Privacy Policy

Effective: January 05, 2024

This Privacy Policy describes how Superior IRA & HSA, LLC. (“Superior IRA & HSA”) collects, uses, and discloses information, and what choices You have with respect to the information. 

Scope of this Privacy Policy

This Privacy Policy applies to Superior IRA & HSA’s products and services, including applicable mobile and desktop applications (collectively, the “Services”), and other Superior IRA & HSA websites (collectively, the “Websites”) and other interactions (e.g., customer service inquiries, user conferences, etc.) You may have with Superior IRA & HSA. If You do not agree with the terms, do not access or use the Services, Websites, or any other aspect of Superior IRA & HSA’s business.


This Privacy Policy does not apply to any third-party applications or software that integrates with the Services through the Superior IRA & HSA platform (“Third-Party Services”), or any other third-party products, services or businesses. In addition, a separate agreement governs delivery, access, and use of the Services (the “MSA”), including the processing of any data submitted through the Services (“Service Data”). The organization (e.g., your employer or another entity or person) that agreed to the MSA (“Customer”) controls its instance of the Services and any associated Service Data (the “Customer Instance”).

Interpretation and Definitions


The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.


For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.


Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Superior IRA & HSA, LLC, PO Box 343, Perham, MN 56573.


Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.


Country refers to: Minnesota, United States


Customer refers to the organization (e.g., your employer or another entity or person) that agreed to the MSA.


Customer Instance refers to the instance of the Services and any associated Service Data controlled by your organization (e.g, your employer or anther entity or person) that agreed to the MSA.


Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.


Data refers to information collected including Personal Data, Service Data or Usage Data.


MSA refers to the Superior IRA & HSA Online Platform and Administration Agreement.


Personal Data is any information that relates to an identified or identifiable individual.


Service refers to Superior IRA & HSA’s products and services, including applicable mobile and desktop applications.


Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.


Third-Party Services refers to third-party applications or software that integrate with the Services through the Superior IRA & HSA, or any other third-party products, services or businesses.


Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).


Website refers to and other Superior IRA & HSA websites.


You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Information Superior IRA & HSA Collects and Receives

We may collect, generate, and receive Service Data and other information and data (“Other Information”; Service Data and Other Information collectively “Information”) in a variety of ways:

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
  • Email address
  • First name and last name
  • Phone number
  • Address
  • Job Title
  • Usage Data

Service Data

Customers and individuals granted access to a Customer Instance by a Customer (“Authorized Users”) may submit Service Data to Us when using the Services.

Account Information

To create or update a Superior IRA & HSA User account, a Customer (e.g., your employer) supplies Us with your first and last name, job title, an email address, and phone number details. In addition, Customers that purchase Services provide Us (or its payment processors) with billing details such as banking information and/or a billing address.

Usage Data

Usage Data is collected automatically when using the Service.


When an Authorized User interacts with the Services, metadata is generated that provides additional context about the way Authorized Users interact with the Services. For example, We may log what Third Party Services are connected with the Services (if any).


As with most technology services delivered over the Internet, our servers automatically collect information when you access or use our Websites or Services and record it in log files. This log data may include the Internet Protocol (IP) address, browser type and OS, the date and time the Services were used, information about browser configuration and plugins, language preferences and cookie data.


We can collect information about devices accessing the Services, including type of device, what operating system is used, device settings, application IDs, unique device identifiers and crash data. Whether We collect some or all of this information often depends on the type of device used and its settings.


We receive information from you, your Customer and other third parties that may approximate your location. We may, for example, use a business address submitted by your employer, or an IP address received from your browser or device to determine approximate location. We may also collect location information from devices in accordance with the consent process provided by your device.

Third-Party Services

A Customer may be able to connect Third-Party Services to its Customer Instance. Typically, Third-Party Services are software services that integrate with Superior IRA & HSA Services, and a Customer can permit its Authorized Users to enable and disable these integrations for its Customer Instance.


We may also develop and offer applications that connect the Services with a Third-Party Service. Once enabled, the provider of a Third-Party Service may share certain information with Us. For example, if a single sign-on service is connected with Superior IRA & HSA Services, We may receive the username and email address of Authorized Users, along with additional information that the application has elected to make available to Superior IRA & HSA to facilitate the integration.


