Privacy Policy

1. Introduction

Residently Speaking ("we," "our," or "us") is a disability income insurance and financial planning service committed to protecting the privacy of the individuals who visit our website at residentlyspeaking.com (the "Site") and who submit information through our contact forms.

This Privacy Policy describes the types of information we collect, how we use and protect that information, and your rights regarding your personal data.

2. Information We Collect

2a. Information You Provide Directly

When you submit our contact form or request a consultation, we may collect the following information:

• First and last name
• Email address
• Phone number (optional)
• Residency program and training year

We do not collect Social Security numbers, financial account numbers, health information, or other sensitive personal data through this Site.

2b. Information Collected Automatically

When you visit the Site, we may automatically collect certain technical information, including:

• Browser type and version
• Device type and operating system
• IP address (anonymized where possible)
• Pages visited and time spent on the Site
• Referring website or link source

This information is collected through standard web analytics tools and is used solely to improve Site performance and user experience.

2c. Cookies

The Site may use cookies and similar technologies to enhance your browsing experience. These may include:

• Essential cookies required for basic Site functionality
• Analytics cookies to understand how visitors interact with the Site

We do not use advertising cookies or third-party tracking pixels for targeted advertising. You can control cookie preferences through your browser settings.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiry and schedule a consultation
• To provide information about disability income insurance options available to you
• To improve our Site and the services we offer
• To comply with applicable legal and regulatory requirements

We will not use your information for purposes unrelated to the services described on this Site without your consent.

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties.

We may share your information with the following parties in connection with the services we provide:

• Ameritas Life Insurance Corp. - our carrier partners, as necessary to process inquiries or applications for coverage
• Service providers who assist with Site hosting, analytics, or communications, subject to confidentiality obligations
• Legal or regulatory authorities, if required by law, subpoena, or regulatory inquiry

5. Data Security

We take reasonable administrative, technical, and physical measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this policy, or as required by applicable law and regulatory obligations. Contact form submissions are retained for a period consistent with our business relationship and applicable record-keeping requirements.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal and regulatory obligations
• Withdraw consent for future communications

To exercise any of these rights, please contact us using the information provided below.

8. Third-Party Links

This Site may contain links to third-party websites, including those of Ameritas and other resources. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

This Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date. We encourage you to review this policy periodically.

11. Contact Information

If you have questions about this Privacy Policy or wish to exercise your rights regarding your personal data, please contact us at:

Info@ResidentlySpeaking.com