Confident Retirement Journey

Last Updated: March 14, 2025

Introduction and Overview

Confident Retirement Journey (“we,” “our,” or “the Company”) is committed to protecting your privacy and safeguarding the personal information you entrust to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website (confidentretirementjourney.com) or engage with our financial advisory services.

We recognize the sensitive nature of financial and personal information and maintain strict protocols to ensure its security and confidentiality. This policy is designed to help you understand our practices and make informed decisions about sharing your information with us.

Information We Collect

Personal Information

We collect personally identifiable information that you voluntarily provide to us, which may include:

• Contact information (name, email address, phone number, mailing address)
• Date of birth and Social Security Number
• Financial information (income, assets, liabilities, investment holdings)
• Employment details (current employer, position, salary)
• Family information (marital status, dependents)
• Retirement goals and preferences
• Account credentials when you register for our client portal

Automatically Collected Information

We automatically collect certain information when you visit our website:

• IP address and device identifiers
• Browser type and operating system
• Pages visited and time spent on our website
• Referring websites and search terms
• Geographic location (at the city level)
• Technical information about your connection and device capabilities

Information from Third Parties

We may receive information about you from third parties, including:

• Financial institutions where you hold accounts (with your authorization)
• Credit reporting agencies for verification purposes
• Professional advisors such as accountants or attorneys (with your consent)
• Marketing and data analytics providers

How We Use Your Information

We use your personal information for the following purposes:

Providing and Improving Our Services

• Creating and managing your client account
• Developing personalized retirement strategies and recommendations
• Processing transactions and account activities
• Analyzing your financial situation and retirement needs
• Enhancing and improving our website and services
• Conducting internal research and analysis

Communication and Support

• Responding to your inquiries and service requests
• Sending account statements and financial updates
• Providing educational resources related to retirement planning
• Delivering important notices about your accounts or our services
• Sending newsletters and relevant retirement planning information

Legal and Operational Purposes

• Complying with regulatory requirements and legal obligations
• Verifying your identity and preventing fraud
• Maintaining the security of our systems and services
• Enforcing our Terms of Service and other agreements
• Processing employment applications (if applicable)

Marketing (Subject to Your Preferences)

• Informing you about products, services, or events that may interest you
• Delivering targeted content and advertisements
• Conducting surveys and collecting feedback about our services

Sharing Your Information

We may share your information with the following categories of recipients:

Service Providers

We share information with trusted third-party service providers who perform services on our behalf, including:

• Technology providers that maintain our website and client portal
• Customer relationship management systems
• Financial software platforms used for analysis and planning
• Payment processors and financial institutions
• Marketing and communications vendors
• Professional services firms (accounting, legal)

These service providers are contractually obligated to protect your information and may only use it for the specific purposes we authorize.

Financial Partners

With your consent, we may share information with:

• Financial institutions holding your accounts
• Insurance companies (for relevant financial products)
• Investment platforms and custodians
• Other professional advisors working on your behalf

Legal and Regulatory Sharing

We may disclose your information:

• In response to a court order, subpoena, or similar legal process
• To comply with federal, state, or local laws
• To regulatory bodies such as the Securities and Exchange Commission
• To protect against fraud or verify your identity
• To protect our rights, property, or safety, or that of our clients

Business Transfers

If Confident Retirement Journey undergoes a merger, acquisition, or asset sale, your personal information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

No Sale of Information

We do not sell, rent, or lease your personal information to third parties. We will not share your personal information with non-affiliated third parties for their marketing purposes without your explicit consent.

Your Privacy Choices and Rights

You have several rights and choices regarding your personal information:

Access and Correction

You have the right to:

• Access the personal information we maintain about you
• Request corrections to inaccurate or incomplete information
• Receive a copy of your personal information in a structured, electronic format

Communication Preferences

You may manage your communication preferences by:

• Selecting your preferred contact methods in your account settings
• Opting out of marketing communications through the unsubscribe link provided in emails
• Contacting our client services team to update your preferences

Account Closure

You may request closure of your account and deletion of personal information, subject to legal retention requirements and legitimate business purposes.

State-Specific Privacy Rights

Depending on your state of residence, you may have additional privacy rights. We comply with applicable state privacy laws, including the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Virginia Consumer Data Protection Act (VCDPA), Colorado Privacy Act (CPA), and others as they become effective.

Residents of states with comprehensive privacy laws may have rights to:

• Request deletion of personal information
• Opt out of certain types of data processing
• Limit the use and disclosure of sensitive personal information
• Non-discrimination for exercising these rights

To exercise these rights, please contact us using the information provided in the “Contact Us” section below.

Data Security

We implement appropriate technical, administrative, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. These measures include:

• Encryption of sensitive personal information
• Secure client portal with multi-factor authentication
• Regular security assessments and penetration testing
• Access controls and authentication mechanisms
• Employee training on privacy and information security
• Secure facilities and systems with monitoring

While we take reasonable measures to protect your information, no security system is impenetrable. We cannot guarantee the absolute security of your information transmitted to our website or stored in our systems.

Cookies and Similar Technologies

What We Use

Our website uses cookies, web beacons, and similar technologies to improve functionality and enhance your experience:

• Essential cookies for website operation and security
• Functional cookies that remember your preferences
• Analytics cookies that help us understand how visitors use our site
• Marketing cookies that enable personalized content

Your Cookie Choices

You can manage cookies through your browser settings:

• Most browsers allow you to block or delete cookies
• Our website may provide a cookie preference center
• Disabling certain cookies may limit your ability to use some features of our website

For more detailed information about the specific cookies we use and how to manage them, please refer to our Cookie Policy.

Retention of Information

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

• The duration of our relationship with you
• Legal obligations to retain data for certain periods
• Relevant statutes of limitations
• Regulatory requirements for financial services firms
• Legitimate business purposes

When personal information is no longer needed, we securely delete or anonymize it.

Children’s Privacy

Our website and services are not directed to children under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently received personal information from a child under the age of 18, we will delete the information from our records.

If you believe we might have collected information from a child under 18, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable laws. We will post the revised policy on our website with an updated effective date.

For significant changes, we will provide notification through our website or by sending you an email. We encourage you to review this Privacy Policy periodically to stay informed about our information practices.

Your continued use of our website or services after changes to the Privacy Policy constitutes your acceptance of the revised terms.

International Data Transfers

While Confident Retirement Journey primarily serves clients in the United States, our website may be accessed internationally. If you access our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.

By using our services, you consent to the transfer of your information to the United States, which may have different data protection rules than those in your country.

Contact Us

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

By Mail:
Privacy Officer
Confident Retirement Journey
1200 Financial Plaza, Suite 400
Phoenix, AZ 85012

By Phone:
(800) 555-7896

By Email:
privacy@confidentretirementjourney.com

We will respond to your request within a reasonable timeframe and in accordance with applicable laws.

Effective Date

This Privacy Policy is effective as of March 14, 2025.