Privacy Policy

We at Ozarks Retirement Group respect your concerns about privacy. This Privacy Policy describes the types of personal information we collect, how we use it, with whom we share it, the choices available to you, and how to contact us about our privacy practices.

1. Scope of this policy

This policy applies to this website, inquiries initiated through it, and related communications. Where we offer related online tools or applications, it applies unless a separate privacy notice is provided for that service.

Opening an account or obtaining financial or insurance services may involve additional information and separate notices. This website policy does not replace a financial privacy notice, insurance disclosure, account agreement, or other notice provided for a client relationship. Those documents govern the services they describe. Contact us to request the notice applicable to your services.

2. Information you provide

We collect information you choose to provide when you make an online inquiry, request information, arrange a consultation, register for an event, leave a comment where that feature is available, or otherwise communicate or interact with us. Depending on the interaction, this may include:

• Contact information, such as your name, postal address, email address, and mobile or other telephone number.
• Customer service information, including inquiries, comments, correspondence, and contact history.
• Photographs, documents, comments, and other content you choose to submit through an available feature.
• Interests, communication preferences, registration details, and information supplied in an available survey or program.

3. Payments, sensitive information, and login details

Our general website inquiry forms are not intended to collect payments, billing information, account usernames, or passwords. Do not submit payment card details, Social Security numbers, financial account numbers, passwords, or detailed medical information through these forms or ordinary email. Contact us to arrange an appropriate method for providing sensitive records.

If you use a separate client portal, account service, or third-party login, the information requested and the handling of authentication credentials depend on that service and its applicable notices. Separate administrative authentication may also be used to manage this website. This policy does not represent that all login information is handled by outside vendors or that no authentication information is stored by website systems.

Any fees, compensation, billing arrangements, or payment requirements for professional services are addressed in the applicable service agreements and disclosures.

4. Information collected automatically

When you visit this website, open our emails, or interact with online tools, widgets, or plug-ins, we and relevant service providers may collect information through cookies, web beacons, pixels, and web server logs. Depending on the technology in use, this may include:

• IP addresses and unique browser or device identifiers.
• Browser characteristics, device characteristics, operating systems, and language preferences.
• Referring URLs, pages visited, links selected, and other actions taken on the website.
• Dates and times of visits, technical events, and interactions with website features.
• Email engagement, such as whether a message was opened or a link was clicked.

A cookie is a small file stored by a browser to recognize a device or retain information and preferences. A web beacon, sometimes called a pixel tag, Internet tag, or clear GIF, can help record interactions with a page or email. Clickstream data describes the sequence of pages, links, and other content a visitor accesses.

Where these features are enabled, we may associate technical or engagement information with information already provided to us. For example, an email service may associate an email open or link click with the recipient to help us understand and manage communications.

Automated information may be used to operate and manage the website, remember preferences, personalize visits, deliver relevant content, measure engagement, and improve our services. Where required by applicable law, we obtain consent before using optional cookies or similar technologies.

5. Cookie choices and analytics

You can use the cookie preference controls offered on this website and adjust your browser settings to receive cookie notifications or restrict or disable cookies. Some website features, forms, or embedded media may not function as expected when certain technologies are blocked. Changing browser settings does not erase information already collected.

Where enabled, third-party analytics services such as Google Analytics may use cookies and similar technologies to help analyze website use. Information collected through those technologies may be received by the analytics provider and processed under its own policies and applicable service terms.

Learn more through the Google Privacy Policy and the Google Analytics Opt-out Browser Add-on. The add-on applies to supported Google Analytics implementations; it is not a control for every cookie or tracking technology on the website.

6. How we use information

We may use the information described in this policy to:

• Respond to inquiries and provide requested information or services.
• Arrange consultations, administer registrations, and communicate about your requests.
• Send educational content, newsletters, promotional materials, and other communications, subject to applicable consent and preferences.
• Administer your participation in events, programs, offers, surveys, market research, contests, or sweepstakes, if offered.
• Operate, evaluate, and improve our business, including services, communications, content, customer relationships, and available products.
• Perform analytics, accounting, auditing, recordkeeping, and other internal administrative functions.
• Verify identity where appropriate and protect against fraud, unlawful activity, misuse, claims, and other liabilities.
• Comply with and enforce applicable legal requirements, industry standards, contractual obligations, and our policies.

