Your information should be handled with clarity and care.

1. Overview

Skyline Retirement is operated by Skyline Digital Consulting as a retirement education and lead-generation website. We provide educational content, digital tools, AI-assisted explanations and opportunities to connect with participating financial professionals. Skyline does not independently provide personalized investment advice or insurance recommendations through this website.

This Privacy Policy describes information handled in connection with this website and its related forms, questionnaires, educational tools, communications and AI-assisted experiences. It applies to consumers and to financial professionals or other business contacts who interact with these experiences. It does not replace the separate privacy notices governing an advisory, insurance or other professional relationship.

Tactive Advisors, LLC, a separate business and SEC-registered investment adviser, provides licensed technology supporting applicable Skyline programs. Information may be processed through Tactive and its providers when an experience uses that technology. Using a Skyline tool does not, by itself, create an investment-advisory relationship with Tactive or a participating professional. SEC registration does not imply government approval or endorsement.

Additional notices or choices may apply to a particular feature. Review the notices presented where you submit information, request contact, upload a document or use an AI-assisted experience. This policy is a description of information practices; it does not itself authorize marketing calls or texts or supply consent where separate consent is required.

2. Information We May Collect

The information involved depends on the feature you use, what you provide and the notices presented in that experience. Not every feature collects every category below.

Information you provide directly

• Name, email address, telephone number and other contact details.
• Messages, support requests, professional or business affiliation and information submitted through contact forms.
• Questionnaire responses about retirement timing, goals, concerns, preferences and circumstances.
• Financial information requested by an applicable questionnaire or tool, such as account types and balances, income sources, liabilities, assets, net worth, tax-related information or risk preferences.
• Questions, prompts and other content submitted to chat or AI-assisted features.
• Documents and information extracted from them when an applicable experience offers document submission.
• Information submitted when requesting professional contact, together with records of the choices or authorizations presented and made.

Information generated through your use

• Educational response summaries, calculations, classifications, AI responses and other outputs associated with your inputs.
• Topics, resources and interactions associated with your activity.
• Saved results, preferences or profile information where those features are available.
• Records of communications, requests, selections and use of questionnaires or tools.

Technical and usage information

• Browser, operating system and device information.
• Internet Protocol addresses and similar identifiers.
• Pages viewed, links selected and interactions with the website.
• Referral sources, session information and usage activity.
• Information collected through cookies, pixels, analytics and similar technologies used in the applicable experience.

3. How We May Use Information

Depending on the experience, information may be used to:

• Provide educational content, questionnaires, calculations and summaries you request.
• Adapt educational explanations and resources to the information you submit, without treating the resulting output as a determination that a strategy or product is appropriate for you.
• Save preferences or results and support continuity where those features are available.
• Respond to questions, professional or business inquiries and support requests.
• Support lead generation and professional contact as described in the relevant form or experience.
• Deliver requested communications, operational messages and marketing communications where permitted by law and consistent with applicable choices and consent.
• Operate and maintain websites, customer relationship management systems and supporting technology.
• Understand usage, evaluate performance and troubleshoot errors or unexpected outputs.
• Detect misuse, fraud, security incidents and technical problems.
• Meet applicable legal, regulatory, recordkeeping and compliance obligations, resolve disputes and enforce agreements.

Evaluation, troubleshooting and service improvement may involve submitted information and generated outputs, including real records associated with an experience. These uses are distinct from training an AI model. This policy does not promise that every record used for evaluation is anonymized or that every external provider applies the same model-training or retention settings.

4. How Information May Be Shared

Information may be disclosed to the following categories of recipients, depending on the feature and applicable notices:

• Website and operational providers: hosting, customer relationship management, communications, support, analytics, security and other technology providers supporting the service.
• Tactive and its technology providers: when an experience uses licensed Tactive technology, including external AI and related processing providers.
• Participating financial professionals and their organizations: in connection with a professional-contact or lead-generation experience, as described in Section 5 and the relevant notice.
• Analytics and advertising providers: technical or usage information where the applicable website configuration uses these technologies, subject to applicable law and choices.
• Legal, regulatory and transaction recipients: as described below.

We may disclose information to comply with applicable law, valid legal process or lawful regulatory requests; detect or address fraud and security threats; protect users and others; or establish, exercise or defend legal rights. Information may also be disclosed in connection with a merger, acquisition, financing, restructuring or transfer of business assets, subject to applicable legal requirements.

