Kershaw Retirement Solutions Privacy Policy

Effective Date: September 3, 2026

Kershaw Retirement Solutions (“Kershaw Retirement Solutions,” “KRS,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the information you provide to us.

This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, submit information through our online forms, request information or resources, or otherwise interact with us online.

By using our website, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you interact with Kershaw Retirement Solutions, we may collect information such as:

• Name
• Email address
• Telephone number
• Mailing address, when provided
• Information you submit through contact forms or other online forms
• Information you provide when requesting a guide, resource, consultation, seminar registration, or other information
• Information you provide when communicating with us by email or telephone
• Website usage information, including pages visited, browser type, device information, IP address, and other information collected through cookies and similar technologies

Please do not submit sensitive financial, medical, Social Security, account, or other confidential information through general website forms unless specifically requested through an appropriate secure process.

2. How We Collect Information

We may collect information:

• Directly from you when you submit a form or contact us
• When you request or download one of our guides or other resources
• When you register for an event or seminar
• When you schedule or request an appointment
• Automatically through cookies and similar technologies when you use our website
• Through service providers and technology platforms that support our website, customer relationship management, analytics, communications, and marketing activities

3. How We Use Your Information

We may use information we collect to:

• Respond to your questions and requests
• Provide information, guides, and resources you request
• Schedule and manage appointments
• Communicate with you about products and services you have requested or expressed interest in
• Provide retirement planning, Social Security, Medicare, insurance, and other services
• Communicate with you about seminars, educational events, and other opportunities
• Improve our website, services, and user experience
• Understand how visitors use our website
• Measure and improve the effectiveness of our marketing and advertising
• Maintain website security and prevent fraudulent or unauthorized activity
• Comply with applicable laws, regulations, and legal obligations

4. Cookies and Similar Technologies

Our website uses cookies and similar technologies to help the website function properly, remember your preferences, understand how visitors use our website, and support our marketing and advertising activities.

Some cookies are necessary for the website to operate and cannot be disabled. Other cookies, such as analytics, functionality, and advertising cookies, may be subject to your preferences.

Our website may use technology provided by third parties, including HubSpot and analytics or advertising platforms, to help us understand website activity and measure marketing performance.

You can manage your cookie preferences through the Cookie Settings option available on our website.

HubSpot's consent tools can prevent certain non-essential HubSpot cookies and supported integrated analytics/marketing cookies from loading until a visitor provides consent.

5. Information Sharing and Third-Party Service Providers

We may share personal information with trusted service providers that help us operate our business and website. These providers may assist with services such as:

• Website hosting and technology
• Customer relationship management
• Email and communications
• Appointment scheduling
• Website analytics
• Advertising and marketing
• Event registration
• Data storage and security

These service providers are permitted to use information only as necessary to provide services to us or as otherwise permitted by applicable law.

We may also disclose information when reasonably necessary to comply with applicable law, regulation, legal process, or governmental request; protect our rights or property; investigate potential fraud or security issues; or protect the safety of our users or others.

6. Marketing Communications

If you provide your contact information and consent to receive marketing communications from us, we may contact you by email, telephone, text message, or other permitted communication methods regarding products, services, educational resources, seminars, or other information that may be of interest to you.

You may unsubscribe from marketing emails at any time by using the unsubscribe link included in the email.

Please note that opting out of marketing communications does not necessarily prevent us from contacting you regarding a request you have made, an appointment, a transaction, or other non-marketing communication.

7. Your Privacy Choices

Depending on applicable law, you may have choices regarding how your personal information is used.

You may:

• Manage your cookie preferences through our website
• Unsubscribe from marketing emails
• Contact us with questions about the personal information we maintain about you
• Request correction of inaccurate information
• Request deletion of information, where applicable and subject to legal or regulatory requirements

Some information may need to be retained to comply with legal, regulatory, contractual, or other legitimate business requirements.

8. Third-Party Websites

Our website may contain links to websites or services operated by third parties. These websites have their own privacy policies and practices.

Kershaw Retirement Solutions is not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review the privacy policy of any third-party website you visit.

9. Data Security

We take reasonable administrative, technical, and organizational measures designed to protect personal information from unauthorized access, use, alteration, or disclosure.

However, no method of transmitting or storing information electronically can be guaranteed to be completely secure. We cannot guarantee the absolute security of information transmitted to or through our website.

10. Children's Privacy

Our website and services are intended for a general adult audience. We do not knowingly collect personal information from children under the age of 13 through our website.

If you believe a child has provided personal information to us, please contact us so that we can take appropriate action.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, technology, applicable laws, or services.

When we make changes, we will update the Effective Date at the top of this Privacy Policy. We encourage you to review this page periodically for the most current information.

12. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Kershaw Retirement Solutions
15400 S Outer Forty Road, Suite 100
Chesterfield, MO

Phone: 636-778-0221
Email: retire@kershawretirement.com