By using eRetirements’ Site and/or Services, you agree to this Policy. If you do not accept this Policy, you must not use the Site and/or Services.
You may browse the Site and/or Services without providing any personal information. However, some features of the Site and/or Services require registration to use. When you register you will be asked to give us contact information, such as your name and email address. In addition, in the course of using our Site or Services, you may provide us with other personal information, including but not limited to by completing self-assessment surveys. Your personal information will be used primarily in connection with operating and facilitating the services provided by and through the Site and the Services, including contacting you so that we may provide the services you have requested or respond to your requests for information or customer service. This information may also be used to send you updates regarding our company or to share with you other services or benefits that may be of interest to you.
You also may give us permission to access your information in other services. If you connect to the Site and/or Services using your Facebook or other third-party service credentials (each, a “Supported Platform”), you authorize us to collect your authentication information, such as your username, encrypted access credentials, and other information that may be available on or through your Supported Platform account, including but not limited to your name and profile photo. You may also grant us permission to post links to Site content on your profile on a Supported Platform. The information we get from Supported Platforms and whether we are able to post to your Supported Platform profile may depend on your settings or their privacy policies.
We do not collect or have access to any user financial information, even though we may request information about yourself and your credit card and/or bank account. That financial information is handled, processed, and stored by a third party payment service, which facilitates credit card payments in order to purchase a product through the Site. We believe that any such third party payment services take the privacy of your personal information seriously and will use your information only in accordance with the terms of their privacy policies.
Other Information eRetirements Collects
eRetirements may collect certain information from visitors of the Site and/or Services, such as Internet addresses and other web log information (such as your web request, Internet Protocol (“IP”) address, browser type, browser language, referring / exit pages and URLs, platform type, number of clicks, domain names, landing pages, pages viewed and the order of those pages, the amount of time spent on particular pages, the date and time of your request, and one or more cookies that may uniquely identify your browser). This information is logged for internal use by eRetirements, including helping diagnose technical problems and to administer the Site and Services in a manner that allows us to constantly improve the quality of the services provided to you. We may also maintain a record of your IP address, to analyze the use of our Site and Services on an aggregate basis. eRetirements is the sole owner of information collected on the Site and Services. We reserve the right to screen, copy, transmit and review all communications conducted by or through the Site and Services. We may conduct these activities for technical support purposes and in order to enforce our policies and agreements. At our sole discretion, we may decide to conduct these activities at various times or not at all.
We also may use your information to accomplish the following: (i) perform research and analysis about your use of, or interest in, our products, services, content, products, services or content offered by others; (ii) communicate with you by email about products or services that may be of interest to you either from us, other companies or other third parties; (iii) develop and display content and advertising tailored to your interests on the Site and other sites, including providing our advertisements to you when you visit other sites; and (iv) perform ad tracking and website or mobile application analytics.
eRetirements may use “cookies” to monitor visitors browsing our website. Cookies allow the server to store its own information about a user on the user’s own computer. They can be used to customize pages for you based on information you may have provided to our website. Cookies may help us better serve you with information tailored specifically for you and for your return visit to the Site. Cookies are a typical part of web browsing today. Many websites that require you to type a password prior to entering a website use a cookie to facilitate the action. Additionally, many sites that do not require passwords also collect and utilize cookies. Because there is not yet a consensus on how companies should respond to web browser-based or other do-not-track ("DNT") mechanisms, we do not respond to web browser-based DNT signals at this time.
Disclosure of Information to Advisors
When you speak with an Advisor you are introduced to via the Site, you may be asked to share your personal information with the Advisor. You understand that all information is subject to the Advisor’s professional, ethical, and legal duties of confidentiality and responsibility, which are not monitored nor controlled by eRetirements. You understand that by choosing to contact an Advisor, you are solely responsible for any information you choose to share with such Advisor.
While eRetirements uses industry-standard Secure Socket Layer (SSL) encryption technology, no system can be completely secure. Therefore, eRetirements does not promise, and you should not expect, that such any content or information you submit to the Site or Services may not be inadvertently collected and that any such content or information will remain secure.
The information you provide to us will be kept in our database. We will use reasonable means to protect the integrity and safety of the database. However, we cannot guarantee that third parties will not improperly access the database. eRetirements relies on third party professional hosting solutions that use reasonable care in maintaining security measures to protect you and our systems against unauthorized access to, or alteration, disclosure, destruction or loss of personal data hosted on our system.
