This Privacy Policy explains how Retirement Red Zone (“we,” “us,” or “our”) collects, uses, shares, and protects your information when you interact with our Facebook page, our advertisements and lead forms, or when you call, text, message, or otherwise communicate with us. By submitting your information to us or using our services, you agree to the practices described in this Policy.

Not affiliated with the government. Retirement Red Zone is a private insurance and retirement-information service. We are not connected with, endorsed by, or acting on behalf of the Social Security Administration, Medicare, the federal government, any state agency, or Meta Platforms, Inc.

1. Who We Are

Retirement Red Zone provides educational information and marketing related to retirement income planning, including annuities, life insurance, and other insurance products, and we help connect interested individuals with licensed insurance agents. Insurance products are offered through licensed agents and the issuing carriers.

2. Information We Collect

Information you give us

Contact details such as your name, email address, phone number, mailing address, or ZIP code.
Profile details you choose to share, such as age or date of birth, retirement timeline, and your interests or goals.
The content of forms you submit, comments you post, and messages or calls you send to us.

Information collected automatically

Device and usage data such as IP address, browser and device type, pages viewed, and referring links.
Data gathered through cookies, web beacons, and advertising/analytics pixels, including the Meta (Facebook) Pixel.

Information from third parties

Information you submit through Meta/Facebook lead forms or by engaging with our ads.
Information from marketing partners, analytics providers, and publicly available sources.

3. How We Use Your Information

To respond to your inquiries, requests, and quote submissions.
To contact you by phone, email, and text message about retirement, insurance, and annuity information you requested.
To provide educational materials and connect you with a licensed agent.
To personalize, measure, and improve our content, advertising, and services.
To conduct marketing and remarketing, including through Meta and other platforms.
To detect fraud and to comply with legal, regulatory, and compliance obligations.

4. Text Messaging & Calling Consent (SMS / TCPA)

By providing your telephone number and submitting a form or otherwise opting in, you agree that Retirement Red Zone and the licensed agents we work with may contact you at that number by phone call and text message — including through automated technology and prerecorded or artificial voice messages where permitted — for marketing and informational purposes related to your request.

Consent is not a condition of purchase.
Message and data rates may apply, and message frequency varies.
Reply STOP to any text to opt out, or HELP for help.
You may also ask to be added to our internal Do Not Call / Do Not Text list at any time.

Mobile information sharing. No mobile information (including your phone number and text-messaging consent) will be shared with or sold to third parties or affiliates for their own marketing or promotional purposes. We may share this information only with service providers and subcontractors (such as messaging platforms and customer-support vendors) strictly to help us deliver the services you requested. All other categories of data sharing exclude text-messaging opt-in data and consent.

5. How We Share Information

We may share the information we collect with:

Licensed agents and insurance carriers to respond to your request and provide quotes or coverage.
Service providers such as hosting, CRM, messaging, analytics, and advertising platforms (including Meta), who are permitted to use the information only to perform services for us.
Legal and safety recipients, when required by law, subpoena, or to protect our rights, our users, or others.
Business transfers, in connection with a merger, acquisition, or sale of assets.

We do not sell your personal information for money. The mobile-information limitation in Section 4 applies in all cases.

6. Cookies & Tracking Technologies

We and our partners use cookies, pixels (including the Meta Pixel), and similar technologies to operate our pages, measure performance, and deliver and measure advertising, including remarketing. You can control or disable cookies through your browser settings, though some features may not function properly if you do. To learn about your ad choices, visit the Digital Advertising Alliance opt-out page.

7. Third-Party Platforms & Links

Our content appears on Meta/Facebook, which collects and processes data under its own policies. Please review Meta’s Privacy Policy. We may also link to third-party websites we do not control and are not responsible for their privacy practices.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Data Retention

We retain your information for as long as needed to fulfill the purposes described in this Policy, to comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements.

10. Your Rights & Choices

Texts: reply STOP to opt out. Emails: use the unsubscribe link. Calls: ask to be placed on our Do Not Call list.
Depending on your state (for example, California’s CCPA/CPRA and similar laws), you may have the right to access, correct, delete, or limit the use or sharing of your personal information, and to not be discriminated against for exercising those rights.
To exercise any of these rights, contact us using the details in Section 12. We may need to verify your identity before responding.

11. Children’s Privacy

Our services are intended for adults age 18 and older. We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us and we will delete it.

12. Contact Us

If you have questions about this Privacy Policy or how your information is handled, or if you’d like to opt out, you can reach us through the Retirement Red Zone Facebook page, through Facebook Messenger, or by replying to any message or text you receive from us.

13. Changes to This 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 our services after changes are posted means you accept the updated Policy.