Houghton Retirement Solutions

Privacy Policy

Effective Date: May 1, 2026

At Houghton Retirement Solutions, your privacy is important to us. This Privacy Policy

explains how we collect, use, disclose, and safeguard your information

when you visit our website or use our services.

1. Information We Collect

1.1 Information You Provide Directly

We collect information that you voluntarily provide to us when you:

• Fill out a contact or inquiry form
• Subscribe to our newsletter or email communications
• Request a consultation or more information
• Communicate with us by email or phone

The types of personal information we may collect include:

• Full name
• Email address
• Phone number
• Mailing address
• Age or date of birth (for retirement planning purposes)
• Any other information you choose to provide

1.2 Information Collected Automatically

When you visit our website, we may automatically collect certain technical information, including:

• IP address and browser type
• Pages visited and time spent on pages
• Referring website URLs
• Device type and operating system

This information is collected using cookies and similar tracking technologies (see Section 6 for more details).

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide the Services you request
• To send you newsletters, educational content, and updates (with your consent)
• To improve our website and Services based on user behavior
• To comply with applicable laws and regulations
• To protect the security and integrity of our Services
• To communicate with you about changes to our Terms or this Privacy Policy

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

3. Legal Basis for Processing (U.S. / CCPA)

If you are a resident of California, you have specific rights under the California Consumer Privacy Act (CCPA). We process your personal information based on:

• Your consent, where you have given it
• Our legitimate business interests in providing and improving our Services
• Compliance with legal obligations

California residents have the right to request disclosure of personal information collected, request deletion of personal information, and opt out of the sale of personal information (we do not sell personal information).

4. How We Share Your Information

We do not sell your personal information. We may share your information only in the following limited circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our website and delivering services (e.g., email platforms, analytics providers), subject to confidentiality obligations
• Legal Requirements: When required by law, court order, or government authority
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the successor entity
• Protection of Rights: To protect the rights, property, or safety of the Company, our users, or others

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. When personal information is no longer needed, we will securely delete or anonymize it.

6. Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar tracking technologies to enhance your experience. Cookies are small data files stored on your device that help us understand how you use our site.

Types of cookies we may use:

• Essential Cookies: Necessary for the website to function properly
• Analytics Cookies: Help us understand how visitors interact with our website
• Preference Cookies: Remember your settings and preferences

You can control cookie settings through your browser settings. Note that disabling certain cookies may affect the functionality of our website.

7. Security of Your Information

Houghton Retirement Solutions implements reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

8. Children’s Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

9. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to certain exceptions
• Opt-Out: Unsubscribe from marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly
• Portability: Request transfer of your personal information in a machine-readable format

To exercise any of these rights, please contact us at privacy@houghtonretirement.com.

10. Third-Party Websites

Our website may contain links to third-party websites. This Privacy Policy applies only to our Services. We encourage you to review the privacy policies of any third-party sites you visit, as we have no control over their practices.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated policy on our website with a new effective date. We encourage you to review this policy periodically.