1. Introduction
PurposeNext, Inc. (“PurposeNext,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when individuals access or use our retirement readiness assessment platform available at purposenext.com and related services (the “Services”).
PurposeNext operates as a business-to-business-to-consumer (B2B2C) platform. Our Services may be made available to you directly, through your employer, through a financial advisor, or through another sponsoring organization.
By using the Services, you consent to the practices described in this Privacy Policy. If you do not agree, you should not use the Services.
2. Information We Collect
2.1 Information You Provide Directly
We collect information you voluntarily provide, including:
Account Information
- Name, email address, phone number
- Login credentials
- Age or date of birth
- Geographic location (city, state, zip code)
Assessment Information
- Responses to the PurposeNext PHASE™ Assessment
- Career and work history
- Retirement timeline, goals, and preferences
- Hobbies, interests, and social activities
- Self-reported health and wellness information you choose to share
- Family and relationship information
Important: PurposeNext is not a healthcare provider, mental health provider, or HIPAA-covered entity. You should not submit medical records, diagnoses, or clinical information through the Services. Any health or wellness information is provided voluntarily for self-reflective and educational purposes only.
Communications
- Conversations with Grace, our AI-powered guidance tool
- Customer support communications
- Feedback and survey responses
Payment Information
- Billing name and address
- Payment card details, which are processed by third-party payment processors
2.2 Information Collected Automatically
We automatically collect:
- IP address and approximate location
- Browser and device information
- Usage data, including pages viewed and time spent
- Referring URLs
We use cookies and similar technologies for authentication, preferences, analytics, and functionality.
2.3 Information from Third Parties
We may receive information from:
- Employers, HR platforms, or financial advisors sponsoring your access
- Identity verification providers
- Analytics providers
- Social media platforms if you choose to connect them
3. How We Use Your Information
We use personal information to:
- Provide and operate the Services
- Generate assessment results and insights
- Power personalized guidance from Grace
- Customize user experiences
- Communicate with you
- Conduct analytics and research using aggregated or de-identified data
- Improve and develop our Services
- Comply with legal obligations and enforce our Terms of Service
4. AI and Data Use
4.1 AI Functionality
The Services use artificial intelligence to generate insights, recommendations, and conversational guidance.
4.2 AI Training
We may use aggregated and de-identified assessment data and conversation data to improve our AI models. Personal information is anonymized or de-identified prior to use for AI training and improvement. We do not use identifiable personal information to train third-party AI models.
4.3 Human Review
Certain AI-generated outputs may be reviewed by trained personnel for quality assurance and safety, subject to confidentiality obligations.
5. How We Share Information
We do not sell personal information.
We may share information:
- With your consent
- With service providers acting on our behalf
- With sponsoring employers or advisors, in aggregated or permitted formats
- In connection with business transfers
- To comply with legal obligations
- As aggregated or de-identified data
6. Data Security
We use commercially reasonable safeguards, including encryption, access controls, employee training, and incident response procedures. No system is completely secure, and we cannot guarantee absolute security.
7. Data Retention
We retain personal information as long as necessary to provide the Services and meet legal obligations. Upon account deletion, we delete or anonymize personal information within 90 days, except where retention is required for legal, security, or backup purposes. Backup data is purged on a rolling basis consistent with our retention policies.
8. Your Rights
You may:
- Access and update your information
- Request data portability
- Request deletion
- Opt out of marketing communications
We honor applicable state privacy laws, including CCPA/CPRA and similar statutes.
9. Children's Privacy
The Services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.
10. International Users
Information may be processed in the United States. By using the Services, you consent to such processing.
11. Changes to This Policy
We may update this Privacy Policy and will notify users of material changes.
12. Contact Us
PurposeNext, Inc.
Email: privacy@purposenext.com