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Privacy Policy

How Financial Planning Institute collects, uses, and protects the information you share, and the choices you have.

Last Updated: March 2, 2026

This Privacy Policy describes how Financial Planning Institute, the owner and operator of the Certified Annuity Advisor (CAA) platforms ("we," "our," or "us"), collects, uses, processes, transfers, and discloses Personal Information submitted to us or collected about you through our website (www.certifiedannuityadvisor.com), our web application, our mobile application (collectively, the "Platforms"), our services, or our matchmaking program connecting Certified Annuity Advisors (CAAs) with consumers seeking professional guidance on annuities. Financial Planning Institute is an educational company focused on annuities and facilitating connections between CAAs and consumers. This Privacy Policy applies to all of our Platforms.

Who We Collect Information From

We collect Personal Information from or about the following individuals:

  • Professionals: Individuals applying for or maintaining the Certified Annuity Advisor (CAA) designation, including those undergoing background checks, examinations, or enrollment in our matchmaking program.
  • Consumers: Individuals using our Platforms to verify the certification status of CAAs or seeking to connect with CAAs through our matchmaking services.
  • General Visitors: Individuals browsing our Platforms or accessing our educational resources on annuities.

Unless otherwise specified, these categories are collectively referred to as "you" or "your" in this Privacy Policy.

Information We Collect

We collect the following types of Personal Information:

  • Personal Identifiers: Name, email address, phone number, mailing address, and other contact information.
  • Professional Information: Qualifications, certifications, work history, background check details, examination results, etc.
  • Verification Data: Information used to check a CAA's certification status.
  • Sensitive Personal Information: Such as criminal history or regulatory disclosures (for Professionals).
  • Platform Usage Data: IP address, device ID, mobile device identifiers, pages/screens visited, time spent on our Platforms, browsing behavior, app version, operating system, and other diagnostic information.
  • Consumer Matchmaking Data: Financial goals, annuity preferences, geographic location.

How We Collect Information

We collect Personal Information:

  • Directly from You: Via applications, forms, account registration, or direct communication through any of our Platforms.
  • Automatically: Through cookies, mobile analytics, device identifiers, and similar tracking technologies across our website, web application, and mobile application.
  • From Third Parties: Background check providers, examination administrators, etc.

How We Use Your Information

We use your Personal Information to:

  • Process and evaluate CAA certification applications.
  • Verify and maintain certification status.
  • Facilitate matchmaking between Consumers and CAAs.
  • Provide educational resources.
  • Respond to inquiries and provide support.
  • Improve services and our Platforms through analytics.
  • Comply with legal obligations and respond to legal processes.

How We Disclose Your Information

We may disclose Personal Information:

  • For Certification Purposes: Public listings, background check processing.
  • For Matchmaking Services: Sharing relevant information between Consumers and CAAs.
  • With Service Providers: Under confidentiality agreements.
  • For Legal Compliance: To comply with laws or respond to wrongdoing.
  • With Your Consent: For explicitly agreed-upon uses.

We do not sell your Personal Information or use it for targeted advertising beyond the purposes described above.

Cookies and Tracking Technologies

We use cookies, web beacons, mobile analytics software, and similar tracking technologies to collect usage data across all our Platforms. This includes IP addresses, browser types, device identifiers, app usage patterns, and page/screen visits. These tools help us enhance platform performance, understand user behavior, and personalize content. You may manage cookies through your browser settings or adjust mobile app permissions through your device settings, though disabling them may affect functionality across our Platforms.

Your Choices and Rights

  • Opt-Out: Professionals can opt out of some disclosures, though verification disclosures are required for certification.
  • Access and Correction: You can request access to or correction of your data.
  • Matchmaking Program: You may opt out of this program at any time via your account settings or by contacting us.

Data Security

We use reasonable technical and organizational measures to protect your Personal Information. While we strive for high security, no system is entirely secure.

Data Retention

We retain Personal Information as long as necessary to fulfill outlined purposes or meet legal requirements. For Professionals, data is kept for the duration of certification and as per regulation. For Consumers, data is kept until you opt out or it is no longer needed.

Children's Privacy

Our services are not intended for individuals under 18. We do not knowingly collect Personal Information from children.

Changes to This Privacy Policy

We may update this Privacy Policy as needed. Updates will be posted across our Platforms with a revised "Last Updated" date. For mobile app users, we may also notify you through the app. Please review periodically.

How to Contact Us

For questions or requests, contact us at:

Financial Planning Institute
Attn: Privacy Officer
905 E. MLK Jr. Drive
Tarpon Springs, FL 34689
Email: info@financialplanninginstitute.com