Privacy Policy

Effective November 8, 2026

Layered Income LLC (“Layered Income,” “we,” “us” or “our”) is committed to your privacy. This Privacy Policy explains how we collect, use and share information that identifies or relates to you (“Personal Information”) when you visit layeredincome.com (the “Site”), register for our video, schedule a review or meeting with us, or otherwise contact us (together, the “Services”). This Privacy Policy is part of our Terms of Service. By using the Site or the Services, you agree to this Privacy Policy.

1. The Information We Collect About You

Information you provide. When you register, schedule a review or meeting, or contact us, you may give us your name, email address and phone number, the state you live in, when you plan to retire, your main concern about retirement income, and whether you agree to be called. If you speak with us, you may also share information about your income, savings, insurance and retirement plans.

Information collected automatically. When you use the Site, we and our service providers collect information such as your IP address, browser and device type, the pages you visit, the website or advertisement that referred you, and how much of our video you watch.

2. How We Use Your Information

We may use your Personal Information to:

• provide the Services, including showing you our video and scheduling and holding your call or meeting;
• contact you by email or phone about retirement income and insurance;
• prepare quotes or proposals that you request;
• keep records of your requests and of whether you agreed to be called;
• understand which advertisements and content are effective, and improve the Site and the Services;
• protect the Site against fraud, spam and misuse; and
• comply with the law and with insurance regulations.

3. How We Share Your Information

We do not sell your Personal Information. We may share it with:

• Service providers that host the Site, store our records, schedule appointments, deliver video, send email and provide website analytics for us. They may use your Personal Information only to perform services for us.
• Insurance companies, and the agencies and marketing organizations we work with, when needed to prepare a quote or proposal you request or to submit an application you choose to make.
• Government authorities and others, when we believe the law requires it, including in response to a subpoena or a request from an insurance regulator, or to protect the rights and safety of you, us or others.
• A successor business, if Layered Income is merged, sold or transferred.

4. Cookies and Similar Technologies

We use cookies and similar technologies, such as your browser’s local storage, to remember that you registered, to play our video, to fill in your details when you book, and to record which advertisement or link brought you to the Site. Our scheduling, video and security providers may also set cookies when their features load on the Site. We use Google Analytics to understand where visitors come from and how they use the Site. Google Analytics uses cookies to measure visits and activity. Advertising storage, advertising personalization and Google signals are disabled in our website tag. We do not use advertising cookies, and we do not allow advertising networks to track you on the Site.

You can block or delete cookies in your browser’s settings, but parts of the Site, such as the video, may not work without them. We do not currently respond to Do Not Track signals.

5. Your Choices

You may ask us at any time to stop emailing or calling you, or to see, correct or delete the Personal Information we hold about you, by contacting us as described below. You can also use the unsubscribe link in any marketing email. We will honor a request to stop contacting you within 10 business days. We may keep information that the law requires us to keep, and enough information to honor your request not to be contacted.

6. Security

We use reasonable administrative and technical safeguards to protect your Personal Information, including encrypted connections and restricted access to our records. No security measures can guarantee security.

7. Children Under 13

The Site is not directed to children under 13, and we do not knowingly collect Personal Information from them. If we learn that we have, we will delete it.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated version on this page with a new effective date.

9. Contact Us

If you have questions about this Privacy Policy, or to make a request, contact us at: