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Privacy Policy

 

1. Introduction

Welcome to PWR Retirement Group (“PWR,” “we,” “us,” or “our”).
Your privacy and trust are extremely important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you access or use the PWR Retirement Group Website (https://pwrretirementgroup.com/
) or the PWR Retirement Group Mobile App (collectively, the “Platform”).

By using our Platform, you acknowledge that you have read, understood, and agreed to this Privacy Policy and consent to the collection, processing, and use of your data as described herein.

2. Definitions

For the purposes of this Policy:

“Personal Information” means any information that identifies or could reasonably identify an individual, directly or indirectly.

“Processing” means any operation performed on personal data, such as collection, storage, use, disclosure, or deletion.

“Service Providers” means trusted third-party vendors who perform services on our behalf under contractual confidentiality and security obligations.

“Sensitive Personal Information” includes data revealing racial or ethnic origin, biometric identifiers, financial data, health information, or other data requiring enhanced protection.

3. Information We Collect

We collect information to deliver financial, educational, and consulting services effectively.

A. Personal Information

When you register, schedule a consultation, or interact with our services, we may collect:

  • Full Name
  • Email Address
  • Phone Number
  • Age and Date of Birth
  • Organization / Employer
  • Financial Annual Income (approximate range)
  • Expected Retirement Age
  • Location (city, state, or country)

Any information voluntarily provided through forms, surveys, or communications

We do not collect government-issued identification unless required by law (e.g., for retirement or compliance purposes).

B. Sensitive Personal Information

We may collect limited sensitive data, such as:

  • Financial and income information for planning purposes
  • Biometric authentication data (Face ID / Touch ID) used solely for identity verification and never stored on our servers

C. Automatically Collected Information

When you use our Website or App, we may automatically collect:

  • Device information (type, OS version, device ID)
  • IP address and browser type
  • Log data (pages visited, time spent, referring URLs)
  • App usage statistics and error logs
  • Location data (if enabled)

D. App Permissions Data

To provide a personalized experience, the App may request optional permissions:

  • Camera: To capture or upload profile photos
  • Microphone: For voice input and recognition
  • Calendar: To manage appointments or financial events
  • Location: To display your last login city/state for account security
  • Photo Library: To upload or save images/documents
  • Face ID / Touch ID: For secure biometric login
  • Notifications: For reminders, updates, and alerts

All permissions are optional and can be adjusted in your device settings at any time. Denying permissions will not restrict access to core financial education services.

4. How We Use Your Information

We process your data for the following legitimate business purposes:

  • To schedule consultations, manage financial events, and respond to inquiries
  • To maintain accounts, verify identity, and secure user access
  • To personalize your experience and deliver educational resources
  • To send notifications, updates, and security alerts
  • To analyze platform performance and improve functionality
  • To comply with applicable legal and regulatory requirements

We do not sell or share personal information for third-party advertising or marketing without consent.

5. Legal Basis for Processing (GDPR & Applicable Laws)

We process personal data under one or more of the following bases:

  • Consent: You have explicitly agreed to data processing.
  • Contract: Processing is necessary to perform our services.
  • Legal Obligation: Required by applicable laws or regulations.
  • Legitimate Interest: For platform security, analytics, and service improvement.

For residents of California, Nevada, and Virginia, we comply with CCPA/CPRA and other applicable state privacy laws, including the right to opt out of data sharing and to limit the use of sensitive personal information.

We do not engage in profiling or automated decision-making that produces legal or significant effects on users.

6. Data Sharing and Disclosure

We do not sell, rent, or trade your personal data. We may share data only under limited, lawful circumstances:

  • Service Providers: With trusted vendors assisting with secure hosting, analytics, or communication services.
  • Legal Compliance: When required by law, subpoena, or regulatory request.
  • Business Transfers: In connection with mergers, acquisitions, or corporate restructuring. Any successor entity will be bound by this Policy or an equivalent that offers equal or stronger protections.

All third-party partners are contractually obligated to maintain confidentiality and safeguard data using industry-standard protection measures.

