Privacy Notice
All the data on retirementsingularity.com (RS) is created, collected, managed and published by Nuschke Financial Planning.
We are committed to protecting the privacy of our users. We strive to provide a safe and secure user experience. This Privacy Statement sets forth the online data collection and usage policies and practices that apply to The RetirementSingularity.com Website (hereinafter referred to as the “the Website”). Your data will be stored and processed in whole or in part in Canada. If you access the Website outside of Canada, your usage of that site constitutes consent to the transfer of your data out of your country and into Canada.
The Website will contain links to other websites over which we have no control. We are not responsible for the privacy policies or practices of other websites to which you choose to visit by following links from the Website.
INFORMATION WE COLLECT
When you visit the Website there are two types of information you might provide to us: personal information you knowingly choose to disclose, and website use information collected by us as you interact with our website.
In some areas of the Website, we request or may request that you provide personal information, including your name, address, e-mail address, telephone number, contact information, and any other information from which your identity is discernible. In other areas, we collect or may collect demographic information such as your age, career focus and discipline, preferences, gender, educational degrees, or interests. Sometimes we collect or may collect a combination of the two types of information. Examples of areas on the Website where we collect or may collect personal or combined personal and demographic data are pages where you can sign up to use a service or enter a contest.
We also gather or may gather certain information about your use of our site, such as which areas you visit and what services you access. Moreover, there is information about your computer hardware and software that we collect or may collect. This information can include, without limitation, your IP address, browser type, domain names, access times, and referring website addresses.
Please remember that if you post any of your personal information in public and/or Social Network areas of the Website, such as in online forums or chat rooms, such information may be displayed to other users of these services and may be collected and used by others over whom we have no control. We are not responsible for the use made by third parties of information that you post or otherwise make available in public areas of the Website. We retain indefinitely all the information we gather about you in an effort to make your repeat use of our website more efficient, practical, and relevant.
USE OF INFORMATION
The information collected may be used by RetirementSingularity for the purpose of operating and improving the Website, fostering a positive user experience, and delivering the products and services that we offer. We may also use the information we gather to inform you of other products or services available from the Website or to contact you about your opinion of current products and services or potential new products and services that may be offered.
We may use your contact information in order to send you e-mail, postal mail, or other communications regarding updates to the Website, such as, newsletters, new opportunities, and additional listings which may be of interest to you. We may also use it to send you information about third-party products and services that match your interests and preferences, if you opt in for this communication. We do not release any of your contact information to third parties unless we have your permission.
The nature and frequency of these messages will vary depending upon the information we have about you. In addition, at the time of registration for certain services, you have the option to elect to receive additional communications, information, newsletters, and promotions relating to topics that may be of special interest to you.
OPT-IN AND OPT-OUT CHOICES
The registration forms and other sections of the Website where we collect your information provide you with relevant opt-in and opt-out choices regarding promotional activity and other communications with you.
E-mail
Subscribers may opt in for third-party informational e-mails or opt out of all e-mail communication, with the exception of messages relating to your account.
We have, or may have, an area where you can submit feedback. Any feedback you submit in this area becomes our property, and we may contact you for further information.
DISCLOSURE OF INFORMATION TO OTHERS
We do not disclose to third parties your personal information, combined personal and demographic information, or information about your use of the Website (such as the areas you visit or the services you access), except as set forth in the following four subparagraphs.
We may disclose such information to third parties if you consent to such disclosure. For example, we may use data we have about you (such as the interests and preferences you have expressed) to determine whether you might be interested in the products or services of a particular third party.
We may disclose such information to companies and individuals we employ to perform functions on our behalf. Examples may include hosting our web servers, analyzing data, providing marketing assistance, and providing customer service. These companies and individuals will have access to your personal information as necessary to perform their functions, but they may not share that information with any other third party.