We may also use information for other purposes described in a specific notice provided at the time of collection, subject to any consent required by applicable law.

7. Information we share

We do not disclose personal information collected through this website except as described in this policy, with your authorization, or under a separate applicable client privacy notice.

Providers supporting hosting, forms, scheduling, communications, analytics, security, and business administration may process information to provide those services or meet applicable legal obligations. Some outside platforms also receive information directly under their own privacy policies, as described below.

We may disclose information:

• When required by law, regulation, legal process, or an applicable legal obligation.
• To law enforcement, regulators, or other government officials where required or otherwise permitted by law.
• When reasonably necessary to help prevent physical harm or financial loss, investigate suspected or actual fraud or illegal activity, or protect people and legal rights.
• In connection with a sale or transfer of all or part of our business or assets, including a merger, reorganization, dissolution, or liquidation, subject to applicable law.

8. Mobile information and text messaging

No mobile information will be shared with third parties for their marketing purposes. We do not sell or share SMS opt-in data, mobile information, or consent to receive text messages with third parties or affiliates for marketing or promotional purposes.

Service providers assisting us with message delivery, administration, or support may process this information to perform those services for us. This service-related processing does not authorize them to use text messaging consent or opt-in information for their own marketing.

If you enroll in text messages, follow the opt-out instructions included in those messages. You may also contact us to update your communication preferences. Providing a telephone number or submitting a website inquiry does not by itself provide consent to unrelated marketing text messages.

9. Third-party tools, embedded media, and external links

This website may include or link to outside tools, applications, widgets, plug-ins, social media buttons, videos, podcasts, and other resources. Providers may collect information directly about your use of their features through cookies or other automated means. Loading an embedded feature may transmit technical information before you interact with it.

Outside services, including media and social platforms, control their own information practices, terms, and privacy notices. Our services or resources may also be made available through third-party platforms or channels. Review the relevant provider's policies before using its features or submitting information.

We do not control the privacy practices of unaffiliated websites or services. Nothing in this policy limits any responsibility we may have under applicable law. Contact us for an alternative way to obtain information if you prefer not to use an outside platform or embedded feature.

10. Your rights and choices

You may contact us to update communication preferences, ask to be removed from mailing lists, submit a privacy request, or ask about information you have provided. Use an available unsubscribe link in marketing emails to stop those optional messages. Necessary service communications and legally required notices may continue.

Depending on your jurisdiction and applicable law, you may have rights to request access, correction, amendment, deletion, or restriction or blocking of personal information; object to certain processing; or withdraw consent previously provided. We will apply valid preferences going forward as required by law. Withdrawing consent does not necessarily affect processing lawfully carried out before withdrawal.

We may need to verify your identity or authority before responding. Legal recordkeeping requirements and other lawful exceptions may limit how a request can be fulfilled. Do not send sensitive identification documents through the general website contact form.

11. Retention and protection of personal information

We retain information according to its purpose, ongoing communications or services, and applicable business, legal, and regulatory requirements. Records connected with professional services may have different retention requirements from general website inquiries.

We maintain administrative, technical, and physical safeguards designed to protect personal information against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use. No website, email system, or transmission method can be guaranteed completely secure. Contact us if you suspect misuse of information submitted through this website.

12. Children's privacy

This website is intended for adults seeking financial and retirement information and is not directed to children under 13. If you believe a child has submitted personal information, contact us so we can review the situation and take appropriate steps.

13. Updates to this policy

We may revise this policy periodically to reflect changes in our information practices. Revisions will be posted here, and we will update the last revised date. For major changes, we will post a prominent website notice and provide additional notice or obtain consent where required by applicable law.

The current date displayed below the title updates automatically for convenience. It does not mean this policy is revised every day.