This Privacy Statement applies to information that website visitors transmit to
Retirement in a Nutshell, Inc. ("RETIREMENT IN A NUTSHELL") through this website,
www.retirementinanutshell.com. Our website allows visitors to learn About Us and
its products and services ("Visitors"). Our website is also used by RETIREMENT IN
A NUTSHELL's Clients to access RETIREMENT IN A NUTSHELL's cash flow and retirement
planning tools and reports("Clients"). Visitors and Clients may submit non-public,
personal information through this website. We have developed this Privacy Statement
to set forth our policies and practices regarding our use and disclosure of such
non-public, personal information submitted through our website.
1. Gathering and Use of Information
a. General Visitors to our Site.
RETIREMENT IN A NUTSHELL collects information voluntarily provided from our Visitors
through our website. However, we do not require Visitors to submit personal information
to obtain general access to our website. Information that is collected is used in
the aggregate to improve our services and to better serve client's software needs
by providing RETIREMENT IN A NUTSHELL with valuable information about interests
in our products and services. Certain pages of RETIREMENT IN A NUTSHELL's website
contain forms that allow a Visitor to request information about our services and
solutions. In completing a form, you may be required to provide contact information,
such as name, phone number and email address. Please note that any information submitted
implies consent for use of the information, and RETIREMENT IN A NUTSHELL may use
the information from these forms to respond to requests and send information requested.
RETIREMENT IN A NUTSHELL will not rent, sell or disclose the information collected,
including email addresses, to third parties. If you elect to subscribe to our services,
you will be required to complete a Subscription and Use Agreement. We ask for your
credit card and billing information. Billing information is used to verify your
credit card information. We use Authorize.net to bill your credit card for the subscription
fee. Authorize.net is a well-known company that specializes in secure, online credit
card processing.
b. Clients Use of our Site.
Upon completing the subscription enrollment process, you will have access to RETIREMENT
IN A NUTSHELL's retirement planning tools as a client. Use of the tools may involve
the submission of non-public, personal or client information. We have purposely
designed the site to minimize the types of personal information that are ordinarily
targets of theft or misuse. In the course for completing client reports on the website,
we do not request Social Security Numbers, personal account numbers, birthdates,
addresses, or phone numbers. Additionally, we protect such information by placing
it on the secure portion of our Web site. That's why you have to enter a unique
Email address and password each time you want to access your information. Your Password
should never be shared with anyone. When our system asks you to enter non-public,
personal information, that information is protected with the Secure Sockets Layer
(SSL) protocol, which is the industry standard for secure data transfer software.
Its proven protection is among the best software available today for secure online
commerce transactions. This technology scrambles your account information as it
moves between your PC's browser and RETIREMENT IN A NUTSHELL's computer systems.
SSL is used by most websites, including online banking sites and other consumer
retail sites to protect your information. While you are on a secure page, the lock
icon on the bottom of web browsers becomes activated, as opposed to unlocked, or
open, when you are just 'surfing'. Our site is hosted at a secure, offsite facility
that provides server security, physical security, and network security. These include
certified Cisco firewalls, dedicated intrusion detection systems, and 24/7 monitoring.
Data you send us are stored securely on-site and backed up daily to remote storage
in compliance with industry best practices.
2. Sharing of Nonpublic Personal Information
We do not share non-public, personal information with any third parties. However,
we reserve the right to share such information with a third party, only to the extent
that the participation of the third party is necessary to provide our services to
you. In the event we contract with a third party to help us provide our services
to you, our agreement with the third party will expressly prohibit the third party
from using your nonpublic personal information for any purpose other than assisting
us in providing our services to you. Additionally, we reserve the right to disclose
information as required by law and when we believe that disclosure is necessary
to protect our rights and/or comply with a judicial proceeding, court order, or
legal process served on our Web site. As stated above, we will not sell, share,
or rent this information to others in any way different from what is disclosed in
this statement.
3. Use of Cookies and Log Files
Cookies are pieces of data assigned by a Web server to the browser on your PC. Cookies
help Web sites to keep track of your preferences and to recognize return visitors.
So, when you return to a Web site you've visited before, your browser gives this
data back to the server. Contrary to reports about cookies and online privacy, cookies
do not contain viruses and most cannot reveal any personally identifiable information
about you unless you willingly provide it as a user on a site. RETIREMENT IN A NUTSHELL
only uses temporary cookies to recognize you during your session. When you have
successfully signed into the site, a session cookie will be issued to your browser.
This cookie, held in your computer’s memory, will be expired when signing out of
your session and will be discarded after closing your browser. We do not store any
permanent cookies on your computer nor embed any personal information in cookies.
To manage our website, we may anonymously log information on our operational systems.
We identify categories of visitors by items such as domains and browser types to
report these statistics in the aggregate to our webmasters. We do this in an effort
to present visitors the best web experience. It also is an effective information
resource.
4. Links
RETIREMENT IN A NUTSHELL's website may contain "links" to other websites. We recommend
that you check the specific privacy policy of any site before providing any personal
information.
5. Terms of Use
Click here for Retirement in a Nutshell, Inc.'s Terms of Use regarding
the www.retirementinanutshell.com website.
6. Changes to this Policy
Any changes to RETIREMENT IN A NUTSHELL's website privacy policy will be posted
in this section. RETIREMENT IN A NUTSHELL reserves the right to change or update
this Privacy Policy at any time. Any changes or updates will be effective immediately
upon posting to the Website, and your use of the Website following such posting
constitutes your acceptance of the Privacy Policy as so changed or updated.
7. Use of the Internet
Although RETIREMENT IN A NUTSHELL will use all reasonable efforts to safeguard the
confidentiality of the data including non-public, personal information, transmissions
made by means of the Internet cannot be made absolutely secure. RETIREMENT IN A
NUTSHELL will have no liability for disclosure of data due to errors in transmission,
unauthorized acts of third parties or through the use of third party cookies including
those of advertisers when you view or click on their advertisements. Once you leave
the Website, you will be subject to third party privacy policies, which may differ
significantly from our Privacy Policy.