PRIVACY POLICY

1. Introduction
My Pension Path is a pension and retirement review service operated by MeridianLight LLC (“MeridianLight,” “My Pension Path,” “we,” “us,” or “our”). We respect your privacy and are committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit request or schedule a Pension & Retirement Review, communicate with us, or otherwise interact with our services. By using our website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy. My Pension Path and MeridianLight LLC are independent of and are not affiliated with or endorsed by any employer, school district, educational institution, government agency, or state or federal pension system.

2. Information We Collect
We may collect personal information that you voluntarily provide when you schedule an appointment, complete a form, communicate with us, or otherwise use our services. This information may include:
• First and last name;
• Email address;
• Mobile or telephone number;
• Employer or school district;
• School, department, or workplace;
• Job title;
• State of residence or employment;
• Appointment date, time, and scheduling preferences;
• Retirement-related topics or questions you indicate you would like to discuss; and
• Other information you voluntarily provide to us.

We may also automatically collect certain technical information when you visit our website, including IP address, browser type, device information, operating system, referring website, pages viewed, approximate geographic information, and website interaction information. We may also receive information from third-party sources where permitted by applicable law.

3. How We Use Your Information
We may use personal information for purposes including:
• Scheduling and managing your requested Pension & Retirement Review;
• Assigning an appropriately licensed professional to your requested appointment;
• Preparing for and conducting your requested review;
• Sending appointment confirmations, reminders, scheduling updates, and appointment-related follow-up;
• Responding to questions and requests;
• Communicating with you regarding services or information you have requested;
• Providing educational information concerning pension and retirement-related topics;
• Operating, maintaining, analyzing, and improving our website and services;
• Maintaining business, appointment, and compliance records;
• Protecting against fraud, misuse, unauthorized activity, or security incidents;
• Complying with applicable laws, regulations, legal processes, and regulatory requirements; and
• Other purposes disclosed to you at the time information is collected.

4. Pension & Retirement Review Appointments
When you request a Pension & Retirement Review through My Pension Path, MeridianLight LLC may assign your appointment to an appropriately licensed insurance professional based on factors such as your location, professional licensing requirements, availability, and the nature of your request. The professional assigned to your appointment may receive information you provided when scheduling the appointment as reasonably necessary to prepare for, conduct, and follow up regarding your requested review. Appointment confirmations, reminders, scheduling updates, and appointment-related communications may be sent by MeridianLight LLC, My Pension Path, the professional assigned to your appointment, or service providers acting on our behalf, subject to applicable law and your communication preferences.

5. How We Share Information
We may disclose personal information as reasonably necessary to operate our services and fulfill your requests. This may include disclosure to:
• Assigned Licensed Professionals. We may provide information to the licensed professional assigned to conduct or assist with your requested Pension & Retirement Review.
• Service Providers. We may use third-party service providers that perform services on our behalf, including customer relationship management, appointment scheduling, website hosting, email delivery, text messaging, telecommunications, video conferencing, analytics, security, data storage, and other operational services.
• Insurance and Related Service Providers. If you subsequently choose to apply for or obtain an insurance product or other service through an appropriately licensed professional, information may be provided to applicable insurance carriers and other parties as reasonably necessary to process your request, application, or transaction and as permitted by law.
• Legal and Compliance Purposes. We may disclose information when we reasonably believe disclosure is necessary to comply with applicable law, regulation, court order, subpoena, legal process, regulatory requirement, or to protect the rights, property, security, or safety of MeridianLight LLC, our users, or others.
• Business Transactions. Information may be transferred in connection with a merger, acquisition, financing, restructuring, sale of assets, or similar business transaction, subject to applicable law.
We do not sell or rent personal information to unrelated third parties for their own independent marketing purposes.

6. Mobile Phone Information and SMS Consent
When you provide a mobile telephone number in connection with a requested Pension & Retirement Review, your telephone number may be made available to the licensed professional assigned to your appointment and to service providers that support appointment scheduling, communications, customer service, and related operational functions.
If you affirmatively consent to receive text messages from MeridianLight LLC, we may send non-marketing text messages related to your requested Pension & Retirement Review, including:
• Appointment confirmations;
• Appointment reminders;
• Scheduling or rescheduling updates; and
• Appointment-related follow-up.
Message frequency varies. Message and data rates may apply. Reply STOP to any message to opt out of further text messages. You may receive a final message confirming your opt-out. Reply HELP for assistance or contact us at [email protected]. Consent to receive text messages is voluntary and is not a condition of receiving a Pension & Retirement Review. Wireless carriers are not responsible for delayed or undelivered messages. Your mobile phone information and SMS opt-in consent will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes. Information may be shared with service providers and the licensed professional assigned to your requested appointment as reasonably necessary to provide the services and communications you requested. SMS opt-in data and consent will not be shared with third parties for unrelated marketing or promotional purposes.

