Privacy Policy

Information We Collect

At boaanknas, we collect information that helps us provide better retirement planning services for educators. The data we gather falls into several categories, each serving specific purposes in delivering personalized financial guidance.

We collect this information through various means including account registration, form submissions, direct communication with our team, cookies and tracking technologies, and third-party integrations with financial institutions when you provide consent.

How We Use Your Information

Your information helps us create personalized retirement planning experiences tailored specifically for educators. Here's how we put your data to work:

• Provide customized retirement planning advice based on teacher-specific pension systems and benefits
• Calculate projected retirement income using your current savings and contribution rates
• Send educational content about retirement planning strategies relevant to your career stage
• Offer personalized recommendations for 403(b), 457(b), and IRA contributions
• Connect you with qualified financial advisors who understand educator retirement systems
• Improve our website functionality and user experience based on usage patterns
• Respond to your questions and provide customer support
• Send important updates about changes to teacher retirement benefits or our services
• Conduct research to better understand educator financial needs and challenges

We process your personal information based on several legal grounds including your consent, legitimate business interests in providing financial education services, contractual necessity to deliver requested services, and compliance with legal obligations in the financial services industry.

Information Sharing and Disclosure

We believe in being completely transparent about when and how we share your information. Your trust is essential to our mission of helping educators achieve financial security.

We may share your information with trusted partners and service providers who help us deliver our services. This includes financial advisors in our network who are qualified to work with educators, technology providers who help us maintain secure systems and process data, customer service platforms that help us respond to your inquiries, and email marketing services that deliver educational content with your permission.

We will also disclose information when legally required, such as in response to valid legal requests from law enforcement, to comply with court orders or subpoenas, to protect our legal rights and prevent fraud, or during business transactions like mergers or acquisitions.

All third-party partners who receive your information are contractually required to maintain the same level of data protection and security that we provide. They cannot use your information for their own marketing purposes without your separate consent.

Data Security and Protection

Protecting your financial information is our top priority. We've implemented comprehensive security measures designed to safeguard your data from unauthorized access, modification, or disclosure.

• SSL encryption for all data transmission between your browser and our servers
• Regular security audits and penetration testing by independent security firms
• Multi-factor authentication for all staff accessing user data
• Encrypted data storage with regular backup procedures
• Limited access controls ensuring only authorized personnel can view your information
• Regular staff training on data protection and privacy best practices
• Incident response procedures to quickly address any potential security issues
• Compliance with financial industry security standards and regulations

While we maintain industry-leading security practices, no system is completely immune to threats. We recommend that you also take precautions by using strong, unique passwords, logging out of your account when finished, and keeping your contact information updated so we can reach you if needed.

In the unlikely event of a data breach affecting your personal information, we will notify you within 72 hours via email and provide clear information about what happened, what information was involved, and what steps we're taking to address the situation.

Your Privacy Rights

You have significant control over your personal information and how we use it. Understanding your rights helps you make informed decisions about your data.

To exercise any of these rights, contact us using the information provided below. We'll respond to your request within 30 days and may need to verify your identity to protect your information from unauthorized access.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, and protect our legitimate business interests.

Generally, we keep account information for as long as your account remains active plus seven years after closure to comply with financial record-keeping requirements. Communication records are kept for three years to help us improve our services and resolve any issues. Usage data and analytics are typically retained for two years in anonymized form for service improvement purposes.

When you request deletion of your account, we will permanently remove your personal information within 30 days, except for data we're legally required to retain. This includes some financial records that must be kept for regulatory compliance purposes.

We use secure deletion methods to ensure that removed data cannot be recovered or reconstructed. Backup systems are also purged according to our data retention schedule.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and help us understand how our services are used. These small data files help us remember your preferences and improve our website's functionality.

• Essential cookies that enable core website functionality like secure login and account access
• Performance cookies that help us understand which pages are most useful to visitors
• Functionality cookies that remember your preferences and settings
• Marketing cookies that help us show you relevant educational content

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some website functionality. We also use Google Analytics to understand website usage patterns, but this data is anonymized and cannot be used to identify individual users.

We do not use cookies to track your activity across other websites or build profiles for advertising purposes outside of our educational content.

Children's Privacy

boaanknas's services are designed for adults who are actively teaching or planning for retirement. We do not knowingly collect personal information from children under 13 years of age.

If we discover that we have inadvertently collected information from a child under 13, we will delete that information immediately. Parents or guardians who believe their child may have provided information to us should contact us right away.

Our website content and services are specifically tailored for adult educators and contain financial planning information appropriate for working professionals.

International Data Transfers

boaanknas primarily serves educators in the United States, and your personal information is stored and processed on servers located within the United States. We ensure that all data processing meets or exceeds U.S. privacy protection standards.

If we ever need to transfer data internationally for service provision, we will implement appropriate safeguards such as standard contractual clauses or adequacy decisions to protect your information during transfer and processing.

Any international partners or service providers we work with must demonstrate compliance with privacy protection standards equivalent to those required in the United States.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through email and by posting a notice on our website.

Minor updates that don't materially affect your rights will be posted with an updated "Last Modified" date. We encourage you to review this policy periodically to stay informed about how we protect your information.

Your continued use of our services after any privacy policy changes indicates your acceptance of the updated policy. If you disagree with any changes, you can close your account or contact us to discuss your concerns.