Privacy Policy

Effective Date: June 1, 2026 | Last Updated: June 1, 2026

This Privacy Policy describes how Retirement Ready 101, and the licensed independent insurance agents who use this platform ("we," "us," or "our"), collect, use, and share information about you when you visit our websites, register for our events, or communicate with us. By using our services, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

We collect the following types of information:

Personal identification information: first name, last name, email address, phone number
Event registration data: date, time, and location preferences for Medicare and retirement educational seminars
Usage data: IP address, browser type, pages visited, time spent on pages
Cookie data: we use cookies and similar tracking technologies to track activity on our website
SMS consent: when you check the SMS consent checkbox on our registration form, we record your consent to receive text message reminders

2. How We Use Your Information

To register you for free educational seminars and workshops
To send you event reminders, confirmations, and follow-up communications via email and SMS
To respond to your questions and provide Medicare and retirement planning guidance
To improve our website and services
To comply with legal obligations
To send you relevant educational information (only with your consent)

3. SMS / Text Message Communications

By checking the SMS consent checkbox on our registration form, you expressly consent to receive text message reminders and communications from us regarding your event registration and educational information.

Message types: event reminders, registration confirmations, and follow-up educational messages
Message frequency: message frequency varies. You may receive up to 5 messages per registered event
Message & data rates: message and data rates may apply depending on your mobile carrier and plan
Opt-out: you may opt out of SMS messages at any time by replying STOP to any message. After opting out, you will receive one final confirmation message
Help: reply HELP to any message for assistance, or use the contact information provided to you by the agent you're working with
Carriers: we are not responsible for delayed or undelivered messages. Carrier support may vary

We do not sell, rent, or share your mobile phone number or SMS consent data with third parties for their marketing purposes.

4. Cookie & Tracking Practices

We use cookies and similar tracking technologies, including the Meta (Facebook) Pixel, to track visitor activity on our website. This helps us understand how people interact with our pages and improve our advertising.

Essential cookies: required for the website to function properly
Analytics cookies: help us understand how visitors use our site
Advertising cookies: used to deliver relevant ads and track conversions (Meta Pixel)

You can control cookie settings through your browser settings. Disabling cookies may affect the functionality of our website.

5. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

Service providers: third-party vendors who help us operate our website and services (including CRM and email delivery platforms)
Insurance carriers: if you choose to enroll in a plan, relevant information may be shared with the carrier you select
Legal requirements: when required by law or to protect our rights

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes SSL encryption on all web forms and secure storage of contact data in our CRM system.

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.

7. Your Rights

Access: request a copy of the personal information we hold about you
Correction: request correction of inaccurate or incomplete information
Deletion: request deletion of your personal information
Opt-out of SMS: reply STOP to any text message at any time
Opt-out of email: click the unsubscribe link in any email

To exercise any of these rights, contact the agent you registered with, or reach us using the information below.

8. Mobile Information Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information obtained through SMS consent will not be shared with third parties for their own marketing purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If you believe we have inadvertently collected such information, please contact us immediately.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page with an updated effective date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy or your personal information, please contact us:

Retirement Ready 101
Email: [email protected]
Website: www.retirementready101.org