Privacy Policy

Last Modified: 10/12/2023

INTRODUCTION

The Retirement Education Resource Center of North America, Inc. (RERCNA) ("we," "us,"; "our") is a company registered in Massachusetts, United States, with a principal office at:

3 Allied Drive, Suite 303
Dedham Place
Dedham, MA 02026

RERCNA respects the privacy of all users of its website located at https://rercna.com (“Site”), and any other related websites, including https://positioning4retirement.com and https://thinksmartz.com, and mobile applications, through which we provide tools, concepts, and ideas to help educate individuals in accumulating assets and distributing those assets during retirement in the United States (collectively, “Services”). This Privacy Policy (“Privacy Policy”) explains how we collect your information, how we handle and protect that information, and what you can do to help protect your information. This policy applies only to information we collect through our Services, and in email, text, and other electronic communications sent to us in connection with our Services. We reserve the right, at our discretion, to modify this Privacy Policy at any time. You should review our posted Privacy Policy periodically, and especially before you provide any personal information to us. If we make a material change to the Privacy Policy, we will forward appropriate notice to you. Your continued use of our Services after we post any modifications to the Privacy Policy constitutes your acknowledgment of the modifications and your consent to our modified Privacy Policy. Unless noted otherwise, all amended terms shall become effective thirty (30) calendar days after they are initially posted. Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, do not download, register with, or use our Services. By downloading, registering with, or using our Services, you agree to this privacy policy. This policy may change from time to time. Your continued use of our Services after we revise this policy means you accept those changes, so please check the policy periodically for updates.

PRIVACY OF CHILDREN

While our Services may include information useful for general financial planning, our Services are primarily directed to individuals considering retirement or seeking to understand retirement planning. All users who are minors in the jurisdiction in which they reside (generally under the age of eighteen (18)) must have the permission of, and be directly supervised by, their parent or guardian to use our Services. While minor children, including those under the age of thirteen (13), may use our Site with the permission of a parent or guardian, we do not knowingly solicit information from minor children. If you are a parent or guardian and you learn that your minor child has provided us with personal information, without your permission, please contact us. Pursuant to the U.S. Children’s Online Privacy Protection Act of 1998 (COPPA), if we discover that a child under the age of thirteen (13) has provided us with personal information without the permission of a parent or guardian, we will delete such information from our servers as quickly as is reasonably practical. We will take similar action for any minor child that we find has provided personal information without the permission of a parent or guardian. California residents under sixteen (16) years of age may have additional rights regarding the collection of their personal information.

INFORMATION NEEDED FOR OUR SERVICES

To provide our services to you, we need certain types of information related to your finances and retirement plans. If you do not provide us with such information, or if you ask us to delete that information, you may no longer be able to fully access or use our Services.

Information Provided by You When using our Services, you may provide certain information to us. That information includes: Information that you provide us to receive our Services. We ask you to provide certain information about yourself on forms, which may include information provided at the time of registering for our Services and using our Services, such as your name, e-mail address, telephone number, family members, date of birth, and state of residence, as well as financial information, including tax filing status and tax rate, current asset values, and retirement goals. You may also provide information by subscribing to our Services, posting or otherwise transmitting, receiving, or accessing material using our Services, and requesting further services. We may also ask you for information when you report a problem with our Services. Records and copies of your correspondence (including email addresses and phone numbers), if you contact us.

We Do Not Use Automatic Data Collection We do not automatically collect any information or data about you, including Internet Protocol (IP) address, domain information, or location data. We also do not use information tracking technology, such as “cookies” or other data files or tags, and we do not track your internet usage.

USE OF YOUR INFORMATION

We may use your information, including personal information to:

Provide our Services or other information, products, or services to you;
Provide customer service and communicate with you;
Maintain our records;
Make improvements to and maintain our Services, including notifying you of updates to our Services;
Carry out our obligations and enforce our rights under any agreements with you;
Detect and discourage fraud and other criminal activities; and
Carry out any other purpose for which the information was collected.

