PRIVACY POLICY

Last updated: February 2026

This Privacy Policy outlines how Smart Annuity Planning (a trade name of Link Path LLC) collects, uses, discloses, and safeguards your information when you visit our website or client-specific subdomains and interact with our lead generation services.

ABOUT OUR SERVICE

Smart Annuity Planning is a marketing brand operated by Link Path LLC, a lead generation company. We are not a government agency, insurance company, or registered investment advisory firm.

We connect consumers with independent licensed insurance professionals who may offer annuity and retirement planning products.

When you submit information on this website, you are requesting to be connected with an independent licensed insurance professional, as well as receiving informational resources from us. The professionals who contact you are independent third parties, not employees, agents, or representatives of Smart Annuity Planning or Link Path LLC.

EDUCATIONAL CONTENT DISCLAIMER

Any educational content, resources, guides, videos, or materials provided on this website are for informational purposes only. This content is not professional advice of any kind; should not be used as a substitute for consultation with qualified professionals; may not be accurate, complete, or current; and is provided without warranty of any kind. We make no guarantees about the accuracy, reliability, or completeness of any information provided. You should consult with qualified professionals before making any decisions based on information from this website. We are not liable for any decisions made or actions taken based on the educational content provided.

SECTION 1 - INFORMATION WE COLLECT

Personal Information You Provide: We collect personal information that you voluntarily provide to us, including but not limited to: name, email address, phone number, postal address, age and other demographic information, service-related preferences and requirements, and other contact or identifying information relevant to your inquiry.

Automatically Collected Information: We may also automatically collect certain technical information such as IP address, browser type, operating system, referring URLs, and website usage data.

Cookies & Tracking Practices: We use cookies and similar tracking technologies to improve your experience on our website. These include:

Essential Cookies: Required for basic website functionality such as page navigation and form submission.

Analytics Cookies: Help us understand how visitors interact with our website, including pages visited, time spent, and traffic sources. We use this data to improve our website and services.

Third-Party Cookies: Our technology platforms and tools may place cookies to enable their services, such as scheduling software and communication tools.

Managing Cookies: Most web browsers allow you to control cookies through their settings. You can typically choose to block or delete cookies, though this may affect website functionality. Consult your browser's help documentation for instructions.

We do not sell data collected through cookies to third parties.

SECTION 2 - HOW WE USE YOUR INFORMATION

Lead Generation Services: When you submit your information on our website, we use it to: connect you with the specific service provider associated with your inquiry; deliver requested content and resources; facilitate communication between you and the service provider; and process and qualify your inquiry for appropriate service connection.

General Business Operations: We also use your information to: improve our website, services, and customer experience; comply with applicable legal obligations; and maintain records for business and regulatory purposes.

SECTION 3 - HOW WE SHARE YOUR INFORMATION

With Service Providers: When you submit information on our platform, your personal information is shared with the associated independent service provider (Licensed Retirement Professional) and transferred to their dedicated customer relationship management (CRM) system. This enables them to contact you and provide the services you have requested information about.

Operational Service Providers: We may share your information with technical service providers who assist us in operating our platform, including customer relationship management (CRM) system providers, email and SMS communication platforms, website hosting and technical service providers, and analytics services.

Legal Requirements: We may disclose your information when required by law, court order, or government request, or to protect our rights and interests.

Mobile Information Sharing: Mobile information will not be shared with third parties or affiliates for marketing/promotional purposes, except for the specific Connected Professional(s) required to fulfill your request for services.

SECTION 4 - COMMUNICATION CONSENT AND A2P COMPLIANCE

Express Written Consent: By submitting your information on our website, you provide express written consent to receive communications from both Smart Annuity Planning and the associated service provider via SMS text messages, email communications, and phone calls.

SMS Communications: You consent to receive SMS messages from us related to your inquiry, from the service provider associated with your request, and from automated systems operated on behalf of the service provider.

Communication Sources: Communications may come from various sources including automated messages from our CRM system, pre-formatted messages created by us, custom content created by the service provider, and direct communication from the service provider's personal phone number.

Message and Data Rates: Standard message and data rates may apply for SMS communications. Message frequency varies based on appointments. Expect 3-5 messages per month.

Opt-Out Instructions: You can opt out of SMS communications at any time by replying "STOP" to any SMS message. Reply "HELP" for assistance. You may also contact us directly using the information provided below, or follow unsubscribe instructions in email communications. Upon opting out, you will receive a confirmation message and no longer receive SMS communications from that source.

SECTION 5 - TCPA COMPLIANCE NOTICE

By providing your phone number and submitting your information, you understand and agree that: You may be contacted by the service provider via automated telephone dialing systems and/or pre-recorded messages; Your consent is not required as a condition of purchasing any goods or services; and You may revoke your consent at any time using the opt-out methods described above.

SECTION 6 - DATA SECURITY

We implement appropriate administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet or electronic storage is 100% secure.

SECTION 7 - DATA RETENTION

We retain your personal information for as long as necessary to provide the requested lead generation services, maintain business records as required by applicable regulations, and comply with legal obligations. Service providers may retain your information according to their own retention policies and regulatory requirements.

SECTION 8 - YOUR PRIVACY RIGHTS

Depending on your location, you may have the right to: Access the personal information we hold about you; Request corrections to inaccurate information; Request deletion of your personal information (subject to legal and business requirements); Withdraw consent for future communications; and Receive a copy of your personal information in a portable format. To exercise these rights, please contact us using the information provided below.

SECTION 9 - CALIFORNIA PRIVACY RIGHTS

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and how it's used, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information in the traditional sense, but we do share information with financial service providers as part of our lead generation services, which may be considered a "sale" under CCPA definitions regarding the transfer of data for value.

SECTION 10 - CHILDREN'S PRIVACY

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will delete that information promptly.

SECTION 11 - CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on our website with a new "Last updated" date. Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

SECTION 12 - CONTACT INFORMATION

For questions about this Privacy Policy, to exercise your privacy rights, or to opt out of communications, please contact us:

Email: [email protected]

Phone: 1 (844) 543-5987

Mailing Address: 2108 N ST STE N Sacramento, CA 95816

For SMS-related questions or issues, reply "HELP" to any text message or contact us directly.