Privacy Policy

Effective December 1, 2026

This policy explains what information AY & Co. LLC collects through this website and its services, and how it is used. We do not sell your information.

What we collect

• What you send us. Your name, email address, and messages, plus any documents you share for a service.
• Email sign-ups. Your email address and which updates you asked for.
• Bookings and payments. Handled by our scheduling and payment providers. We receive your name, contact details and payment status, never your full card number.
• Site visits. We may use privacy-friendly analytics that count visits without cookies or personal profiles.

What we never collect

We never ask for your Social Security number. Please black it out on any document you send.

The free pension estimator

Everything you type into the estimator stays in your own browser. It is not sent to us or stored on our servers. You can clear it by clearing your browser's site data.

How we use it

• To deliver the service you booked and to answer your questions
• To send the email updates you signed up for; every email includes a way to unsubscribe
• To keep records the law requires, such as payment records

How long we keep it

Documents shared for a pension review are deleted 30 days after the review unless you ask us to keep them. Documents for other engagements are kept for the length of the engagement and then deleted or returned, unless you ask otherwise. Payment records are kept as tax law requires.

How we protect it

We keep client files in secure, access-controlled storage and limit access to the person doing your work. If a breach ever affects your information, we will notify you as New York law requires.

Your choices

You can ask us what information we hold about you, ask us to correct or delete it, or unsubscribe from emails at any time. Write to [email protected].