Privacy Policy

Effective date: September 25, 2026 · Last updated: September 25, 2026

This policy explains what personal information we collect, how we use it, who we disclose it to, and the choices and rights you have. It is written to agree with our Terms of Use.

The short version

  • We are paid for referrals. When you ask for a full report or book a time, we give your name, contact details, answers and estimate to an independent licensed professional, who pays us. That professional may sell insurance, including annuities. California and some other states count this as a "sale" of personal information.
  • Our website uses advertising cookies and pixels (for example Meta and Google). California law calls this "sharing" for advertising.
  • Our app sends nothing to Meta or any other advertising company, on iPhone or Android. It has no advertising or tracking code.
  • Uploaded documents such as an SF-50 or LES are never given to professionals. An AI service provider reads the printed figures for us. Only the figures you choose to apply go into your report. Please cover your Social Security number before you upload.
  • You can opt out of sale and sharing at Do Not Sell or Share My Personal Information, or in the app under Account → Do Not Sell or Share My Personal Information.
  • You can delete your account in the app, at https://www.federalpensionadvisors.com/delete-account, or by emailing us.

1. Who we are

We are Haug Enterprises, LLC, a Florida limited liability company doing business as Revenx and Federal Pension Advisors. We operate the Federal Employee Advisor Network and Federal Retirement Planner brands ("we," "us," "our").

Haug Enterprises, LLC, 100 2nd Ave S, Suite 105N #1014, St. Petersburg, FL 33701
info@federalpensionadvisors.com · (727) 387-0994

We are a marketing and referral company. We are not a registered investment adviser, broker-dealer, insurance agency, law firm or accounting firm, and we do not provide financial, tax, legal, insurance or investment advice. We are not affiliated with OPM, the Thrift Savings Plan, the Federal Retirement Thrift Investment Board or any government agency.

2. What this policy covers

This policy covers:

  • the Federal Retirement Planner mobile app ("Fed Planner") on iPhone and Android (the "App");
  • our websites, including federalpensionadvisors.com and the consumer questionnaire, report and booking pages at advise.revenx.com and book.federalpensionadvisors.com; and
  • the calls, emails and text messages we exchange with you.

It does not cover:

  • the independent professionals we refer you to. Once a professional has your information, they handle it under their own privacy practices;
  • other companies' sites and services we link to, such as Apple, Google, government websites or our scheduling provider's own terms; or
  • financial professionals who use our advisor software. Separate terms cover them.

3. Information we collect

3.1 Information you give us

  • Instant estimate (App or website): Date of birth, years of federal service or service dates, salary, planned retirement age, marital status and retirement-system details. In the App, the instant estimate is calculated and shown without being stored.
  • Full report (App or website): Your first name, phone number (optional), email address, your answers to the report questions (for example service history, salary, Thrift Savings Plan balance and contributions, survivor, Social Security and insurance choices), and the estimate we produce. We also keep a record of the consent you gave (see 3.4). In the App you do not need to create an account or verify your email before your report opens. We keep your report linked to a temporary session on your device, and you can add an account later.
  • Account (optional): Your email address, password or one-time sign-in code, and the sign-in method you use. If you sign in with Apple or Google, we receive the name and email that service shares with us.
  • Documents (optional): Photos or files you upload, such as an SF-50, another personnel form or an LES, and the figures read from them. See section 6.
  • Booking: The time you choose and the details you enter on the booking page.
  • Feedback and support: What you write to us, an optional reply email address, and your app version and phone operating system.
  • Website forms and chat: Whatever you enter in a website contact form, consultation request, chat window, newsletter or webinar sign-up.

3.2 Information collected automatically

In the App:

  • Our own analytics. These are simple records of what happened, such as "estimate started" or "report viewed." Each one carries a random identifier for your installation of the App. They never contain your answers, your figures, anything you typed or your email address. We store the IP address each record came from and use it only to prevent abuse. We do not use any third-party analytics service in the App.
  • Crash reports. If the App crashes, we record only the kind of error. We never record what was on the screen.
  • Push notification token. If you turn on reminders, your phone gives us a token, together with whether it is an iPhone or an Android phone, so that we can deliver notifications to that device.

The App contains no advertising software. It does not collect your device's advertising identifier and does not track you across other companies' apps or websites.

