Privacy Policy for Redefined Retirement©

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Effective Date: June 1, 2025

Last Updated: June 1, 2025

Redefined Retirement© © ("we," "our," "us," or "Company") is a subsidiary of Elara Management©. We are committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, tools, or interact with our content.

By using our website or services, you consent to the practices described in this Privacy Policy.

1. INFORMATION WE COLLECT

1.1 Personal Information

We may collect personally identifiable information that you voluntarily provide, including but not limited to:

• Contact Information: Name, email address, phone number, mailing address
• Account Information: Username, password, profile information
• Communication Data: Messages sent through contact forms, support requests, feedback
• Newsletter/Subscription Data: Email preferences, subscription status
• Survey/Feedback Data: Responses to surveys, polls, or feedback forms
• Financial Information: Information you input into our calculators or tools (stored temporarily for calculation purposes only)

1.2 Automatically Collected Information

We automatically collect certain information when you visit our website:

• Technical Data: IP address, browser type and version, operating system, device information
• Usage Data: Pages visited, time spent on pages, click-through rates, referral sources
• Cookie Data: Information collected through cookies and similar tracking technologies
• Analytics Data: Website performance metrics, user behavior patterns
• Location Data: General geographic location based on IP address (not precise location)

1.3 Third-Party Information

We may receive information about you from third-party sources, including:

• Social media platforms (if you interact with our social media content)
• Analytics providers
• Marketing partners (with your consent)
• Public databases or directories

2. HOW WE USE YOUR INFORMATION

We use collected information for the following purposes:

2.1 Service Provision

• Provide, operate, and maintain our website and services
• Process and respond to your inquiries and requests
• Deliver educational content, tools, and resources
• Personalize your experience on our website
• Facilitate communication between you and our team

2.2 Business Operations

• Improve and optimize our website, tools, and services
• Conduct research and analytics to understand user behavior
• Develop new features, products, or services
• Monitor and analyze usage patterns and trends
• Ensure website security and prevent fraud

2.3 Marketing and Communications

• Send newsletters, updates, and promotional materials (with your consent)
• Notify you about changes to our services or policies
• Share educational content and retirement planning resources
• Conduct marketing campaigns and measure their effectiveness

2.4 Legal and Compliance

• Comply with legal obligations and regulatory requirements
• Protect our rights, property, and safety
• Enforce our Terms of Service
• Respond to legal requests and prevent illegal activities

3. INFORMATION SHARING AND DISCLOSURE

3.1 We Do Not Sell Your Information

We do not sell, trade, or rent your personal information to third parties for commercial purposes.

3.2 Permitted Disclosures

We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our website and services
• Legal Requirements: When required by law, court order, or government request
• Safety and Protection: To protect our rights, property, safety, or that of our users
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Consent: With your explicit consent for specific purposes

3.3 Third-Party Service Providers

We work with reputable third-party service providers, including:

• Email marketing platforms (e.g., Mailchimp, ConvertKit)
• Analytics services (e.g., Google Analytics)
• Web hosting providers
• Payment processors (if applicable)
• Customer support platforms

4. COOKIES AND TRACKING TECHNOLOGIES

4.1 Types of Cookies

We use various types of cookies and tracking technologies:

• Essential Cookies: Necessary for website functionality
• Analytics Cookies: Help us understand how visitors use our website
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

4.2 Cookie Management

You can control cookies through your browser settings. However, disabling certain cookies may limit website functionality.

4.3 Third-Party Tracking

Our website may include third-party tracking technologies from:

• Google Analytics
• Social media platforms
• Advertising networks
• Content delivery networks
• 
  

5. DATA SECURITY

5.1 Security Measures

We implement appropriate technical and organizational security measures, including:

• SSL encryption for data transmission
• Secure hosting environments
• Regular security assessments
• Access controls and authentication protocols
• Data backup and recovery procedures
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5.2 Limitations

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

6. DATA RETENTION

We retain your personal information only as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records as required by law

When information is no longer needed, we securely delete or anonymize it.

7. YOUR RIGHTS AND CHOICES

7.1 Access and Control

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt-out of marketing communications
• Withdraw consent where applicable

7.2 Communication Preferences

You can manage your communication preferences by:

• Using unsubscribe links in emails
• Contacting us directly
• Updating your account settings (if applicable)
• 
  

7.3 California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and the right to delete personal information.

8. CHILDREN'S PRIVACY

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will promptly delete such information.

9. INTERNATIONAL USERS

If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where our servers are located and our central database is operated.

10. CHANGES TO THIS PRIVACY POLICY

We reserve the right to update this Privacy Policy at any time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes

Your continued use of our services after changes take effect constitutes acceptance of the updated policy.

11. CONTACT INFORMATION

For questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us at:

Email: info@redefinedretirement.org
Subject Line: Privacy Policy Inquiry