Privacy Policy

At RetireEasy.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 RetireEasy.com partner. • Information you provide us when you apply for a position with RetireEasy.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 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 RetireEasy.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 RetireEasy.com at CustomerService@RetireEasy.com. 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 RetireEasy.com’s Terms of Service, or as otherwise required by law.

Business Transfer – At some point it is possible that RetireEasy.com 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 RetireEasy.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 RetireEasy.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 RetireEasy.com.

Anti-Spam Policy

With the exception of transactional email messages confirming or following up an action you’ve taken on our website, RetireEasy.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, , RetireEasy.com t will include an opt-out opportunity to unsubscribe in all email communications. Sometimes, you may also receive emails that advertise RetireEasy.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 RetireEasy.com are not sent out through a “Spam” mailing. Any third party email publishers that refuse to abide by RetireEasy.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 RetireEasy.com at CustomerService@RetireEasy.com.

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 RetireEasy.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 RetireEasy.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 RetireEasy.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 RetireEasy.com at CustomerService@RetireEasy.com.com (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 RetireEasy.com. Please keep in mind, when you visit websites to which RetireEasy.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 RetireEasy.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 RetireEasy.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 RetireEasy.com, please contact RetireEasy.com CustomerService@RetireEasy.com. 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: CustomerService@RetireEasy.com

Changes to this Privacy Policy

RetireEasy.com may update or amend this Privacy Policy from time to time. Any material changes to this Privacy Policy or in how RetireEasy.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 RetireEasy.com Privacy Policy. If you do not agree to this policy, please do not use any of the RetireEasy.com site. When you request information or quotes through RetireEasy.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: June 1, 2011