On our websites:

  • Questionnaire progress. How far through the questionnaire a visit got, together with your browser type and IP address.
  • Cookies, pixels and similar technologies. Our own tools, and those of our advertising and analytics partners, collect information such as your IP address, browser and device type, the pages you view and click, and cookie identifiers. See section 9.
  • Advertising measurement. When you submit a request through our website questionnaire, we send Meta a one-way scrambled (hashed) copy of your email address, together with your IP address, your browser's user-agent string, the page address and any Meta cookie identifiers in your browser. Meta uses these to tell us whether an ad led to your request.

3.3 Calls, texts and emails

Calls are placed by people & AI and may be recorded for quality, training and compliance. We keep the recording and notes about the call. If you book an appointment, we keep the booking, any appointment texts and your replies, and whether the appointment took place, which the professional may report back to us.

3.4 Consent records

When you give contact consent, we record the exact wording you agreed to, its version, the date and time, your IP address, and technical details of the device or browser you used. We also keep a record of any request you make to stop contact or to opt out.

3.5 Unfinished website questionnaires

If you type your first name and email address into our website questionnaire and leave before submitting it, we may keep them for up to 90 days and email you about finishing. We will not call or text you based on it, and we do not give it to professionals.

3.6 From other sources

  • Apple or Google, if you sign in with them.
  • The independent professional you were referred to, who may tell us whether an appointment took place.
  • Our advertising partners, who report whether our ads led to visits or requests. These reports are normally aggregated.

4. How we use information

We use personal information to:

  • produce your estimate and report, show it to you, and let you save, edit and return to it;
  • read the figures on documents you upload, so that you can review them and choose whether to apply them;
  • connect you with an independent professional when you request a full report or book a time, and deliver the walkthrough you asked for;
  • contact you as you agreed. This means a call from a person about your report and walkthrough, messages about booking and your appointment, sign-in codes, account notices, and replies to your feedback;
  • send reminders you turned on in the App;
  • measure our website advertising and show our ads to people likely to be interested (website only, never from the App);
  • understand and improve our App and websites and fix errors;
  • prevent fraud and abuse, secure our services and verify requests; and
  • comply with law, keep consent and opt-out records, honor your choices, and enforce our Terms.

We do not send our own marketing to people who request an estimate or report, other than the walkthrough call and messages about booking and your appointment. Texts are sent only to people who book an appointment, under the consent they give when they book. If you separately subscribe to a newsletter or register for a webinar on our website, we send you what you signed up for.

We do not use your information to make decisions about you that have legal or similarly significant effects.

5. Sale and sharing: who we disclose information to

5.1 Independent professionals (a "sale")

When you request a full report or book a time, we disclose your name, phone number, email address, your answers and your estimate to an independent licensed professional. That professional pays us for the referral. California and some other states treat this as a "sale" of personal information.

Professionals are not our employees. They may be licensed insurance agents who offer products such as annuities and life insurance, and they may earn commissions if you buy one. After they receive your information, they keep their own records under their own privacy practices.

We never give professionals the documents you upload. They receive only the figures that are in your report.

5.2 Advertising partners on our websites ("sharing")

On our websites, the Meta Pixel and Meta's Conversions API, and Google's advertising tags (Google Ads conversion tracking and remarketing), collect or receive the information described in section 3.2. We use them to measure and target our advertising. California law calls this "sharing" for cross-context behavioral advertising, and some states treat it as targeted advertising or a sale. See section 10 to opt out.

The App does not share anything with Meta, Google's advertising services or any other advertising company, on iPhone or Android. The App does not open our website questionnaire.

5.3 Service providers

These companies process personal information for us, under contract, and may use it only to provide their services to us:

  • Supabase: Hosting, database, file storage and sign-in
  • Anthropic: Reading the figures printed on documents you upload
  • GoHighLevel: Our customer-relationship system: keeps records of report requests and bookings and sends booking and appointment messages. It also runs our website chat.
  • Telnyx: Telephone calls, call recording and appointment text messages
  • Our scheduling provider: Booking pages at book.federalpensionadvisors.com and scheduling on our website (for example Calendly)
  • Expo, Apple and Google: Delivering App notifications, and Apple and Google sign-in
  • Google (Analytics, Tag Manager, reCAPTCHA): Website analytics, tag management and spam protection
  • Microsoft Clarity: Website analytics, including recording how pages are used, such as clicks and scrolling
  • Webflow: Hosting our main website
  • Cloudflare: Security for our booking pages

5.4 Other disclosures

We may also disclose information:

  • when the law requires it, or to respond to lawful requests from authorities;
  • to protect the rights, property or safety of you, us, professionals or others, including to prevent fraud;
  • to a buyer or successor in a merger, acquisition, financing or sale of all or part of our business. This policy would continue to apply to your information; and
  • to anyone else, with your permission.

Children. We do not sell or share personal information of anyone we know to be under 18.

6. Documents you upload

  • Documents are kept in private, access-controlled storage linked to your report or account.
  • To read the figures printed on them, we send them to Anthropic, an AI service provider, which extracts the printed values for us. Anthropic may not use your documents for its own purposes, including to train its models.
  • You review what was read. Nothing on your estimate changes unless you choose to apply it.
  • Your documents are visible to you and to a small number of our staff with administrative access. They are never given to professionals.
  • Cover your Social Security number and any bank account numbers before you upload. We do not need them, and we do not intentionally extract or store them. If they appear on a document, we use them only to provide the service you asked for.
  • You can delete a document in the App at any time. Figures you already applied stay on your estimate. Deleting your account deletes all of your documents.

7. Notifications in the App

If you turn on reminders, we use your notification token only to send reminders about your own plan and about dated federal deadlines. We never use notifications for advertising. You can turn reminders off in the App or in your phone's settings. Your token is deleted when you delete your account.

8. Calls, texts and emails

  • Calls are placed by people and may be recorded. If you do not want a call recorded, tell the caller and end the call.
  • Texts are sent only if you book an appointment, under the consent you give when you book. Reply STOP to stop them. Message and data rates may apply.
  • Emails about your report, booking or account include a way to contact us. Any marketing email includes an unsubscribe link.
  • To stop contact, tell the caller, reply STOP to a text, use the unsubscribe link, or email info@federalpensionadvisors.com. We will honor your request within the time the law requires, and we will ask the professionals we referred you to to stop as well.

9. Cookies and similar technologies (websites)

Our websites use:

  • necessary cookies, for example to remember your questionnaire progress on the same device and to keep you signed in;
  • analytics tools (Google Analytics and Microsoft Clarity) to understand how the site is used; and
  • advertising tools (the Meta Pixel and Conversions API, and Google Ads tags) to measure and target our ads. See section 5.2.

You can block or delete cookies in your browser settings. Some features may then not work. Blocking cookies does not by itself opt you out of the Conversions API, so use the choices in section 10 as well.

10. Your choices

Opt out of sale and sharing. Use either of these:

You can also email info@federalpensionadvisors.com with the subject "Do Not Sell or Share."

Global Privacy Control. Our websites honor the Global Privacy Control (GPC) signal. If your browser sends it, we treat it as a request to opt out of sharing for advertising in that browser: our advertising pixels do not load, and we do not send your information to advertising partners. GPC cannot tell us who you are, so to stop a referral of a report you ask for, also use one of the options above.

What opting out does. We stop disclosing your information to professionals for referral fees, and we stop sending your information to advertising partners. Because the walkthrough is provided by a professional, opting out means you will not receive a walkthrough call. You can still use the instant estimate. We tell professionals who already have your information about your request and ask them to stop contacting you.

Other choices:

  • Contact: see section 8.
  • Notifications: turn them off in the App or in your phone's settings.
  • Cookies: see section 9.
  • Documents: delete them in the App at any time.

11. Deleting your account

You can delete your account at any time:

  • in the App: Account tab → Delete my account;
  • on the web: https://www.federalpensionadvisors.com/delete-account; or
  • by email: write to info@federalpensionadvisors.com from the address on the account, with the subject "Delete my account." We will complete the request within 30 days.

Deletion is immediate and permanent. It erases your name, contact details, answers, estimates and every report you requested from the account, including reports finished in the App, their report history and access links, and your uploaded documents.

To honor your choices and meet our legal obligations, we keep:

  • a record of the contact consent you gave and any opt-out; and
  • a one-way scrambled (hashed) copy of your email address and phone number. We check it before contacting anyone so that you are left alone, and it cannot be turned back into your email or number.

