Legal & Policies

LAST UPDATED: September 1st, 2024

The Retirement Insider (collectively referred to herein as “we”,“us”,“our”, or “Insider”), respects you and your privacy and the importance of the information you entrust to us. With this in mind, we provide you this privacy policy (the “Policy”) to help you understand the kinds of information we may gather about you when you use TheRetirementInsider.com website (“Site”) or any of our Services, how we may use and disclose the information, and how you can control, correct and/or update the information

By accessing or using the Site or Services, you are accepting the policies and practices described in this Policy. Each time you visit or use the Site or Services, you agree and expressly consent to our collection, use, and disclosure of the information that you provide as described in this Policy. Any capitalized terms not defined herein shall have the meaning as set forth in the Terms and Conditions.

Please note that this Policy does not apply to your use of third-party sites, services, or applications you may access through the Site. We encourage you to review the privacy policies of those third parties for more information regarding their privacy practices.

This policy applies in circumstances where we are acting as a data controller with respect to the Personal Information of users of our Site and/or Services; in other words, where we determine the purposes and means of the processing of that Personal Information.

Information We May Collect

Information You Provide to Us

We collect the information you provide directly to us when using the Services. For purposes of providing the Services to you, we collect certain information that can identify you (“Personal Information”), such as your name and contact information (email, address, company affiliation, and phone number). Personal Information also includes, for purposes of this Policy, the definition of personal data as such term is defined in Article 4(1) of the GDPR.

We will never sell, rent, trade or use your Personal Information other than as specifically needed to provide the Services specifically requested by you. The Retirement Insider discloses Personal Information only to those of its employees, contractors, affiliated organizations and subcontractors that

need to know the information in order to process it on our behalf, and
that have agreed in writing to non-disclosure restrictions at least as strong as those herein.

Information You Provide to Us

When you access or use the Site, we automatically collect information about you, including some or all of the following:

Log Information: We log information about your use of the Site, including the type of browser you use, access times, pages viewed, your IP address, and the page you visited before navigating to the Site. Publicly available tools can sometimes provide the approximate location for IP addresses.
Device Information: We collect information about the computer or mobile device you use to access the Site, including the hardware model, operating system and version, unique device identifiers, and mobile network information.
Information Collected by Cookies and Other Tracking Technologies: We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files stored in device memory that help us to improve the Site and your experience, see which areas and features of the Site are popular, and count visits. We may also collect information using web beacons (also known as “tracking pixels”). Web beacons are electronic images that may be used in the Site or emails and help deliver cookies, count visits, understand usage and campaign effectiveness, and determine whether an email has been opened and acted upon.

We also may collect other types of information in the following ways when you visit the Site:

Details of how you used and interacted with the Site, such as your search queries and how you responded to certain questions.
Device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL.
Our server logs automatically collect information, such as your IP address, your browser type and language, and the date and time of your visit, which helps us track your movements around the Site and understand trends.
Information We Collect From Other Sources
We may also obtain information from other sources and combine that with information we collect through the Services. For example, we may collect information about you from third parties who provide services on our behalf, such as maintaining and monitoring usage of the Site and Services and processing payment transactions.

Cookies

If you leave a comment on our site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for a time. If you log out of your account, the login cookies will be removed.

Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Use of Information

We may use information about you for various purposes, including the following:

Provide, maintain, and improve the Site and Services
Provide and deliver the products and services you request, process transactions, and send you related information
Verify your identity and, if applicable, authorization for you to use the Site and Services
Process payment for Services you order
Manage your account
To prevent or address service, security, technical issues or at your request in connection with customer support matters
Respond to your comments, questions, and requests
Send you technical notices and other administrative messages
Communicate with you about products and services, offered by us or others, and provide news and information we think will be of interest to you
Monitor and analyze trends, usage, and activities in connection with the Site
Conduct research, analysis, and surveys
Personalize and improve the Site and provide content or features that match user profiles or interests
Enforce our Terms and Conditions
Link or combine with information we get from others in connection with the Site
and Carry out any other purpose for which the information was collected.

