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Privacy Policy 


The information contained in this video and the related presentation is provided by The Retirement Research Foundation and is offered for educational and informational purposes only. Nothing in this video should be interpreted or construed as legal, regulatory, insurance, tax, or financial planning advice or as an offer to perform services related to any of these fields in any respect. The content of this video contains general information and may not reflect current legal, tax, insurance or regulatory developments or information and is not guaranteed to be correct, complete or current. The Retirement Research Foundation makes no warranty, expressed or implied, as to the accuracy or reliability of this information or the information contained in any referenced website. Viewers of this video presentation should not act or refrain from acting on the basis of any information included in the video without seeking appropriate legal or other relevant advice related to the particular facts and circumstances at issue from an attorney or another advisor duly and properly licensed in the recipient’s state of residence. The Retirement Research Foundation expressly disclaims all liability with respect to actions taken or not taken by the viewer based on any or all of the information or other contents of this video. Any information sent to The Retirement Research Foundation via Internet e-mail or through any referenced web site is not secure and is done so on a non-confidential basis. Should the viewer of this video seek a referral to any service provider, the person to whom such referral is made is solely responsible for assessing the knowledge, skill or capabilities of such provider and neither the presenter nor RRF is responsible for the quality, integrity, performance or any other aspect of any services ultimately provided by such provider or any damages, consequential or incidental, arising from the use of such provider. No Representations This video may contain technical or other errors. The Retirement Research Foundation does not guarantee its accuracy or completeness or suitability. IN NO EVENT SHALL THE RETIREMENT RESEARCH FOUNDATION BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES RELATING TO THIS MATERIAL, FOR ANY USE OF THIS MATERIAL, OR FOR ANY REFERENCED WEBSITE. The Retirement Research Foundation takes no responsibility and makes no warranty whatsoever for the content or information contained on sites or sources of information referenced in the video. All such materials are provided on this video solely for the convenience of users and do not represent any endorsement, advertisement or sponsorship of linked sites or any products or services offered.


Last Updated: October 29, 2019


We care about your privacy and we make protecting your privacy one of our priorities. This

Privacy Policy relates to collecting data, use of data, use of our: websites, forms

(collectively, “Products”) provided by Trager (Trade Name: Nations First Financial), a

Arizona Limited Liability Company and/or any of our affiliates (collectively, “Trager”). By

using our Website, you consent to our methods and procedures described in this policy as

well as our Terms of Use Agreement. In the event that you do not agree with any provision

in our privacy policy, please do not continue to use the Website.


1. Collection of Personal Information.

In the event that you decide to purchase our Products, we will collect and store your billing

and credit card information. In addition, Trager may collect your personal information

including but not limited to your e-mail address, name, physical address and telephone

number as well as demographic information. Unless the customer is a paying customer,

Trager reserves the right, in its sole discretion, to delete customer’s information at any time.

Information about your computer may be automatically collected by Trager including, but

not limited to your: IP address, browser type, domain names visited, access times and

referring website addresses. Trager uses this information for operations, quality control and

statistical feedback. If you disclose your personal information through the Website, it

may be collected by others. You may want to review the privacy statements of any Products

you click on from our website. Their information collection and use policy may be different.

Trager is not responsible for the privacy statements or any other content, services or

Website on third-party Products.


2. Personal Information.

Use Trager collects and uses your information in order to operate our Products and provide

any Products that you request. In addition, your information may be used by Trager to

inform you of other products or services available from Trager and its affiliates in which you

might be interested or ask you to participate in research surveys regarding the Products.

Trager will not sell, rent or lease its customer lists to third parties. However, Trager may

contact you on behalf of its business affiliates about a particular product or service. No

personal information is transferred to such an affiliate without your consent. Trager may share

your information with third parties who provide services, such as customer support, or

deliveries, but in such cases, the third parties are forbidden to use your information except

to facilitate providing the Products you request. Trager tracks page visits of customers in

order to be able to deliver our Products, other customized content, and advertising within the

Products. In addition, other parties who perform data analytics for Trager, such as Google

Analytics, may collect personally identifiable information about your online activities when

you use our Products. Trager makes no representations about any third party data

collection mechanisms. Trager only shares browser-level data through third party vendor

tracking such as Google Analytics. Users can opt-out of these advertising features by

visiting Google or resources like the NAI consumer opt-out page. Trager may use email

addresses to target users with custom ads through 3rd party advertising platforms. Trager

shares customer information with third parties to perform services on our behalf. Trager

may disclose personal information if we believe it is required or appropriate, such as to

comply with the law, to collect funds owed to us, to protect our users, or in the event of an


emergency. Finally, Trager may disclose personal information as part of a business

transaction or in the event of bankruptcy or insolvency if such information is considered a

business asset. Trager will do its best to inform customers if such an event transpires,

however, there may not be a chance to opt-out in such a case.



3. Cookies.

Trager may use “cookies” to optimize your experience with our Products. A cookie is a text

file that is placed on your hard drive, but it may not be used to run programs or deliver

viruses to your computer. Cookies are uniquely assigned to you, and when you return to our

website, the information you previously provided can be retrieved, so you can continue to

use any Products that you previously customized. You may accept or decline cookies by

modifying your browser settings. If you decline cookies, the use of the Products may not be




4. Security.

You are solely responsible for preventing unauthorized use of your user information

including your password. You agree that you are responsible for any activity under your

account whether you authorized such activity or not. You agree to immediately notify Trager

of any unauthorized use of your account. Trager secures the personally identifiable

information you provide on its servers in a controlled and secure environment that is

protected from unauthorized access, use or disclosure. Trager encrypts account information

during transmission to other websites using protocols such as Secure Socket Layer (SSL).



5. Children Under Eighteen (18) Years of Age.

Our Products are not intended for use by children under the age of 18, and such use is

prohibited by our Terms of Service. We do not knowingly collect personal data from children

under 18. If you become aware that a child has provided us with personal information,

please contact us immediately.



6. Changes and Amendments to this Privacy Policy.

Trager may amend the provisions of this Privacy Policy at any time and will post the most

recent version on our website.



7. Contact Information.


Trager welcomes your comments regarding this Privacy Policy.


To Contact Us at any time, feel free to either call 1(480) 981-7557,


For additional information, please review our Terms of Use.




We are Licensed Insurance Agents



The following terms (the “

Additional Terms

”) are hereby incorporated by this

reference into any agreement between Blairlee LLC, d/b/a (the


”) and you (the “

Primary Agreement

”) if so noted in the Primary



Integration with the Primary Agreement

. You and the Company agree

that these Additional Terms are to be read consistently with the terms of the

Primary Agreement whenever possible, but that if a conflict exists between these

Additional Terms and the Primary Agreement, the terms of the Primary Agreement

shall control. References to the “Agreement” in either the Primary Agreement or

these Additional Terms shall refer to both the Primary Agreement as supplemented

by these Additional Terms.


Additional Fee Payment Provisions

. If payment under this Agreement

is not provided within five (5) days of the due date, (a) interest on the unpaid

amounts will accrue interest at eighteen percent (18%) per year until paid in full, or

the highest rate permitted by law whichever is lower, and (b) your rights hereunder

will be suspended until full payment is made. Coach’s standard rates for services

are available upon request. Those rates may change from time to time and are not

necessarily the lowest rate charged to others. You also acknowledge that the

Company may receive compensation for referrals of potential clients or of you to

other professionals, whether or not affiliated with the Company, and that you shall

have no interest in any portion of that compensation, nor shall those payments

reduce amounts owed by you pursuant to this Agreement.


Operation of the Marketing Program and Related Activities

. Due to the

myriad regulatory requirements governing your and the Company’s activities, you

agree to operate the Marketing Program in full compliance with applicable legal

requirements as well as those governing your profession. You further agree to

include terms and conditions in your Marketing Program and any agreement with

your customers substantially similar to those contained on

Appendix A

to these

Additional Terms, which is incorporated into the Agreement by this reference, in

addition to any other disclosures required by law or your profession’s regulatory



Information on Referrals

. You agree to advise the Company on a

monthly basis and as requested by the Company as to the number of appointments

you have received from the Marketing Program. You shall also provide to the

Company information on the potential clients generated from the Marketing

Program who have been referred by you or your affiliates to mortgage brokers,

insurance agents or real estate professionals and to which professionals they were




Additional Provisions Regarding Warranty Claims

. To receive the

extended services pursuant to the limited warranty, you must advise Coach in

writing of the number of appointment requests and sales actually achieved during

and resulting from the Marketing Program within five days following the end of the

initial 90-day term. You agree to provide Coach with full access to your books and

records, including your computer mail system, to ascertain whether the

performance thresholds hereunder have been achieved. If it is determined that

either of those performance levels had been achieved, you will be responsible for

full payment for the extended services and for Coach’s costs incurred in

undertaking that investigation and in resolution of the warranty claim.



. You approve the disclaimers included in



and agree that those provisions are incorporated into this Agreement by this

reference, with references to the Company meaning Blairlee LLC and references to

“you” meaning you. Accordingly, those provision shall govern your rights with

respect to the Company.


