Effective Date: September 1, 2025

KC Independent Insurance Solutions, LLC. (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [https://www.retiringoptions.com] or otherwise interact with us.

If you are a California resident, you also have specific rights under the California Consumer Privacy Act (CCPA/CPRA), which are detailed below.

By using our services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

  • Identifiers: Name, address, email address, phone number, IP address, or other identifiers you provide.
  • Commercial Information: Records of products or services considered, purchased, or obtained.
  • Internet/Device Activity: Browsing history, search history, and interactions with our website.
  • Geolocation Data: General location data based on IP address.
  • Professional/Employment Information: If you inquire about certain products or services.
  • Other Information You Provide: Any details you voluntarily share when filling out forms, contacting us, or requesting services.

We do not knowingly collect sensitive personal information (such as social security numbers or health data) unless directly necessary for services you request.

2. How We Use Your Information

We may use collected information for purposes such as:

  • Responding to your inquiries and providing requested services.
  • Offering and improving insurance products and solutions.
  • Sending communications, including service updates or marketing materials (if you have not opted out).
  • Analyzing website usage to improve user experience.
  • Complying with legal and regulatory obligations.
  • Protecting against fraud, security risks, or unauthorized access.

3. How We Share Your Information

We do not sell your personal information.

We may disclose your information to:

  • Service Providers: Third parties that perform services on our behalf (e.g., IT, analytics, marketing, customer service).
  • Legal & Regulatory Authorities: When required by law, regulation, or court order.
  • Business Transfers: If we undergo a merger, acquisition, or asset transfer, your information may be part of the transaction.

4. Your Privacy Rights Under California Law

As a California resident, you have the right to:

  1. Know what categories of personal information we collect, use, disclose, or share.
  2. Access the personal information we maintain about you.
  3. Request Deletion of your personal information, subject to legal exceptions.
  4. Correct inaccurate personal information we maintain.
  5. Opt Out of the sale or sharing of personal information (we do not currently sell personal information).
  6. Limit Use of sensitive personal information (if applicable).
  7. Non-Discrimination: We will not discriminate against you for exercising your rights.

To exercise these rights, you may contact us using the details below. We may need to verify your identity before processing your request.

5. Children’s Privacy

Our services are not directed toward children under 13. We do not knowingly collect personal information from children. If we become aware that we have inadvertently received such information, we will delete it promptly.

6. Retention of Data

We retain personal information for as long as reasonably necessary to provide services, comply with legal obligations, resolve disputes, and protect our rights.

7. Security of Information

We use reasonable administrative, technical, and physical safeguards to protect your personal information. However, no data transmission or storage system is completely secure.

8. Third-Party Links

Our website may link to other websites not operated by us. We are not responsible for the privacy practices of third-party sites and encourage you to review their policies.

9. Updates to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated “Effective Date.” Continued use of our services indicates acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy, or if you wish to exercise your California privacy rights, you may contact us at:

11. Google reCAPTCHA Terms of Use

You acknowledge and understand that the reCAPTCHA API works by collecting hardware and software information, such as device and application data, and sending these data to Google for analysis. The information collected in connection with your use of the service will be used for improving reCAPTCHA and for general security purposes. It will not be used for personalized advertising by Google. Pursuant to Section 3(d) of the Google APIs Terms of Service, you agree that if you use the APIs that it is your responsibility to provide any necessary notices or consents for the collection and sharing of this data with Google. For users in the European Union, you and your API Client(s) must comply with the EU User Consent Policy. Your use of reCAPTCHA is subject to call limits. Google may in its sole discretion enforce these limits through any of the means described at call limits or in these terms of service.

KC Independent Insurance Solutions, LLC.
3031 Tisch Way, Ste. 308
San Jose, CA 95128
Email: support@kcinsurance.com
Phone: (408) 502-7080