Privacy Policy

Information We Collect

The information we collect depends on how you interact with the website.

Information You Provide

When you use our conversation-request feature or otherwise contact us, we may collect your name, phone number, email address, job title, school district or employer, campus, state, selected appointment date and time, time zone, and information you voluntarily enter in the Notes field.

Please do not provide Social Security numbers, financial account numbers, passwords, medical information, copies of identification documents, or other sensitive personal or financial information through the Notes field or other general website forms.

Information Collected Through Your Website Visit

When you visit the website, technical or website-interaction information may be generated or processed, including your browser and device type, operating system, pages viewed, referring website or page, source domain, source page, campaign or UTM information contained in a link, date and time of activity, browser time zone, website-performance information, and information used to protect the website from fraud, abuse, or security threats.

Some security systems may also process information such as an IP address where necessary to provide website, network, security, or fraud-prevention services.

How We Use Personal Information

Teacher 403(b) Solutions uses personal information to respond to your requests; schedule and manage appointments; communicate with you regarding an inquiry or appointment; connect you with a financial professional affiliated with Teacher 403(b) Solutions when appropriate; route appointments or inquiries; maintain appropriate records in Teacher 403(b) Solutions’s customer relationship management and business systems; understand which websites, pages, and campaigns generate inquiries; operate and improve the website; protect our systems against fraud, abuse, and security threats; meet applicable legal, regulatory, compliance, and recordkeeping obligations; and establish, exercise, or defend legal claims when necessary.

Teacher 403(b) Solutions seeks to collect and use only information reasonably necessary for these purposes.

Website Analytics and Technology

Teacher 403(b) Solutions uses no third-party analytics currently enabled to understand aggregate website usage, performance, and how visitors interact with our website.

no third-party analytics currently enabled is designed as a privacy-focused analytics service and does not rely on cookies, localStorage, or individual fingerprinting for its website-usage analytics.

We may use cookies or similar technologies that are necessary for website security, fraud prevention, traffic management, or essential site functionality.

At launch, Teacher 403(b) Solutions does not use third-party behavioral-advertising or remarketing pixels to track visitors across unrelated websites.

If these practices materially change, Teacher 403(b) Solutions will review this Privacy Policy and implement any additional notices, consent mechanisms, or privacy-choice controls required by applicable law before implementing the new technology.

How We Disclose Personal Information

Affiliated Financial Professionals

When you ask to speak with someone or schedule an appointment, Teacher 403(b) Solutions may provide information necessary to respond to your request to a financial professional affiliated with Teacher 403(b) Solutions who is assigned to assist you.

The information is provided for purposes such as contacting you, managing the requested appointment, preparing for the conversation, and responding to the questions or services you requested.

Service Providers

Teacher 403(b) Solutions may use service providers that support functions such as website hosting, network and website security, customer relationship management, appointment scheduling, communications, information technology, data storage, backup, and website analytics.

Those organizations may process information on Teacher 403(b) Solutions’s behalf as reasonably necessary to provide their services and subject to applicable contractual and legal obligations.

Providing information to a service provider acting on Teacher 403(b) Solutions’s behalf is not the same as selling the information to that provider.

Legal, Regulatory, and Security Purposes

Teacher 403(b) Solutions may disclose information when reasonably necessary to comply with applicable law, regulation, subpoena, court order, governmental request, regulatory inquiry, or other legal process; protect Teacher 403(b) Solutions’s rights, property, systems, users, or others; investigate fraud or security incidents; or establish, exercise, or defend legal claims.

Business Transactions

Information may be transferred as permitted by applicable law in connection with a merger, acquisition, reorganization, financing, sale of assets, or similar business transaction.

Data Retention

Teacher 403(b) Solutions retains personal information only for as long as reasonably necessary for the purpose for which it was collected and to satisfy applicable business, security, legal, compliance, and regulatory requirements.

Website Inquiries and Appointment Requests

Information from an inquiry or appointment request that does not result in an ongoing client or business relationship will generally be retained for up to two years after the last interaction.

Ongoing Relationships

If an inquiry develops into an ongoing business, financial-services, client, or other relationship, information associated with that relationship may be transferred to or maintained in Teacher 403(b) Solutions’s business systems and retained according to the applicable business, legal, regulatory, and compliance record-retention requirements.

Unsubmitted Forms

Teacher 403(b) Solutions does not intend to retain information entered into our conversation-request feature when the form is not submitted.

Website Security and Technical Records

Website-security and technical records may generally be retained for up to 12 months, unless a longer period is reasonably necessary to investigate a security incident, prevent fraud or abuse, comply with a legal or regulatory requirement, maintain an appropriate audit record, or preserve information subject to a legal hold.