Governing Law and Jurisdiction/Limitation of Liability

. This Agreement

shall be governed by and construed exclusively in accordance with the laws of the

State of Arizona, without regard to its conflicts of laws provisions. In the event of

any dispute between the parties, the prevailing party shall be entitled to reasonable

attorneys’ fees and costs in addition to any other relief granted; further, the parties

agree to submit any dispute to mediation in Maricopa County, Arizona. If the

mediation is not successful, any disputes shall be filed in the state or federal courts

located in Maricopa County, Arizona, which courts shall have exclusive jurisdiction

of the parties. Each party hereby submits to the exclusive jurisdiction of those



CONTEMPLATED BY THIS AGREEMENT. You acknowledge and agree that the

Coach’s remedies at law for a breach or threatened breach of any of the provisions

would be inadequate. You therefore agree that in the event of a breach or

threatened breach of your obligations under this section, in addition to any

remedies at law, Coach shall be entitled to pursue equitable relief in the form of

specific performance, a temporary restraining order, a temporary or permanent

injunction or any other equitable remedy which may then be available, without the

necessity of showing actual monetary damages or deposit of any bond. In no

circumstances shall Coach be liable for indirect, consequential, special, punitive, or

exemplary damages, even if it has been advised of the possibility of those

damages. In no event shall Coach’s liability to you exceed any cash payments

made by you to Coach pursuant to this Agreement during the preceding six months

of this Agreement.


General Provisions

. This Agreement represents the entire agreement

of the parties and replaces any other agreements, promises or communications

between them on or prior to the date of this Agreement. This Agreement may only


be modified by a written agreement executed by each of the parties. This

Agreement may be executed in counterparts and together they represent one

agreement. Counterparts may be delivered by e-mail or similar electronic means

and shall be effective as if a signed original had been delivered at that time. This

Agreement shall inure to the benefit of and be binding on the parties and their

successors and assigns. You shall not assign your rights under this Agreement

without the prior written consent of Coach. Failure of Coach to exercise any right or

option arising out of a breach of this Agreement shall not be deemed a waiver of

any right or option with respect to any subsequent or different breach, or the

continuance of any existing breach.


Appendix A

Terms and Conditions To Be Included

In Marketing Programs and Customer Agreements

The following terms shall be incorporated by you into your Marketing

Program. These terms are not intended to address all terms and conditions

you may seek to include and you may incorporate the substance of these

provisions into your general terms and conditions or contracts in different

formats and arrangements so long as the substance of these items are all

included. Any substantive omission of the following terms must be approved

by the Company, and you shall be charged for any counsel charges incurred

by the Company in review of your terms and conditions if substantively

different from the following.



The information contained in this video and the related presentation is

provided by [

insert your company name

] and its personnel or agents

(collectively, the “


”) and is offered for educational and informational

purposes only. Nothing in these materials should be interpreted or

construed as legal, regulatory, insurance, tax, or financial advice. Individual

circumstances may vary, so you should consult with your own personal

advisors to determine if this solution is appropriate for your situation before

deciding whether to act upon the information presented.

These materials contain general information and may not reflect current

legal, tax, insurance or regulatory developments or information and is not

guaranteed to be correct or complete. The Company makes no warranty,

expressed or implied, as to the accuracy or reliability of this information, the

information contained in any referenced website or provided by any others,

including by sources to whom we may refer you. The Company expressly

disclaims all liability with respect to actions taken or not taken by you or

others based on any or all of the information or other contents of these


The Company is under no obligation to perform services on your behalf. It

may elect to do so on terms you and the Company agree upon. The

Company may also refer you to other companies, some of whom may be

affiliated with the Company, to perform services on your behalf. Those

affiliated and non-affiliated other parties could include insurance agents,

mortgage brokers and other professionals. The Company shall have no

liability for the quality, integrity, performance or any other aspect of any

services ultimately provided by any referral source. All materials or referrals

provided by the Company are presented solely for your convenience and do

not represent any endorsement, advertisement or sponsorship of linked sites


or any products or services offered. You shall be solely responsible for

assessing the knowledge, skill and capabilities of those providers to see if

they are qualified and appropriate for your situation.

The Company shall have no liability for any damages of any kind, including

actual, special, consequential, lost profits, punitive, or incidental damages

arising from your use of the information presented by the Company, for the

actions or inactions of any referral source or other third-party, or for any

other matter or thing arising between the Company (or any of its personnel

or agents) and you or your associates.

Any engagement of those referral sources shall be directly between you and

those third-parties, and the Company shall not be a party to those

arrangements, notwithstanding any referral to them by the Company. You

should understand, however, that the Company may receive direct or indirect

compensation from those third-parties if permitted by law, in exchange for

that referral.

Any information sent to the Company via Internet e-mail or through any

referenced web site is not secure and is done so on a non-confidential basis.

You assume the risk of third-party intrusion into the methods of

communication and the Company shall have no liability for that access.

The Company may share information provided by you with its affiliates and

other potential referral sources. You hereby grant permission to the

Company to do so. More information on our Privacy Policy can be found above

Copyright 2020 by nations first. All rights reserved.


Operation of the Program

. The Company may include other provisions for

the operation of the Marketing Program in its discretion.



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