We may disclose such information if legally required to do so, if requested to do so by a governmental entity, or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect the rights or property of RetirementSingularity; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
We may disclose and transfer such information to a third party who acquires all or a substantial portion of the RetirementSingularity.com business, whether such acquisition is by way of merger, consolidation, or purchase of all or a substantial portion of our assets. In addition, in the event that RetirementSingularity.com Website becomes the subject of insolvency proceedings, whether voluntary or involuntary, RetirementSingularity.com or its liquidator may sell, license, or otherwise dispose of such information. The RetirementSingularity.com may also share aggregated anonymous information about visitors to the Website with its clients, partners, and other third parties so that they may understand the kinds of visitors to the Website and how those visitors use the site.
ADDITIONAL TERMS AND RULES FOR SOCIAL NETWORKING
Social networking services provided on the Website may have additional terms of conduct, privacy policies, and privacy settings that you will be required to agree to and set when you register for such services.
USE OF COOKIES
We use “cookies” to help personalize and maximize your online experience. A cookie is a text file that is placed on your hard drive by a web page server. Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to your computer, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize pages or register for services on the Website, a cookie helps us to recall your specific information (such as user name, password, and preferences). Because of our use of cookies, we can deliver faster and more accurate results and a more personalized site experience. When you return to the Website, the information you previously provided can be retrieved, so you can easily use the features that you customized. We also use cookies to track click streams and for load balancing.
You may have the ability to accept or decline all cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline all cookies if you prefer. Alternatively, you may be able to modify your browser setting to notify you each time a cookie is tendered and permit you to accept or decline cookies on an individual basis. It is not possible to sign in to the Website without accepting cookies. If you choose to decline cookies, however, you may not be able to use the full functionality of this Website.
USE OF WEB BEACONS
Our web pages may contain electronic images known as web beacons (sometimes called single-pixel GIFs) that allow us to count users who have visited those pages and to deliver co-branded services. Web beacons are not used to access your personally identifiable information on the Website; they are a technique we use to compile aggregated statistics about our Website usage. Web beacons collect only a limited set of information, including a cookie number, time and date of a page view, and a description of the page on which the web beacon resides.
GOOGLE ANALYTICS
The Website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the Website analyze how users use the site. The information generated by the cookie about your use of the Website will be transmitted to and stored by Google on servers in the United States and/or Canada.
Google will use this information on behalf of the operator of the Website for the purpose of evaluating your use of the Website, compiling reports on Website activity for the Website operators and providing them other services relating to Website activity and internet usage.
The IP-address that your Browser conveys within the scope of Google Analytics will not be associated with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of the Website. You can also opt-out of being tracked by Google Analytics in the future by downloading and installing Google Analytics Opt-out Browser Addon for your current web browser: tools.google.com/dlpage/gaoptout.
UPDATING YOUR INFORMATION
It is important to us that we have your correct contact information so that you don’t miss out on further correspondence or experience problems with the delivery of publications and products.
Subscribers can change their personal information or update their profile information at any time here: http://www.retirementsingularity.com/contact/. Other registrants or users may also update their personal information at any time by sending an e-mail to retirementsingularity@gmail.com
SECURITY
We implement reasonable technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes.
CHILDREN
The Website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.
ACCEPTANCE OF THESE TERMS
Your use of the Website shall indicate your understanding and acceptance of the terms of this Privacy Statement. If you do not agree with all of the terms herein, you should not use The Website or services.
CHANGES TO PRIVACY STATEMENT
If we decide to change our Privacy Statement for the Website, we will post those changes here so that you will always know what information we gather, how we might use that information, and to whom we will disclose it. If at any time, you have questions or concerns about this Privacy Statement, please feel free to e-mail us retirementsingularity@gmail.com or call us at 902 448 5554 and speak to one of our team.
We welcome your comments concerning this Privacy Statement. If you believe that we have not adhered to this statement, please contact us by e-mailing us at retirementsingularity@gmail.com we will use commercially reasonable efforts to promptly determine and remedy the problem.
CONTACT INFORMATION
Nuschke Financial Planning. Ste 201 – 5548 Kaye St., Halifax, NS, B3K 1Y5, Canada Tel: 902-448-5554 E-mail: retirementsingularity@gmail.com
