Effective Date: August 24, 2026

1. WHO WE ARE

The 15 Minute Advisor is a consumer education and retirement-planning brand operated by Shoreline Financial Group, Inc. (“Shoreline,” “The 15 Minute Advisor,” “we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, and protect information when you visit 15minuteadvisor.com, complete the Retirement Risk Quiz, request educational materials, book a review, or otherwise communicate with us.

The Retirement Risk Quiz and related materials are educational. They are not an insurance application, financial plan, individualized recommendation, or offer to buy or sell an insurance or financial product.

2. INFORMATION WE COLLECT

Information you provide. Depending on how you interact with us, we may collect your name, email address, telephone number, ZIP code, appointment information, communication preferences, and other information you choose to provide.

Quiz and inquiry information. We collect answers submitted through the Retirement Risk Quiz, the resulting educational score or category, requests for research materials, and information related to a requested retirement-planning review. Please do not submit Social Security numbers, financial-account credentials, payment-card information, medical records, or other highly sensitive information through the quiz or general website forms.

Automatically collected information. When you use the website, we and our service providers may collect IP address, browser and device type, operating system, referring page, pages viewed, links clicked, date and time, approximate location derived from IP address, cookie identifiers, and similar usage information.

Communications. If you contact us, we may retain the content of the communication and information needed to respond.

3. HOW WE USE INFORMATION

We may use information to:

operate, maintain, secure, and improve the website, quiz, and related services;

calculate and display an educational Retirement Risk Quiz result;

deliver requested research materials and respond to inquiries;

schedule and conduct a requested 15-minute review;

connect you, at your request, with appropriately licensed professionals;

send service messages and, when permitted, marketing communications;

measure website and advertising performance, understand engagement, and prevent fraud;

maintain records, enforce our terms, and comply with legal or regulatory obligations; and

protect the rights, safety, and security of visitors, our business, and others.

4. COOKIES, META PIXEL, AND ADVERTISING TECHNOLOGIES

We use cookies, pixels, web beacons, and similar technologies. These technologies help pages function, remember preferences, understand website use, measure advertising, and improve communications.

Our website uses Meta Business Tools, which may include the Meta Pixel and, if implemented, the Conversions API. Third parties, including Meta Platforms, Inc., may use cookies, web beacons, and other storage technologies to collect or receive information from this website and elsewhere on the internet. Meta may use that information to provide measurement services and to target and deliver ads in accordance with its own terms and privacy policy.

Information sent through these tools may include device and browser information, page visits, referral information, cookie identifiers, and events such as a completed form or quiz. Contact information used for matching may be transformed or hashed before transmission where supported. We do not intentionally send individual quiz answers, a Retirement Risk Score or result category, financial-account information, or a detailed personal financial profile to Meta through our advertising tools.

You can review or change Meta advertising preferences at Meta Ad Preferences. You may also learn about interest-based advertising choices at optout.aboutads.info. Browser settings may allow you to block or delete cookies; doing so may affect website functionality. Where applicable law requires consent, advertising technologies should be used in accordance with the consent choices presented to you.

5. HOW WE DISCLOSE INFORMATION

We may disclose information to:

service providers that support website hosting, customer relationship management, quiz delivery, scheduling, email or text delivery, analytics, security, and advertising;

licensed professionals and business partners when necessary to provide a service or follow-up you requested;

professional advisers such as legal, accounting, compliance, or security advisers;

government authorities or other parties when required by law or reasonably necessary to protect rights, safety, or security; and

a successor organization in connection with a merger, acquisition, financing, reorganization, or sale of business assets, subject to applicable law.

We do not sell personal information to unrelated third parties for money. Some state privacy laws may define certain advertising disclosures as “sharing,” “targeted advertising,” or a “sale” even when no money is exchanged. Where those laws apply, you may request to opt out as described below.

6. EMAIL, TELEPHONE, AND TEXT COMMUNICATIONS

Submitting the quiz or using the website does not by itself authorize every form of marketing communication. If a form presents a separate consent disclosure and you affirmatively agree, we or service providers acting on our behalf may contact you at the information provided, including through automated technology where disclosed and permitted by law. Consent to marketing is not a condition of purchasing a product or service.

You may unsubscribe from marketing emails using the link in the message. You may request that telephone marketing stop during a call. For text messages, reply STOP to opt out or HELP for help. Message and data rates may apply. We may still send non-marketing communications necessary to respond to a request or administer a relationship.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent will not be shared with any third parties, except service providers and aggregators that support delivery of the text-messaging program. Those providers may use the information only to provide messaging services on our behalf.

We do not sell, rent or disclose mobile telephone numbers or SMS consent records for third-party marketing. Consent to receive text messages is voluntary and is not a condition of purchasing any product or service.

7. DATA RETENTION AND SECURITY

We retain information for as long as reasonably necessary for the purposes described in this policy, including providing requested services, maintaining business and compliance records, resolving disputes, enforcing agreements, and satisfying legal obligations. Retention periods vary according to the type of information and the reason it was collected.

We use reasonable administrative, technical, and physical safeguards designed to protect information. No system or method of transmission is completely secure, and we cannot guarantee absolute security.

8. YOUR PRIVACY CHOICES AND RIGHTS

Depending on where you live and subject to legal exceptions, you may have the right to request access to, correction of, or deletion of personal information; obtain a copy of certain information; or opt out of certain targeted advertising, sharing, or marketing communications.

To make a privacy request, email [email protected] with the subject line “Privacy Request,” or contact us using the information below. We may need to verify your identity and authority before completing a request. Authorized agents may be required to provide proof of authorization. We will not unlawfully discriminate against you for exercising an applicable privacy right.

9. CHILDREN’S PRIVACY

The website and Retirement Risk Quiz are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children under 13. If you believe a child has provided information to us, please contact us so we can review and, where appropriate, delete it.

10. THIRD-PARTY WEBSITES

The website may link to third-party websites or services. Their privacy practices are governed by their own policies, and we are not responsible for those practices.

11. CHANGES TO THIS POLICY

We may update this Privacy Policy periodically. The Effective Date above identifies the current version. Material changes may also be communicated through the website or another appropriate method.

12. CONTACT US

Shoreline Financial Group, Inc.
The 15 Minute Advisor
5100 PGA Blvd.
Suite 305
Palm Beach Gardens, FL 33418

Phone: (561) 968-4424
Email: [email protected]
Website: 15minuteadvisor.com