This Privacy Policy explains how MyRetirementPlan.ai, Inc. ("Company," "we," "us," or "our") collects, uses, discloses, and protects information when you use Advisor Copilot and related services (the "Platform").
1. Data We Collect
Depending on how you use the Platform, we may collect:
- Identity and account data (name, email, authentication information, account preferences).
- Financial profile data you provide or connect (assets, liabilities, income, expenses, goals, documents).
- Usage and technical data (device details, log events, session events, diagnostics, and security signals).
- Communications and support records (messages, feedback, and support interactions).
- Integration data from third-party services you authorize us to connect.
2. How We Use Data
We use data primarily to deliver and improve your experience and outcomes, including to:
- Operate core features such as financial dashboards, projections, scenario analysis, and AI-assisted workflows.
- Personalize insights and recommendations for your stated goals and profile.
- Support account security, fraud prevention, abuse detection, and incident response.
- Provide support, service communications, and product notices.
- Improve reliability, accuracy, and usability of the Platform.
3. Data Use for Client Benefit
We use client data to provide value to the client using the Platform, including better visibility, planning, and decision support. We do not use your personal financial information to sell unrelated products to third parties.
4. No Sale of Personal Data
We do not sell your personal data, including personal financial data. We also do not share personal financial data for third-party cross-context behavioral advertising.
5. When We Share Data
We may share data only as needed to operate the Platform and comply with law, including with:
- Service providers and subprocessors under contractual confidentiality and security obligations.
- Third-party integrations you authorize.
- Professional advisors, auditors, or potential acquirers under appropriate safeguards.
- Law enforcement or regulators when required by applicable law, legal process, or safety obligations.
6. Legal Bases and Compliance
We process data where there is a valid legal basis, such as contract performance, consent, legitimate interests, or legal obligations, depending on applicable jurisdiction.
7. Data Retention
We retain information as long as needed for service delivery, legitimate business purposes, legal compliance, dispute resolution, and enforcement of agreements. Retention periods vary by data type and legal requirements.
8. Security Safeguards
We implement administrative, technical, and organizational safeguards designed to protect personal data, including encryption in transit and at rest, access controls, monitoring, and least-privilege practices. No system is guaranteed to be 100% secure.
9. Cookies and Analytics
We use cookies and similar technologies for session management, security, functionality, measurement, and product improvement. You may control certain cookie settings through browser controls.
10. AI and Product Improvement
We may use data to improve Platform performance and quality. Where feasible, we use de-identified or aggregated data for analytics and model/system improvements. We maintain safeguards against unauthorized re-identification.
11. Your Privacy Rights
Subject to applicable law, you may have rights to:
- Access, correct, update, or delete certain personal information.
- Request data portability for information you provided.
- Object to or restrict certain processing in specific circumstances.
- Withdraw consent where processing is based on consent.
- Opt out of non-essential communications.
We may need to verify identity before fulfilling requests. Some rights may be limited where legal exceptions apply.
12. Children's Privacy
The Platform is not directed to children under 13 (or the relevant age threshold in your jurisdiction), and we do not knowingly collect personal data from children in violation of law.
13. International Data Transfers
If data is transferred across borders, we implement commercially reasonable and legally recognized safeguards as required by applicable law.
14. Policy Updates
We may update this Privacy Policy periodically. Material changes will be reflected by updating the "Last Updated" date and, where required, by additional notice.
15. Contact
For privacy questions or rights requests, contact [email protected] or call 1-855-947-5470.
Advisor Copilot is a financial technology platform. It is a software tool and does not provide personalized financial, legal, or tax advice.