Last updated: August 15, 2026

This Privacy Policy describes Our policies and procedures on the  collection, use and disclosure of Your information when You use the  Service and tells You about Your privacy rights and how the law protects  You.

We use Your Personal Data to provide and improve the Service. We  collect, use, and disclose Your information as described in this Privacy  Policy and, where required by applicable law, only where We have a  valid legal basis to do so, including Your consent (where consent is  required). This Privacy Policy has been created with the help of the Privacy Policy Generator.

The words whose initial letters are capitalized have meanings defined  under the following conditions. The following definitions shall have  the same meaning regardless of whether they appear in singular or in  plural.

For the purposes of this Privacy Policy:

• Account means a unique account created for You to access Our Service or parts of Our Service.
   
• Affiliate means an entity that controls, is  controlled by, or is under common control with a party, where "control"  means ownership of 50% or more of the shares, equity interest or other  securities entitled to vote for election of directors or other managing  authority.
   
• Company (referred to as either "the Company", "We", "Us" or "Our" in this Privacy Policy) refers to Pension Review Education.
   
• Cookies are small files that are placed on Your  computer, mobile device or any other device by a website, containing the  details of Your browsing history on that website, among its many uses.
   
• Country/State refers to: California, United States.
   
• Device means any device that can access the Service, such as a computer, a cell phone or a digital tablet.
   
• Personal Data (or "Personal Information") is any information that relates to an identified or identifiable individual.
  We use "Personal Data" and "Personal Information" interchangeably unless a law uses a specific term.
   
• Service refers to the Website.
   
• Service Provider means any natural or legal person  who processes the data on behalf of the Company. It refers to  third-party companies or individuals employed by the Company to  facilitate the Service, to provide the Service on behalf of the Company,  to perform services related to the Service or to assist the Company in  analyzing how the Service is used.
   
• Usage Data refers to data collected automatically,  either generated by the use of the Service or from the Service  infrastructure itself (for example, the duration of a page visit).
   
• User means any individual who accesses or uses the Service.
   
• Website refers to Pension Review Education, accessible from https://pensionlearning.com/.
   
• You means the individual accessing or using the  Service, or the company, or other legal entity on behalf of which such  individual is accessing or using the Service, as applicable.
   

While using Our Service, We may ask You to provide Us with certain  personally identifiable information that can be used to contact or  identify You. Personally identifiable information may include, but is  not limited to:

• Email address
• First name and last name
• Phone number

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet  Protocol address (e.g. IP address), browser type, browser version, the  pages of Our Service that You visit, the time and date of Your visit,  the time spent on those pages, unique device identifiers and other  diagnostic data.

When You access the Service by or through a mobile device, We may  collect certain information automatically, including, but not limited  to, the type of mobile device You use, Your mobile device's unique ID,  the IP address of Your mobile device, Your mobile operating system, the  type of mobile Internet browser You use, unique device identifiers and  other diagnostic data.

We may also collect information that Your browser sends whenever You  visit Our Service or when You access the Service by or through a mobile  device.

We use tracking technologies (such as cookies) to track the activity  and to improve Our Service. The technologies We use may include:

• Cookies or Browser Cookies. A cookie is a small  file placed on Your Device. You can instruct Your browser to refuse all  Cookies or to indicate when a Cookie is being sent. However, if You do  not accept Cookies, You may not be able to use some parts of Our  Service.
• Web Beacons. Certain sections of Our Service may  contain small electronic files known as web beacons (also referred to as  clear gifs, pixel tags, and single-pixel gifs) that permit the Company,  for example, to count users who have visited those pages and for other  related website statistics (for example, recording the popularity of a  certain section and verifying system and server integrity).

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies  remain on Your personal computer or mobile device when You go offline,  while Session Cookies are deleted as soon as You close Your web browser.

Where required by law, We use non-essential cookies (that is, Cookies  other than the Necessary / Essential Cookies described below) only with  Your consent. You can withdraw or change Your consent at any time using  Our cookie preferences tool (if available) or through Your  browser/device settings. Withdrawing consent does not affect the  lawfulness of processing based on consent before its withdrawal.

We use both Session and Persistent Cookies for the purposes set out below:

• Necessary / Essential Cookies
  Type: Session Cookies
  Administered by: Us
  Purpose: These Cookies are essential to provide You with services  available through the Website and to enable You to use some of its  features. They help to authenticate users and prevent fraudulent use of  user accounts. Without these Cookies, the services that You have asked  for cannot be provided, and We only use these Cookies to provide You  with those services.
   
• Cookies Policy / Notice Acceptance Cookies
  Type: Persistent Cookies
  Administered by: Us
  Purpose: These Cookies identify whether users have accepted the use  of cookies on the Website and record the consent choices You have made,  so that We can honor those choices on future visits.
   
