At Labbato Retirement Network, your privacy is a top priority. This Privacy Policy explains how we collect, use, protect, and share your personal information when you visit our website or use our services. By using our website or engaging with our services, you consent to the practices described in this policy.
1. Information We Collect
We collect personal and non-personal information to provide you with the best retirement and insurance solutions. This information may include:
Personal Information:
- Name, date of birth, and age
- Contact details (address, email, phone number)
- Financial information (income, assets, retirement savings)
- Insurance preferences and goals
Non-Personal Information:
- IP address, browser type, and device information
- Website usage data, pages visited, and navigation patterns
- Cookies and tracking data
2. How We Use Your Information
We use the information we collect to:
- Provide and customise our retirement and insurance advisory services
- Communicate with you about our products, services, and updates
- Match you with suitable Fixed Indexed Annuities, Fixed Annuities, Whole Life, Term Life, or Final Expense Insurance products
- Improve website functionality, performance, and user experience
- Comply with legal, regulatory, and reporting requirements
3. How We Share Your Information
We value your trust and do not sell your personal information. Your information may be shared only in the following circumstances
- With service providers: To help us deliver our services, including insurance carriers or financial partners, in a secure and confidential manner
- For legal reasons: If required by law, regulation, or legal process
- Business transfers: In the event of a merger, acquisition, or sale of our business
We require all partners and service providers to maintain the confidentiality and security of your personal information
4. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience:
- Essential Cookies: Necessary for website operation and service delivery
- Analytics Cookies: Collect usage information to improve our services and website
- Advertising Cookies: May be used to provide relevant offers or content
You may disable cookies in your browser settings, but some website features may not function properly if cookies are blocked.
5. Data Security
We implement industry-standard physical, electronic, and procedural safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to use commercially reasonable security measures, no method of transmission or storage is completely secure.
6. Data Retention
We retain your personal information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce agreements. When no longer needed, your data is securely deleted or anonymized.
7. Your Rights
You have the following rights regarding your personal information:
- Access and obtain a copy of your data
- Request corrections to inaccurate or incomplete information
- Request deletion of your data when permitted by law
- Opt-out of marketing communications
8. Children’s Privacy
We do not knowingly collect information from children under 13. If we become aware of any such data, we will take steps to delete it. However, our products and services may be available to any individual who is at least 18 years of age and legally eligible to enter into a financial contract.
9. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in practices, services, or legal requirements. The updated policy will be posted on this page with a revised “Effective Date.” Continued use of our services constitutes acceptance of any changes.
10. Contact Us
If you have any questions, concerns, or requests regarding your privacy or this Privacy Policy, contact us:
Labbato Retirement Network
Email: carmen.labbato@gmail.com
Phone: 440-725-6480