Your password is the key to your account. Use unique numbers, letters, and special characters and do not disclose your eRetirements password to anyone. If you do share your password or your personal information with others, remember that you are responsible for all actions taken in the name of your account. Therefore, if your password has been compromised for any reason, you should immediately notify eRetirements and change your password.
Correcting, Sharing & Updating Your Information
eRetirements allows you to view the information you have provided after registration and to correct any inaccuracies or errors that may exist in the data, however it is solely your responsibility to do so.Shouldyou engage in any communications using the Site and/or Services, you bear the sole responsibility as to the substance, character, and nature of the information you provide during any such use. In addition, if you do not wish to furnish any information, then you should not do so.
You understand that if you engage in any form of communication with an Advisor or any user using the chat, email, discussion forums or other communication facilities, functions, or software provided by and through the Site and/or Services, you may voluntarily provide, or otherwise be asked to provide, certain personal information, including without limitation your name, location, income, and other information requested by an Advisor or other user, or otherwise to enable you to participate in the Site and or Services. eRetirements strongly encourages you to exercise caution and to use reasonable judgment in providing any personal information, including financial information, to any Advisor or other user, and eRetirements will not be held responsible for the manner in which any Advisor or other user uses such information.
eRetirements may from time to time, maintain transcripts of any such chats, emails, discussion forum threads, and other communications conducted between you and an Advisor or other user using Site and/or Services.
Our Disclosure of Your Information
In addition, we may disclose your personal information to third parties and the performance of the related services, including to service providers who help with our business operations. We may disclose your personal information to enforce our agreements and policies or respond to claims that information submitted or other content or submissions violates applicable laws or regulations, the rights of others, or to protect anyone’s rights, property, or safety. We also may disclose your information to respond to legal requirements or when we believe in good faith that the disclosure of information is necessary to prevent imminent harm or financial loss or to report suspected illegal activity. We may use our discretion to disclose your information under appropriate confidentiality conditions in connection with merger, acquisition or sale of asset or business activities involving our company or its affiliates. We may disclose non-personally identifying information (including, without limitation, aggregated information) as we believe is reasonable in connection with our business. This information will not identify individual users. Information collected through the Site may be stored and processed in any countries in which our service providers or we maintain facilities, including outside of the European Union. You therefore understand and consent that your information may be transferred outside of the country in which you reside.
Changes to the Policy
eRetirements reserves the right to replace, modify or amend this Policy from time to time by posting the replaced, modified, or amended terms on the Site, so we recommend that you review this Policy from time to time. Your use of any Site and/or Services following any change to this Policy shall represent your consent to the new Policy to the fullest extent permitted by law.
eRetirements requires that all users be 18 years of age. The Site and Services are therefore not directed to children under the age of 18, and we do not knowingly collect personal information from children under 18. If you are under 18 years of age, do not use the Site and Services and do not provide any personal information to us. If we discover that a child under 18 has provided us with personal information, we will delete it.
Under California Civil Code sections 1798.83-1798.84, residents of the state of California are entitled to request eRetirements to provide a statement or notice setting forth what categories of personal customer information eRetirements shares with third parties or corporate affiliates for such third parties’ or corporate affiliates’ marketing purposes. Such notice or statement shall identify the categories of information shared and will set forth the third parties and affiliates with which such information was shared, along with their names and mailing addresses. If you are a California resident and would like a copy of this notice or statement, please submit a written request to the email address below.
In the event that all or substantially all of eRetirements’ assets have been acquired, or in the event of any merger, bankruptcy or reorganization involving eRetirements, all information about you and your use of our services will likely be included in the acquired or merged assets.
If you reside in the European Union or other jurisdictions with laws governing data collection, privacy, and/or use, please note that you are transferring your personal data to the United States to eRetirements and that U.S. rules governing data collection, privacy, and/or use may be less restrictive. By providing your personal data to eRetirements you consent to that transfer.
From time to time, eRetirements may use your information for new, unanticipated uses not previously disclosed nor described in our Policy. If our information practices change regarding information previously collected, eRetirements will make reasonable efforts to provide notice and obtain consent to any such uses as may be required by law.