At Rethinking Retirement, your privacy is very important to us. The following information explains what information we collect, how we use that information, and what we do to protect your information.
What information do we collect?
We collect certain public information from you when you register on our site including your name, mailing address, and phone number. The only non-public information we collect from you is your email address. We do this in order to verify your registration with our site. We collect this information in order to provide you with access to the full features of the site. We do not collect any information associated with your credit or debit cards, banking or investment accounts, or your social security number. All information that we do collect is stored on secured, encrypted servers. You may visit our site anonymously, but with limited access to certain features.
What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
• To personalize your experience
(your information helps us to better respond to your individual needs.)
• To improve our website
(we continually strive to improve our website offerings based on the information and feedback we receive from you.)
• To improve customer service
(your information helps us to more effectively respond to your customer service requests and support needs.)
• To administer a contest, promotion, survey or other site feature.
• To send periodic emails
, (The email address you provide may be used to send you information and updates pertaining to occasional company news, updates, related product or service information, etc.)
Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser - if you allow - that enables the sites or service providers systems to recognize your browser and capture and remember certain information.
If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly.
Do we disclose any information to outside parties?
With one exception as noted below, we do not sell, trade, or otherwise transfer to outside parties your personally identifiable information without your express permission. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable, aggregate visitor information may be provided to other parties for marketing, advertising, or other uses.
Exception: As certain organizations would like to “introduce” our website to their members, customers or clients, these organizations will sponsor a co-branded version of our site specifically for their community. The registration information (including the user’s name, address, phone number and email address) of individuals who access our site through these introducing sponsors will be shared with the introducing sponsor only. No other information will be shared with the sponsor nor will this information be shared with any other outside party. A sponsored version of the site is identifiable by the words “Sponsored by” or some similar verbiage in the upper right hand corner of the site header. Your registration under a sponsored version of the site serves as your express consent to allow the sharing of your registration information with and only with said sponsor. A non-sponsored version of the site is available to all users by registering at www.RethinkingRetirement.com/nsv.
Do we collect any financial information from you to process orders?
No. All orders from our website are handled through Paypal, utilizing their secure access system. We do not collect any credit card information from you at any time.
Do we accept information from any of your banking or investment accounts?
No. We do not accept any information from any financial service providers, therefore there is no risk of your personal banking information being compromised through our site.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. Therefore, except as noted in the "Do we disclose any information to outside parties?" section above, we will not distribute your personal information to outside parties without your consent.
As part of the California Online Privacy Protection Act, all users of our site may make changes to their information at anytime by logging into their account and going to the 'Your Account>Account Details' page.
Terms and Conditions
Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at http://www.rethinkingretirement.com.
This policy was last modified on 2/1/2013.
Safe Withdrawal Rate
What is a "Safe" Withdrawal Rate?
One of the most important questions any of us must decide as we prepare for retirement is, "How much can I withdraw from my retirement savings accounts without depleting the balances and risk running out of money?" Whether you're already retired, in the final stages of preparing to retire, or a decade or more away, understanding how much income your accumulated investment assets can generate is critical to your long-term planning...