Legal Information

Privacy Policy

Up North Retirement respects your privacy and is committed to protecting the personal information you share with us. This policy explains what we collect, how we use it, and your rights.

Information We Collect

When you fill out a form on our website (such as the contact form or scheduling tool), we may collect:

• Your name
• Email address
• Phone number
• Any information you include in your message

How We Use Your Information

We use the information you provide to respond to your inquiries, schedule calls, and follow up on your requests. We may also use your contact information to send relevant educational materials or updates about our services, but only if you've indicated interest.

We Do Not Sell Your Information

Period. Your personal information is never sold, rented, or traded to third parties for marketing purposes. We will never share your data with anyone who doesn't need it to serve you directly.

Cookies and Analytics

This website uses Cloudflare Web Analytics, which is a privacy-first, cookieless analytics tool. It does not track individual users or use cookies. If you use our scheduling tool (powered by Calendly), Calendly may set its own cookies according to their privacy policy.

Third-Party Services

We use Calendly to handle appointment scheduling. When you book a call through our site, you interact with Calendly's platform, which is governed by their own privacy policy and terms of service.

Data Retention

Contact form submissions and scheduling information are retained for legitimate business purposes, including following up on inquiries and maintaining records of client communications.

Questions About Your Privacy

If you have questions about how your data is handled, or if you'd like to request that your information be deleted, contact us at tracy@upnorthretirement.com.

Terms of Service

By using this website, you agree to the following terms:

Informational Purposes

The content on this website is provided for general informational and educational purposes only. Nothing on this site constitutes personalized financial advice, a recommendation to buy or sell any product, or an offer of any kind.

Educational Content

Articles, videos, and other educational materials on this site are designed to help you better understand retirement planning concepts. They should not be considered a substitute for personalized guidance from a qualified professional who understands your specific situation.

Age Requirement

You must be at least 18 years of age to use this website or submit information through our forms.

Financial Disclosures

Tracy Lownsberry is a licensed insurance agent. The products discussed and offered through Up North Retirement include annuities and life insurance.

• Not FDIC insured. Annuities are insurance products issued by insurance companies. They are not bank deposits and are not insured by the FDIC or any federal government agency.
• Guarantees are backed by the claims-paying ability of the issuing insurance company. The strength of any guarantee depends on the financial stability of the company behind it.
• Past performance does not guarantee future results. Any illustrations, projections, or hypothetical examples shown on this site are for educational purposes and may not reflect actual outcomes.
• Consult a qualified professional. Before making any financial decisions, you should consult with a qualified financial professional who can evaluate your individual circumstances, goals, and risk tolerance.
• No offer or solicitation. This website does not constitute an offer to sell or a solicitation of an offer to buy any insurance or financial product. Product availability and features may vary by state.

SMS Terms

By providing your phone number and opting in, you consent to receive text messages from Up North Retirement related to your inquiry, appointment reminders, and relevant retirement planning information.

• Message frequency: Message frequency varies based on your interaction with us. You will not receive more than 10 messages per month.
• Opt out: You can stop receiving messages at any time by replying STOP to any message.
• Help: Reply HELP for assistance, or contact us at tracy@upnorthretirement.com.
• Carrier charges: Message and data rates may apply depending on your mobile carrier and plan.