NewRetirement.com Privacy Policy
At NewRetirement.com, we care about your privacy and want you to feel comfortable and secure in your use
of our site. 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.
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 you provide us when you apply for a position with NewRetirement.com.
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 only 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. Partners on our provider network
may contact you by telephone, 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 that provide certain
services for us such as marketing services. 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.
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.
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. 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. However if this does not
work, please email us 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.
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, 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 sending 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
Users of this site must be at least 18 years old to use this website. We do not intentionally collect, use
or disclose personal information about visitors under 18 years of age. If you are under 18 years of age,
you can use the services offered on our website only in conjunction with your parents or guardians. Please
see our Terms of Use for more information.
Updating Your Information
If you want to access or update the personal information you submitted to NewRetirement.com, please contact
NewRetirement.com Customer Service. You can also write us at the address below and request that your personal
information be updated.
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, LLC
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 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: March 28, 2005
Privacy Policy