Last Updated: June 1, 2018

Retirees.io, its subsidiaries, parent, and affiliates (individually “Retirees” collectively “we” or “AdReliance”) respect your privacy. We know that you care about how your personal information is used and shared, and we take your privacy seriously. Please read the following to learn more about our privacy policy. By visiting the Retirees.io web site, submitting information or using any of our products or services, you acknowledge that you accept the practices and policies outlined in this Privacy Policy.

COLLECTION OF PERSONAL INFORMATION

We may collect personal information in order to establish your account, to understand our user base, and to ultimately serve you better. Personal information is information about you which you provide in response to specific information requests on this website and Retirees affiliated online properties that is personally identifiable, such as your name, address, email address, credit card number or phone number.  In addition, we may collect your IP address and other information through the use of electronic “cookies”. For more information about “Cookies,” please see the “Use of Cookies” section below.

We will not willfully disclose any personal information about you to any third party without first receiving your permission, as explained in this privacy statement. Eligibility to purchase the goods or services is not conditioned upon consent. Please note that we do not specifically target children under the age of 13, nor do we knowingly collect, without parental consent, personal identifiable information from such children.

HOW WE USE YOUR INFORMATION

The information we collect is used to comprehensively understand your needs and interests, and permits us to deliver a more consistent and personalized experience. For example, we may use your information to: assist you in completing a transaction or order, communicate with you about services, provide service and support, update you on new services, select content to be communicated to you, and contact you for research regarding our services.  You acknowledge and understand that by using our website and services you agree that you may receive solicitation phone calls in the future from our advertisers or our affiliates who use autodialed and/or pre-recorded telemarketing messages to a residential or mobile phone number that you may provide us.  Your information may be aggregated with other clients’ information on a purely non-identifiable basis.

Credit card information is used solely for payment processing and fraud prevention efforts. Credit card information, and other sensitive personal information required to process a credit decision, is not used for any other purposes by us or our financial services providers, and will not be retained any longer than necessary to provide your services, unless you request that we retain your credit card information to streamline your future purchases.

DO NOT CALL REGISTRY COMPLIANCE

By submitting personal contact information to Retirees through this website or any of its affiliated online properties, you hereby grant written permission to Retirees, its affiliated websites, and its business partners to contact you by telephone, mail, and/or e-mail.  Further, by registering with Retirees through this website or any of its affiliated online properties you are consenting to receive phone calls from Retirees, its affiliated websites, and its business partners for contact via telephone, and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.

USE OF COOKIES

We may use cookies and other technologies to enhance your online experience and to learn about how you use our Web site and services. A “cookie” is a small file containing a string of characters that uniquely identifies your browser. While most browsers accept cookies by default, you can manually set your browser to refuse all cookies, accept cookies from specific Web sites, or highlight when a cookie is sent to your browser. Our servers may also automatically record information when you visit our Web site, including the URL that directed you to our Web site, your IP address, browser type and the date and time of your visit.

We may allow third party business partners to monitor our sites for the purpose of reporting user traffic, statistics, advertisements, “click-throughs” and/or other activities and to set their cookies on your computer, subject to agreement between such business partner and us and subject to such business partner’s privacy policy. Cookies and related monitoring technologies enable us to track user trends, preferences and patterns. We may also receive and record information from your computer and browser, including your IP address, site(s) you visited and keyword searches you conducted on our site(s). The information helps us provide improved services, including customized advertising.

POLICY ON SHARING YOUR INFORMATION

We will not sell, rent or lease your personal information to others. However, we may have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to: (a) satisfy any applicable law, regulation, legal process or legitimate governmental request, (b) detect, prevent, or otherwise address suspected fraud, security or technical issues, (c) enforce any of our applicable policies, including investigation of potential violations thereof, or (d) protect against imminent harm to the rights, property or safety of us, our users or the general public as required or permitted by law.

Retirees may share non-personal and non-personally identifiable information about our users with advertisers, business partners, sponsors, and other third parties. Such non-personally identifiable information may include your IP address, sites(s) you visited and keyword searches you conducted on our site(s). This information may allow such third parties to provide you customized advertising.

CALIFORNIA PRIVACY RIGHTS

Beginning January 1, 2005, under California’s “Shine the Light” law, California residents who provide personal information in obtaining products or services for personal, family, or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) to be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. Although the sharing of information with third parties is already limited in compliance with the California Rules of Professional Responsibility, we have elected the second option. To opt-out of having your information shared with third parties, simply email us at support@retirees.io with the words “Opt Out” in the subject header.

SITES COVERED BY THIS PRIVACY POLICY

Our Web site (blog.Retirees.io) may from time-to-time link to third-party Web sites for your convenience and to provide easy access to additional useful information. Should you select such a link you will leave our Web site. We do not control those sites or their privacy practices, which may differ from our practices and policies. Any personal data you choose to provide to or that is collected by such third parties is not in any way covered by our Privacy Policy. We recommend that you read over such Web site’s privacy policy before providing any personal information. A link to another Web site from our Web site does not constitute an endorsement or representation about the value, quality or usefulness of anything found on that third-party Web site.

ACCESS TO AND ACCURACY OF YOUR INFORMATION

We strive to keep your personal information accurate and up-to-date. To this end we utilize various technology, management processes and policies. As part of our overall data accuracy initiative we provide you with reasonable access to your personal information so you may review and correct your information if needed. To safeguard your privacy and security, we will verify your identity through various means, such as by requiring a password and user ID, before granting access to your data.