Not every recipient acts solely as a service provider on Skyline's behalf. A participating professional may handle information for its own professional services, recordkeeping and compliance responsibilities. Recipient categories and processing arrangements can differ by experience.

5. Advisor Connections and Professional Guidance

Skyline Retirement includes lead-generation and professional-contact experiences. Depending on the form or feature, information relevant to a connection may include your contact details, questionnaire responses, stated interests, educational summaries and records of the applicable request or authorization.

Review the notice and choices presented in the particular experience before submitting information. Those notices describe the professional-contact purpose and any relevant sharing or communication authorization. This policy does not create a separate authorization to share information or contact you where additional notice or consent is required.

A participating professional or organization that receives information may use it to respond to the relevant inquiry and, where applicable, evaluate or provide its own services. Its separate privacy notice and professional arrangements may apply to that relationship. Skyline remains responsible for its own information practices.

Completing a questionnaire, using an educational tool or receiving an AI response does not, by itself, establish an advisory, fiduciary, insurance, tax, legal or other professional relationship. Participating professionals are responsible for their advice, recommendations, licensing, client relationships and applicable professional and supervisory obligations.

6. AI and Automated Technologies

Applicable experiences may use AI or automated systems to organize information, explain concepts, generate educational summaries and responses, perform calculations or identify potentially relevant resources. Inputs and outputs may be associated with your contact or questionnaire records.

Processing may involve Skyline, licensed Tactive technology and external providers, including but not limited to AI and related technology providers such as Anthropic, OpenAI and Voyage AI, depending on the feature and configuration. Information transmitted for processing may include identifiable information, prompts, questionnaire responses, document content or other information relevant to the requested function. Not all information remains exclusively within Tactive's infrastructure.

Provider processing and retention depend on the applicable services, settings and arrangements. We do not make a blanket promise that all inputs are anonymized, that identifiable information is never transmitted to external processors, that every provider excludes all information from model training, or that all processing uses zero-data-retention arrangements.

AI outputs may be inaccurate, incomplete, outdated or unsuitable for your circumstances. They do not replace individualized investment, insurance, tax, legal or accounting advice, and consumer-facing outputs are not automatically reviewed or approved by a financial professional.

Restricted professional-only AI decision-support materials used in applicable programs are separate from this website's consumer educational experiences. A professional review acknowledgment does not make restricted raw outputs client presentation materials or establish Tactive's endorsement.

For additional information, see our Responsible AI page. Avoid including highly sensitive information in general forms or public-facing chat.

7. Cookies, Analytics and Similar Technologies

The website and its supporting services may use cookies, pixels, tags, local storage and similar technologies to operate features, remember preferences, understand usage, measure performance and evaluate outreach. Depending on the configuration, external providers may receive identifiers, device information, pages viewed and interaction or referral information.

Your browser or device may allow you to block, limit or delete certain cookies or storage. These controls vary and may affect website functionality. Browser cookie controls do not necessarily stop every tracking method or replace a legally required privacy choice.

Advertising and privacy choices

Some disclosures to advertising or measurement providers may constitute a sale, sharing for cross-context behavioral advertising or targeted advertising under applicable privacy laws, depending on the facts and legal definitions. The legal meaning of these terms can extend beyond a transfer of information for money.

Privacy rights depend on the law that applies to you and the relevant processing. To inquire about these practices or submit an applicable privacy request, contact us using Section 15. Review any additional choices presented in the relevant experience. This policy does not mean that all tracking is disabled by default or that every browser privacy signal controls every feature.

8. Email, Text Messages and Other Communications

Contact information may be used to respond to your inquiry, deliver information you request, provide operational communications or support professional contact described in the relevant experience. Marketing communications are subject to applicable law and the choices and consent associated with that communication.

Browsing this website, using an educational tool or reading this Privacy Policy does not, by itself, authorize marketing calls or text messages. Review the communication disclosures and choices at the point where you provide contact information. A privacy notice does not replace any separate consent required for the communication.

Use the unsubscribe instructions in promotional emails to request removal from that email marketing. For text messages, follow the opt-out instructions in the applicable messaging program. You may also contact us using Section 15 about communication preferences. An opt-out from marketing does not necessarily prevent requested responses or legally permitted service, security or administrative messages.