Authorized Users should check the privacy settings and notices in these Third-Party Services to understand what data may be disclosed to Us. When a Third-Party Service is enabled, Superior IRA & HSA is authorized to connect and access Other Information made available to Superior IRA & HSA in accordance with any permission(s) granted by Customer (including, by its Authorized User(s)). Superior IRA & HSA does not, however, receive or store passwords for any of these Third-Party Services when connecting them to the Services.

Third-Party Data

We may receive data about organizations, industries, lists of companies that are customers, Website visitors, marketing campaigns and other matters related to our business from affiliates and subsidiaries, our partners, or others that We engage with to make Our own information better or more useful. This data may be combined with Other Information We collect and might include aggregate-level data, such as which IP addresses correspond to zip codes or countries. Or it might be more specific: for example, how well an online marketing or email campaign performed.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.


We use both Session and Persistent Cookies for the purposes set out below:

Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us

Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.


Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.


Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.


Performance Cookies

Type: Session Cookies

Administered by: Us

Purpose: monitor site performance and follow user actions but they do not collect identifiable information – they collect data anonymously and use it to improve the website. Performance cookies can count page visits, examine how much time a user has spent on a website, as well as analyze loading speeds to improve performance.

Additional information provided to Superior IRA & HSA

Superior IRA & HSA receives Other Information when submitted to our Websites or in other ways, such as if you participate in a focus group, contest, activity or event, apply for a job, enroll in an educational program hosted by Us or a vendor, request support, interact with our social media accounts or otherwise communicate with Superior IRA & HSA.

Superior IRA & HSA Use of Data

Service Data will be used by Superior IRA & HSA in accordance with the applicable MSA, Customer’s use of Services functionality, and as required by applicable law. In addition, Superior IRA & HSA uses Information in furtherance of our legitimate interests in operating our Services, Websites, and business.



More specifically, We may use Data collected for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.


To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.


For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.


To contact You: To contact You by email, telephone calls, or other equivalent forms of electronic communication, regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.


To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.


To manage Your requests: To attend and manage Your requests to Us.


For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.


For billing, account management, and other administrative matters. We may need to contact you for invoicing, account management, and similar reasons and uses account data to administer accounts and keep track of billing and payments.


For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.


For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.


With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.


With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.


With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.


The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

How Superior IRA & HSA Shares and Discloses Information

Transfer of Data

Any information collected through our Services, including Personal Data, is stored, and processed within the United States at Company’s operating offices and in any other places with the US where the parties involved in the processing are located. That means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.


Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.


The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Data

Superior IRA & HSA will never sell your Personal Data. Access to any personal information we collect, and store is generally restricted to those employees and/or contractors who require it to perform a job or other contracted functions except for the situations listed under the We may share Your personal information section within the Superior IRA & HSA Use of Data section above and the following circumstances:

Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.


Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).


Other legal requirements
The Company may disclose Your Data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation
  • Protect and defend the rights or property of the Company
  • Prevent or investigate possible wrongdoing in connection with the Service
  • Protect the personal safety of Users of the Service or the public
  • Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is critical to Us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. We use industry-standard technical and organizational measures to protect information from loss, misuse, and unauthorized access or disclosure. These steps take into account the sensitivity of the Information We collect, process, and store, and the current state of technology.

While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security. When you click a link to a third-party site, you will be leaving Our site and We do not control or endorse what is on third-party sites.

Age Limitations

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Changes to this Privacy Policy

We review and update this Privacy Policy at least annually as well as whenever laws, regulations, and industry standards change making updates necessary, or We make changes to our services or business.


We will post any changes to this page and encourage You to review our Privacy Policy regularly to stay informed. If We make changes that materially alter your privacy rights, We will provide additional notice, such as via email or through the Services.


If you disagree with the changes to this Privacy Policy, you should cease interacting with the Services. Contact the applicable Customer if you wish to request the removal of Personal Data under their control.

Contact Us

Please feel free to contact Superior IRA & HSA if you have any questions about this Privacy Policy or Our practices, or if you are seeking to exercise any of your statutory rights. We will respond within a timeframe that is compliant with all applicable regulations.

You may contact us at or at our mailing address below:
Superior IRA & HSA, LLC.
Attn: Risk Management
PO Box 343
Perham, MN 56573

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