• Functionality Cookies
  Type: Persistent Cookies
  Administered by: Us
  Purpose: These Cookies allow Us to remember choices You make when You  use the Website, such as remembering Your Account login details or  language preference. The purpose of these Cookies is to provide You with  a more personal experience and to avoid You having to re-enter Your  preferences every time You use the Website.
   

The Company may use Personal Data for the following purposes:

• To provide and maintain Our Service, including to monitor the usage of Our Service.
   
• To manage Your Account: to manage Your registration  as a user of the Service. The Personal Data You provide can give You  access to different functionalities of the Service that are available to  You as a registered user.
   
• For the performance of a contract: the development,  compliance and undertaking of the purchase contract for the products,  items or services You have purchased or of any other contract with Us  through the Service.
   
• To contact You: To contact You by email, telephone  calls, SMS, or other equivalent forms of electronic communication, such  as a mobile application's push notifications regarding updates or  informative communications related to the functionalities, products or  contracted services, including the security updates, when necessary or  reasonable for their implementation.
   
• To provide You with news, special offers, and  general information about other goods, services and events which We  offer that are similar to those that You have already purchased or  inquired about. We send such marketing communications only where  permitted by applicable law: where prior consent is required (for  example, under the laws applicable in the EEA and the UK), We will send  them only with Your consent; otherwise, We may send them until You opt  out. You may opt out or withdraw Your consent at any time by using the  unsubscribe link in any marketing email We send or by contacting Us.
   
• To manage Your requests: To attend and manage Your requests to Us.
   
• For business transfers: We may use Your Personal  Data to evaluate or conduct a merger, divestiture, restructuring,  reorganization, dissolution, or other sale or transfer of some or all of  Our assets, whether as a going concern or as part of bankruptcy,  liquidation, or similar proceeding, in which Personal Data held by Us  about Our Service users is among the assets transferred.
   
• For other purposes: We may use Your information for  other purposes, such as data analysis, identifying usage trends,  determining the effectiveness of Our promotional campaigns, and  evaluating and improving Our Service, products, services, marketing and  Your experience.
   

We may share Your Personal Data in the following situations:

• With Service Providers: We may share Your Personal Data with Service Providers to monitor and analyze the use of Our Service, and to contact You.
• For business transfers: We may share or transfer  Your Personal Data in connection with, or during negotiations of, any  merger, sale of Company assets, financing, or acquisition of all or a  portion of Our business to another company.
• With Affiliates: We may share Your Personal Data  with Our affiliates, in which case We will require those affiliates to  honor this Privacy Policy. Affiliates include Our parent company and any  other subsidiaries, joint venture partners or other companies that We  control or that are under common control with Us.
• With other users: If Our Service offers public  areas, when You share Personal Data or otherwise interact in the public  areas with other users, such information may be viewed by all users and  may be publicly distributed outside the Service.
• With Your consent: We may disclose Your Personal Data for any other purpose with Your consent.

You have the option to receive text (SMS) messages from Us. If You  opt in to text messages, We will send You updates, notifications, and  other communications as described below. When You opt in, We will  collect and store the information You provide in connection with text  messaging, such as Your phone number, the date and method of Your  consent, and message delivery and read information.

No mobile information will be shared with or sold to third parties or  affiliates for marketing or promotional purposes. The phone numbers and  consent records We collect for texting are never shared with anyone for  any purpose, except the Service Providers that technically have to  handle them to deliver the texts.

Consent to receive text messages is not a condition of any purchase  or use of Our Service. If You consent to receive SMS from Us, You agree  to receive text messages from Us related to:

• Customer care and support
• Account notifications, such as activity, status, or renewal reminders
• Delivery notifications and updates on the status of a delivery
• Authentication messages, such as one-time passwords (OTP) and passcodes
• Security alerts, such as suspicious login attempts or unusual account activity
• Marketing and promotional offers, discounts, and other promotional content

Reply STOP to opt-out. Reply HELP for support. Message & data  rates may apply. Messaging frequency may vary. Carriers are not liable  for delayed or undelivered messages.

The Company will retain Your Personal Data only for as long as is  necessary for the purposes set out in this Privacy Policy. We will  retain and use Your Personal Data to the extent necessary to comply with  Our legal obligations (for example, if We are required to retain Your  data to comply with applicable laws), resolve disputes, and enforce Our  legal agreements and policies.

