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The privacy of your personal information is very important to us. We are committed to maintaining the highest level of confidentiality with all of the information we receive through our websites and social media accounts [collectively referred to herein as our “website”]. We understand that keeping your information secure and confidential is critical to earning and keeping your trust. Our Privacy Policy describes the types of information that we collect, how we use it and how we protect it.

By using and continuing to use our website and/or services, or otherwise providing us with personal information, you agree to be bound by the terms and conditions of this Privacy Policy, as it may be amended from time to time.

If you have any questions about this Privacy Policy, please email us at info@retiresmarterinc.com.

WHEN YOU VISIT OUR WEBSITE
When you visit our website, we may place a cookie on your device so that our system can recognize you when you make a return visit. Cookies are small pieces of data that are stored on your computer, mobile phone or other device. Along with cookies, we may also use third-party tracking technology, such as, but not limited to, Google Analytics, to record similar information regarding you and your activity on our site. We use these technologies to keep track of your preferences and improve your experience with the site. Cookies and similar technologies are required for site functionality. You are not required to accept any cookies to use this site. However, refusing to accept cookies will greatly impair your ability to use some areas.

To enable us to continually improve the content we offer our website visitors, as well as for administration purposes, we collect aggregate information site-wide. This gives us an idea of which parts of our website you are visiting. We do not link IP addresses to personal information, which means a visitor’s session will be tracked, but the user’s personal identity will remain anonymous… and we do not take any action to comply with ‘do not track’ signals.

INFORMATION GATHERED FROM VISITORS
We collect certain information from you in order to provide you with the best online experience possible. We collect information that you input into our website, as described under “Information Gathered from Clients” below. We also use your IP address to recognize you when you make a return visit and to gather demographic information that helps us understand how you and other clients use our website.

INFORMATION GATHERED FROM CLIENTS
When you register to create an account with Retire Smarter, we will collect certain personal information, including your name, email address and potentially other information. The information you provide to us may be shared with our partners for the purpose of allowing us to provide services that are suitable to you.

HOW WE USE YOUR PERSONAL INFORMATION
Retire Smarter uses personal information and other collected information in a manner that is consistent with this Privacy Policy. We use your personal information to enhance our clients’ experience, operate and maintain your account in accordance with US law, investigate and understand how Retire Smarter is used, monitor and protect the security and integrity of Retire Smarter, and better market and advertise our services.

As part of our process, we may from time to time include, compile or aggregate some of your personal information in certain data analysis, reports or other interpretations of investment trends for both internal and external purposes. When including, compiling or aggregating personal information for such purposes, we make sure that the information is anonymized such that it is not identifiable to any particular client.

Additionally, we may use your personal information to contact you regarding our own services or resources that we think may be of interest to you. If you no longer wish to receive our marketing communications, please click the “unsubscribe” link that can be found at the bottom of each email message.

INFORMATION SHARING
We will not rent or sell personal information to third parties, and we will not otherwise disclose personal information to third parties, without your permission, except as disclosed in this Privacy Policy.

In order to provide financial services, we might establish a business relationship with other persons or entities for the purpose of serving you as a client (“Service Providers”), such as consumer identification verification services and public accounting firms. We also may disclose some of the personal information we collect to Service Providers to provide other services including Web hosting, data processing, analytics tools, data management and Web development. We generally require that each Service Provider implement and maintain privacy practices are consistent with our own.

In certain instances, we may disclose your personal information when we have reason to believe it is necessary to identify, contact or bring legal action against persons or entities who may be causing injury to you, to Retire Smarter or its affiliates, or to others. We may also disclose your personal information when we believe the law or legal process requires such disclosure.

We also may share personal information with entities controlling, controlled by, or under common control with Retire Smarter. In the event that Retire Smarter is part of any merger, acquisition, change of control, or in the event of a transfer of the website and related assets, we may disclose or transfer your personal information and non-personal information in connection with such transaction.

We may also disclose personal information in specific other cases with your consent. Retire Smarter advertises our services on websites not affiliated with Retire Smarter, and we contract with third-party advertising companies to display our ads. These third-party advertising companies, along with data exchanges and similar providers, may use cookies and similar technologies to collect technical and web navigational information, such as device type, browser type, IP address, and pages visited. We do not provide any information to these advertising companies that could personally identify our users or clients, and they do not collect such information for us.

Retire Smarter and third-party advertising companies may use the data they collect to provide you with ads relevant to you and personalized content while you are on Retire Smarter or other sites. If you prefer not to receive targeted advertising, you can opt out of some network advertising programs that use your information by visiting the NAI Opt-Out Page. Please note that even if you choose to remove your information by opting out, you will still see advertisements while you are browsing online. Additionally, many network advertising programs allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. The NAI Opt-Out Page provides a tool that identifies its member companies that have cookies on your browser and provides links to those companies.
Because mobile devices may vary in how they operate and may not use cookies, the choice management options listed above may not work for all mobile devices and mobile apps.

OPT-OUT NOTICE
If you prefer that Retire Smarter not disclose non-public personal information about you to unaffiliated third parties, you may opt-out of those disclosures by contacting us at info@retiresmarterinc.com and directing us not to make any disclosures [other than those required by law].

You may opt out of these disclosures at any time. This opt out, by law, will not apply to disclosures that are legally permitted, disclosures to other financial institutions that have joint marketing agreements with Retire Smarter, disclosures we make to organizations that perform services on our behalf or organizations that process or service transactions you request and/or authorize. Once we receive your opt out request, we have a reasonable amount of time to stop the disclosures. You may contact us for assistance if you wish to rescind your opt out election at any later date.

PROTECTING CHILDREN’S PRIVACY
Our service is not directed to individuals under the age of 18 and, as such does not knowingly collect personal information from anyone under the age of 18. Children should not provide Retire Smarter with any personal information. If a parent or guardian becomes aware that his or her child under the age of 18 has provided us with personal information, please contact us at info@retiresmarterinc.com.

HOW TO ACCESS AND UPDATE PERSONAL INFORMATION
You can access your personal information by emailing us at info@retiresmarterinc.com. Please note that even if we close your account, we may retain and use your personal information as necessary to comply with our legal obligations, resolve disputes and enforce our agreements.

SECURITY
Retire Smarter is committed to protecting the personal information you entrust to us and we use industry standard safeguards to protect your data. Please understand that the internet is not a completely secure channel of communication. Unless the specific access location says otherwise, messages sent to or from this website may be accessed by unauthorized users. To protect your privacy, please do not use email to communicate information that you want kept confidential.

We do not guarantee or warrant that any part of this website, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as the use of anti-virus software, to protect your computer hardware and software while using the Internet.

POLICY UPDATES
Please review this Privacy Policy frequently as it may change at any time at Retire Smarter’s sole discretion. If the changes are significant, you will be notified on the Site and/or via email. Please check the effective date below to determine if there have been any changes since you have last reviewed our Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

NOTICE TO CALIFORNIA RESIDENTS
California law grants residents the right to request from us certain information with respect to the types of personal information we share with third parties for those third parties’ direct marketing purposes and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year. Retire Smarter does not currently share information about you with any non-affiliated third party that triggers this consent requirement. To exercise your rights, you may make one request each year by emailing us at info@retiresmarterinc.com. Your request should specify your full name and the email address you used when submitting personal information to us.

Our Privacy Notice and Legal Notices change from time to time. We recommend that you review these notices periodically for any changes. This notice was last updated January 2020. If you have any questions about our policies, write to us at • PO Box 53194 – Atlanta, GA 30355.

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