Privacy Policy

Effective Date: {{EFFECTIVE_DATE}} Last Updated: {{EFFECTIVE_DATE}}

Retirement Income Life LLC (“Retirement Income Life,” “RIL,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, how we share it, and the choices you have regarding your information when you visit our website at joinril.com (the “Site”) or otherwise interact with our services.

By using the Site or providing your information to us, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We collect information you voluntarily provide to us, information we collect automatically when you use the Site, and information we obtain from third parties.

Information you provide directly:

  • Full name
  • Email address
  • Phone number (including mobile number)
  • Mailing address
  • Date of birth
  • Information related to your retirement planning, financial goals, employment, or insurance needs that you choose to share via forms, calls, or messages
  • Any other information you submit through forms, requests for a quote, appointment bookings, or communications with our team

Information collected automatically:

  • IP address, browser type, device type, operating system
  • Pages visited, links clicked, time spent on the Site, referring website
  • Cookies and similar tracking technologies (see Section 7)

Information from third parties:

  • Publicly available information relevant to insurance and retirement products
  • Referral information from marketing partners you have interacted with, where you have consented to be contacted by us

We do not knowingly collect personal information from children under the age of 18. If we become aware that we have collected such information, we will delete it promptly.

2. How We Use Your Information

We use the information we collect to:

  • Respond to your inquiries, quote requests, and appointment bookings
  • Provide information about retirement income, annuity, life insurance, and related financial products relevant to your interests
  • Send you appointment reminders, follow-ups, and service updates
  • Send marketing communications, where you have opted in to receive them
  • Improve the Site, our services, and your user experience
  • Comply with our legal, regulatory, and contractual obligations
  • Detect, prevent, and address fraud, security issues, and technical problems

3. SMS / Text Messaging Program

If you provide us with your mobile phone number and opt in to receive text messages from us, this section explains how our SMS program works.

Program description. Retirement Income Life may send you text messages related to appointment reminders, quote follow-ups, informational updates about products you have inquired about, and — if you have separately consented — occasional marketing messages about our services.

Consent is required and optional. You must actively opt in to receive text messages from us. Opting in is entirely optional; you can request a quote, book an appointment, or otherwise use our services without agreeing to receive SMS messages. We do not require SMS consent as a condition of purchasing any product or service.

Message frequency. Message frequency varies based on your interactions with us. You may receive up to several messages per week depending on the nature of your inquiry.

Costs. Message and data rates may apply. Your mobile carrier’s standard rates for SMS and MMS messages will apply to messages you receive from us. Retirement Income Life does not charge you for the messages themselves.

How to opt out. You can opt out of SMS messages at any time by replying STOP to any message we send you. After you reply STOP, you will receive one final confirmation message and no further messages will be sent, except as required by law or in response to a direct request from you.

How to get help. Reply HELP to any message for assistance, or contact us at {{CONTACT_EMAIL}} or {{BUSINESS_PHONE}}.

Carrier disclaimer. Wireless carriers (including but not limited to AT&T, T-Mobile, Verizon, and their subsidiaries) are not liable for delayed or undelivered messages.

No sharing of SMS opt-in data. We do not sell, rent, or share your mobile phone number or SMS opt-in data with third parties or affiliates for their marketing purposes. SMS opt-in data is used solely by Retirement Income Life and the service providers that operate our messaging platform on our behalf, and only for the purpose of sending you the messages you have consented to receive.

4. How We Share Your Information

We share your personal information only as described below:

Service providers. We share information with vendors and service providers who help us operate our business — for example, our CRM platform, email/SMS delivery providers (such as Mailgun and Twilio), analytics providers, and appointment scheduling tools. These providers are contractually required to protect your information and use it only for the purposes we specify.

Insurance carriers and product partners. When you request a quote or apply for a product, we may share the information necessary to obtain that quote or process that application with the relevant insurance carrier or product provider. We share only what is required for that purpose.

Legal and safety. We may disclose information if required by law, subpoena, court order, or other legal process, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to a government request.

Business transfers. If we are involved in a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or use of your information.

We do not sell your personal information to third parties for their independent marketing purposes.

5. Your Choices and Rights

You have the following choices regarding your information:

  • Email marketing. You can unsubscribe from marketing emails by clicking the “unsubscribe” link in any marketing email or by contacting us.
  • SMS marketing. Reply STOP to any text message, as described in Section 3.
  • Access, correction, deletion. You may request access to, correction of, or deletion of the personal information we hold about you by contacting us at {{PRIVACY_EMAIL}}. We will respond within the timeframes required by applicable law.
  • Do Not Track. Our Site does not currently respond to Do Not Track browser signals.

If you are a resident of a state with specific privacy rights (such as California, Colorado, Virginia, Connecticut, or Utah), you may have additional rights under state law, including the right to opt out of certain data uses and to request a copy of the information we hold about you. Contact us at {{PRIVACY_EMAIL}} to exercise any such rights.

6. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, and destruction. No method of transmission over the internet or electronic storage is 100% secure, however, and we cannot guarantee absolute security.

7. Cookies and Analytics

Our Site uses cookies and similar technologies to remember your preferences, understand how the Site is used, and improve your experience. You can control cookies through your browser settings; disabling cookies may affect some features of the Site.

We may use analytics services (such as Google Analytics) to understand aggregate Site usage. These providers may set their own cookies and are subject to their own privacy policies.

8. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to read the privacy policies of any third-party sites you visit.

9. Retention of Information

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will change the “Last Updated” date at the top of this page. Material changes will be communicated more prominently, such as through a notice on the Site or a direct communication to you. Your continued use of the Site after changes are posted constitutes your acceptance of those changes.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

Retirement Income Life LLC {{BUSINESS_ADDRESS}} Email: {{PRIVACY_EMAIL}} Phone: {{BUSINESS_PHONE}}