INFORMATION SHARING

We do not share, sell, or rent your information to any third party for marketing or analytics. We may share or disclose your information to third parties for the following reasons:

To carry out work or perform services on our behalf;
To communicate with subsidiaries and affiliates; When RERCNA has a good faith belief that disclosure is necessary to:
- comply with applicable laws;
- comply with legal processes or governmental requests;
- detect, investigate, combat, mitigate, or prosecute criminal offenses or attacks on the technical integrity of our Site or our network; or
- to protect the rights, property, safety and security of our employees, our Site visitors, or the public.
If we believe your actions are inconsistent with our Terms of Use, End User License Agreement, or other policies or agreements with you. In connection with, or during negotiations of, any merger, acquisition, sale of assets or any business, other change of control transaction or financing, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding; between any future parent, subsidiary, or affiliated company.
As otherwise permitted or required by law or as authorized by you.

STORAGE AND PROTECTION

We maintain administrative, technical, and physical safeguards that are designed to protect the privacy and security of your personal information, including the use of SSL encryption between your web browser and our Services. We may make use of third-party providers, such as cloud storage providers, to store or backup our records and your information. You should understand that the Internet is not a fully secure environment, and we cannot ensure or warranty the security of any information transmitted to or generated by RERCNA in connection with our Services or any other service offered by us. Furthermore, we cannot guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of our administrative, technical, physical, or other operational safeguards.

The safety and security of your information also depends on you. You can further protect your personal information by maintaining up-to-date computer security protections to best secure your computer, computer passwords, and other personal identifier authentication mechanisms. You agree that you are responsible for any additional verification procedures and security you deem necessary, including keeping your account password confidential.

Unfortunately, the transmission of information via the internet and mobile platforms is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted over the internet. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures we provide.

SOCIAL MEDIA

You may also find additional information on our products and services through our social media sites, such as Facebook and X. Please keep in mind that any information you share on social media sites may be visible to all site participants and is subject to those sites’ Terms of Use and Privacy Policy. You are responsible for reviewing the Terms of Use and Privacy Policy on relevant social media sites.

LINKS TO EXTERNAL WEBSITES

Our Site may include links, some temporary and some permanent, to external websites. Each external website is subject to its’ Terms of Use and Privacy Policy. You are responsible for reviewing the Terms of Use and Privacy Policy of such external websites. We are not responsible for the privacy and protection of any other website, or the nature of the content contained therein.

USE OUTSIDE THE UNITED STATES

Our Services are primarily intended for use by individuals planning their retirement in the United States and are based on its laws and regulations. If you are visiting our Site or using our Services from outside the United States, including the European Union, you agree to the transfer of your information to the United States, which may have a lower level of data protection and privacy regulations. You also agree that your information may be transferred to other jurisdictions for processing and storage by RERCNA and our affiliates or authorized third parties.

If you do not want your information to leave your current jurisdiction, do not provide the information to us. By providing information to us, you explicitly consent to the transfer of your information to the United States.

SUSPICIOUS COMMUNICATIONS

It is our policy not to email you or send you electronic communications to request non-public personal information or account information (such as a username or password). If you receive an unsolicited email or other electronic communication that appears to be from RERCNA but that you suspect may be from another source and might be fraudulent, please forward the suspicious communication to us at spam@RERCNA.com.

CHANGES TO OUR PRIVACY POLICY

We may update our privacy policy from time to time. If we make material changes to how we treat our users' personal information, we will post the new privacy policy on this page. The date the privacy policy was last revised is identified at the top of this page. You are responsible for ensuring that we have an up-to-date active and deliverable email address for you and for periodically visiting this privacy policy to check for any changes.

PRIVACY QUESTIONS

If you have questions or concerns regarding this Privacy Policy, please contact us by email at privacy@RERCNA.com or by mail to the above address.