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Privacy Policy

Last revised: 9/29/2022


Athena Consulting LLC dba Athena Actuarial Consulting (also referred to below as “Athena”, "we", "us" and "our") is a privacy conscious organization. This Privacy Notice explains how we protect information about you that we may collect when you use or otherwise access the Web pages of the website (collectively, the "Website"). By using the Website, you agree to the collection and use of such information in accordance with this Privacy Notice. 

Information Collection

We collect the e-mail addresses of those who communicate with us via e-mail, user-specific information on what pages consumers access or visit and information volunteered by the consumer, such as survey information and/or newsletter registrations. 

Log Information, Cookies and Web beacons

The Website collects standard Internet log information including your IP address, browser type and language, access times and referring website addresses. To ensure that the Website is well managed and to facilitate improved navigation, we or our service provider(s) may also use cookies (small text files stored in a user's browser) or Web beacons (electronic images that allow us to count users who have accessed particular content and to access certain cookies) to collect aggregate data. 

Information use

We collect and use your personal information with your consent to provide you with access to the Website or where we have a legitimate business interest in, or other legal basis for, such collection and use. The personal information you submit to us may be used to manage our relationship with you, including any of your requests, or to customize or improve the Website and related services offered to you.

We may also use your personal information for marketing purposes, or to send you promotional materials or communications regarding services provided by us that we feel may be of interest to you. We may also contact you to seek feedback on services provided by Athena or for market or other research purposes. 

You may at any time request that we discontinue sending you Communications, emails or other correspondence by unsubscribing to said correspondence. 

Disclosure of Information to Third Parties

Personal information may be disclosed to law enforcement, regulatory or other government agencies, or to other third parties, in each case to comply with legal, regulatory, or national security obligations.

By providing information through the Website, you are consenting to the disclosures described above.

Any personal information that we have referenced above under “Information collection” may be disclosed to the third parties identified in this section for the purposes set forth herein.

Selling of information

We do not sell your personal information that is collected under this Privacy Notice.

Blogs, Forums, Wikis and Other Social Media

The Website may host various blogs, forums, wikis and other social media applications or services that allow you to share content with other users (collectively Social Media Applications). Any personal information or other information that you contribute to any Social Media Application can be read, collected and used by other users of that Social Media Application. We do not have any control over such users. Therefore, we are not responsible for any other user's use, misuse or misappropriation of any personal information or other information that you contribute to any Social Media Application.

Privacy Practices of Third Parties

This Privacy Notice only addresses the use and disclosure of information collected by Athena through your interaction with the Website. Other websites that may be accessible through links from the Website, have their own privacy statements and personal information collection, use and disclosure practices. We encourage you to familiarize yourself with the privacy statements provided by these other parties prior to providing them with information.

Information Retention

We retain personal information as necessary for the duration of the purpose outlined in this Privacy Notice. Notwithstanding the duration of the purpose, we may retain your information if necessary to comply with our legal or professional obligations, enforce our agreements, or resolve disputes.

Rights to Access and Control Your Personal Information

If you choose to register with the Website, you may access your user profile, correct and update your details, or unsubscribe at any time. If you decide that you no longer wish to have your third- party social network site account (e.g., LinkedIn, Facebook, or Twitter) linked to your profile on the Website, you may change your account settings at any time. 
Depending on the jurisdiction in which you are located, you may have the right to request that we modify, delete, or stop processing your personal information, and you may also have the right to request that we provide the following information regarding the personal information we hold about you:

•    The categories and/or specific pieces of personal information we collected
•    The categories of sources from which personal information is collected
•    The business or commercial purpose for collecting personal information
•    The categories of third parties with whom we shared personal information

To exercise any of your rights under applicable law described above regarding your personal information, email us at When emailing us, please provide your full name, mailing address, email address, and information about the type of specific request.
Applicable laws may also give you the right to lodge a complaint with a local supervisory authority related to this Privacy Notice.

We will not discriminate against you for exercising any of your rights with respect to your personal information.

Verification of Personal Information Request

For certain personal information requests, we must first verify your identity before processing your request. To do so, we may ask you to provide us with your full name, contact information, and relationship to Athena. Depending on your request, we may ask you to provide additional information. Once we receive this information, we will then review it and determine whether we are able to match it to the information Athena maintains about you to verify your identity.

Third Party Requests

If you are submitting a personal information request on behalf of someone other than yourself, please contact us at and include proof that you are authorized to make the request. 

Special Notices to California Residents

If you are a California resident, you are entitled to request information concerning any personal information you provide to us as part of an established business relationship for personal, family, or household purposes that we disclose to nonaffiliated third parties for their direct marketing purposes. We do not share such personal information with nonaffiliated third parties for such purposes.

Do Not Track

"Do Not Track" is a preference you can set in your Web browser to let the websites you visit know that you do not want them collecting information about you. The Website does not currently respond to a "Do Not Track" or similar signal. We do not engage in the collection of personal information about your online activities over time and across third-party websites or online services to provide targeted advertising and we do not allow third parties to collect such personal information when you use the Website.

Information Security

We have in place technology and operational standards to protect all personal information provided by users via the Website, from unauthorized access, disclosure, alteration or destruction.

Children's Privacy Protection

We understand the importance of protecting children's online privacy. The Website is not designed for or intentionally targeted at children under the age of 13. It is not our policy to intentionally collect or maintain information about anyone under the age of 13. If we obtain actual knowledge that we have received such information, we will take steps to delete it.

Changes to our Privacy Notice

In addition to describing our current privacy practices, this Privacy Notice also describes the categories of personal information we collected, disclosed, or sold during the preceding 12 months. We may modify or amend this Privacy Notice from time to time at our discretion. When we make changes to this Privacy Notice, we will amend the revision date at the top of this page and such modified or amended Privacy Notice shall be effective as to you and your information as of that revision date. We encourage you to periodically review this Privacy Notice to view any updates.

Contact Information

If you have any questions or concerns regarding your privacy while using the Website, please contact us at

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