Privacy Policy

Effective Date: March 14, 2026 Last Updated: March 14, 2026

Retirement Actuarial Services LLC (“Retirement Actuarial Services,” “RAS,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us through retirementactuarialservices.com and any related websites, landing pages, forms, consultations, or communications that link to this Privacy Policy (collectively, the “Site”).

This Privacy Policy explains what information we collect, how we use it, when we share it, and the choices you may have regarding your information.

1. Information We Collect

We may collect the following categories of information:

A. Information You Provide Directly

When you fill out a form, book a consultation, contact us, subscribe to updates, request information, or otherwise communicate with us, we may collect:

  • Name
  • Email address
  • Phone number
  • Company name
  • Job title
  • Business details
  • Financial or retirement-planning-related information you choose to provide
  • Any other information you submit in a message, form, or attachment

B. Information Collected Automatically

When you visit the Site, we may automatically collect certain information, including:

  • IP address
  • Browser type and version
  • Device type
  • Operating system
  • Referring website
  • Pages viewed
  • Dates and times of visits
  • Time spent on pages
  • Clickstream or interaction data
  • Cookie identifiers and similar tracking information

C. Information from Third Parties

We may receive information from third-party sources such as:

  • Analytics providers
  • Advertising or marketing platforms
  • CRM or lead-management tools
  • Scheduling providers
  • Referral partners
  • Publicly available sources
  • Professional advisors or service providers acting at your direction

2. How We Use Information

We may use personal information to:

  • Provide and improve our website, services, and communications
  • Respond to inquiries and consultation requests
  • Evaluate whether our services may be a fit for your needs
  • Schedule meetings or follow up on requests
  • Send educational, service-related, or promotional communications
  • Operate, maintain, secure, and troubleshoot the Site
  • Analyze website usage and improve user experience
  • Maintain records and internal business operations
  • Comply with legal, regulatory, contractual, and compliance obligations
  • Protect our rights, users, business, and systems

3. Cookies and Tracking Technologies

We may use cookies, pixels, tags, session replay tools, and similar technologies to operate the Site, understand traffic patterns, remember preferences, and improve performance.

You may be able to control cookies through your browser settings. Please note that disabling certain cookies may affect Site functionality.

If required by applicable law, we will seek consent before placing non-essential cookies on your device.

4. How We Share Information

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

  • With service providers that help us operate our website, marketing, scheduling, communications, analytics, document storage, or business systems
  • With professional advisors, contractors, and consultants bound by appropriate confidentiality obligations
  • With referral partners or collaborating professionals, but only as needed to respond to your request, deliver services, or with your direction or consent
  • In connection with a merger, acquisition, financing, restructuring, sale of assets, or similar business transaction
  • To comply with law, regulation, subpoena, court order, or other legal process
  • To protect the rights, safety, and property of Retirement Actuarial Services, our clients, visitors, or others

5. Financial and Sensitive Information

Because our services may involve retirement planning, actuarial administration, tax-sensitive strategy discussions, or business financial information, you should submit only the information reasonably necessary for us to respond to your request.

Unless expressly stated otherwise, the Site is not intended to serve as a portal for transmitting highly sensitive personal information such as Social Security numbers, driver’s license numbers, full account credentials, or protected health information. Please do not send highly sensitive information through general website forms unless we specifically request it through a secure method.

6. Email and Marketing Communications

If you provide your contact information, we may send you updates, educational content, event invitations, or other marketing communications that may interest you.

You may opt out of promotional emails at any time by clicking the unsubscribe link in the message or by contacting us using the contact details below. Even if you opt out of marketing emails, we may still send you transactional or administrative communications.

7. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including to:

  • Provide services or respond to inquiries
  • Maintain business and tax records
  • Comply with legal and regulatory obligations
  • Resolve disputes
  • Enforce agreements
  • Prevent fraud and protect our systems

Retention periods may vary depending on the nature of the information and applicable legal requirements.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

However, no website, online transmission, or storage system can be guaranteed to be completely secure. You provide information at your own risk.

9. Your Privacy Rights

Depending on where you live, you may have certain privacy rights, which may include the right to:

  • Request access to personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information
  • Object to or restrict certain processing
  • Withdraw consent where processing is based on consent
  • Request information about how your data is used or disclosed
  • Appeal a denial of your request, where applicable

We may need to verify your identity before processing certain requests. To exercise any privacy rights available to you, please contact us using the details below.

10. Do Not Track

Some browsers offer a “Do Not Track” setting. Because there is not yet a universally accepted standard for responding to such signals, the Site may not respond to Do Not Track requests unless required by applicable law.

The Site may contain links to third-party websites, tools, or platforms. We are not responsible for the privacy practices, content, or security of those third parties. We encourage you to review their privacy policies before providing information.

12. Children’s Privacy

The Site is intended for adults and business users. It is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, please contact us so we can review and delete it as appropriate.

13. Interstate and International Visitors

If you access the Site from outside your state or country of residence, please note that your information may be transferred to, stored in, and processed in the United States or other jurisdictions where our service providers operate. By using the Site, you understand that your information may be processed in jurisdictions that may have different data protection laws than those in your location.

14. California and Other U.S. State Privacy Disclosures

If you are a resident of California or another state with an applicable privacy law, you may have additional rights regarding your personal information. If required, we will provide supplemental state-specific disclosures describing:

  • Categories of personal information collected
  • Sources of collection
  • Business purposes for use
  • Categories of third parties disclosed to
  • Rights to know, delete, correct, and opt out where applicable
  • How to submit a verifiable consumer request

You may request these supplemental disclosures by contacting us.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date above. Your continued use of the Site after changes become effective means you accept the updated Privacy Policy, to the extent permitted by law.

16. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us at: Retirement Actuarial Services LLC 2520 Saint Rose Pkwy, Suite 217 Henderson, NV 89074 United States Email:privacy@retirementactuarialservices.comPhone: 800-297-4987 Website:retirementactuarialservices.com