Deleting your account does not delete information a professional already holds. Contact them directly about it.

If you requested a report without creating an account, email us from the address you gave and we will delete it.

12. How long we keep information

  • App and website analytics records: 90 days. On the website, records from a visit that went on to submit a request are kept with that request.
  • Unfinished website questionnaires (saved answers, and a first name and email typed before leaving): 90 days
  • Account, report requests, reports, documents and feedback: Until you delete them or your account, or 3 years after your last activity, whichever comes first
  • Call recordings: 5 years
  • Consent and opt-out records: 5 years after our last contact with you
  • Hashed (scrambled) email and phone suppression entries: Indefinitely, so that we keep honoring your opt-out or deletion
  • Information we must keep by law, or for a legal claim: As long as that obligation lasts

13. Your privacy rights

Depending on the state you live in (including California, Virginia, Colorado, Connecticut, Texas and others with similar laws), you may have the right to:

  • know and access the personal information we have about you, and get a portable copy;
  • correct inaccurate information;
  • delete your information;
  • opt out of the sale of your information, of sharing for cross-context behavioral advertising, and of targeted advertising; and
  • not be discriminated against for using these rights.

We do not use sensitive personal information to infer characteristics about you, and we use it only to provide the service you asked for. So we do not offer a separate "Limit the Use of My Sensitive Personal Information" option.

How to make a request. Email info@federalpensionadvisors.com, or use the App (deletion and opt-out are built in). To opt out, see section 10.

  • Verification. For access, correction and deletion requests, we verify your identity, usually by confirming control of the email address or phone number we have on file. Opt-out requests do not need verification.
  • Authorized agents may make requests for you with your signed permission. We may ask you to confirm your identity directly.
  • Timing. We respond within 45 days, and may extend that once by another 45 days if we tell you why. We act on opt-out requests as soon as we can, and within 15 business days.
  • Appeals. If we deny your request, you can appeal by replying to our decision with the word "Appeal." We will answer within the time your state's law allows. If you are not satisfied, you may contact your state attorney general.

14. Notice at collection for California residents

In the last 12 months we have collected the following categories of personal information. The sources are you, your device or browser, sign-in providers, professionals and advertising partners, as described in section 3. We use it for the purposes in section 4 and keep it for the periods in section 12.

  • Identifiers. Examples: Name, email, phone, IP address, account ID, cookie and device identifiers. Sold to: independent professionals. Shared for advertising with: advertising partners (website only).
  • Customer records. Examples: Name, contact details, employment and pay information. Sold to: independent professionals. Shared for advertising with: no one.
  • Protected characteristics. Examples: Age (from date of birth), marital status. Sold to: independent professionals. Shared for advertising with: no one.
  • Financial information. Examples: Salary, TSP balance and contributions, pension estimate. Sold to: independent professionals. Shared for advertising with: no one.
  • Professional or employment information. Examples: Federal service history, retirement system, agency details. Sold to: independent professionals. Shared for advertising with: no one.
  • Internet or other electronic activity. Examples: Pages viewed, App and website usage events, clicks. Sold to: no one. Shared for advertising with: advertising partners (website only).
  • Audio or electronic information. Examples: Call recordings, documents you upload. Sold to: no one. Shared for advertising with: no one.
  • Inferences. Examples: Your estimated retirement income. Sold to: independent professionals. Shared for advertising with: no one.
  • Sensitive personal information. Examples: A Social Security or account number, only if it appears on a document you upload and you did not cover it. Sold to: no one. Shared for advertising with: no one.

15. Security

We protect personal information with encryption in transit, access controls, private storage for documents, and access limited to staff who need it. No system is perfectly secure. If a breach affects your information, we will notify you as the law requires.

16. Children

Our services are for U.S. adults 18 and over. We do not knowingly collect information from anyone under 18. If you believe a child has given us information, email us and we will delete it.

17. Where information is processed

We and our service providers process information in the United States.

18. Changes to this policy

We may update this policy. We will post the new version with a new "Last updated" date and, for material changes, tell you in the App or by email before they take effect.

19. Contact us

Haug Enterprises, LLC (d/b/a Revenx and Federal Pension Advisors)
100 2nd Ave S, Suite 105N #1014, St. Petersburg, FL 33701
info@federalpensionadvisors.com · (727) 387-0994

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