Privacy Policy

New Smyrna Beach Retirement Solutions ("NSBRS," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, and safeguard the personal information you provide when you visit our website at go.nsbretirement.com, submit a form, or communicate with us.

By using our website or submitting your information, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our website or submit your information.

1. Who We Are

New Smyrna Beach Retirement Solutions is an independent financial advisory firm serving retirees and pre-retirees across New Smyrna Beach, Edgewater, Port Orange, Daytona Beach, and Volusia County, Florida.

• Business Name: New Smyrna Beach Retirement Solutions
• Legal Entity: Rich Financial Team LLC
• Address: 112 North Orange Street, New Smyrna Beach, FL 32168
• Phone: (386) 402-4626
• Email: [email protected]
• Website: go.nsbretirement.com

Insurance products and services are offered through NSBRS. Investment advisory services are offered through Signal Advisors Wealth, LLC ("Signal Wealth"), a Registered Investment Adviser with the U.S. Securities and Exchange Commission. NSBRS and Signal Wealth are separate companies.

2. Information We Collect

We collect information you voluntarily provide to us, including when you submit a contact or opt-in form on our website or landing pages. This may include:

• First and last name
• Email address
• Phone number
• Your consent to receive SMS/text communications
• Any additional information you choose to share with us

We may also automatically collect certain technical information when you visit our website, including IP address, browser type, device type, pages visited, and referring URL. This information is collected through standard web analytics tools and cookies.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiry or consultation request
• To schedule and confirm appointments
• To send appointment reminders and follow-up communications
• To send SMS/text messages if you have provided express written consent
• To send educational information about retirement planning topics
• To promote our workshops, events, and services
• To improve our website and communications
• To comply with applicable legal and regulatory obligations

We do not use your information to provide personalized investment advice through automated channels. All financial guidance is provided in person by Steven Rich.

4. SMS and Text Message Communications

We only send SMS messages to individuals who have provided prior express written consent. We honor all opt-out requests immediately. Automated messages are sent between 8:00 AM and 8:00 PM Eastern Time only.

We do not sell, share, or transfer your phone number or SMS consent to third parties for their own marketing purposes.

5. How We Share Your Information

We do not sell your personal information. We may share your information only in the following limited circumstances:

• Service providers: We use third-party platforms to manage our CRM, email, and SMS communications (including GoHighLevel / LeadConnector). These providers are contractually prohibited from using your information for their own purposes.
• Signal Advisors Wealth, LLC: As the registered investment adviser through which investment advisory services are offered, Signal Wealth may receive certain client information as required to fulfill advisory services.
• Legal compliance: We may disclose information if required by law, regulation, court order, or government authority.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

6. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze website traffic. You may configure your browser to refuse cookies; however, some features of the website may not function properly if you do so.

We may use third-party analytics services such as Google Analytics to understand how visitors use our site. These services may collect information about your visits to our website and other websites.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with applicable legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

9. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your personal information
• The right to opt out of SMS/text message communications at any time by replying STOP
• The right to opt out of email communications by clicking the unsubscribe link

To exercise any of these rights, please contact us at [email protected] or call (386) 402-4626.

10. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.

11. Third-Party Links

Our website may contain links to third-party websites, including the American Financial Education Alliance (AFEA), Signal Advisors Wealth, RightCapital, and others. We are not responsible for the privacy practices of those websites and encourage you to review their respective privacy policies.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy or how we handle your personal information, please contact us:

• New Smyrna Beach Retirement Solutions
• 112 North Orange Street, New Smyrna Beach, FL 32168
• Phone: (386) 402-4626
• Email: [email protected]