We Value Our Client's Privacy. We understand and respect the importance of personal identity and information.
Retirement Corporation of America
Privacy Statement
Last Updated: December 2005
We understand and respect the importance of personal identity and information - that's why the Retirement Corporation of America (Referred to as "RCA") is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build user's trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the site www.moneymasters.com. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.
If you have questions or concerns regarding this privacy and security statement, you should first contact Customer Service at 1-800-266-9595. If you do not receive acknowledgement of your inquiry or it is not satisfactorily addressed, you should then contact TRUSTe at http://truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison with the website to resolve your concerns.
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 and older.
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 offerings.
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.
IP Address
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 record-keeping purposes. We use cookies on this site. We do not link the 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: http://www.webopedia.com/TERM/c/cookie.html.
Our site uses cookies for a number of reasons, such as (a) to recognize you when 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.
Choice/Opt-Out
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
4255 Lake Park Boulevard
Salt Lake City, UT 84120
Call us toll-free at:
1-800-266-9595
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: http://www.webopedia.com/TERM/S/SSL.html
If you have any questions about security on our Web site, you can send email to us at help@moneymasters.com.
RCA Customer Privacy and Security
RCA 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, RCA 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 and information.
It is the policy of RCA 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. RCA may disclose the client's information if RCA is: (1) previously authorized to disclose the information to individuals and/or entities not affiliated with RCA, 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 RCA 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 RCA (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.
RCA permits only authorized employees and affiliates who have signed a copy of RCA's Privacy Policy to have access to client information. Employees violating RCA's Privacy Policy will be subject to RCA's disciplinary process. Additionally, whenever RCA hires other organizations to provide services to RCA's clients, RCA will require them to sign confidentiality agreements and/or the Privacy Policy.
Should you have any questions regarding the above, please contact Daniel C. Kiley, at the RCA 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.
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