Your information should be handled with clarity and care.

1. Overview

Skyline Retirement provides retirement education, digital tools, technology-assisted explanations, retirement analyses and pathways that may help consumers connect with financial professionals.

When you use a Skyline website, form, questionnaire, tool, analysis, AI-assisted experience or other service, we may collect information that you provide directly, information generated through your use of the experience and certain technical or usage information.

This Privacy Policy describes our general practices. A particular Skyline experience may provide additional notices, disclosures, authorizations or consent language that applies specifically to that feature.

2. Information We May Collect

The information we collect depends on which Skyline experiences you choose to use.

Information you provide directly

• Name, email address, telephone number and other contact information.
• Information submitted through contact forms or support requests.
• Answers provided through retirement questionnaires, checkups or analyses.
• Retirement timing, objectives, concerns and planning preferences.
• General financial information voluntarily provided for educational or analytical purposes.
• Information about retirement accounts, income sources or financial priorities when requested by a particular tool.
• Questions, messages or prompts submitted through Skyline AI or other interactive experiences.
• Information provided when requesting contact with or assistance from a financial professional.

Information generated through your use of Skyline

• Educational results, scores, classifications or summaries generated by Skyline tools.
• Retirement topics, analyses or resources associated with your activity.
• Saved results, preferences or profile information when those features are enabled.
• Information used to help personalize future Skyline experiences or reduce unnecessary repetition.
• Records showing how a tool, questionnaire or educational experience was used.

Technical and usage information

• Browser type, operating system and device information.
• Internet Protocol address or similar technical identifiers.
• Pages viewed, links selected and interactions with Skyline websites.
• Referral source, session information and general usage activity.
• Cookie, analytics or similar technology information where applicable.

3. How We May Use Information

Skyline may use information for purposes reasonably related to operating, improving, personalizing and protecting our services. Depending on the experience, this may include:

• Providing educational content, digital tools or analyses you request.
• Personalizing results using information you choose to provide.
• Connecting related retirement topics and resources.
• Helping you continue an experience without unnecessarily repeating information.
• Saving results or profile information when those features are available.
• Responding to questions, inquiries or support requests.
• Operating, maintaining and improving Skyline websites and technology.
• Understanding how consumers use Skyline experiences.
• Testing, monitoring and improving usability, reliability and performance.
• Detecting misuse, fraud, security incidents or technical problems.
• Supporting an advisor connection when you request one.
• Providing communications you request or have agreed to receive.
• Meeting legal, regulatory, recordkeeping or compliance obligations where applicable.

4. How Information May Be Shared

Skyline may use third-party companies and service providers to help operate websites, communications, analytics, hosting, customer relationship management, digital tools, security and other parts of the Skyline experience.

Information may therefore be disclosed to service providers or business partners when reasonably necessary for them to perform services on Skyline's behalf or support an experience you request.

We may also disclose information when we reasonably believe disclosure is necessary to:

• Comply with applicable law, regulation, court order or valid legal process.
• Respond to lawful requests from governmental or regulatory authorities.
• Protect Skyline, our users or others from fraud, misuse, security threats or unlawful activity.
• Establish, exercise or defend legal rights.
• Support a merger, financing, acquisition, restructuring, sale of assets or similar business transaction.

The categories of service providers used by Skyline may change as the platform evolves.

5. Advisor Connections and Professional Guidance

Skyline includes experiences that may help consumers connect with a financial professional when individualized guidance or professional judgment may be useful.

When you affirmatively request an advisor connection, information relevant to that request may be provided to a participating professional or organization so that the requested contact or service can occur.

The information shared may depend on the particular experience and the choices, consent or authorization presented to you at that time.

Completing a Skyline questionnaire, using an educational tool or browsing Skyline content does not, by itself, create an investment advisory, fiduciary, tax, legal or other professional relationship.

6. AI and Automated Technologies

Skyline may use artificial intelligence, automated systems or other computational tools to help explain retirement concepts, organize information, personalize educational experiences, generate summaries, route questions or identify potentially relevant resources.

Information you submit to an AI-assisted experience may be processed using Skyline technology and third-party technology providers that support the applicable feature.

Skyline does not present its AI tools as a substitute for individualized investment, legal or tax advice. Automated outputs can be incomplete, inaccurate or inappropriate for a particular person's circumstances and should be evaluated accordingly.

