Last Updated: March 12, 2009
Retirement-Income.net (“Retirement-Income”) has created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices.
Javelin Marketing is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build user’s trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the Web site www.retirement-income.net. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.
If you have questions or concerns regarding this statement, you should first contact retirement-income.net at questions(at)Retirement-Income.net. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php TRUSTe will then serve as a liaison with us to resolve your concerns.
Information Collection and Use
Retirement-Income publishes various investment booklets, and newsletters. Users can sign up for free informational booklets, or a free financial plan, from our home page and other areas of the site by providing their first name, e-mail address, phone number, and zip code. When a booklet or free financial plan is requested on the site, all of the information submitted is shared with an affiliated Financial Advisor in your area who does not share our company name. No further communication will come from the site except if we do not have an available financial advisor in your area. In that case, we may notify you when an advisor is available to send your requested information, and ask whether you opt to receive it at that time.
As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.
We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.
We do not link this automatically-collected data to personally identifiable information.
We use both session ID cookies and persistent cookies. A session ID cookie expires when you close you browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.
We set a persistent cookie to track your visits
to the site. Persistent cookies enable us to track and target the
interests of our users to enhance the experience on our site.
Some Retirement-Income advertisers may use “view-through” pixels to track the effectiveness of the promotions they run on Retirement-Income.net. Such pixels may lead to cookies being placed on your computer by these advertisers. Retirement-Income does not have access to any personally identifiable information about you as a result of these cookies and has no access or control over these tracking utilities.
Communications From The Site
You will not receive any communications from the site once your have requested a booklet or newsletter except as described above. All communications via email, phone, or postal mail will come from an affililiated Financial Advisor in your area. If you do not want a financial advisor to continue to contact you, please let the Financial Advisor know of your preferences.
Our site uses forms in which you give us contact information (your name, address, daytime telephone number, and email address) so you can place orders for free financial information that you may find of value to you. Your information will be provided to a local member of our network of Financial Advisers so that your information can be mailed to you from a local source. That Financial Advisor may or may not phone you to inquire if you received the information and have questions. These members are independent contractors and not under our control. Again, if you prefer that the Financial Advisor not to contact you further, please let the Financial Advisor know your preferences directly.
Links to Other Sites
The security of your personal information is important to us.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. 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.
Retirement-Income has security measures in place to protect user information under our company's control against loss, misuse, or alteration. Access to private and confidential data is limited to only those employees with a specific need to retrieve this information. All server systems are located in a secure, limited access facility.
If you have any questions about security on our Web site, you can email us at questions(at)retirement-income.net
Access to Personally Identifiable Information
We provide you the opportunity to ‘opt-out’ of
having your personally identifiable information used for certain purposes,
when we ask for this information. For example, if you request a
booklet or newsletter and if your request cannot be immediately fulfilled,
you can indicate your preference not to be contacted in the future on
our order form by checking the appropriate box at the bottom of the form.
We share your name and email with Zacks Research (www.zacks.com) a global disseminator of financial information if you have opted-in to receive third party offers. The information shared may be used by Zacks Research to contact you via email with related promotional offers or services. You will always be able to opt out of these communications if you desire by contacting Zacks. If you do not wish to have your information shared with Zacks Research, then click the checkbox at the bottom of any form to opt out of this inclusion.
Changes in this Privacy Statement
We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.
Though we make every effort to preserve your privacy we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.
Contacting the Web Site
If you have any questions about this privacy statement you can contact us at the following mailing address: