online privacy policy
(Effective as of January 1, 2020)

On we strive to provide you with practical, knowledgeable, and reliable information about retirement planning. You can access this information on our site anonymously. Whether using our planning tools or accessing our educational content, you do not need to provide personal information whatsoever. Whenever you do supply personal information, such as your name, address, telephone number, or email address, it is kept secure and used solely to answer your inquiry, comply with your request, or supply you with information about resources and services to help you meet your needs.

We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud, or to comply with an inquiry by a governmental agency.

What information is collected by and how is it used?

You can access information on our site without providing any of your personal information. When you do choose to provide us with your personal information on our site, we will use it to contact you to fulfill your requests and provide additional information related to retirement income planning. The categories of personally identifiable information we collect include: first and last name, physical address, email address, telephone number, and any other information you provide to us on our site. We may use both email and telephone to contact you, if you have provided the appropriate information. We may share your personally identifiable information with insurance marketing companies, insurance agents and agencies.

Like many websites, we collect anonymous information about our users and their systems. When users come to our site, some of the information we collect includes IP addresses, browser types, the domain users came from, and users’ likely country of origin. This anonymous information is aggregated and is not associated with individual users. It is collected to help us analyze usage patterns, improve the site’s overall performance, and provide information useful to our users.

How long will maintain information about me?

The information you supply will be maintained until you ask us to remove you from our subscription or calling lists.

How does use cookies?

Like other websites, uses cookies. A cookie is a small text file containing a unique identifier that is placed on your computer when you visit our site. Cookies are used to store information so that our server can properly identify your computer. We also use cookies to generate meaningful usage statistics, for example, how many visitors entered the site, and/or specific pages that were visited. Cookies do not damage your system or files in any way.

The use of cookies by our partners, affiliates, tracking utility company, and service providers is not covered by our privacy policy. We do not have access or control over these cookies. In addition, third party partners may employ clear gifs (a.k.a. Web Beacons/Web Bugs), images, and scripts to help them better manage content on our site. This information may be tied to users’ personal information.

Most browsers recognize when a cookie is offered and allow users to opt-out of receiving them. If you are not sure whether your browser has this capability, you should check with the software manufacturer or your Internet Service Provider (ISP). At this time, our websites do not respond to browser Do Not Track signals or similar mechanisms.

What security measures does the site maintain to protect my personal information?

We have implemented generally accepted standards of technology and operational security to protect personal information collected online from loss, misuse, alteration, or destruction. All personal information you supply on the site is encrypted during transmission and then stored on a secure server. However, you should be aware that our return email messages to you cannot be encrypted and thus cannot be considered fully secure. Non-encrypted email can be intercepted and viewed by other Internet users without your knowledge or consent.

How does the site protect children’s privacy?

Our site is not intended for children under 13 years of age. We do not knowingly collect or maintain personal information online from, or market online to, children under 13 years of age.

How can international visitors use the site?

Although only addresses products sold and situations encountered within the United States, we welcome visitors from other countries. You can review our products and services, use our calculators, and access articles that may be of interest to you. As a company based in the United States of America, we operate under United States laws and regulations and information received from international users will be stored and processed in the United States.

How will I know if the site changes its Privacy Policy? reserves the right to change this privacy policy. To ensure you are aware of changes to our policy, we post the effective date of our policy. No data collected under this privacy policy will be used in a manner inconsistent with our stated policy, unless we provide you with the opportunity to tell us you would not like to participate in any programs we may establish. You may view the current Privacy Policy by going to

Our Commitment to You

At, we strive to provide you with the highest quality information regarding retirement income planning and guaranteed income. When we ask for personal information of any kind, or give you with the opportunity to supply such information, it is solely to improve our ability to meet your needs and respond to your requests. We will continue to do whatever we can to protect your privacy at our site.

Informing you about privacy

This privacy policy takes effect January 1, 2020. We reserve the right to change our privacy policy. You can always review the current privacy policy from the front page of the site, To request a copy of this policy, contact us at:

Retirement Power Hours
435 Lancaster St., Suite 3C
Leominster, MA 01453

Retirement Power Hours