Privacy Policy

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Protecting your private information is our priority. This Statement of Privacy applies to www.VanRichards.com and Van Richards, and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Van Richards include www.VanRichards.com. The VanRichards.com website is a retirement planning information and educational site. By using the VanRichards.com website, you consent to the data practices described in this statement.

In order to better provide you with products and services offered on our Site, Van Richards may collect personally identifiable information, such as your:

For General Website Use and Educational Resources:

• First and Last Name
• E-mail Address
• Phone Number
• Date of Birth (for retirement planning purposes)
• General financial information (voluntarily provided for consultation purposes)

For Insurance Products and Services:

When you apply for or purchase insurance products (including annuities, life insurance, disability insurance, or long-term care insurance) through A. Van Richards as an independent insurance agent, we may collect additional personal information required for insurance underwriting and policy issuance, including but not limited to:

• Social Security Number
• Date of Birth
• Health information and medical history
• Financial information (income, net worth, existing insurance coverage)
• Beneficiary information
• Employment information
• Driving records (for certain insurance products)
• Other information required by insurance carriers for underwriting purposes

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through VanRichards.com's public message boards or contact forms, this information may be collected and used by others.

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include:

(a) registering for an account on our Site
(b) downloading free resources (such as the Complete Social Security Planning Guide)
(c) signing up for our email newsletter or retirement planning tips
(d) scheduling a consultation
(e) applying for insurance products or annuities
(f) sending us an email message
(g) submitting your credit card or other payment information when ordering and purchasing products and services on our Site

To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Van Richards collects and uses your personal information to operate its website(s) and deliver the services you have requested.

For Advisory Services:

Van Richards may use your personally identifiable information to inform you of other products or services available from Van Richards and its affiliates, including:

• Retirement income planning services
• Social Security optimization strategies
• Educational content and resources
• Webinars, workshops, or events
• Updates to retirement planning tools or calculators

For Insurance Products:

Personal information collected for insurance purposes is used to:

• Process insurance applications and quotes
• Submit applications to insurance carriers for underwriting
• Establish and maintain insurance policies
• Process claims (if applicable)
• Provide ongoing policy service and support
• Comply with legal and regulatory requirements
• Maintain records as required by state insurance regulations

Van Richards does not sell, rent, or lease its customer lists to third parties.

For General Website and Advisory Services:

Van Richards may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Van Richards, and they are required to maintain the confidentiality of your information.

Third-party service providers we may use include:

• Email marketing platforms (e.g., ConvertKit/Kit)
• Website hosting services (e.g., GoDaddy)
• Calendar/scheduling tools (e.g., Calendly)
• Analytics services (e.g., Google Analytics)
• Payment processors (for service fees)

For Insurance Products:

When you apply for insurance products, your personal information will be shared with:

• Insurance carriers and underwriters for application processing, underwriting, and policy issuance
• Medical Information Bureau (MIB) and other consumer reporting agencies as required for underwriting
• Reinsurance companies as necessary for policy placement
• State insurance departments as required by law
• Other insurance agents or brokers if necessary to place your coverage
• Third-party administrators for policy servicing

Insurance carriers are required by law to maintain the privacy and security of your personal information and may only use it for legitimate insurance business purposes.

Legal Requirements:

Van Richards may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to:

(a) conform to the edicts of the law or comply with legal process served on Van Richards or the site
(b) protect and defend the rights or property of Van Richards
(c) act under exigent circumstances to protect the personal safety of users of VanRichards.com or the public
(d) comply with state and federal insurance regulations and reporting requirements

Personal information collected for insurance purposes will be retained in accordance with state insurance regulations, which typically require retention of records for a minimum of 5-7 years following policy termination. Advisory records are retained in accordance with SEC requirements.

As an insurance applicant or policyholder, you have certain rights regarding your personal information:

• Right to Access: You may request access to the personal information we maintain about you
• Right to Correct: You may request correction of inaccurate information
• Right to Request Disclosure: You may request information about how we share your data with insurance carriers
• Right to Opt-Out: You may opt-out of information sharing for marketing purposes (note: this does not apply to information sharing necessary for insurance underwriting and policy servicing)

To exercise these rights, please contact us using the information at the end of this policy.