Aggregated or Deidentified Information

Information that has been aggregated or deidentified so that it can no longer reasonably be associated with an individual may be retained for analytical, operational, or business purposes.

Your Privacy Rights

Depending on your state of residence, the type of information involved, and whether a particular privacy law applies to Teacher 403(b) Solutions or the information, you may have rights to:

• Confirm whether Teacher 403(b) Solutions processes personal information about you and access that information
• Correct inaccurate personal information
• Request deletion of personal information
• Obtain a portable copy of certain personal information
• Obtain certain information regarding disclosures to third parties where required by law
• Opt out of the sale of personal information
• Opt out of processing for targeted or cross-context behavioral advertising
• Opt out of certain profiling or automated decision-making activities
• Limit certain uses of sensitive personal information where applicable
• Authorize another person to submit a qualifying request on your behalf
• Appeal certain decisions Teacher 403(b) Solutions makes regarding a privacy request
• Exercise applicable privacy rights without unlawful discrimination or retaliation

Teacher 403(b) Solutions does not currently sell personal information or use website personal information for targeted advertising as described above.

How to Exercise Your Privacy Rights

You may submit a privacy request by contacting:

contact@teacher403bsolutions.com

Please include enough information for Teacher 403(b) Solutions to understand and respond to your request.

Teacher 403(b) Solutions may need to verify your identity before completing certain requests. Information submitted for verification will be used only as reasonably necessary to verify and fulfill the request.

Where applicable law permits an authorized agent to act for you, Teacher 403(b) Solutions may request information reasonably necessary to verify the agent’s authority and your identity.

Teacher 403(b) Solutions will respond within the time required by applicable law.

Privacy Request Appeals

If Teacher 403(b) Solutions denies a privacy request and applicable law gives you a right to appeal that decision, you may submit an appeal by emailing:

contact@teacher403bsolutions.com

Use the subject:

Privacy Request Appeal

Please identify the privacy request being appealed and provide any additional information you believe Teacher 403(b) Solutions should consider.

Teacher 403(b) Solutions will review the appeal and respond within the period required by applicable law.

Global Privacy Control and Universal Opt-Out Signals

Some state privacy laws permit consumers to communicate certain privacy choices using recognized universal opt-out mechanisms, such as Global Privacy Control (“GPC”).

Teacher 403(b) Solutions does not currently sell personal information or process personal information from this website for targeted advertising.

If Teacher 403(b) Solutions later engages in processing that is subject to legally required universal opt-out mechanisms, Teacher 403(b) Solutions will recognize qualifying signals, including GPC where required by applicable law.

Sensitive Personal Information

Teacher 403(b) Solutions is not designed to collect sensitive financial, identity, health, or authentication information through its scheduling or general website forms.

Please do not submit Social Security numbers, financial account numbers, payment-card information, usernames or passwords, medical information, identification documents, or other highly sensitive personal or financial information through the Notes field or other general website forms.

If Teacher 403(b) Solutions receives such information unintentionally, Teacher 403(b) Solutions may take reasonable measures to restrict access, remove the information where appropriate, or otherwise handle it consistent with applicable business, security, legal, and regulatory requirements.

Children’s Privacy

Teacher 403(b) Solutions is intended for adults and is not directed to children under 13.

Teacher 403(b) Solutions does not knowingly use this website to collect personal information from children under 13. If Teacher 403(b) Solutions learns that such information was collected contrary to applicable law, Teacher 403(b) Solutions will take appropriate measures to delete or otherwise address it.

Information Security

Teacher 403(b) Solutions uses reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, misuse, loss, or destruction.

No method of transmitting information over the Internet or storing information electronically can be guaranteed to be completely secure.

Visitors should therefore avoid submitting sensitive financial, account, identity, authentication, or medical information through general website forms.

Third-Party Websites

teacher403bsolutions.com may contain links to websites operated by third parties.

Teacher 403(b) Solutions is not responsible for the privacy practices, security, or content of websites that Teacher 403(b) Solutions does not control. Visitors should review the privacy information provided by those websites before providing personal information.

Changes to This Privacy Policy

Teacher 403(b) Solutions may update this Privacy Policy from time to time to reflect changes in its information practices, technologies, services, legal requirements, or regulatory guidance.

When the policy is updated, Teacher 403(b) Solutions will revise the Last Updated date at the top of the page and provide additional notice where required by applicable law.

Contact Us

Questions about this Privacy Policy, Teacher 403(b) Solutions’s privacy practices, or your personal information may be directed to:

Email: contact@teacher403bsolutions.com