Effective date: September 1, 2026 · Last updated: September 15, 2026
This policy explains what information RetirementOS Inc (“Retirement OS,” “we,” “us”) collects when you use retirementreadinesshub.com, why we collect it, who can see it, and what control you have over it.
Retirement OS operates The Retirement Readiness Resource Center and provides educational retirement resources, self-diagnostic calculators, and a member portal. We are not a bank, broker-dealer, registered investment adviser, or government agency.
| What | Required | Why |
|---|---|---|
| First name | Yes | To address you in the portal and in emails |
| Last name | No | To identify your account and label your reports |
| Email address | Yes | Your sign-in, and how we send your resources and reports |
| Password | Yes | Used to authenticate your account; stored as a one-way hash, not in readable form |
| Mobile number | No | To arrange a review you request, or for optional communications you separately authorize |
| State | No | Determines which licensed agent could assist you, if you request a review |
The figures you enter are used to produce your result. If you choose to save that result, the figures and the result are stored against your account so you can return to them.
You are never required to enter real figures. The calculators work equally well with estimates, and nothing you enter is verified against any external source.
We record your name, email, phone, state, your contact preference, the times that suit you, and any topics or notes you provide.
| What | Why |
|---|---|
| Consent record: the wording version you agreed to, the date and time, and your IP address | To document your communication choices and consent |
| Referral details: which page and campaign brought you here, and any UTM parameters in the link you clicked | To understand which resources people find useful |
| Account activity: sign-ins, failed sign-in attempts, password changes, reports saved or deleted, preference changes | Security, and to give you a record of your own consent history |
| A session cookie | Keeps you signed in during your browser session |
We use one strictly necessary cookie, named nmsid, which keeps you signed in during a
session. It contains a session identifier rather than your password and is configured as a browser-session cookie.
We do not use Google Analytics, Meta Pixel, or advertising cookies on this website.
Campaign emails use click tracking to record which links are followed and to select relevant follow-up messages. This email engagement tracking is separate from website advertising cookies.
Website hosting and external resources, such as fonts, may process technical information including your IP address, browser information, and resource requests when your browser connects to them.
Authorised staff can see your account details, your consent record, and the titles and summary results of reports you have saved. Access is limited by role and is logged.
If you request a Retirement Readiness Review, your name, email, phone, state, and the topics you said you wanted to discuss are provided only to a participating insurance agent who is appropriately licensed for your state so they can contact you. Insurance products may be discussed. This only happens if you request a review. Requesting one is voluntary and is not required to use any part of your membership.
| Who | What they handle |
|---|---|
| GoDaddy | Hosts the website and database |
| Brevo (Sendinblue) | Delivers our emails |
| GoHighLevel / YourAgentHub | Processes contact, referral, consent, and lifecycle information for connected CRM and educational email workflows, including click tracking and review-request routing |
| Fontshare | Provides website fonts requested by your browser |
We may disclose information where we are legally required to, or to protect the rights or safety of our members or of Retirement OS.
We retain information for the purposes described in this policy. Retention depends on the type of record, whether it is still needed to operate your account or complete a requested review, security needs, and applicable legal obligations. We do not currently promise automatic deletion of all records after a fixed number of days.
| What | Retention considerations |
|---|---|
| Your account and saved reports | Maintained while your account is active; account deletion removes your account and saved reports from the live portal database |
| Consent and communication-preference records | May be retained as needed to document consent, withdrawal, and applicable recordkeeping obligations |
| Opt-out / suppression records | Limited identifiers may be retained to honor your request not to receive optional communications; deleting an account does not authorize renewed marketing |
| Password reset tokens | Time-limited; expired tokens cannot be used to reset a password |
| Email delivery logs | Retained as needed for delivery troubleshooting and operational or legal requirements |
| Security and account-activity logs | Retained as needed to investigate misuse and meet operational or legal requirements |
| Review-request records | Retained as needed to arrange and document the requested review and meet applicable obligations |
Deletion from the live portal does not necessarily delete records already held in connected CRM systems, email systems, or by an agent. Contact us to request deletion of those records as well. Backup copies may retain earlier data until they are replaced or securely removed; a recovery operation must also take account of subsequent deletion and opt-out requests.
Write to eswar@preferone.net or call (832) 850-1979. We aim to acknowledge privacy requests within 7 days. Completing a request may take additional time to verify your identity and locate relevant records; applicable legal response deadlines still apply.
The platform is intended for adult residents of the United States, including California. Depending on your state and which privacy laws apply to our business, you may have rights to access, correct, delete, or obtain a copy of personal information, and to opt out of certain uses or disclosures. Where applicable, you may also have rights concerning sensitive information or to appeal a decision. Contact us through the methods above to exercise those rights or request an explanation of a decision.
We do not sell personal information or use website advertising cookies to share it for cross-context behavioral advertising. We will not discriminate against you for exercising applicable privacy rights. These statements do not restrict rights available to you under applicable law.
No system is perfectly secure. We cannot guarantee absolute security, and you should use a password you do not use anywhere else.
This service is intended for adults planning for retirement. It is not directed at children, and we do not knowingly collect information from anyone under 18. If you believe a child has given us information, write to eswar@preferone.net so we can investigate and take appropriate deletion steps.
If we change this policy we will update the date at the top. If a change materially affects how we use your information, we will tell you by email or through the portal before it takes effect.
RetirementOS Inc
131 Wake Valley Ct, Conroe, TX 77394
eswar@preferone.net
(832) 850-1979