Van Richards may keep track of the websites and pages our users visit within VanRichards.com, in order to determine what content and services are the most popular. This data is used to deliver customized content and information to customers whose behavior indicates that they are interested in particular retirement planning topics (such as Social Security planning, tax-efficient withdrawal strategies, or annuity analysis).

Information about your computer hardware and software may be automatically collected by VanRichards.com. This information can include: your IP address, browser type, domain names, access times, and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the VanRichards.com website.

Cookies: VanRichards.com may use cookies to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the VanRichards.com website.

This website contains links to other sites, including but not limited to:

• Social Security Administration (ssa.gov)
• IRS resources
• Third-party financial planning tools
• Educational resources
• Insurance carrier websites

Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Van Richards secures your personal information from unauthorized access, use, or disclosure. Van Richards uses the following methods for this purpose:

• SSL Protocol
• Secure hosting environments
• Password-protected systems for client information
• Regular security updates and monitoring
• Secure transmission of insurance applications to carriers

When personal information (such as a credit card number or Social Security Number) is transmitted to other websites or insurance carriers, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that:

(a) there are security and privacy limitations inherent to the Internet which are beyond our control; and
(b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

VanRichards.com does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Given the nature of retirement planning services, our content and services are intended for adults aged 50 and older.

From time to time, Van Richards may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication related to retirement planning, Social Security strategies, and financial education.

Types of emails you may receive:

• Welcome emails after downloading resources
• Educational content and retirement planning tips
• Invitations to webinars or workshops
• Service updates or consultation reminders
• Newsletters with retirement planning insights
• Insurance policy updates and renewal notices

In order to improve our Services, we may receive a notification when you open an email from Van Richards or click on a link therein.

Opt-Out: If you would like to stop receiving marketing or promotional communications via email from Van Richards, you may opt-out of such communications by clicking on the UNSUBSCRIBE button at the bottom of any email. Please note that you may still receive transactional emails related to services you have specifically requested (such as consultation confirmations, insurance policy servicing communications, or client service communications).

We may store your data on servers provided by third-party hosting vendors with whom we have contracted. These vendors are required to maintain appropriate security measures and confidentiality of your information.

Investment Advisory Services:

As a Registered Investment Adviser, Richards Financial Planning, LLC complies with applicable privacy regulations, including:

• SEC Regulation S-P (Privacy of Consumer Financial Information)
• Gramm-Leach-Bliley Act (GLBA) requirements
• State privacy laws applicable to financial services

For information about privacy practices related to advisory services provided through Richards Financial Planning, LLC, please refer to the firm's Form ADV Part 2A, available at www.adviserinfo.sec.gov or upon request.

Insurance Products:

As an independent insurance agent, A. Van Richards complies with applicable state insurance privacy regulations, including but not limited to:

• State insurance information and privacy protection laws
• National Association of Insurance Commissioners (NAIC) Privacy Model Act provisions
• HIPAA (Health Insurance Portability and Accountability Act) where applicable
• Texas Insurance Code privacy requirements

Insurance carriers to whom we submit applications have their own privacy policies, which will be provided to you as part of the application process.

Van Richards reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by:

• Sending a notice to the primary email address specified in your account
• Placing a prominent notice on our site
• Updating the "Effective Date" at the bottom of this policy

Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Van Richards welcomes your questions or comments regarding this Statement of Privacy. If you believe that Van Richards has not adhered to this Statement, please contact us at:

Van Richards
c/o Richards Financial Planning, LLC
15923 Pinyon Creek Dr.
Houston, Texas 77095

Email: van@vanrichards.com
Phone: (713) 320-6124
Website: www.VanRichards.com

Advisory Services:
Advisory services are offered through Richards Financial Planning, LLC, a registered investment adviser. For additional privacy information related to advisory services, please see:

• Richards Financial Planning, LLC Privacy Notice (Form ADV Part 2A)
• Available at www.adviserinfo.sec.gov or upon request

Insurance Products:
Insurance products and services are offered through A. Van Richards as an independent insurance agent. Privacy practices for insurance services comply with applicable state insurance regulations. You will receive a separate privacy notice from insurance carriers when you apply for or purchase insurance products.

Effective Date: January 1, 2025

Last Updated: January 1, 2025