Privacy Policy

By using the Website or submitting your information to us, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with it, please do not use the Website or provide us with your information.

1. Who We Are

PSR Retirement Services provides retirement planning education and guidance, and helps individuals and families in Puerto Rico evaluate insurance and annuity solutions designed to protect and grow their retirement savings. Our office is located at 1332 Ave. Roosevelt, San Juan, Puerto Rico.

2. Information We Collect

2.1 Information You Provide to Us

We collect information you choose to give us, including when you fill out a form, register for an event, request our checklist or other free resources, schedule a consultation, or communicate with us. This may include:

• Contact details: full name, email address, phone number, WhatsApp number, mailing address and preferred language.
• Profile and planning details: date of birth or age range, marital status, employer or employment sector (for example, federal, state, municipal or private employment), years of service, estimated retirement date and retirement goals.
• Financial and insurance information: information you voluntarily share during a consultation, such as existing retirement accounts, savings, insurance policies, beneficiaries and income needs.
• Event and consultation details: the workshop or session you register for, your attendance, and questions or comments you submit.
• Communications: the content of messages, calls, emails, WhatsApp chats and social media messages you send us.

2.2 Information Collected Automatically

When you visit the Website, we and our service providers may automatically collect technical information such as your IP address, browser type, device type, operating system, pages viewed, time spent on pages, referring website or advertisement, and general location (city or region). We collect this information using cookies, pixels and similar technologies. Please see our Cookies Policy for details.

2.3 Information from Third Parties

We may receive information about you from third parties, including social media and advertising platforms (for example, when you submit a lead form on Facebook or Instagram), event partners or co-hosts, scheduling tools, and insurance carriers with which you apply for a product through us.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and requests for information, consultations or quotes.
• Register you for workshops, seminars and events, and send confirmations, reminders and follow-up materials.
• Deliver free resources you request, such as our “Plan Without Risk” retirement checklist.
• Provide retirement planning education and evaluate insurance and annuity options that may fit your needs.
• Help you complete and submit applications to insurance carriers, when you ask us to.
• Send you educational content, newsletters, event invitations and service updates (you may opt out at any time).
• Operate, maintain, secure and improve the Website and our services.
• Measure the performance of our advertising and understand how visitors use the Website.
• Comply with legal, regulatory, licensing and recordkeeping obligations, and protect our rights and the rights of others.

4. Calls, Text Messages, WhatsApp and Email

When you provide your phone number or email address through the Website, a form, an advertisement or an event registration, you agree that PSR may contact you at that number or address by phone call, text message (SMS), WhatsApp or email regarding your request, scheduled appointments, events and related retirement planning information. Consent to receive marketing messages is not a condition of any purchase. Message and data rates may apply.

You can opt out at any time by replying “STOP” to a text message, telling us during a call or WhatsApp chat, clicking the “unsubscribe” link in our emails, or contacting us using the details below. We may still send you non-marketing messages related to services you have requested.

5. How We Share Your Information

We do not sell your personal information, and we do not share it with unaffiliated third parties for their own marketing purposes. We may share your information only as follows:

• Insurance carriers and product issuers: when you ask us to request a quote or submit an application, we share the information needed to process it with the relevant insurance company.
• Service providers: companies that help us operate our business, such as website hosting, email and messaging platforms, customer relationship management (CRM) tools, scheduling, analytics and advertising services. They may use your information only to perform services for us.
• Event partners: if you register for an event that we co-host with another organization, we may share your registration details with that co-host. We will identify co-hosts on the registration page or materials.
• Legal and regulatory purposes: when required by law, subpoena, court order or a regulator (including insurance regulators), or to protect the rights, safety and property of PSR, our clients or others.
• Business transfers: in connection with a merger, acquisition, sale of assets or similar transaction, subject to this Privacy Policy.
• With your consent: in any other case where you direct or authorize us to share your information.

6. Nonpublic Personal Financial Information

Information you share with us about your finances, insurance or retirement accounts is treated as confidential. We handle nonpublic personal information in accordance with applicable federal law and the privacy requirements that apply to insurance professionals in Puerto Rico, and we limit access to people who need it to serve you.

7. Advertising and Social Media

We advertise on platforms such as Facebook, Instagram and Google. These platforms may use cookies, pixels and similar technologies to show you our ads, measure their results, and build audiences of people with similar interests. We may share limited information (such as a hashed email address or phone number) with these platforms for advertising measurement and audience purposes. Your interactions with these platforms are also governed by their own privacy policies.

8. Data Retention

We keep your personal information for as long as needed to fulfill the purposes described in this Privacy Policy, including to provide services, maintain our relationship with you, and meet legal, tax, regulatory and licensing recordkeeping requirements. When information is no longer needed, we delete or de-identify it securely.

9. Data Security

We use reasonable administrative, technical and physical safeguards to protect your personal information from unauthorized access, loss, misuse or alteration. However, no method of transmission over the internet or electronic storage is 100% secure. Please do not send sensitive information such as Social Security numbers or full account numbers through Website forms, social media messages or unencrypted email; we will provide a secure method when that information is required.

10. Your Choices and Rights

Depending on applicable law, you may have the right to:

• Request access to the personal information we hold about you.
• Request that we correct inaccurate or incomplete information.
• Request that we delete your information, subject to our legal and recordkeeping obligations.
• Opt out of marketing emails, text messages, WhatsApp messages and calls.
• Manage cookies and advertising preferences as described in our Cookies Policy.

To make a request, contact us using the information in Section 16. We may need to verify your identity before responding.

11. Children’s Privacy

The Website and our services are intended for adults. We do not knowingly collect personal information from children under 18. If you believe a minor has provided us with personal information, please contact us and we will delete it.

12. Third-Party Links

The Website may contain links to third-party websites, including insurance carriers, government agencies and social media platforms. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies.

13. Where Your Information Is Stored

PSR is based in Puerto Rico, and our service providers may store and process information in the United States. By using the Website, you understand that your information will be processed in the United States and its territories.

14. Language

This Privacy Policy may be made available in English and Spanish. If there is any conflict between versions, the English version will control, unless applicable law requires otherwise.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will post the updated version on this page and change the “Last Updated” date above. Material changes may also be communicated through the Website or by email. Your continued use of the Website after an update means you accept the revised Privacy Policy.

16. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us: