Privacy Policy

1. Introduction

RetireReady Financial Services ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or engage with our retirement planning tools and resources.

By accessing or using our services, you agree to this Privacy Policy. If you do not agree with the terms of this policy, please do not access our website or use our services.

2. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide, including:

• Name, email address, phone number, and mailing address
• Date of birth and Social Security Number (for account verification)
• Financial information including income, assets, and investment goals
• Employment information and retirement account details
• Login credentials and account preferences

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on each page
• Referring website and exit pages
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide personalized retirement planning recommendations
• Process transactions and manage your account
• Send important updates about your investments and account
• Improve our website, products, and services
• Respond to your inquiries and provide customer support
• Comply with legal and regulatory requirements
• Detect and prevent fraud or unauthorized access
• Send marketing communications (with your consent)

4. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third parties who assist in operating our website and providing services
• Financial Partners: Investment custodians, broker-dealers, and insurance companies
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you have given us permission to share your information

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

• 256-bit SSL encryption for data transmission
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Employee training on data protection practices
• Physical security measures at our data centers

6. Your Rights and Choices

You have the right to:

• Access and review your personal information
• Request correction of inaccurate data
• Request deletion of your personal information
• Opt-out of marketing communications
• Disable cookies through your browser settings
• Request a copy of your data in a portable format

7. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. To exercise these rights, please contact us using the information provided below.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: