General Privacy

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 nonpublic, 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

Please see the RETIREMENT IN A NUTSHELL "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 nonpublic, 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.