Privacy Policy

This site is owned and operated by The Retirement Consulting Group. Your privacy on the Internet is of the utmost importance to us. At The Retirement Consulting Group, we want to make your experience online satisfying and safe.

Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.

Information The Retirement Consulting Group Gathers and Tracks

The Retirement Consulting Group gathers two types of information about users:

• Information that users provide through optional, voluntary submissions. These are voluntary submissions to receive our electronic newsletters, to participate in our message boards or forums, to email a friend, and from participation in polls and surveys:
• Information The Retirement Consulting Group gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers' needs and to better understand the demographics of our audience. Because The Retirement Consulting Group derives its revenue mainly from consulting and advisory services, providing such aggregated demographic data is essential to our ability to continually enhance our services. Under no circumstances does The Retirement Consulting Group divulge any information about an individual user to a third party.

Usage tracking

The Retirement Consulting Group tracks user traffic patterns throughout all of our sites. However, we do not correlate this information with data about individual users. The Retirement Consulting Group does break down overall usage statistics according to a user's domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user's browser).

The Retirement Consulting Group sometimes tracks and catalogs the search terms that users enter in our Search function, but this tracking is never associated with individual users. We use tracking information to determine which areas of our sites users like and don't like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you.

Cookies

We may place a text file called a "cookie" in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites. The Retirement Consulting Group uses cookies to track user traffic patterns (as described above).

You can refuse cookies by turning them off in your browser. If you've set your browser to warn you before accepting cookies, you will receive the warning message with each cookie.

USE OF INFORMATION

The Retirement Consulting Group uses any information voluntarily given by our users to enhance their experience in our network of sites, whether to provide interactive or personalized elements on the sites or to better prepare future content based on the interests of our users.

As stated above, we use information that users voluntarily provide in order to send out electronic newsletters and to enable users to participate in polls, surveys, message boards, and forums. We may send out newsletters to subscribers on a regular schedule (depending on the newsletter), and occasionally send out special editions when we think subscribers might be particularly interested in something we are doing. The Retirement Consulting Group never shares newsletter mailing lists with any third parties, including advertisers, sponsors or partners.

When we use tracking information to determine which areas of our sites users like and don't like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you. We track search terms entered in Search function as one of many measures of what interests our users. But we don't track which terms a particular user enters.

The Retirement Consulting Group creates aggregate reports on user demographics and traffic patterns for advertisers, sponsors and partners. This allows us to improve and enhance the information that is pertinent to our audiance. We will not disclose any information about any individual user except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.

SHARING OF THE INFORMATION

The Retirement Consulting Group, Inc. uses the above-described information to tailor our content to suit your needs and help us better understand our audience's demographics. This is essential to support our continued development of consultings services.  We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.

SECURITY

The Retirement Consulting Group operates secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

OPT -OUT POLICY

We give users options wherever necessary and practical. Such choices include:

• Opting not to participate in certain interactive areas, which completely alleviates the need to gather any personally identifiable information from our users

YOUR CONSENT

By using this site, you consent to the collection and use of this information by The Retirement Consulting Group. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Updated 7-24-07