These Web site policies are the legal stuff I am obligated to display to all who visit my website. You are protected by law and have rights. Being aware is being prudent.
Please, read this information carefully.
Disclosure of Income/Affiliate Agreements
Retirement-Online earns income when readers make purchases from affiliate merchants. Retirement-Online endorses products because I like them. I have found merchants with products which I believe may appeal to retirees on specific retirement and senior-related products.
My main income comes from Google Adsense ads. These ads are selected by Google to generally appeal to Retirement-Online readers.
Retirement-Online is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
Retirement-Online provides this website as a service. While the information contained within the site is periodically updated, no guarantee is given that the information provided in this website is correct, complete, and/or up-to-date.
The materials contained on this website are provided for general information purposes only and do not constitute legal or other professional advice on any subject matter. Retirement-Online does not accept any responsibility for any loss which may arise from reliance on information contained on this site. I am providing ideas and road maps for you to think about -- find professionals and seek help where necessary.
Permission is given for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer. The contents of this site are protected by copyright under international conventions and, apart from the permission stated, the reproduction, permanent storage, or retransmission of the contents of this site is prohibited without the prior written consent of Retirement-Online.
Some links within this website may lead to other websites, including those operated and maintained by third parties. Retirement-Online includes these links solely as a convenience to you, and the presence of such a link does not imply a responsibility for the linked site or an endorsement of the linked site, its operator, or its contents (exceptions may apply).
This website and its contents are provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Reproduction, distribution, republication, and/or retransmission of material contained within this website are prohibited unless the prior written permission of Retirement-Online has been obtained.
I recognize that your privacy is important.
This document outlines the types of personal information we receive and collect when you use Retirement-Online.com, as well as some of the steps I take to safeguard information. I hope this will help you make an informed decision about sharing personal information with Retirement-Online.com.
Retirement-Online.com strives to maintain the highest standards of decency, fairness and integrity in all our operations. Likewise, I am dedicated to protecting my customers', consumers' and online visitors' privacy on my website.
Retirement-Online.com collects personally identifiable information from the visitors to our website only on a voluntary basis. Personal information collected on a voluntary basis may include name, postal address, email address, and possibly your senior pen pal information that you submit.
This information is collected if you request information from us, request a senior pen pal, participate in a contest, and sign up to join our email list or request some other service or information from us. The information collected is internally reviewed, used to improve the content of our website, notify my visitors of updates, and respond to visitor inquiries.
Once information is reviewed, it is discarded or stored in our files. If I make material changes in the collection of personally identifiable information I will inform you by placing a notice on our site. Personal information received from any visitor will be used only for internal purposes and will not be sold or provided to third parties.
You have the ability to accept or decline cookies by modifying your Web browser; however, if you choose to decline cookies, you may not be able to fully experience the interactive features of the site.
A web beacon is a transparent image file used to monitor your journey around a single website or collection of sites. They are also referred to as web bugs and are commonly used by sites that hire third-party services to monitor traffic. They may be used in association with cookies to understand how visitors interact with the pages and content on the pages of a web site.
Browsers can be set to accept or reject cookies or notify you when a cookie is being sent. Privacy software can be used to override web beacons. Taking either of these actions shouldn't cause a problem with our site, should you so choose.
Children's Online Privacy Protection Act
This website is directed to adults; it is not directed to children under the age of 13. We operate our site in compliance with the Children's Online Privacy Protection Act, and will not knowingly collect or use personal information from anyone under 13 years of age.
In some cases, I may collect information about you that is not personally identifiable. 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. The information collected is used solely for internal review and not shared with other organizations for commercial purposes.
Release of Information
If Retirement-Online.com is sold, the information we have obtained from you through your voluntary participation in our site may transfer to the new owner as a part of the sale in order that the service being provided to you may continue. In that event, you will receive notice through our website of that change in control and practices, and we will make reasonable efforts to ensure that the purchaser honors any opt-out requests you might make of us.
How You Can Correct or Remove Information
Updates and Effective Date
Agreeing to Terms
In our efforts to provide you with rich sources of quality information, your-mindset.com contains links to other Web sites.
We do not own, operate or control these other Web sites. We make no representations or warranties regarding any information or products which may be offered by these sites.
When leaving our site to visit another site, it is prudent to review their Web Site Policies.
For questions or comments, please use the form provided at the: "Contact Me" page.