Privacy Policy

This Privacy Policy was last modified on November 13, 2021.

This statement describes the collection, processing, and handling of information collected and processed through RetirementLifePlan.com and all of Retirement Life Plan LLC’s (operating as Retirement Life Plan) websites, as well as through the services delivered via Retirement Life Plan’s websites. By visiting any of Retirement Life Plan’s websites, including www.retirementlifeplan.com, you are agreeing to this Privacy Policy.

1. Information We Collect What information do we collect and what do we do with it?

We collect certain types of information or data about you when you use Retirement Life Plan’s websites. Some of this information includes Personal Information, which refers to information that can be used to identify you on its own or in combination with other information, including your name, e-mail address, and other information that identifies you. This information may either be provided to Retirement Life Plan by you directly, or collected automatically when you visit our websites. This information helps us to:

Improve the quality of our websites, products, and services
Respond to any feedback or inquiries you send us
Offer our products and services in an online environment not limited by geographic location

1.1 Information provided by you directly.

We collect and store Personal Information that customers voluntarily provide. It is entirely your decision to provide, or not to provide the information requested. However, your decision not to provide information may limit your ability to fully utilize all aspects of our websites. Information you may voluntarily provide when using our website and services includes:

Email communications, including questions, feedback, and email address
Contact details (e.g. telephone number and email address) you explicitly provide to create an account and access our courses, resources, and services
Survey or assessment data if you choose to purchase and/or complete one of our online questionnaires
Payment and billing details if you decide to purchase products or services

1.2 Information collected from you indirectly.

We automatically receive and store certain types of information whenever you use our websites. This information may include:

Your computer's Internet Protocol ("IP") address, browser type and version
Information on how you use the website, through the use of Google Analytics and cookies (see below)

2. How We Use Your Information

The personal information that we collect helps us provide high-quality products and services. We may use your information to:

Deliver information, products, or services you requested
Communicate with you regarding the use of our websites, products, and services
Improve the quality of our websites, products, and services
Conduct research that will help us improve our products and services, and may also contribute more broadly to the field of Psychology

2.1 Research. We may store and process anonymous data (personal identifying information removed) for research purposes. Our ongoing research is intended to contribute to continuous improvements in our products, specifically our self-help tools, and further contribute research communities.

ANY PERSONAL IDENTIFYING INFORMATION WILL BE REMOVED FOR RESEARCH PURPOSES

2.2 Email Newsletter. If you download a free product, register for an account, webinar, seminar, or live event, or purchase any product sold by us or promoted by us, you will automatically be subscribed to our free email newsletter. If you do not wish to receive this newsletter, you may opt out at any time. We include an unsubscribe link at the bottom of our newsletter. If you have any trouble opting out, please send an email to us at hello@retirementlifeplan.com. We will manually remove you from our email list(s).

1.4 Account Information. Personal Information in your account will be used to communicate with you regarding your use of our website. You may choose to have your account information removed at any time and/or opt out of any communications by emailing us with an account deletion request at hello@retirementlifeplan.com

3. Updating Your Information and Preferences

If you no longer wish to receive e-mails or other mail from us, please contact us at hello@retirementlifeplan.com. You may also unsubscribe from our email updates and newsletters by clicking on the unsubscribe link at the bottom of the email.

As a registered user, you can view and update your account information, including your name and email address. You also have the option of deleting your account at any time by emailing us with an account deletion request at hello@retirementlifeplan.com

4. Where Your Data is Stored and Processed

Retirement Life Plan collects Personal Information that may be stored and processed internationally, including the United States or any other country in which Retirement Life Plan operates.

4.1 Thinkific

Our courses and the site for our courses are hosted by Thinkific Labs Inc. (“Thinkific”). They provide us with the online course creation platform that allow us to sell our product/services to you.

If you enroll in one of our courses, your data will also be stored through Thinkific’s data storage, databases and the general Thinkific application. They store your data on a secure server behind a firewall.

For more insight, you may also want to read Thinkific’s Terms of Service here https://www.thinkific.com/resources/privacy-policy/ or Privacy Statement here https://www.thinkific.com/resources/terms-of-service/

5. Keeping Your Data Secure

Transmitting information over the internet is generally not completely secure, and we can’t guarantee the security of your data.

ANY DATA YOU TRANSMIT IS AT YOUR OWN RISK.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Your Personal Information is kept private and stored securely until a time it is no longer required or has no use. In the event that you close any on-line account, or opt out of communications from Retirement Life Plan, your personal information may be archived but may also still be accessible.

Except as otherwise stated in this policy, we will never intentionally disclose any personal information that you voluntarily provide to any third party without having received your written permission.

We may share your Personal Information with authorized third parties so that they can provide services to us (e.g. a mailing house, a courier, a call center provider, a webmaster, or a market research company). When we share this information, we will put in place a written agreement protecting your information. However we cannot be held responsible for the actions of any third party who receives or obtains access to the information, nor for any breach of security.

6. Disclosing Your Information

While we are committed to keeping your information secure and private, we have the following exceptions to our privacy policy:

We will release specific information about you or your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order.
We will also release specific information in special cases, such as if there is an attempted breach of the security of our websites, or a physical or property threat to you or others.
We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change.

7. Your Rights

You may request a copy of Personal Information held about you by Retirement Life Plan. Any access request may be subject to a fee to meet our costs in providing you with details of the information we hold about you. If you would like a copy of information held on you please send a written request to hello@retirementlifeplan.com

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. For more information on updating your information and preferences, see section 3 of this document.

8. Advertising and Links to Other Websites

Retirement Life Plan’ websites may contain some links to websites owned and/or operated by other organizations. The privacy policies of those sites may differ from that of Retirement Life Plan. We therefore suggest that you review the privacy policies posted on all third-party sites.

8.1 Adverts and Sponsored Links

This website may contain sponsored links and adverts. These will typically be served through our advertising partners, to whom may have detailed privacy policies relating directly to the adverts they serve.

Clicking on any such adverts will send you to the advertisers website through a referral program which may use cookies and will track the number of referrals sent from this website. This may include the use of cookies which may in turn be saved on your computers hard drive. Users should therefore note they click on sponsored external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

9. Social Media Platforms

Communication, engagement and actions taken through external social media platforms that this website and its owners participate on are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively. Users are advised to use social media platforms wisely and communicate / engage upon them with due care and caution in regard to their own privacy and personal details.

This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

Shortened Links in Social Media

This website and its owners through their social media platform accounts may share web links to relevant web pages. By default some social media platforms shorten lengthy urls [web addresses] (this is an example: http://bit.ly/zyVUBo).

Users are advised to take caution and good judgment before clicking any shortened urls published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine urls are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.

10. Children and Privacy

Retirement Life Plan does not create content or sell products for purchase by children or anyone under 18 years of age. The content on our websites is generally suitable, but not relevant for children. If you are under 18 years of age, you may use Retirement Life Plan’ websites only with involvement of a parent or guardian.

11. Payment and Billing Information

Further, the information you enter when making a purchase or an online donation will be shared with payment processors, financial gateways, and your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose or carrying out the transactions. Please note that if you give out personal information online through comments, a discussion board or posting site, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of information you post in these forums. You disclose such information at your own risk.

If you purchase one of our courses on Thinkific, we use a third party payment processor such as Stripe or Paypal. Payments are encrypted through the Payment Card Industry Data Security Standard (PCI-DSS). Your purchase transaction data is stored only as long as is necessary to complete your purchase transaction.

All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover.

PCI-DSS requirements help ensure the secure handling of credit card information by our site and related courses and its service providers.

12. Changes to Privacy Policy

Retirement Life Plan reserves the right to change the terms of this Privacy Policy from time to time by posting an updated Privacy Policy. We encourage you to review this Privacy Policy periodically for any changes or updates.

If you have any questions or concerns about our Privacy Policy, please contact us at hello@retirementlifeplan.com

Google Analytics and Cookies

2.1. Google Analytics. To obtain this information when you visit our websites, Retirement Life Plan uses Google Analytics, a web analytics service provided by Google, Inc (“Google”). Google Analytics uses “cookies,” which are text files placed on your computer, to help us analyze how users use our websites. The information generated by the cookie about your use of our websites (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the Retirement Life Plan websites, compiling reports on website activity, and providing other services relating to website activity and internet usage. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. However, please note that if you do this, you may not be able to use the full functionality of our websites.

You can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en. In case of activation of the IP anonymization, Google will truncate/anonymize the last octet of the IP address for Member States of the European Union as well as for other parties to the Agreement on the European Economic Area. Only in exceptional cases, is the full IP address sent to and shortened by Google servers in the USA.

Further information can be found under http://www.google.com/analytics/terms/us.html

(Google Analytics Terms of Service & Privacy)

2.2 Cookies. Cookies are files with small amount of data that are sent to your browser from a web site and stored on your computer's hard drive. The use of cookies is common on the Internet. However, you can instruct your browser to refuse all cookies or to indicate when a cookie is being sent to you. But if you do not accept cookies, you may not be able to use some portions of our website.