Privacy Policy

1. Introduction

This Privacy Policy explains how we collect, use, and protect your information when you submit a form or interact with our ads, including ads shown on TikTok, Meta, and other advertising platforms. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

2. Information We Collect

2.1 Personal Information You Provide

We may collect the following information when you submit a form:

• Name
• Phone number
• Email address
• State of residence
• Basic questionnaire answers (non-health related)
• Retirement goals and timeline
• Current financial situation (retirement savings, income, assets)
• Investment preferences and risk tolerance
• Employment status

Important: We do not request or store medical information, protected health information, or sensitive biometric data.

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address and device identifiers
• Browser type and version
• Operating system
• Referring URLs and pages visited
• Date and time stamps
• Clickstream data

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activities. You can set your browser to refuse cookies, but this may limit your ability to use certain features of our website.

3. How We Use Your Information

We use your information to:

• Contact you about the service you requested
• Connect you with licensed agents or partners who can assist you
• Improve our advertising and website performance
• Verify your form submission and prevent fraud
• Provide customer support
• Match you with appropriate financial advisors based on your needs and preferences
• Analyze usage trends and optimize user experience
• Comply with legal obligations

4. How We Share Your Information

4.1 Licensed Agents and Financial Advisors

We may share your information with licensed insurance agents, financial advisors, or service providers who contact you about your request. By submitting your information, you consent to us sharing it with these third-party professionals who may contact you via phone, email, or text message.

4.2 Third-Party Service Providers

We may share your information with third-party vendors who help us with:

• Lead processing and analytics
• Marketing and advertising optimization
• Cloud hosting and data storage providers
• Email service providers
• Customer relationship management (CRM) systems

4.3 Advertising Platforms

We share information with platforms like TikTok, Meta (Facebook/Instagram), and other advertising networks for:

• Ad attribution and campaign optimization
• Conversion tracking and analytics
• Audience targeting and retargeting

We do not sell your information for unrelated purposes.

4.4 Legal Requirements

We may disclose your information if required to do so by law or in response to:

• Subpoenas or court orders
• Requests from government authorities
• Legal processes or investigations
• Protection of our rights, property, or safety
• Prevention of fraud or illegal activities

4.5 Business Transfers

In the event of a merger, acquisition, reorganization, bankruptcy, or sale of assets, your information may be transferred to the successor entity.

4.6 With Your Consent

We may share your information for any other purpose with your explicit consent.

5. Your Privacy Rights

5.1 General Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt out of marketing communications
• Object to processing of your information
• Request data portability

5.2 State Privacy Rights

Depending on your state, you may have additional privacy rights including:

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale or sharing of personal information for advertising
• Right to opt-out of data sharing used for targeted advertising or marketing
• Right to non-discrimination for exercising your privacy rights

To make a request, contact us at the information below. We will verify your identity before processing your request.

5.3 Do Not Track Signals

Our website does not currently respond to "Do Not Track" signals from browsers.

6. Consent to Contact (TCPA)

By submitting your information, you agree that:

• You may be contacted by phone call, text message, or email
• Contact may be made using automated dialing systems or prerecorded messages
• You may be contacted even if your number is on a Do Not Call list
• Standard message and data rates may apply
• Your consent is not required to make a purchase
• You can opt out at any time by replying "STOP" to text messages

To opt out of phone calls or for other opt-out requests, please contact us at the information provided below.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication
• Employee training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Data Retention

We retain your information only as long as necessary to:

• Provide the service you requested
• Meet legal and regulatory requirements
• Maintain accurate business records

When we no longer need your information, we will securely delete or anonymize it.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. By using our services, you consent to the transfer of your information to the United States and other countries.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have questions or want to exercise your privacy rights, contact us: