Privacy Policy

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.us/) 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.

• Personal Information: Any information that identifies or could reasonably identify an individual, directly or indirectly.
• Processing: Any operation performed on personal data, such as collection, storage, use, disclosure, or deletion.
• Service Providers: Trusted third-party vendors who perform services on our behalf under contractual confidentiality and security obligations.
• Sensitive Personal Information: Data revealing racial or ethnic origin, biometric identifiers, financial data, health information, or other data requiring enhanced protection.

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, and 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) is 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, error logs, and location data (if enabled).

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.

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.

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.

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.

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).

Our Website uses cookies and similar technologies to improve navigation and user experience, analyze traffic and performance, and 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.

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.

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.

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.

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

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)

We respect your privacy regarding mobile communications. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data, consent, and phone numbers collected for SMS communications will not be shared with any third parties under any circumstances, except as required by law.

PWR Retirement Group SMS communications may include the following types of messages depending on user activity and consent preferences:

• 2FA (Two-Factor Authentication) and OTP verification messages
• Customer care and support communications
• Fraud prevention and account security alerts
• Event reminders and appointment notifications
• Only for users who have explicitly opted in

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.

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

• Phone: +1 (202) 359-9000
• Email: info@pwrretirementgroup.us
• Address: 1332 Ave. Roosevelt, San Juan, 00920, Puerto Rico

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

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.