7. Data Storage, Security, and Breach Notification

We use advanced security protocols to protect your information, including:

  • End-to-end encryption for data in transit
  • Secure servers and firewalls
  • Multi-layered access control and authentication
  • Encrypted backups and secure data centers in the United States and Puerto Rico
  • We perform regular penetration testing and security audits to detect vulnerabilities.

In the event of a data breach, we will notify affected individuals in accordance with applicable data breach laws, including Puerto Rico Law 111-2021 and GDPR Articles 33–34.

While we take every reasonable precaution, no digital system is entirely secure, and absolute protection cannot be guaranteed.

8. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes described in this Policy or as required by law.
Financial and account data are generally retained for a minimum of seven (7) years to comply with financial record-keeping regulations, unless a longer period is legally mandated.

When data is no longer needed, it is securely deleted or anonymized.

9. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights:

  • Access: Request a copy of your personal data.
  • Correction: Request corrections to inaccurate or incomplete data.
  • Deletion (“Right to be Forgotten”): Ask us to delete your information.
  • Restriction: Limit how we process your data.
  • Data Portability: Request a transferable copy of your data.
  • Withdraw Consent: Revoke consent at any time.
  • Object: Object to certain types of data processing (GDPR Art. 21).
  • Non-Discrimination: Exercise your rights without being denied service (CCPA §1798.125).

To exercise these rights, please contact us at info@pwrretirementgroup.us
.
Requests must include sufficient identity verification. We will respond within 30 days, extendable once for complex cases.

If applicable, our Data Protection Officer (DPO) may be contacted at the same address.

10. Cookies and Tracking Technologies

Our Website uses cookies and similar technologies to:

  • Improve navigation and user experience
  • Analyze traffic and performance
  • Remember preferences and settings

We may use third-party analytics tools such as Google Analytics. These tools collect aggregated, non-identifiable data about usage patterns. You can opt out via the Google Analytics Opt-Out Browser Add-On
.

For GDPR compliance, non-essential cookies are only placed with user consent.
You may disable cookies in your browser settings, though some functionality may be limited.

11. Third-Party Links

Our Platform may contain links to external websites for convenience.
PWR Retirement Group is not responsible for the privacy practices, content, or security of these third-party sites.

We encourage you to review their respective privacy policies before providing personal information.

12. Children’s Privacy

Our services are not intended for individuals under 18 years of age.
We do not knowingly collect personal information from minors.
If you believe a child has provided data, please contact us immediately so we can delete it in compliance with applicable law.

13. International Users and Data Transfers

If you access our Platform from outside the United States, your data may be transferred to and processed in the U.S. or Puerto Rico, where privacy laws may differ.

When transferring personal data from the European Economic Area (EEA), we rely on Standard Contractual Clauses (SCCs) approved by the European Commission to ensure adequate protection consistent with GDPR.

14. Do Not Track (DNT) Disclosure

Our Platform currently does not respond to Do Not Track signals, as no consistent industry standard exists.

15. Compliance with Puerto Rico and California Laws

We comply with:

  • Puerto Rico Law 81-2019 (Personal Information Protection Act)
  • Puerto Rico Law 111-2021 (Data Breach Notification Act)
  • California Consumer Privacy Act (CCPA/CPRA)
  • California residents may request, once per 12 months, a list of categories of personal information disclosed for business purposes.

16. Changes to This Policy

We may update this Privacy Policy periodically.
Material changes will be communicated via email or in-app notification before they take effect.

The “Last Updated” date at the top of this Policy reflects the most recent revision.
We encourage you to review this Policy regularly to stay informed.

17. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact:

PWR Retirement Group
📍 1332 Ave. Roosevelt, San Juan, 00920, Puerto Rico
📧 info@pwrretirementgroup.us

📞 +1 (787) 688-4991

Acknowledgment

By using the PWR Retirement Group Website or Mobile App, you confirm that you have read, understood, and agreed to this Privacy Policy.