Who We Are
This Privacy Policy explains how information is collected, used, disclosed, and protected through myretirementnest.com (the “Site”). The Site is associated with Ricardo Aguirre, professionally known as Richard Aguirre, a Financial Strategist affiliated with Banamerica Financial Group, Inc.
In this policy, “we,” “us,” and “our” refer to:
PLACEHOLDER — FILL IN: the legal entity that operates the website and controls website data
This policy applies to information collected through the Site, including information submitted through contact, consultation, seminar, or newsletter forms. It does not replace any financial privacy notice, account agreement, insurance notice, advisory agreement, or other privacy disclosure that may apply if you become a client or purchase a product or service.
Information We Collect
Information You Provide
We may collect information that you voluntarily provide, including:
• your name, email address, telephone number, state of residence, and preferred contact method;
• the retirement or financial topic you select and the message you submit;
• information you provide when requesting a consultation, seminar, resource, or response;
• email and text-message marketing preferences, consent records, and records of your communications with us; and
• any other information you choose to provide.
Do not submit Social Security numbers, account numbers, passwords, tax documents, medical information, or other sensitive financial or personal information through a general website form.
Information Collected Automatically
When you use the Site, we and our service providers may automatically collect limited technical information, such as your Internet Protocol address, browser type, device type, operating system, referring page, pages viewed, approximate location derived from an IP address, date and time of access, and interactions with the Site.
We may collect this information through server logs, cookies, pixels, tags, or similar technologies, but only as actually configured on the Site.
Information From Other Sources
We may receive information from service providers that support website hosting, form delivery, analytics, email, text messaging, customer relationship management, advertising, spam prevention, or security.
We may also receive information when another person refers you or asks us to contact you, subject to applicable law.
How We Use Information
We may use information to:
• respond to inquiries and schedule requested consultations;
• provide requested information about retirement planning, rollovers, investments, annuities, insurance, legacy planning, or seminars;
• determine whether we may serve you in your state and route your inquiry appropriately;
• communicate with you by the method you request or authorize;
• operate, maintain, secure, troubleshoot, and improve the Site;
• measure Site use and understand which content is helpful;
• prevent fraud, abuse, security incidents, and unlawful activity;
• maintain business and compliance records; and
• comply with legal, regulatory, contractual, licensing, and supervisory obligations.
How We Disclose Information
We may disclose information:
• to Banamerica Financial Group, Inc. and any applicable supervising, insurance, securities, broker-dealer, or investment-advisory firm as needed to respond to your inquiry or satisfy compliance obligations;
• to service providers that support hosting, forms, email delivery, text messaging, analytics, advertising, customer relationship management, data storage, security, or professional services, subject to appropriate contractual or legal restrictions;
• to government agencies, regulators, courts, law enforcement, or other parties when disclosure is required or permitted by law;
• to protect our rights, safety, property, users, or the public; and
• in connection with a merger, acquisition, restructuring, transfer, or sale of all or part of the applicable business, subject to legal requirements.
We do not sell personal information for money. The Site uses Google Analytics and may use Meta or Facebook advertising technology. These services may collect or receive information about Site activity and use it for measurement, analytics, audience creation, or advertising.
Depending on applicable law, some disclosures to advertising or analytics providers may be treated as a “sale,” “share,” or use for targeted advertising even when no money is exchanged.
Where required, we provide a method to opt out through Cookie Settings, a “Your Privacy Choices” link, or a recognized opt-out preference signal.
Cookies and Similar Technologies
The Site uses necessary technologies for security, navigation, form operation, and Site functionality.
Google Analytics uses cookies or similar technologies to help us understand traffic, interactions, device information, and Site performance.
If a Meta Pixel or similar Facebook advertising technology is enabled, it may help measure advertising, create audiences, and understand actions taken after an advertisement is viewed or selected.
Optional analytics and advertising technologies are controlled through the Site’s Cookie Settings as required by applicable law.
You can also use browser or device controls, although disabling some technologies may affect Site functionality.
Customer Relationship Management
Information submitted through the Site may be stored and managed in BigContacts, our customer relationship management platform.
We use BigContacts to organize inquiries, document communications and consent, follow up with prospective clients, and manage permitted email and text-message communications.
BigContacts processes information on our behalf under its applicable terms and privacy commitments.
Communications Choices
Marketing email and marketing text messages are optional and require the applicable consent.
You may unsubscribe from marketing email through the link in each message. You may opt out of text messages by replying STOP.
Opting out of one channel does not automatically opt you out of another.
You may still receive nonmarketing communications needed to respond to an active request, complete a transaction, satisfy legal obligations, or service an existing relationship, as permitted by law.
Retention
We retain personal information for as long as reasonably necessary for the purposes described in this policy, including responding to inquiries, maintaining required business and compliance records, resolving disputes, enforcing agreements, and meeting legal or regulatory obligations.
Retention periods vary based on the type of information, the relationship, and applicable requirements.
Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information.
No website, transmission, or storage system can be guaranteed to be completely secure.
Email and general website forms should not be used to transmit sensitive financial information.
Your Privacy Rights
Depending on where you live and whether an applicable law covers the information or business, you may have rights to request access to, correction of, deletion of, or a copy of certain personal information.
You may also have rights to opt out of certain sales, targeted advertising, or profiling, and to appeal a denied request.
Some financial information, regulated entities, small businesses, employment data, and other information may be exempt from state privacy laws.
To submit a privacy request, email:
Email: richard@myretirementnest.com
or write to:
125 Fairfield Way, Suite 103, Bloomingdale, IL 60108
State “Privacy Request” in the subject line and describe the request.
We may need to verify your identity and authority before acting. You may use an authorized agent where permitted by law.
We will not unlawfully discriminate against you for exercising an applicable privacy right.
Nevada residents may submit a verified request concerning a covered sale of covered information under Nevada law to the privacy email above.
Texas and Virginia residents may use the same address to exercise applicable consumer privacy rights or appeal a decision.
If we deny an appeal, we will provide any further complaint information required by applicable law.
Global Privacy Control and Do Not Track
Where required by applicable law, we process recognized opt-out preference signals, such as Global Privacy Control, as a request to opt out of covered sales, sharing, or targeted advertising for the browser or device sending the signal.
Because no uniform industry standard applies to all browser “Do Not Track” signals, the Site may not respond to signals that are not legally recognized opt-out mechanisms.
Children
The Site is intended for adults and is not directed to children under 18.
We do not knowingly collect personal information from children through the Site.
If you believe a child submitted information, contact us so we can review and address the request.
Third Party Links and Services
The Site may link to third-party websites or services.
Their privacy practices are governed by their own policies, not this policy.
Review those policies before providing information.
Changes to This Policy
We may update this policy to reflect changes in law, technology, or our practices.
We will post the revised policy with a new effective date.
Material changes will be communicated when required by law.
Contact Us
Privacy questions and requests may be directed to:
Richard Agui rre
Attn: Privacy
125 Fairfield Way, Suite 103, Bloomingdale, IL 60108
richard@myretirementnest.com
(630) 523-3026
