Effective Date: March 8, 2026 | Last Updated: March 8, 2026
Retirement Protectors, Inc. (“RPI,” “we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website retireprotected.com, use our services, or otherwise interact with us.
By using our website or engaging our services, you consent to the practices described in this Privacy Policy.
1. Who We Are
Retirement Protectors, Inc. is a licensed insurance and financial services firm based in West Des Moines, Iowa. We provide services across Medicare, retirement planning, life insurance, and legacy planning.
2. Information We Collect
Information You Provide Directly
- Contact information: Name, address, email address, phone number
- Financial information: Income, assets, account balances, policy numbers, beneficiary designations
- Health information: Medicare eligibility, health conditions relevant to insurance underwriting or claims
- Identity information: Date of birth, Social Security number (last 4 digits displayed; full number stored encrypted), Medicare ID
- Employment information: Employer, retirement status
- Communications: Emails, call recordings (with consent), meeting notes, text messages you send to or receive from us
Information Collected Automatically
- Website usage data: Pages visited, time on site, referring URL
- Device information: Browser type, operating system, IP address
- Cookies and similar technologies: We use cookies to improve your browsing experience and analyze site traffic
3. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve our insurance, financial planning, and advisory services
- Process applications, claims, and policy changes
- Communicate with you about your accounts, policies, and appointments
- Send appointment reminders, service notifications, and account alerts via email, phone, or text message
- Comply with legal and regulatory obligations
- Respond to your inquiries and provide customer support
- Analyze website usage to improve our online experience
4. How We Protect Your Information
Safeguarding your personal and financial information is foundational to everything we do. We employ a multi-layer security approach:
- Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256) — the same standards used by financial institutions
- Multi-factor authentication: Every team member must verify their identity with both password and phone authentication before accessing client data
- Role-based access: Team members only see the information necessary for serving you — your Medicare specialist does not see investment details, and vice versa
- Audit trails: Every access to your record is logged with timestamp and team member identity
- Infrastructure: Our systems run on Google Cloud infrastructure, which maintains SOC 2 Type II, ISO 27001, and HIPAA certifications
- Device security: Client information is only accessed from company-managed and secured devices with full-disk encryption
- Team training: Every team member completes annual information security training covering current threats and best practices
5. How We Share Your Information
We do not sell your personal information. We may share your information with:
- Insurance carriers: To process applications, underwriting, claims, and policy servicing
- Service providers: Third-party vendors who assist with our operations (e.g., secure cloud hosting, communication platforms), all bound by data protection agreements
- Regulatory authorities: When required by law, regulation, or legal process
- With your consent: When you direct us to share information with other parties
All third-party vendors handling client data must meet our security requirements, including encryption, access controls, and — where applicable — HIPAA Business Associate Agreements.
6. HIPAA & Health Information
When handling Medicare and health-related information, we comply with the Health Insurance Portability and Accountability Act (HIPAA) Privacy and Security Rules. We have executed a Business Associate Agreement with Google covering all Workspace services. Protected Health Information (PHI) is stored exclusively within HIPAA-compliant systems and is never transmitted via unencrypted channels.
7. AI-Assisted Services
We use AI-powered tools to help analyze complex scenarios and generate documents. Your data is never stored by or used to train AI models. All AI-generated work is reviewed by experienced professionals before any action is taken. AI tools are used for operational efficiency only — never as a database for client records.
8. Your Rights
Depending on your state of residence, you may have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your personal information (subject to regulatory retention requirements)
- Opt out of certain data processing activities
- Opt out of text message communications at any time by replying STOP
Iowa residents: RPI operates in compliance with the Iowa Consumer Data Protection Act (effective January 1, 2025). To exercise your rights, contact us using the information below.
9. Data Retention
We retain your personal information for as long as necessary to provide our services, comply with legal and regulatory obligations, and resolve disputes. Insurance and financial records are retained according to applicable state and federal requirements. When data is no longer needed, it is securely deleted.
10. Cookies
Our website uses cookies and similar tracking technologies to improve your experience and analyze site usage. You can manage cookie preferences through your browser settings. Disabling cookies may affect certain website functionality.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of other sites. We encourage you to review the privacy policies of any site you visit.
12. Children’s Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.
13. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this page periodically.
14. Contact Us
If you have questions about this Privacy Policy, how we handle your information, or wish to exercise your privacy rights, please contact us:
Retirement Protectors, Inc.
West Des Moines, Iowa 50266
Phone: (515) 992-5000
Email: compliance@retireprotected.com
Insurance products and services are offered through Retirement Protectors, Inc.