1. Introduction
Long Financial Services, LLC dba The Income Standard ("Company," "we," "us," or "our") operates the website theincomestandard.com (the "Site") and associated communications, including a podcast, email newsletter, and SMS messaging. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you interact with us.
By using the Site or providing your contact information to us, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use the Site or submit your information.
Our mailing address is: 4760 Preston Rd #244-271, Frisco, TX 75034. For privacy-related inquiries, contact us at [email protected].
2. Information We Collect
Information You Provide Directly
We collect personal information that you voluntarily submit through forms on the Site, including:
- First and last name
- Email address
- Phone number (including mobile number if you opt into SMS)
- Approximate asset range or retirement timeline (if entered into our interactive calculators)
- Any other details you provide in messages or form fields
Information Collected Automatically
When you visit the Site, we and our third-party service providers may automatically collect certain technical and behavioral information, including:
- IP address and approximate geographic location
- Browser type and version, operating system, and device identifiers
- Pages viewed, time spent on pages, links clicked, and referring URLs
- Cookie identifiers and similar tracking technology data
Calculator Inputs
Our interactive calculators (Income Gap, Sequence Risk, RMD Projector, Fee Drag) allow you to enter financial figures to generate estimates. These inputs are used only to power the calculator results displayed on your screen. We do not retain calculator inputs unless you submit a contact form in conjunction with a calculator result.
3. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, measure traffic, and support our marketing efforts. The cookies on our Site are set by or on behalf of the following platforms:
- Google Analytics — measures website traffic, page performance, and user behavior in aggregate. Google may use this data subject to Google's Privacy Policy.
- Meta (Facebook) Pixel — allows us to measure the effectiveness of our advertising on Facebook and Instagram. Meta may use this data subject to Meta's Privacy Policy.
- GoHighLevel (GHL) — our CRM and calendar booking platform sets functional cookies to power scheduling forms and lead capture. GHL's privacy practices are governed by GoHighLevel's Privacy Policy.
Most browsers allow you to refuse cookies or to be notified when cookies are being sent. Disabling cookies may affect the functionality of certain features on the Site. We do not currently respond to browser "Do Not Track" signals.
4. How We Use Your Information
We use the information we collect to:
- Respond to inquiries and schedule Income Standard Reviews via our calendar system
- Send educational content, episode notifications, and retirement income resources via email
- Send appointment reminders, confirmations, and follow-up communications via SMS (to opted-in contacts only)
- Analyze Site traffic and user behavior to improve our content and user experience
- Measure the performance of our advertising campaigns (via Google and Meta)
- Comply with legal obligations and protect our legal interests
We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.
5. SMS / Text Message Communications
By providing your mobile phone number and opting in, you consent to receive SMS text messages from The Income Standard. Message frequency varies. Message and data rates may apply. Text STOP at any time to unsubscribe. Text HELP for assistance. You may also contact us at [email protected].
SMS messages we send may include: appointment reminders and confirmations, follow-up after your Income Standard Review request, and links to retirement income educational content you have requested. We do not send unsolicited marketing texts. Your phone number will not be shared with third parties for their SMS marketing purposes.
Carriers are not liable for delayed or undelivered messages.
6. How We Share Your Information
We may share your personal information with trusted service providers who assist in operating the Site and our communications, strictly for the purposes described in this Policy. These currently include:
- GoHighLevel — CRM, calendar scheduling, and SMS delivery platform
- Google — analytics and advertising measurement
- Meta — advertising measurement and remarketing
- Email delivery and communications infrastructure providers
We may also disclose your information (a) if required by law or legal process; (b) to protect the rights, property, or safety of the Company, our clients, or the public; or (c) in connection with a merger, acquisition, or sale of all or a portion of our business assets, with appropriate confidentiality protections.
7. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Policy, unless a longer retention period is required or permitted by law. If you wish to request deletion of your personal information, contact us at [email protected] and we will respond within a reasonable time.
8. Children's Privacy
The Site and our services are intended for adults age 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately at [email protected] and we will take steps to delete it.
9. Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
10. State Privacy Rights
Depending on your state of residence, you may have specific rights regarding your personal information. Residents of California and certain other states may have rights to access, correct, or delete personal information we hold, and to opt out of certain data sharing. To exercise these rights, please contact us at [email protected] with your name, state of residence, and the right you wish to exercise. We will respond within the timeframe required by applicable law.
11. Third-Party Links
The Site may contain links to third-party websites, podcast platforms (Apple Podcasts, Spotify, YouTube, etc.), and other resources. We are not responsible for the privacy practices or content of those external sites. We encourage you to review the privacy policies of any third-party sites you visit.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this Policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated Policy.
13. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
- Email: [email protected]
- Mail: Long Financial Services, LLC dba The Income Standard, 4760 Preston Rd #244-271, Frisco, TX 75034