This policy is not intended to place any limits on what we do with data that is aggregated and/or de-identified so it is no longer associated with an identifiable user of the Site or Services. For example, we may use user data to generate, among other things, statistics about users, their profession or industry, or the demographic distribution of users.

Sharing of Information

We may share or transfer information about you as follows or as otherwise described in this Privacy Policy:

With vendors, consultants, subcontractors and other service providers who need access to such information to carry out work on our behalf, such as picking up and delivering samples, fulfilling form requests, sending email, removing repetitive information from client lists, analyzing data and processing credit card payments, direct marketing services, and cloud hosting services. These parties only have access to such information as necessary to perform their functions and may not use it for any purpose other than to provide services to us
In response to a request for information if we believe disclosure is in accordance with any applicable law, regulation, or legal process, or as otherwise required by any applicable law, rule, or regulation
If we believe your actions are inconsistent with the spirit or language of our user agreements or policies, or to protect the rights, property, and safety of you, us, or others
In connection with, or during negotiations of, any merger, sale of our assets, financing, or acquisition of all or a portion of our business to another company
With your consent or at your direction

Analytics Services

We may allow others to provide analytics services in connection with the Services. These entities may use cookies, web beacons, and other technologies to collect information about your use of the Site, including your IP address, web browser, pages viewed, time spent on pages, links clicked, and conversion information. We and others may use this information to, among other things, analyze and track data, determine the popularity of certain content, personalize the user experience, and better understand your activity.

Retention

We will retain your Personal Information for the period of time that is necessary to fulfill the original purposes for which it has been collected. Please keep in mind that, in certain cases, a longer retention period may be required or permitted by law or to allow us to pursue our business interests, conduct audits, comply with our legal obligations, enforce our agreements or resolve any dispute. The criteria used to determine our retention periods include:

The time needed to provide you with our Services or to operate our business.

Whether your account with us is active. You may contact us to make your account inactive at any time.

Legal, contractual, or similar obligations to retain your data, such as mandatory data retention laws in the applicable jurisdiction, government orders to preserve data relevant to an investigation, or data that must be retained for the purposes of contract or litigation.

Please note that we are not responsible for storing any information that you provide to us or for any content or information that we provide to you. You are solely responsible for retaining backup files of any information and content that you provide or receive in connection with the Site or Services.

Security

We work hard to protect your information and take appropriate commercially reasonable physical, electronic, and other security measures to help safeguard information and data from loss, unauthorized access, alteration, misuse, or disclosure. Our security practices include:

encrypting many of our services using SSL
frequent review of information collection, storage, and processing practices, including physical security measures, to guard against unauthorized access to systems.
We secure access to all transactional areas of our websites and apps using ‘https’ technology.
Access to your Personal Information is password-protected, secured and tokenized to ensure it is protected.
We regularly monitor our system for possible vulnerabilities and attacks, and we carry out penetration testing to identify ways to further strengthen security.
Physical safeguards, with locked doors and file cabinets, controlled access to our facilities and secure destruction of media containing your Personal Information
Technology safeguards, like the use of antivirus and endpoint protection software, and monitoring of our systems and data centers to ensure that they comply with our security policies
Organizational safeguards, like training and awareness programs on security and privacy, to make sure employees understand the importance and means by which they must protect your Personal Information

The Retirement Insider entity does not seek to collect sensitive Personal Information (also known as special categories of data as defined in Article 9 of the GDPR). If we do so we will always collect the data in accordance with applicable data privacy requirements. If you choose to provide us with unsolicited sensitive Personal Information, you will be asked to consent to our processing of such data on a case-by-case basis by using a specific express consent form.

Other Websites

This Privacy Policy applies only to information we collect at and through our Site or Services. The Site may contain links to or embedded content from third-party websites. A link to or embedded content from a third party website does not mean that we endorse that third party website, the quality or accuracy of information presented on the third-party website or the persons or entities associated with the third party website. If you decide to visit a third-party website, you are subject to the privacy policy of the third party website as applicable and we are not responsible for the policies and practices of the third party website. We encourage you to ask questions before you disclose your information to others.

