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Privacy Policy

We value your privacy, and we want to help make your experience with Richard W. Paul & Associates as satisfying and safe as possible. We have established this Privacy Policy to explain how we receive, use, and share information you may provide in connection with your access to this website bigthreeretiree.com.

Your Acknowledgement

The Site is intended for use only by individuals over the age of 18 who are accessing the Site from inside the United States. By using the Site or submitting any information to us, you acknowledge that you are over the age of 18, are in the United States, and that you consent to our use and sharing of information collected or submitted as described in this Privacy Policy. This Privacy Policy is incorporated into and is subject to the Site's Terms of Use. By using the Site, you expressly consent to the terms of this Privacy Policy and the information handling practices described herein.

Types of Information We Collect

In connection with your use of this Site, we may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII"). PII includes information such as your name, address, phone number, zip code, email address, and similar information. Non-PII is non-personally identifiable information, and may include, for example, your IP address, browser type, domain names, access dates and similar information.

Collection of Information

We may collect information from you through your voluntary submission to receive offers from the Site or access to certain resources on the Site.

We also may collect information from your browser when you use the Site, using a variety of methods. The information that we collect with these automated methods may include, for example, your IP address, cookie information, a unique device or user ID, browser type, system type, the content and pages that you access on the Site, and the "referring URL" (i.e., the page from which you navigated to the Site).

We may also use cookies on the Site to recognize you and to store references to you and session validators on your hard drive. We may use passively-collected information to administer, operate, and improve the Site and our other services and systems, and to provide services and content that are tailored to you. We may combine non-PII with PII. Users can opt-out of the collection and use of information for ad targeting.

Analytics and Tracking

We use analytics technologies to understand how visitors interact with our Site. This includes:

  • Page Analytics: We track which pages you visit, how long you spend on each page, and how far you scroll through content.
  • Session Tracking: We use anonymous session identifiers to understand user journeys through the Site.
  • Video and Audio Engagement: We track play events, watch/listen time, and completion rates for educational videos and audiobook content.
  • Form Analytics: We track form submissions (but not the content of your personal messages) to improve our services.
  • Third-Party Analytics: We use Vercel Analytics and Speed Insights to monitor Site performance and usage patterns.

You can manage your cookie preferences using the cookie consent banner that appears when you first visit our Site. You may also disable cookies in your browser settings, though this may affect Site functionality.

Use and Sharing of Information

We may use the information you provide to us for any purpose, including but not limited to:

  • To provide you with materials that you have requested
  • To contact you for the potential purchase of insurance or other financial products
  • To personalize our contact with you
  • To operate, provide, improve, and maintain the Site
  • Developing new products and services
  • To prevent abusive and fraudulent use of the Site
  • To send you administrative messages, content, and other services and features in which we believe you may be interested
  • For any other administrative and internal business purposes permitted by law

Permission to Contact You and Your Right to Opt Out

Your provision of information to us through the Website will be considered a grant of permission for us to contact you through any means provided (including but not limited to mail, phone, text message, fax, etc.). You have the right to opt-out of further promotional contact from us. If at any time you desire to be removed from an email mailing list, please send your request to info@rwpaul.com or at 39555 Orchard Hill Place, Suite 100, Novi, MI 48375. It may take up to 10 days for us to process your request. Please be aware that this opt-out only applies to future messages and that we may still send you messages for administrative purposes as permitted by law.

Protection of Your Information

We maintain a variety of security measures to protect against the loss, misuse, and alteration of Information under our control. Although we make good faith efforts to maintain the security of such Information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure, or alteration. Further, we cannot guarantee that our security measures will prevent unauthorized persons from accessing or obtaining this information. We assume no liability to you or any other party in relation to the unauthorized access, use, or alteration of any information provided to us.

If we become aware of a security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Site or providing Information to us, you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Site. If you believe that there has been a breach of the Site's security, please contact us at (248) 305-9911.

Updates to This Privacy Policy

We may update or amend this Privacy Policy at any time. No prior notice of any update or amendment is required, and all updates or amendments are effective upon being posted. We encourage you to periodically review this Privacy Policy to stay informed about our collection, use, and disclosure of Information on the Site. Your continued use of the Site constitutes your agreement to this Privacy Policy and any updates.

Contacting Us

If you have questions about this Privacy Policy, you may contact us at (248) 305-9911 or email info@rwpaul.com.

Richard W. Paul & Associates, LLC
39555 Orchard Hill Place, Suite 100
Novi, MI 48375
(248) 305-9911