Privacy Policy

Effective date: September 20, 2025

Cardwell Associates ("we", "us", or "our") respects your privacy. This Privacy Policy explains what information we collect, how we use it, and the choices you have. By using our website or services, you agree to the collection and use of information in accordance with this policy.

Information We Collect

• Contact details: name, email address, phone number, and company.
• Business information: employee count, plan details, contribution percentages, renewal timing, and related inputs you choose to provide.
• Technical data: device/browser information, IP address, and basic analytics (e.g., pages visited).

How We Use Your Information

• To personalize tools and calculators on the site (e.g., Self‑Funding Check, Savings Predictor).
• To respond to your requests, schedule meetings, and provide advisory services.
• To operate, maintain, and improve our website and services.
• To comply with legal obligations and protect against misuse.

What We Don’t Do

• We do not sell your personal information.
• We do not share your information with third parties for their own marketing.

When We Share Information

We may share information with trusted service providers who help us operate our website, communicate with you, or deliver services (for example, cloud hosting, analytics, and scheduling). These providers are bound by confidentiality obligations and may only use your information on our instructions. We may also disclose information if required by law or to protect our rights and users.

Data Security and Retention

We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect. We retain information only as long as necessary for the purposes described in this Policy, unless a longer retention period is required or permitted by law.

Your Choices

• Access/Update: You can request access to or correction of your information.
• Communications: You may opt out of non‑essential communications at any time.
• Deletion: You may request that we delete your information, subject to legal obligations.

Cookies and Analytics

We may use cookies or similar technologies to understand site usage and improve performance. You can control certain cookie behavior through your browser settings.

Children’s Privacy

Our services are not directed to children under 13 and we do not knowingly collect their personal information.

International Users

If you access our services from outside the United States, you consent to the processing of your information in the U.S., where data protection laws may differ from those in your jurisdiction.

Changes to This Policy

We may update this Privacy Policy from time to time. We will update the effective date above and, if changes are material, provide additional notice.

Contact Us

If you have questions or requests, contact us at info@cardwellassociates.com or by phone at (410) 375‑7278.