Kraus Marketing LLC

Privacy Policy

(UPDATED June 17, 2025)

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Introduction

1. Introduction

Kraus Marketing LLC, DBA Personalized Annuity ("Company," "we," "us," or "our") respects your privacy and is committed to protecting it through compliance with this Privacy Policy ("Policy").

This Policy explains how we collect, use, maintain, protect, and disclose information we collect from:

Visitors and users of our website at https://personalizedannuity.com ("Website") Individuals who provide information through our marketing channels and third-party lead sources.

Consumers who request to be connected with licensed financial advisors, Financial professionals, and advisors who utilize our marketing and appointment-setting services.

By accessing or using our Website and services, you consent to the collection, use, and disclosure of information in accordance with this Policy.

2. Business Model Disclosure Personalized Annuity is a business-to-business marketing agency that generates qualified consumer appointments for licensed financial advisors. We collect consumer information solely for the purpose of lead qualification, education, and appointment scheduling.

We do not sell financial products directly to consumers.

All financial recommendations and services are provided by licensed financial professionals who are solely responsible for compliance with applicable laws, regulations, and suitability requirements.

3. Information We Collect We may collect both personal and non-personal information from or about you, including:

Personal Information: Name, address, telephone number, email address, financial information (if voluntarily provided), demographic data, and other information that may personally identify you.

Lead Data: Information obtained from lead forms completed by you or shared with us by authorized third-party lead generation partners.

Usage Data: IP address, browser type, operating system, referring website, website usage patterns, and other automatically collected technical information. Communication Data: Call recordings, chat transcripts, SMS messages, and emails.

AI-Generated Data: Communications, responses, or messages generated or partially generated through automated or AI-powered systems during consumer interactions.

4. How We Collect Information

We collect information in the following ways:

Directly from you via online forms, live events, phone calls, text messages, emails, chats, or other direct communications. From our third-party lead generation partners who have obtained your consent to share your information.

Automatically through website tracking technologies (cookies, web beacons, session recordings, analytics, and similar technologies).

5. Communication Consent

By providing your contact information, you expressly consent to be contacted via: Telephone (including automated dialing systems and prerecorded/artificial voices) SMS text messaging (standard message and data rates may apply) Email communications AI-assisted or automated communication systems

Consent is not a condition of purchase. You may opt out of SMS communications at any time by replying "STOP" to any message or contacting us at [email protected]. We do not share SMS consent data with third parties for their independent marketing purposes.

6. Purpose of Data Use

We use your information for the following purposes:

To connect you with licensed financial professionals based on your inquiry.

To operate our lead qualification, appointment setting, and marketing services.

To respond to your inquiries and customer service requests.

To provide marketing materials and promotional offers (subject to opt-out preferences).

To comply with legal and regulatory obligations.

To improve our website, services, and customer experience.

To prevent fraud, protect security, and enforce our Terms of Service.

7. Disclosure of Information

We may disclose your information:

To licensed financial advisors for the purpose of scheduling requested appointments.

To authorized service providers who assist us in delivering services.

To legal authorities where required by law, court order, subpoena, or regulatory inquiry.

To protect our rights, property, safety, and business interests.

In connection with a corporate transaction such as a sale, merger, or reorganization.

To enforce our Terms of Service, Privacy Policy, or contractual obligations.

We do not sell or license consumer information to third-party marketers, insurance companies, or financial firms unrelated to our network.

8. Lead Sources and Third-Party Data Sharing

We may obtain leads from third-party marketing partners who have collected information from consumers with proper consent. These partners represent that individuals have agreed to be contacted for financial services offers or consultations. We rely on these partners to comply with applicable privacy laws in collecting and transferring such information.

9. No Financial Advice Disclaimer

Personalized Annuity does not provide financial, legal, tax, investment, or insurance advice. All advice, product recommendations, and financial services are provided exclusively by independently licensed financial professionals outside of our control.

We are not insurance agents, investment advisors, broker-dealers, or fiduciaries.

10. Cookies and Tracking Technologies

We use cookies, session tracking, analytics tools, and related technologies to operate the Website, analyze performance, and customize your experience. You may adjust your browser settings to disable cookies, though doing so may limit certain website features.

We do not honor “Do Not Track” signals from web browsers.

11. Security of Information

We implement commercially reasonable safeguards to protect your personal information. This includes:

Secure server environments

Firewalls and encryption

Role-based access control

SSL encryption for payment and sensitive data

While we work to secure your information, no system is completely secure. Transmission of data is done at your own risk.

12. Data Retention

We retain your information for as long as reasonably necessary to fulfill the purposes outlined in this Policy and comply with legal, contractual, and regulatory obligations.

13. Your Privacy Rights

A. California Privacy Rights (CCPA & Shine the Light)

California residents may request:

Access to personal information we maintain.

Deletion of personal information (subject to legal exceptions).

Information on categories of personal data disclosed.

To exercise these rights, contact us at [email protected].

We do not sell personal information as defined under CCPA.

B. Nevada Residents

Nevada residents may submit opt-out requests under Nevada law by contacting us at [email protected].

14. Children’s Privacy

We do not knowingly collect information from children under 13. If we discover we have inadvertently collected data from a child under 13, we will delete it immediately. Contact us at [email protected] if you believe a child has provided us with personal information.

15. Changes to this Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted to our Website with the updated effective date. Your continued use of the Website constitutes acceptance of the revised Policy.

16. Contact Information

For any questions, privacy concerns, or to exercise your rights, contact us at:

Email: [email protected]

Phone: (520) 614-6677

Mail: 711 North Banff Ave, Tucson AZ 85748