Privacy Policy Changes

We reserve the right to change, modify, add, or remove portions of this Policy at any time and without prior notice, and any changes will become effective immediately upon being posted unless we advise you otherwise. However, we will not use your Personal Information in a way that is materially different than the uses described in this Policy without giving you an opportunity to opt-out of such differing uses. Your continued use of the Site or Services after this Policy has been amended shall be deemed to be your continued acceptance of the terms and conditions of the Policy, as amended. We encourage you to review this Policy regularly.

California Privacy Rights

California law permits users who are California residents to request and obtain from us once a year, free of charge, a list of the third parties to whom we have disclosed their personal information (if any) for their direct marketing purposes in the prior calendar year, as well as the type of personal information, disclosed to those parties. If you are a California resident and would like to request this information, please submit your request in an email to [email protected]

Children Under the Age of 18

The Site and Services are intended for users who are eighteen (18) years of age and older. If you are under the age of 18, you are not permitted to submit any Personal Information to us. If you believe we might have any information from or about a child under 18, please contact us at [email protected]

Transfer of Personal Information; International Visitors

The Site and Services are provided for access and use by persons located in the United States. If you use the Site from outside of the United States, you do so at your own risk. You are solely responsible for ensuring compliance with the laws of your specific jurisdiction, including the specific laws of your jurisdiction regarding the import, export, or re-export of the Services. If you are outside the United States, you acknowledge that by providing your Personal Information, you are: (a) permitting the transfer of your Personal Information to the United States which may not have the same data protection laws as the country in which you reside; and (b) permitting the use of your Personal Information in accordance with this Privacy Policy.

Protecting your data outside the United States

We may transfer Personal Information that we collect from you to third-party data processors in countries that are outside the United States. For example, this might be required in order to fulfill your order, process your payment details or provide support services. If we do this, we have procedures in place to ensure your data receives the same protection as if it were being processed inside the United States. For example, our contracts with third parties stipulate the standards they must follow at all times. If you wish for more information about these contracts please contact our compliance department. Any transfer of your Personal Information will follow applicable laws and we will treat the information under the guiding principles of this Privacy Notice.

For all non-US customers

Your Rights / Options

Access and Control of Your Personal Information

You may request updates, corrections or deletions of Personal Information at any time by contacting us at [email protected].
Whenever you have given us your consent to use your Personal Information, you have the right to change your mind at any time and withdraw that consent.
Access to personal information: you have the right to request what Personal Information we hold about you subject to our right to identity verification. If you request a copy of your data, we may charge you a fee, except where this is not permissible under applicable law.
Correction and deletion: in some jurisdictions, including the EU (according to data protection laws for data subjects in the EU), you have the right to correct or amend your Personal Information if it is inaccurate or needs to be updated. You may also have the right to request the deletion of your personal information, however, this may not be always possible due to legal requirements and other obligations to keep such data. If we are asked to delete your data, we may keep some minimal information about you to be able to demonstrate that we have fulfilled our obligations.
Filing a complaint: In some jurisdictions, including according to data protection laws in the EU for complaints issued from subjects in the EU, you have the right to lodge a formal complaint with a data protection authority.

Marketing Preferences

We may send you marketing communications about our services, via different channels such as email, phone, SMS, postal mailings and third-party social networks, in accordance with relevant marketing laws. When required by applicable law, we will obtain your consent before starting these activities.

Marketing Communications

You may opt-out of receiving marketing communications from us by following the instructions in those communications or by emailing us at [email protected]. In such cases, we will retain minimum Personal Information to note that you opted out in order to avoid contacting you again. Please note that even if you opt-out from receiving marketing communications, we may still send you administrative communications, such as technical updates for our Services, order confirmations, notifications about your account activities, and other important notices.

How to Contact Us

If you have any questions about this Policy or our information practices, please contact us by email at [email protected]