7. Email Communications
We may use your email address to communicate with you regarding appointments, inquiries, requested information, services, and other communications permitted by applicable law. Promotional or marketing emails, where applicable, will provide a method to unsubscribe from future promotional email communications. Unsubscribing from promotional emails may not prevent us from sending non-promotional communications reasonably necessary to administer an appointment, respond to a request, or provide a service you requested.

8. Cookies and Tracking Technologies
We may use cookies and similar technologies to operate our website, remember preferences, understand how visitors use our website, improve functionality and user experience, measure website and communication performance, and maintain security. We may also use analytics and advertising technologies provided by third-party service providers to understand website activity and evaluate the effectiveness of our communications or marketing. These technologies may collect information such as your IP address, device type, browser, pages viewed, referring website, interactions with our website, and approximate location. Your browser may allow you to block, delete, or otherwise manage cookies. Disabling certain cookies may affect the functionality of portions of our website.

9. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure. However, no internet transmission, electronic communication, or data-storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted to or maintained by us. Please avoid transmitting highly sensitive or confidential information through unsecured communication channels unless specifically requested through an appropriate secure process.

10. Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide requested services, maintain appropriate business and compliance records, resolve disputes, prevent fraud, enforce agreements, and satisfy applicable legal or regulatory obligations. Retention periods may vary depending on the nature of the information and applicable legal, regulatory, insurance-carrier, or business requirements.

11. Your Privacy Rights and Choices
Depending on your state of residence and applicable law, you may have certain rights concerning your personal information. These may include the right to request:
• Access to certain personal information we maintain about you;
• Information concerning categories of personal information collected;
• Correction of inaccurate personal information;
• Deletion of certain personal information;
• Information regarding how personal information has been disclosed; and
• Other rights provided under applicable privacy laws.
Certain rights may be subject to exceptions or limitations under applicable law. We may need to verify your identity before processing a privacy request. We will not unlawfully discriminate against you for exercising privacy rights provided by applicable law. To submit a privacy request, contact: [email protected]

12. California Privacy Rights
California residents may have additional rights concerning their personal information under applicable California privacy laws. Depending upon applicability and subject to statutory exceptions, these rights may include the right to know the categories and specific pieces of personal information collected, the categories of sources from which information was obtained, the purposes for collecting or using personal information, categories of recipients to whom information is disclosed, and the right to request correction or deletion of certain personal information. California residents may also have rights regarding certain forms of sale or sharing of personal information as those terms are defined under applicable California law. MeridianLight LLC does not sell or rent personal information to unrelated third parties for their own independent marketing purposes. To exercise an applicable California privacy right, contact us at [email protected]. We may request information reasonably necessary to verify your identity and process your request. An authorized agent may submit a request where permitted by applicable law, subject to appropriate verification of the agent's authority.

13. Third-Party Websites and Services
Our website may contain links to, integrations with, or embedded functionality provided by third-party websites or services. We are not responsible for the privacy practices, security, content, or policies of third-party websites or services that we do not control. We encourage you to review the applicable privacy policies before providing personal information directly to a third party.

14. Adults Only
My Pension Path is intended for adults seeking information concerning pension and retirement benefits. Our services are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18 through My Pension Path. If we learn that personal information has been collected from an individual under 18 in circumstances where it should not have been collected, we may take reasonable steps to delete it.

15. Financial, Insurance, Tax, and Legal Information
Information available through My Pension Path or provided during an initial Pension & Retirement Review is intended for general educational and informational purposes. My Pension Path and MeridianLight LLC are not affiliated with or endorsed by any employer, school district, educational institution, government agency, or state or federal pension system. MeridianLight LLC is an independent insurance agency. Insurance products and services, where applicable, are offered through appropriately licensed insurance professionals and are subject to applicable licensing requirements, product availability, carrier requirements, and applicable law. Nothing on this website constitutes legal or tax advice.

16. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our services, practices, technology, or applicable legal requirements. When we make changes, we will update the Last Updated date at the top of this page. We encourage you to review this Privacy Policy periodically.

17. Contact Us
If you have questions regarding this Privacy Policy, our privacy practices, or would like to submit a privacy request, please contact:
MeridianLight LLC
My Pension Path
Email: [email protected]
Website: MyPensionPath.com
P.O. Box 2006, Gilbert AZ 85299

© 2026 MeridianLight LLC. All Rights Reserved.