Privacy Policy

This Privacy Policy explains how Retirement Research Foundation (“Company”, “we”, “us”, “our”) collects, uses, protects, and manages information when you interact with https://stableretirementresearch.com (the “Website”) or engage with our SMS communication services.

By accessing the Website or submitting personal information, you agree to the practices described in this Policy.

1. Business Information

Retirement Research Foundation operates StableRetirementResearch.com as an informational resource providing retirement-focused research, financial insights, educational materials, and general market updates.

We are committed to presenting reliable information while respecting user privacy and ensuring responsible data handling.

For inquiries or privacy-related requests, you may contact us using the details below:

• Business Name: Retirement Research Foundation
• Website: https://stableretirementresearch.com
• Email: support@stableretirementresearch.com
• Business Address: 8765 W Higgins Rd Ste 430, Chicago, IL 60631-4172

2. Why We Collect Information

We collect information to:

• provide accurate SMS updates and service notifications
• understand user needs and improve content quality
• enhance Website functionality and performance
• maintain security and compliance
• operate communication systems responsibly

Our intention is to use data only for operational, educational, and communication-related purposes.

3. Information We Collect

We may collect certain categories of information when you visit StableRetirementResearch.com or interact with our services. This includes both information you voluntarily provide and information automatically gathered through standard technologies.

The types of data we may collect include:

• Personal details you submit, such as your name and mobile phone number
• Information included in forms, messages, or inquiries you send to us
• Preferences, interests, and survey responses voluntarily provided
• Requests for updates or communication, including SMS sign-ups
• Technical identifiers such as IP address, browser type, device type, and operating system
• Usage activity including pages viewed, timestamps, click paths, and session duration
• Navigation data such as referring and exit URLs
• Security and diagnostics data collected through cookies, server logs, and analytics tools

This combined information helps us operate, secure, and improve the Website and communication systems. It is not linked to personally identifiable information unless you voluntarily choose to provide such details.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• store user preferences
• monitor site performance
• personalize navigation
• analyze aggregated user behavior

You can disable cookies in your browser settings. Third-party analytics tools may also use their own tracking technologies, governed by their respective privacy policies.

5. Your Rights and Choices

Depending on your jurisdiction, you may have rights to:

• access your personal information
• request correction or deletion
• withdraw consent for SMS communications
• restrict or object to certain processing activities

To exercise these rights, contact us at support@stableretirementresearch.com.

6. How We Use Your Information

We may use your information to:

• send SMS notifications you opted into
• respond to inquiries and provide support
• optimize Website structure and content
• personalize educational messaging
• conduct analytics and maintain system integrity
• ensure compliance with applicable regulations

We do not provide brokerage, advisory, or investment services, and we do not use personal information for financial advice.

7. SMS Communications (Expanded Text Messaging Policy)

When you submit your phone number on StableRetirementResearch.com, you may choose to join our SMS communication program.

Types of SMS Messages You May Receive

• Service Messages: confirmations, follow-ups, responses to inquiries
• Research & Market Insights: brief educational messages highlighting market shifts or retirement-related observations
• Promotional Notices (Optional): announcements of new content, features, or related resources

Frequency and Automation

• SMS messages may be recurring
• Messages may be delivered using automated systems
• Message frequency varies based on engagement and preferences
• Standard message and data rates may apply

Your Consent Under TCPA
By opting in, you provide express written consent to receive automated SMS messages as permitted under the Telephone Consumer Protection Act (TCPA). Consent is not required to access Website content or request information.

Opt-Out Instructions
You may unsubscribe at any time by replying: STOP, UNSUBSCRIBE, CANCEL, QUIT, or END.
For assistance, reply HELP or contact support@stableretirementresearch.com.

SMS Data Protection

• Opt-in records (timestamp, consent language, phone number) are securely stored
• Mobile numbers are not sold, rented, or shared with third-party marketers
• SMS data is used exclusively for the purposes described in this Policy

8. Data Sharing and Disclosure

We may share information only when necessary:

• with contracted service providers (hosting, analytics, SMS delivery platforms)
• to comply with legal obligations or government requests
• to ensure security or prevent misuse
• in the event of organizational transitions such as a merger or asset transfer

We do not sell personal information for independent third-party advertising.

9. Data Security and Retention

We use commercially reasonable measures—such as encryption, access controls, and monitoring—to protect personal information.

We retain data only as long as necessary to:

• maintain communication
• ensure compliance
• support operational needs

Anonymized or aggregated data may be retained longer for analysis.

10. Children’s Privacy

The Website is not intended for individuals under 13. We do not knowingly collect data from children. If you believe a minor has provided information, contact us so we can remove it promptly.

11. Third-Party Links

Our Website may contain links to external sites. We do not control, endorse, or assume responsibility for third-party content or privacy practices. Users should review external policies independently.

12. Policy Updates

We may revise this Privacy Policy periodically. Updates will be posted at https://stableretirementresearch.com. Continued use of the Website constitutes acceptance of any updated terms.

13. Contact Information

If you have questions or concerns about this Privacy Policy, please contact:

• Retirement Research Foundation
• 8765 W Higgins Rd Ste 430, Chicago, IL 60631-4172
• support@stableretirementresearch.com
• https://stableretirementresearch.com