We ask that you update your information as and when it changes so any information used to serve you remains as accurate as possible.  You may request that we update or correct your information by emailing our Customer Support at privacy@retirees.io.

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at info@retirees.io. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

KEEPING YOUR INFORMATION SECURE

We value your trust and take it seriously. To prevent unauthorized access and disclosure, to maintain data accuracy, and to ensure the appropriate use of your information, we utilize industry standard physical, technical and administrative procedures to safeguard any personal information which you submit to us that is under our control.  No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

CONSENT TO PROCESSING IN THE UNITED STATES

Retirees website and services are operated in the United States. By providing any information to Retirees, all users, including without limitation, users in the member states of the European Union, Canada or elsewhere outside of the United States, fully understand and unambiguously consent to this Privacy Policy. By using Retirees website or services and/or providing Retirees with your information, you consent and agree to the collection, transfer, storage and processing of your information to and in the United States.

U.S.-E.U. DATA PROCESSING

This section provides additional details to data subjects in the European Union and European Economic Area about our compliance with the General Data Protection Regulation (GDPR). This supplemental policy describes the personal information we collect about individuals (“you”) on our own websites when you visit or provide information to us.

A. PURPOSE OF AND LAWFUL BASES FOR PROCESSING

When you visit our websites, we may collect information about your usage of our websites and any contact information you provide to us for marketing purposes and to improve the effectiveness of our marketing programs. We also allow you to submit information in order to apply for jobs at our company. This may include the following data:

• Name, email address, phone number, address, job title, company affiliation, and other contact information
• Billing information
• Website usage data, like page visits
• Other information you volunteer to us when you contact us, fill out forms on our website, or apply for a job

We process your personal information for these activities:

• Marketing and sales activities through our website, email, and other channels
• Customer relationship management, including billing and technical support
• Recruiting and hiring

The lawful bases for our processing including the following:

• Our legitimate interest for marketing, internal administrative purposes, and market research
• Consent for marketing communication when you request it from us
• To fulfill our contractual obligations to you when you are our customer

B. DATA RETENTION

It is our policy to limit the retention of personal data we collect as long as it is necessary for the purposes stated in this notice.

C. DATA SHARING

When you visit our websites, we use third-party services for hosting, analytics, advertising, customer support, content acceleration, and other promotional purposes, including Google (Analytics, Ad Services, Tag Manager, Hosted Libraries), HubSpot, Salesforce, and others.

The information we collect is not shared with or sold to other organizations for commercial purposes, except to provide products or services you’ve requested, when we have your permission, or under the circumstances described in this policy.

We also contract with third-party service providers, such as virtual hosting infrastructure providers, to host our servers and databases and to provide other services to us. It is our policy to request that our service providers agree not to access or use any information or data they may have access to while providing services to Retirees other than as specified by us and for the purpose for which it was originally collected.

D. DATA TRANSFER TO OTHER COUNTRIES

Storage of this data is not always in your home country and may be transported across borders. As of the date of writing this, we store data in the United States in addition to the country in which it is collected, but we may add additional storage and processing sites without notice.

E. YOUR RIGHTS

We honor the rights that the GDPR provides for individuals:

• The right to be informed
• The right of access
• The right to rectification
• The right to erasure
• The right to restrict processing
• The right to data portability
• The right to object
• Rights in relation to automated decision making and profiling

F. DATA ACCESS, RECTIFICATION, ERASURE, AND OTHER RIGHTS

If you wish to access, correct/rectify, restrict, or delete data collected about you, object to or opt-out of future data collection, or withdraw consent you have provided previously, you may submit a request to the contact info below. You must provide us sufficient information to identify you, verify your identity, and identify the pertinent data and actions you wish to take. We will use commercially reasonable efforts to comply with your request.

We do not process your data in order to perform automated decision making or profiling.

We will investigate and attempt to resolve any complaints and disputes submitted to the contact info below. Please provide reasonable information for us to do so, which may include, but not limited to, your name, contact information and general nature of the complaint.

CHANGES TO THIS POLICY

If and when there are changes to our Privacy Policy, we will post the changes on this page so you are always aware of the information we collect, how we use it, and how it may be disclosed.  Retirees reserves the right to modify the terms of this policy at any time.  We encourage you to periodically review this page for the latest information on our privacy practices.

ASSIGNMENT

In its sole discretion, Retirees may transfer, sell or assign your personal information collected on and through this website and affiliated online properties to one or more third parties, as a result of the sale, merger, consolidation, change in control, transfer of substantial assets, reorganization or liquidation of Retirees.io and/or its affiliated online properties.

CONTACTING US

We value your opinions and suggestions. Please email us with any questions or concerns at support@retirees.io, or you can write to us at the following address:

Retirees

c/o AdReliance

5205 Prospect Road, Ste. 135-108

San Jose, California 95129

By using our site or services, you consent to the collection and use of your information as we have outlined in this Privacy Policy and consent to our Terms of Use. Additionally, if you are using any of our services, we may also collect and use information in accordance with such service’s applicable Terms and Conditions. If you do not agree to the terms of this policy, in whole or in part, you are not authorized to use this website and should terminate registration by following the opt-out located at www.retirees.io/unsubscribe.html. For questions about our policy, please submit your request in writing to privacy@retirees.io.