1. Introduction
Dual Marketing Inc ("Company," "we," "us," or "our") operates the Vettra platform, accessible at vettraverified.com and vettraai.com. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use our consumer quiz funnel, the Retirement Readiness Quiz ("RRQ").
Vettra is a third-party vetting and matching platform that connects consumers with independently licensed financial advisors. Vettra is NOT a financial advisory firm, does NOT provide financial advice, and does NOT make financial recommendations. The quiz and reports provided through our platform are educational and informational tools only.
By accessing or using our quiz funnel, you agree to the collection and use of your information as described in this Privacy Policy. If you do not agree, please do not use our services.
2. Information We Collect
2.1 Information you provide directly
When you use our quiz funnel, we collect the following information that you voluntarily provide:
- Contact information. First name, last name, email address, phone number, and state of residence.
- Quiz responses. Your answers to quiz questions, which may include information about your age, retirement timeline, annual income, savings and investment balances, debt levels, risk tolerance, insurance coverage, estate planning status, family situation, financial concerns, and advisor preferences.
- Verification data. Phone verification codes submitted to confirm your identity.
2.2 Information collected automatically
When you access our quiz funnel, we automatically collect:
- Device information. Device type (mobile, desktop, tablet), browser type, and operating system.
- Usage data. IP address, pages viewed, time spent on pages, quiz completion progress, and funnel interaction timestamps.
- Tracking data. Advertising pixel data, click identifiers, and browser or click cookies used for advertising attribution and optimization.
2.3 Information we generate
Based on your quiz responses, our system generates:
- Quiz scores and reports. Retirement readiness scores, risk assessments, income gap analyses, net worth summaries, withdrawal stress tests, and blind spot analyses. These are generated by automated algorithms and are for informational purposes only.
- Lead classification. A tier classification (premium, ideal, or standard) based on your financial profile, used solely for advisor matching purposes.
- AI-generated summaries. Brief summaries of your financial profile generated by artificial intelligence to help your matched advisor understand your situation.
3. How We Use Your Information
We use the information we collect for the following purposes:
- Advisor matching. To match you with an independently licensed financial advisor based on your geographic location, financial profile, and stated preferences.
- Quiz reports. To generate personalized educational reports based on your quiz responses.
- Phone verification. To verify your phone number and protect against fraudulent submissions.
- Communication. To send you a one-time verification code by text message, and appointment confirmations or reminders related to your matched advisor.
- Advertising optimization. To send conversion events to advertising platforms for the purpose of optimizing campaigns that help us reach consumers who may benefit from financial advisor matching. This data is pseudonymized and sent by server-side integration.
- Platform improvement. To analyze quiz completion patterns, funnel performance, and user experience metrics for the purpose of improving our services.
- Contacting you. We may contact you directly if necessary to facilitate your advisor match, address service issues, or for operational purposes related to your quiz submission.
5. Text Message Consent and Terms
By providing your phone number and checking the consent checkbox on our opt-in form, you expressly consent to receive the following text messages:
- A one-time verification code to confirm your phone number.
- Appointment reminders and scheduling confirmations from the Vettra platform.
- Follow-up communications from your matched financial advisor regarding your quiz results and potential advisory relationship.
Message frequency varies. You may receive up to 10 messages related to your quiz submission and advisor match. Message and data rates may apply depending on your mobile carrier and plan.
You may opt out of text messages at any time by replying STOP to any message. After opting out, you will receive one final confirmation message. To resume messages, reply START. For help, reply HELP or contact us atmichael@vettraverified.com.
Your consent to receive text messages is not a condition of using our quiz funnel. You may complete the quiz and receive your report without providing a phone number, although advisor matching requires phone verification.
7. Data Security
We implement commercially reasonable technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission (HTTPS/TLS), secure server infrastructure, access controls, and authentication requirements. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
8. Data Retention
We retain your quiz submission data, including contact information and quiz responses, for as long as necessary to fulfill the purposes described in this Privacy Policy, including facilitating your advisor match and maintaining records for analytics purposes. Lead data is typically retained for the duration of the advisor and consumer relationship and for a reasonable period thereafter.
9. Your Rights
9.1 All users
You have the right to:
- Opt out of text messages by replying STOP.
- Contact us to inquire about what personal information we hold about you.
- Request correction of inaccurate personal information.
9.2 California residents (CCPA rights)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
- Right to know. You may request the categories and specific pieces of personal information we have collected about you.
- Right to delete. You may request that we delete your personal information, subject to certain exceptions.
- Right to non-discrimination. We will not discriminate against you for exercising your CCPA rights.
- Right to opt out of sale. We do not sell personal information, so this right does not apply.
To exercise any of these rights, please contact us atmichael@vettraverified.comwith the subject line "Privacy Request." We will respond to your request within 45 days.
10. Children's Privacy
Our quiz funnel is designed for adults who are planning for or currently in retirement, typically ages 45 and older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected information from a minor, we will take steps to delete that information promptly. If you believe a minor has provided us with personal information, please contact us atmichael@vettraverified.com.
11. Third-Party Links and Services
Our platform may contain links to third-party websites or services, including your matched advisor's website or scheduling tools. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party services you interact with.
12. Important Disclaimers
VETTRA IS NOT A FINANCIAL ADVISOR, BROKER-DEALER, INVESTMENT ADVISOR, OR INSURANCE COMPANY. Vettra is a technology platform operated by Dual Marketing Inc that connects consumers with independently licensed financial professionals.
The quiz scores, reports, analyses, and AI-generated content provided through our platform are for EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. They do not constitute financial advice, investment recommendations, tax advice, legal advice, or insurance advice.
Any financial decisions you make based on information from our platform or from a matched advisor are your sole responsibility. Dual Marketing Inc is not liable for any actions taken by you or by any financial advisor matched through our platform.
Financial advisors matched through Vettra are independent professionals. Dual Marketing Inc does not employ, supervise, or control these advisors. We do not guarantee the quality, accuracy, or suitability of any advice they provide.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be indicated by the "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of our quiz funnel after any changes constitutes your acceptance of the updated Privacy Policy.
14. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:
Dual Marketing Inc14124 Lora Street, Smithville, MO 64089
Email: michael@vettraverified.com