General PrivacyThis 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 Informationa. 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.