Where a participating professional communicates through its own systems, its communication practices and opt-out process may also apply. Contact that professional directly about its messages.

9. Security

Protecting personal information involves administrative, technical and organizational safeguards and compliance with applicable legal obligations. The safeguards relevant to information can differ by system, provider, feature and type of information. No website, storage system or transmission method can guarantee absolute security.

This policy does not represent that Skyline, Tactive or every provider has SOC 2 or ISO certification, uses universal masking, or maintains zero-data-retention arrangements. Descriptions of an individual feature do not establish that the same protection applies to every website interaction or external processor.

If an incident involving personal information occurs, we will provide notifications as required by applicable law. Do not send passwords, authentication codes or account login credentials, and use designated submission processes rather than ordinary email or public-facing chat for requested sensitive documents.

10. Data Retention

Skyline's retention policy for prospect information uses a five-year inactivity period, subject to applicable legal, regulatory and recordkeeping obligations and other legitimate retention needs, such as resolving disputes, enforcing agreements and addressing security matters. This is an inactivity-based policy for prospect information; it is not a universal five-year limit for every record.

Retention depends on the record category, relevant activity and system. A last website visit is not necessarily the event that determines inactivity. Records required for a professional relationship or regulatory purpose may be retained under different requirements.

Deletion or disposal does not necessarily occur at the same time across active systems, backups, logs, stored versions and provider-held copies. Information in backups may remain until the applicable backup lifecycle completes. Participating professionals may retain records under their own policies and legal obligations.

Where applicable law gives you a deletion right, you may submit a request as described below. The prospect retention policy does not replace that right or require you to wait five years before making a request. Applicable exceptions may limit what can be deleted.

11. Your Choices and Privacy Rights

Depending on your residence, the applicable law and the processing involved, you may have rights to:

• Confirm whether personal information is processed and obtain information about its collection, use and disclosure.
• Access or obtain a portable copy of certain personal information.
• Correct inaccurate personal information.
• Request deletion of certain personal information.
• Opt out of applicable sales, sharing for cross-context behavioral advertising or targeted advertising.
• Limit certain uses or disclosures of sensitive personal information, or exercise rights concerning certain automated processing, where applicable law provides those rights.
• Appeal a denied request where applicable law provides an appeal right.

These rights are subject to applicable exceptions. Information may need to be retained for legal, regulatory, security or recordkeeping purposes. This list does not mean every right applies to every individual, record or feature.

Contact us using Section 15 to submit a request or ask about an applicable appeal. Provide enough information to identify the relevant experience and explain your request. Do not send passwords, full Social Security numbers or sensitive identity documents by ordinary email. Identity or authority verification may be required for certain requests; verification requirements differ by request type.

Authorized agents

Where applicable law permits an authorized agent to act for you, we may request evidence of the agent's authority and any verification permitted by that law.

Non-discrimination

We will not unlawfully discriminate against you for exercising privacy rights available under applicable law.

12. Children's Privacy

Skyline Retirement is intended for adults interested in retirement education and related topics. Its services are not directed to children.

If we learn that a child's personal information has been collected in violation of applicable law, we will take the steps required by that law, including deletion where required. A parent or legal guardian who believes a child has submitted information may contact us using Section 15.

13. Third-Party Websites and Services

The website links to external websites, professionals, resources and services. Skyline does not control an independent third party's website or its information practices merely because we provide a link.

When you interact directly with an independent organization or enter a professional relationship, review its privacy notice, terms and disclosures. This distinction does not remove Skyline's responsibilities for disclosures it makes or for providers processing information on its behalf.

14. Changes to This Privacy Policy

We may update this policy as our services, information practices or applicable requirements change. The “Last Updated” date identifies the latest revision.

We will provide additional notice of changes, and obtain any additional consent, where required by applicable law. Continued website use does not, by itself, supply consent for a new use or disclosure where separate consent is required. A policy update does not eliminate rights or obligations concerning information already collected.

15. Contact Skyline About Privacy

If you have a question about this Privacy Policy or would like to submit a privacy-related inquiry or request, contact Skyline Digital Consulting, operator of Skyline Retirement, using the information below.