This Privacy Policy explains how [Legal Entity Name] ("PrincipalGuard," "we," "us," or "our") collects, uses, and shares information when you visit [principalguardretirement.com] (the "Site") or submit a request through our forms. PrincipalGuard operates a marketing and lead-referral service and connects interested consumers with independently licensed insurance and financial professionals.
1. Information We Collect
We collect information you provide directly and information collected automatically:
- Information you provide: name, email address, phone number, state of residence, and the answers you give in our survey (such as age range, retirement timing, investable-asset range, plan types, and related preferences).
- Consent records: when you submit a form, we record the consent language you agreed to, along with the date, time, and IP address of your submission.
- Automatically collected: IP address, browser type, device information, referring URLs, and marketing attribution parameters (such as UTM tags), collected via cookies and similar technologies.
2. How We Use Your Information
- To connect you with one or more independently licensed professionals who can respond to your request.
- To contact you by phone, text, and email about retirement products and services, consistent with the consent you provided.
- To operate, measure, and improve our marketing and the Site.
- To maintain records, prevent fraud and abuse, and comply with legal obligations.
3. How We Share Your Information
- Licensed professional partners: we share your submission with one or more licensed professionals (including [Partner / Advisor Name]) so they may contact you regarding your request.
- Service providers: we use vendors that process data on our behalf, including our customer-relationship-management and messaging platform ([GoHighLevel]) and hosting and analytics providers.
- Legal and safety: we may disclose information to comply with law, enforce our terms, or protect rights, property, or safety.
We do not sell your personal information for money. Sharing your information with licensed professionals for marketing may be considered a "sale" or "sharing" under certain state laws; see Section 7 for your choices.
4. Text Messaging & Calls (TCPA)
By submitting a form and checking the consent box, you agree to be contacted at the phone number you provide by phone and text, including through automated technology, even if your number is on a Do-Not-Call list. Consent is not a condition of any purchase. Message frequency varies; message and data rates may apply. Reply STOP to opt out of texts and HELP for help.
5. Cookies & Analytics
We use cookies and similar technologies to run the Site, remember preferences, and measure marketing performance. You can control cookies through your browser settings; disabling them may affect Site functionality.
6. Data Retention & Security
We retain your information for as long as needed to provide our services, comply with legal obligations, resolve disputes, and enforce agreements. We use reasonable administrative and technical safeguards to protect your information, though no method of transmission or storage is completely secure.
7. Your Privacy Rights
Depending on your state of residence, you may have the right to access, correct, or delete your personal information, and to opt out of certain sharing or targeted advertising. Residents of [California/Virginia/Colorado/etc.] may have additional rights under applicable law, including the right to opt out of the "sale" or "sharing" of personal information. To make a request, contact us at [privacy@ email]. We will not discriminate against you for exercising these rights.
8. Children's Privacy
The Site is intended for adults and is not directed to individuals under 18. We do not knowingly collect information from children.
9. Changes to This Policy
We may update this Policy from time to time. The "Effective date" above reflects the most recent revision.
10. Contact Us
[Legal Entity Name]
[Mailing Address]
[Phone] | [Email]