Privacy & Security
We Value Our Client's Privacy. We understand and respect the importance of
personal identity and information.
Retirement Corporation of America
Last Updated: March 2012
The following discloses our information gathering and dissemination practices
for www.moneymasters.com. The
statement does not apply to our practices on other websites or offline. This
website is intended for and directed to citizens of the United States, 18 years
What Do We Collect and Why?
You may browse our site without providing us any information that is
identifiable for you.
Registration and Application Forms
Application forms on our site require you to give us your contact information
(i.e., name, address and e-mail address), financial information (i.e., investor
profile, investment information), and demographic information (i.e., zip code
and state). We use this information from the registration application forms to
create the documentation for you to review and approve that establishes you as
an investment advisory client of The Retirement Corporation of America, opens
an account in your name with our third-party custodian, transfers your assets
from their current location to our third-party custodian, and to send you
information about our company at your request. Your contact information is also
used to contact you when necessary for additional information or to process or
fulfill your request. Demographic and profile data may also be collected. We
use this data to help us improve this website and our product and service
Sharing with Third Parties
In the unlikely event that The Retirement Corporation of America, or
substantially all of its assets, are acquired or merged with another company,
customer information will be one of the transferred assets.
We also release account and other personal information when we believe release
is appropriate to comply with law or to protect the rights, property, or safety
of The Retirement Corporation of America, our users, or others. This includes
exchanging information with other companies and organizations for fraud
protection and credit risk reduction. We do not share, sell, trade, or rent
your personal information to third parties for purposes that have not been
agreed to by us.
The information provided includes: name, address, gender, product(s) purchased
and recency of purchase. Information collected on this website from those who
have elected to receive offers from business partners of The Retirement
Corporation of America is made available to such business partners.
Information from Other Sources
For reasons such as improving personalization of our service (i.e., providing
better product recommendations or special offers that we think will interest
you), we might receive information about you from other sources and add it to
our account information. We also sometimes receive updated delivery and address
information from our shippers or other sources so that we can correct our
records and communicate more easily.
We use your IP address and other standard log file information to help diagnose
problems with our server, and to administer our website. Your IP address and
other standard log information are used to help identify you and your shopping
cart and to gather broad demographic information in the interest of improving
our site and service.
Cookies and Click Trail Information
A cookie is a small text file that is stored on a user's computer for
information we store in cookies to any personally identifiable information you
submit while on our site.
We use both session ID cookies and persistent cookies. We use session cookies to
make it easier for you to navigate our site and to track your application
process. A session ID cookie expires when you close your browser. A persistent
cookie remains on your hard drive for an extended period of time. You can
remove persistent cookies by following directions provided in your Internet
browser's "help" file. You can also learn more about cookies here, at the
Webopedia web site:
you return to our site and (b) to recognize whether you came to our site as a
result of a promotion on one of our partners' sites.
We also collect anonymous visitor information about how you utilize our site,
such as IP addresses, browser types (such as Internet Explorer or Netscape),
referring pages and pages visited. We use this information (a) to perform
anonymous statistical analysis of Web page traffic patterns, (b) to administer
our website and servers, and (c) to improve our services.
Links to Other Sites
This site contains links to other sites. www.moneymasters.com
is not responsible for the privacy practices or the content of such websites.
If we send you an e-mail, it will contain an opt-out link which you can click to
have your name removed from our e-mail list. You may request a copy of our
Information-Sharing Disclosure by calling the toll-free number below.
If your personally identifiable information changes, you can update it by
editing it using your Customer Site, or by contacting us by telephone or postal
mail. You can also request to remove your information from our database using
one of the following methods so you will not receive future communications or
will no longer receive our service. Please allow up to 90 days for processing.
Send us a letter at:
Retirement Corporation of America
Customer Care Center
10300 Alliance Road
Cincinnati, OH 45242
Call us toll-free at:
Web Site Security
This web site has security measures in place to protect against the loss, misuse
and alteration of the information under our control.
At the Retirement Corporation of America, online security is one of our primary
concerns. That's why www.moneymasters.com
is a VeriSign Secure Site. When you enter sensitive information (such as social
security numbers or financial details) on our application forms, we encrypt
that information using secure socket layer technology (SSL), and we keep that
data encrypted in our database. All information sent to this site, if in an SSL
session, is encrypted, protecting against disclosure to third parties. You can
learn more about SSL from this link at Webopedia:
If you have any questions about security on our Web site, you can send email to
Retirement Corporation of America Customer Privacy and Security
Retirement Corporation of America maintains physical, electronic, and procedural
safeguards that comply with federal standards to protect its clients' nonpublic
personal information ("information"). Through this policy and its underlying
procedures, Retirement Corporation of America attempts to secure the
confidentiality of customer records and information and protect against
anticipated threats or hazards to the security or integrity of customer records
It is the policy of Retirement Corporation of America to restrict access to all
current and former clients' information (i.e., information and records
pertaining to personal background, investment objectives, financial situation,
tax information/returns, investment holdings, account numbers, account
balances, etc.) to those employees and affiliated/nonaffiliated entities who
need to know that information in order to provide products or services to the
client. Retirement Corporation of America may disclose the client's information
if Retirement Corporation of America is: (1) previously authorized to disclose
the information to individuals and/or entities not affiliated with Retirement
Corporation of America, including, but not limited to the client's other
professional advisors and/or service providers (i.e., attorney, accountant,
insurance agent, broker-dealer, investment adviser, account custodian, etc.);
(2) required to do so by judicial or regulatory process; or (3) otherwise
permitted to do so in accordance with the parameters of applicable federal
and/or state privacy regulations. The disclosure of information contained in
any document completed by the client for processing and/or transmittal by
Retirement Corporation of America in order to facilitate the
commencement/continuation/ter-mination of a business relationship between the
client and a nonaffiliated third party service provider (i.e., broker-dealer,
investment adviser, account custodian, insurance company, etc.), including
information contained in any document completed and/or executed by the client
for Retirement Corporation of America (i.e., advisory agreement, client
information form, etc.), shall be deemed as having been automatically
authorized by the client with respect to the corresponding nonaffiliated third
party service provider.
Retirement Corporation of America permits only authorized employees and
affiliates who have signed a copy of Retirement Corporation of America's
Retirement Corporation of America's disciplinary process. Additionally,
whenever Retirement Corporation of America hires other organizations to provide
services to Retirement Corporation of America's clients, Retirement Corporation
of America will require them to sign confidentiality agreements and/or the
Should you have any questions regarding the above, please contact Daniel C.
Kiley, at the Retirement Corporation of America office.
Revisions to this Statement
Our business changes constantly. This privacy statement will change also, and
use of information that we gather now is subject to the privacy and security
statement in effect at the time of collection. You should check our website
frequently to see recent changes. If, however, we are going to use users'
personally identifiable information in a manner different from that stated at
the time of collection, we will notify users by posting a notice on our website
for 30 days.
If you have any questions about this privacy and security statement, the
practices of this site, or your dealings with this website, please contact us
using one of the methods above.