withdrawals, and simulation horizons up to 50+ years.

Key features

Who it is for

Frequently asked questions

What is a Safe Withdrawal Rate (SWR)?

The Safe Withdrawal Rate is the percentage of an initial portfolio that can be withdrawn each year, adjusted for inflation, with a high probability that the portfolio lasts the full retirement horizon. The classic Trinity Study popularized the “4% rule” over 30 years; this simulator lets you test your own SWR over your own horizon and asset mix.

How does this tool handle Bitcoin?

BTC is treated as a distinct asset class with its own expected return and volatility. You can set any BTC allocation, and use the De-DCA feature to model a schedule that gradually sells BTC and rotates the proceeds into global equity or other assets to reduce tail risk over time.

What is De-DCA?

De-DCA (Dollar-Cost Averaging out) is a rule that gradually reduces BTC weight over a defined period, the mirror image of DCA-in. It helps test whether a phased exit from a concentrated BTC position improves survival probability versus holding the allocation constant.

What are guardrails (variable withdrawal)?

Guardrails (Guyton-Klinger style) reduce withdrawals after bad market years and increase them after good years, instead of withdrawing a fixed real amount no matter what. This typically improves survival probability at the cost of variable income.

Is this financial advice?

No. FIRE Monte Carlo is an educational tool for comparing assumptions, not a forecast. It does not model taxes, ETF tracking error, derivatives, lending, or any tax-advantaged account specifics. Always consult a qualified advisor before acting on any retirement plan.

Is the simulator free? Do you store my data?

Yes, it is free to use in the browser. The simulator does not require an account. Inputs are sent to the simulation backend to compute results and are not stored or shared.