For more information about Skyline's approach to artificial intelligence, see our Responsible AI page.

7. Cookies, Analytics and Similar Technologies

Skyline websites may use cookies, pixels, tags, local storage, analytics tools and similar technologies to operate the website, remember preferences, understand usage, measure performance and improve the user experience.

Some of these technologies may be provided by third-party service providers. Depending on Skyline's technology configuration, certain providers may receive technical or usage information when you visit or interact with the website.

Your browser or device may provide controls that allow you to block, limit or delete certain cookies. Disabling cookies may affect the functionality of some Skyline experiences.

Advertising and measurement technologies

Skyline may use technologies that help measure the effectiveness of communications or outreach. Depending on the technology used and the privacy law that applies to you, certain activities may be subject to additional disclosure or opt-out requirements.

Where applicable law requires Skyline to provide additional choices concerning targeted advertising, cross-context behavioral advertising, sale or sharing of personal information, we intend to provide those choices through the appropriate website or request mechanism.

8. Email, Text Messages and Other Communications

If you provide contact information, Skyline may use it to respond to a request, deliver information or services you asked for, provide operational communications or send marketing communications when permitted by law and consistent with the choices you make.

You may generally unsubscribe from promotional email communications by using the unsubscribe mechanism included in the message.

Transactional, administrative, security or service-related messages may still be sent when reasonably necessary to provide an experience you requested or maintain your relationship with Skyline.

9. Information Security

Skyline aims to use reasonable administrative, technical and organizational measures designed to protect information from unauthorized access, loss, misuse, alteration or disclosure.

No website, communication method, storage system or transmission technology can be guaranteed to be completely secure. Consumers should use appropriate care when deciding what information to submit electronically.

If we become aware of an incident involving personal information, we may investigate and provide notifications where required by applicable law.

10. Data Retention

Skyline may retain personal information for as long as reasonably necessary for the purposes for which it was collected, including to provide services, maintain records, comply with legal or regulatory obligations, resolve disputes, enforce agreements and protect the platform.

Retention periods may differ depending on the type of information, the Skyline experience involved, the systems in which the information is stored and any legal, regulatory or operational requirements that apply.

When information is no longer reasonably necessary, Skyline may delete, anonymize or otherwise dispose of it consistent with applicable requirements and operational practices.

11. Your Choices and Privacy Rights

Depending on where you live and the law that applies, you may have certain rights regarding personal information.

These rights may include the ability to request:

• Confirmation of whether Skyline processes certain personal information.
• Access to certain personal information maintained about you.
• Correction of inaccurate personal information.
• Deletion of certain personal information.
• A portable copy of certain information where required by law.
• Information about certain categories of collection, use or disclosure.
• Opt-out rights relating to certain advertising, sale or sharing activities when applicable.

Privacy rights are not absolute. A request may be limited or denied where permitted or required by law, including when information must be retained for regulatory, legal, security or recordkeeping purposes.

Skyline may need to verify your identity or authority before processing certain privacy requests.

Authorized agents

Where applicable law permits an authorized agent to make a request on your behalf, Skyline may request information necessary to verify the agent's authority and your identity.

Non-discrimination

Skyline does not intend to unlawfully discriminate against an individual for exercising privacy rights available under applicable law.

12. Children's Privacy

Skyline Retirement is designed for adults interested in retirement, financial planning and related educational topics. Our services are not directed to children.

If Skyline learns that personal information from a child has been collected in a manner inconsistent with applicable law, we may take reasonable steps to delete or otherwise address that information.

A parent or legal guardian who believes a child has provided personal information to Skyline may contact us using the information below.

13. Third-Party Websites and Services

Skyline websites may contain links to third-party websites, financial professionals, service providers, educational resources or other external experiences.

A link from Skyline does not mean that Skyline controls the third party or its privacy, security or information practices.

When you interact directly with another website, platform or organization, that party's privacy policy, terms and disclosures may apply.

14. Changes to This Privacy Policy

Skyline may update this Privacy Policy as our platform, technology, services, business practices or legal requirements change.

When the policy is updated, the “Last Updated” date shown on this page may be revised. Material changes may also be communicated through additional notice when appropriate or required.

Your continued use of Skyline after a revised policy becomes effective is subject to the policy then in effect, except where applicable law requires a different form of notice or consent.

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 Retirement using the information below.