NewRetirement.com Privacy Policy

At NewRetirement, Inc. ("NewRetirement.com"), we care about your privacy and want you to feel comfortable and secure in your use of our site (www.newretirement.com). We urge you to read this notice explaining our online information practices. By using this site, you are accepting the practices described in this Privacy Policy.

TRUSTe online privacy certification
NewRetirement, Inc. has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. The TRUSTe program only covers information that is collected through this Web site (www.newretirement.com). TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us at Customer Service. If you are not satisfied with our response you can contact TRUSTe here.

Information Collected

There are two types of information we collect:

Personal Information - this is "individually identifiable" information you provide to us when requesting information through our site.

We collect and use personal information about you to respond to any requests you make for information, products and/or services offered through this website. We may also collect information in order to inform you about products, services, and other opportunities we think will be of interest to you. Even though some personal information we gather from you may be considered publicly available through government records or other public sources, we treat all personal information submitted by you as nonpublic personal information.

The information we collect may be from the following places:
  • Information you supply to us when you sign up to receive communication from us (example: your email address).
  • Information provided by you in association with obtaining financial products or services such as reverse mortgage loans (such as your name, age, telephone number, self-assessed property value).
  • Information you provide us through surveys, feedback, promotions or other forms hosted on our website or the pages of a NewRetirement.com partner.
  • Information about others such as name and age.

Non Personal Information - this is "non-personally identifiable" information, such as normal web server/visitor traffic data or demographic information.

Demographic information is non-personally identifiable information such as marital status, gender, and zip code. We may also obtain demographic information about you from third party services and integrate this information with your existing profile. Like most websites, we automatically receive and record certain types of information every time someone visits us. We use "cookies" and the other data to augment your experience and present appropriate offers. We may sometimes use third-party advertising companies to serve and track advertisements displayed on our website. These companies may also use cookies and similar methods to gauge advertising effectiveness. Information that these third parties collect via cookies and related methods is anonymous.

Information Sharing and Disclosure

We do not share personal information about you with other people or nonaffiliated companies apart from providing products or services you have specifically requested or under the following conditions:

Product or Service Requests - If you enter a request for a financial, insurance or other product or service offered through this website we will share personal information included in your request form, such as your name, email, physical address, telephone number, and property information, with lenders and partners in our provider network who offer the product you inquired about and like products with similar benefits to process and complete your request. Everyone on our network of providers, including banks, brokers and other firms has entered into a marketing agreement with NewRetirement.com and are required to comply with state and federal privacy laws and regulations. NewRetirement.com and Partners on our provider network may contact you by telephone (including calls to a mobile phone or calls made using automated dialing), email, direct mail or any other method they may deem appropriate based on the information you supplied to us in order to process and complete your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission or any state equivalent Do Not Call List. If any of these firms calls you by telephone and you wish not to be contacted again by that firm, then you should notify that firm that you do not wish to be contacted again. If a firm ignores your request and contacts you again, please contact us immediately by sending an email to NewRetirement.com Customer Service. Please note that the lenders and other firms may maintain the information you provided whether you choose to use their services or not.

Vendors - We sometimes share some of the information we collect with companies, such as marketing partners or other third parties that provide certain services for us such as marketing services, data verification and live chat. We may use the personal information that you supply to us and we may work with other third parties to bring selected retail opportunities to you via direct mail, email and telemarketing. These companies only have access to personal information necessary to deliver their service, and may not share it with others or use it for any other purpose - these limits are specified in confidentiality and other legal agreements with us. If you do not want us to share your personal information with these companies, contact us at Customer Service.

As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders or like circumstances. It may be necessary to share information in order to investigate, avert, or take action regarding illegal behavior, suspected fraud, and/or violations of NewRetirement.com's Terms of Use, or as otherwise required by law.

Business Transfer – At some point it is possible that NewRetirement could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by NewRetirement.com, including customer account information, but would continue to be bound by this Privacy Policy unless you agree otherwise.

Advertisements

You may receive advertisements for NewRetirement.com from third parties, such as websites with relevant content, search engines or through a third party advertising network. Such advertisements are served by the third party website that you have visited and are not controlled by NewRetirement.com.

We partner with a third party ad network to either display advertising on our Web site or to manage our advertising on other sites. Our ad network partner uses cookies and Web beacons to collect non-personally identifiable information about your activities on this and other Web sites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by clicking here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.

We use Google AdSense to publish ads on this site. When you view or click on an ad a cookie will be set to help better provide advertisements that may be of interest to you on this and other Web sites. You may opt-out of the use of this cookie by visiting Google’s Advertising and Privacy page: http://www.google.com/privacy_ads.html

Anti-Spam Policy

With the exception of transactional email messages confirming or following up an action you've taken on our website, such as requesting information or registering a "My NewRetirement" account, NewRetirement.com will only send email communications to you if you opt to submit your email address to us or register to receive them. With the exception of transactional email messages confirming or following up an action you've taken on our website, such as requesting information or registering a "My NewRetirement" account, NewRetirement will include an opt-out opportunity to unsubscribe in all email communications; you may also opt out on our unsubscribe page. Sometimes, you may also receive emails that advertise NewRetirement.com's services from third party publishers. We do not tolerate Spam and have established firm rules for dealing with any third party email services to ensure that advertisements for NewRetirement.com are not sent out through a "Spam" mailing. Any third party email publishers that refuse to abide by NewRetirement.com's anti-Spam policy will be dropped as service providers. If you want to stop receiving emails from a third party, you should follow the opt-out instructions included in the third party email so that you will not be included in any future mailings. If the third party email publisher is unresponsive to your requests, please let us know at NewRetirement.com Customer Service.

IP Addresses and Cookies

To serve you with higher quality, we use "cookies", which are small bits of code, typically stored on a user's computer, which enable Website "personalization". We generally use cookies used to optimize your experience by learning how and whether you successfully used NewRetirement.com. Cookies are not tied to your personal information. To check the performance of our partners, we may also capture click-stream data on some of our partner's websites, limited to the tasks involved with the completion of offers displayed on our website.

We may also track of Internet Protocol (IP) addresses. An IP Address is a number that is employed by computers on the Internet to identify your computer every time you log on to the Internet.

Third Party Cookies - The use of cookies by third parties is not covered by our privacy policy. We do not have access or control over these cookies.

Clear Gifs (Web Beacons/Web Bugs) - Our third party advertising partner employs a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.

Framing - Some of our pages utilize framing and/or masking techniques to serve content from our partners while preserving the look and feel of our site. Please be aware that you are providing your personal information to these third parties and not to www.newretirement.com.

Facebook Connect or other OpenID provider - You can log in to our site using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.

Tell-A-Friend - If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. NewRetirement.com does not store this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

Social Media (Features) and Widgets - Our Web site includes Social Media Features, such as the Facebook Like button [and Widgets, such as the Share this button or interactive mini-programs that run on our site]. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Public Forums - Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at Customer Service. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Testimonials - With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at Customer Service.

Confidentiality and Security

The security of your personal information is very important at NewRetirement.com, and we take a number of steps to safeguard it. For example:

  • We limit access to personal information to those employees or agents who have a need to know such information in order to assist in providing requested products and services to you. They are required to adhere to strict policies and procedures regarding the handling of your personal information.
  • We use industry standard data encryption technologies when sending and receiving consumer information on the NewRetirement.com website.
  • We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect personal information about you.

Opting-Out

If you register or otherwise opt to receive communications from us, such as completing an online form, we will periodically send you newsletters and other e-mails featuring educational information, special offers, and other members-only benefits. If you would like to stop receiving these communications, please let us know by clicking here to unsubscribe or send an email to NewRetirement.com Customer Service (you may also opt-out by clicking on the unsubscribe link in our emails). Our email database is updated regularly. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request.

Please note that third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. Also, please note that if you request information about a product or service through our website, we may send you a thank you email, ask for a satisfaction rating or a testimonial and send you periodic product reminders as part of your service.

Third Party Links

This Privacy Policy applies to all information that you provide to NewRetirement.com. Please keep in mind, when you visit websites to which NewRetirement.com provides a link, you will be dealing with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is covered by that third party's privacy policy. We recommend you review the privacy policies of any other service provider from whom you request services.

If NewRetirement.com receives personal information from a third party that is not in conjunction with a service offered on our site, the use and disclosure of such information is governed by the agreement (if any) between NewRetirement.com and such third party.

Children's Privacy

NewRetirement.com does not knowingly collect information from children under the age of 13. If we learn that we have collected Personal Information of a child under the age of 13, we will delete that data from our systems.

Updating Your Information

If your personal information changes or you want to access, update or delete inaccuracies, please contact NewRetirement.com Customer Service. You can also write us at the address below and request that your personal information be updated.

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at Customer Service. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Policy, you may contact us:

By sending an email to:
Customer Service
By sending a letter to:
NewRetirement, Inc.
Attn: Customer Service
100 Pine Street, Suite 590
San Francisco, CA 94111

Changes to this Privacy Policy

NewRetirement.com may update or amend this Privacy Policy from time to time. Any material changes to this Privacy Policy or in how NewRetirement.com uses your personal information, will be posted here. You will be notified prior to the change becoming effective if any of the material changes affect the use of your personal information and will be asked to opt-in to the new use of your personal information. If you disagree with the changes to how your information will be used, please do not continue to use this website.

By using this site, you signify your assent to the NewRetirement.com Privacy Policy. If you do not agree to this policy, please do not use any of the NewRetirement.com site. When you request information or quotes through NewRetirement.com, you are authorizing us to share information with our business partners, who may contact you by phone, email, or mail. If you do not wish to receive any further communications from them, please notify the partner directly. We reserve the right to make updates to this policy at any time and ask you to please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will include the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy.

Last updated: December 10, 2012