Privacy Policy

Overview

VariableAnnuityGuide.com ("we", "our", "the site") is operated by Raganele Consulting. This policy explains what data we collect, how we use it, and your rights.

Cookie Consent

When you first visit our site, a cookie consent banner asks whether you accept analytics cookies. If you accept, we load the tracking services listed below. If you reject, no tracking cookies are set and no analytics data is collected.

You can change your preference at any time by clicking "Manage Cookies" in the page footer, which will re-display the consent banner.

Your cookie preference is stored in your browser's localStorage under the key cookie_consent. We do not transmit this preference to any server.

What we collect

Calculator usage

The Variable Annuity Calculator runs entirely in your browser. No investment amounts, ages, or simulation parameters are sent to our servers. We do not see or store any of the data you enter into the calculator.

We do not process, store, or transmit any financial transaction data. No financial data entered into the calculator leaves your browser.

Analytics (only with your consent)

If you accept analytics cookies, we use the following third-party services:

• Google Analytics 4 — collects anonymised page views, session duration, referral sources, device type, and approximate geographic location. We use this to understand which pages are most useful and how visitors find us.
• Hotjar — records anonymised heatmaps and session recordings to help us improve the user experience. Hotjar does not capture keystrokes in form fields.
• LinkedIn Insight Tag — tracks conversions from LinkedIn advertising campaigns. Collects LinkedIn member data for campaign optimisation.

Contact form

If you submit the contact form, we collect your name, email address, and message. This data is processed by Web3Forms and delivered to our inbox. We use it only to respond to your inquiry and do not add you to any mailing list unless you opt in.

Cookies

We only set analytics cookies if you accept them via the consent banner. These include:

• Analytics — Google Analytics and Hotjar set cookies to track sessions and returning visitors.
• LinkedIn — The LinkedIn Insight Tag sets cookies for ad measurement (when active).

If you reject cookies, no tracking scripts are loaded and no cookies are set. The calculator will continue to work without cookies. You can also change your preference at any time via the "Manage Cookies" link in the footer.

How we use your data

• To improve the website and calculator based on usage patterns
• To respond to contact form inquiries
• To measure the effectiveness of our marketing campaigns

We do not sell, rent, or share your personal data with third parties for their marketing purposes.

Data retention

• Analytics data: Retained by Google Analytics for 14 months, Hotjar for 365 days.
• Contact form submissions: Retained in our email inbox until resolved, then archived.

Your rights

Under GDPR and CCPA, you have the right to:

• Access the personal data we hold about you
• Request deletion of your data
• Refuse analytics cookies via the consent banner on first visit
• Withdraw consent at any time via the "Manage Cookies" link in the footer

Children's privacy

This site is not directed at individuals under 18. We do not knowingly collect data from minors.

Contact

For privacy-related inquiries, contact us at privacy@variableannuityguide.com or use our contact form.

Changes to this policy

We may update this policy from time to time. Material changes will be announced on the site. The "Last updated" date at the top reflects the most recent revision.