Where possible, We apply shorter retention periods and/or reduce  identifiability by deleting, aggregating, or anonymizing data. Unless  otherwise stated, the retention periods below are maximum periods ("up  to") and We may delete or anonymize data sooner when it is no longer  needed for the relevant purpose. We apply different retention periods to  different categories of Personal Data based on the purpose of  processing and legal obligations:

• Account Information
   
  • User Accounts: retained for the duration of Your Account  relationship plus up to 24 months after account closure to handle any  post-termination issues or resolve disputes.
• Customer Support Data
   
  • Support tickets and correspondence: up to 24 months from the date of  ticket closure to resolve follow-up inquiries, track service quality,  and defend against potential legal claims.
  • Chat transcripts: up to 24 months for quality assurance and staff training purposes.
• Usage Data
   
  • Website analytics data (cookies, IP addresses, device identifiers):  up to 24 months from the date of collection, which allows us to analyze  trends while respecting privacy principles.
     
  • Server logs (IP addresses, access times): up to 24 months for security monitoring and troubleshooting purposes.
     

Usage Data is retained in accordance with the retention periods  described above, and may be retained longer only where necessary for  security, fraud prevention, or legal compliance.

We may retain Personal Data beyond the periods stated above for different reasons:

• Legal obligation: We are required by law to retain specific data (e.g., financial records for tax authorities).
• Legal claims: Data is necessary to establish, exercise, or defend legal claims.
• Your explicit request: You ask Us to retain specific information.
• Technical limitations: Data exists in backup systems that are scheduled for routine deletion.

You may request information about how long We will retain Your Personal Data by contacting Us.

When retention periods expire, We securely delete or anonymize Personal Data according to the following procedures:

• Deletion: Personal Data is removed from Our systems and no longer actively processed.
• Backup retention: Residual copies may remain in encrypted backups  for a limited period consistent with Our backup retention schedule and  are not restored except where necessary for security, disaster recovery,  or legal compliance.
• Anonymization: In some cases, We convert Personal Data into  anonymous statistical data that cannot be linked back to You. This  anonymized data may be retained indefinitely for research and analytics.

Your information, including Personal Data, is processed at the  Company's operating offices and in any other places where the parties  involved in the processing are located. This means that this information  may be transferred to — and maintained on — computers located outside  of Your state, province, country or other governmental jurisdiction  where the data protection laws may differ from those of Your  jurisdiction.

Where required by applicable law, We will ensure that international  transfers of Your Personal Data are subject to appropriate safeguards  and, where relevant, supplementary measures. The Company will take all  steps reasonably necessary to ensure that Your data is treated securely  and in accordance with this Privacy Policy and no transfer of Your  Personal Data will take place to an organization or a country unless  there are adequate controls in place, including the security of Your  data and other personal information.

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or delete Your information at any time by  signing in to Your Account, if You have one, and visiting the account  settings section that allows You to manage Your personal information.  You may also contact Us to request access to, correct, or delete any  Personal Data that You have provided to Us.

Please note, however, that We may need to retain certain information when We have a legal obligation or lawful basis to do so.

If the Company is involved in a merger, acquisition or asset sale,  Your Personal Data may be transferred. We will provide notice before  Your Personal Data is transferred and becomes subject to a different  Privacy Policy.

Under certain circumstances, the Company may disclose Your Personal  Data if required to do so by law or in response to valid requests by  public authorities (e.g. a court or a government agency).

The Company may disclose Your Personal Data in the good-faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

The security of Your Personal Data is important to Us, but remember  that no method of transmission over the Internet, or method of  electronic storage, is 100% secure. While We strive to use commercially  reasonable means to protect Your Personal Data, We cannot guarantee its  absolute security.

The Service is not directed to, and We do not knowingly collect Personal Information from, anyone under the age of 16.

If You are a parent or guardian and You believe Your child has  provided Us with Personal Information, please contact Us. If We become  aware that We have collected Personal Information from anyone under the  age of 16, We will take steps to remove that information from Our  servers as soon as reasonably possible.

Some countries and states set a higher age at which an individual can  consent to the processing of their own Personal Information. Where We  rely on consent as a legal basis and the law applicable to a User sets  an age higher than 16, We may require the consent of that User's parent  or guardian before We collect and use their Personal Information.

Our Service may contain links to other websites that are not operated  by Us. If You click on a third-party link, You will be directed to that  third party's site. We strongly advise You to review the Privacy Policy  of every site You visit.

We have no control over and assume no responsibility for the content,  privacy policies or practices of any third-party sites or services.

We may update Our Privacy Policy from time to time. We will notify  You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our  Service, prior to the change becoming effective and update the "Last  updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any  changes. Changes to this Privacy Policy are effective when they are  posted on this page.

If You have any questions about this Privacy Policy, You can contact Us:

• By email: kyle@annualpension.org