Navigating Retirement Roadblocks |
Do you want to become a Couch Potato? Lonely? Bored to Death? Even worse, lose your Self Worth? Or would you rather successfully build your new retirement life? Many retirees don't have the know-how or skills to avoid the hidden and unrecognised traps we face in retirement. The ProRetiree gives you the missing tools and skills to succeed. and to build the new retirement life you want and deserve!
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Latest ProRetiree NewsMarch 2020 Our new site is now live!Welcome to The ProRetiree website. This is our HQ for the activity we conduct online in our Facebook page, our Product Announcement pages and our YouTube Videos. We will keep you posted here of these activities as they are launched and updated with our tips, traps, freebies, products, tools and eNews.
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Privacy PolicyThe ProRetireeWe are committed to safeguarding your privacy while providing a personalized and valuable service.
This policy highlights some of the key elements of our Online Privacy Statement. Both this page and our Online Privacy Statement apply to all online and mobile resources published by The ProRetiree. For more information, please read our complete online Privacy Statement along with our Terms and Conditions. The following Privacy Policy and terms of use are subject to change at any time and at the sole discretion of the site owner and operator. Please visit the site regularly for updates. Last Updated on 4 March, 2020. Information Collected There are two types of information that we obtain from you online and then store and use:
Uses of Information We use non-personal information to administer our online and mobile resources, improve them, and to make business decisions about what programs our customers might like. We use voluntarily provided personal information to respond to your inquiries and provide you with the services you have requested, among other uses as further described below. We do not sell or rent your personal information to third party data vendors or marketing companies. As you might expect, we disclose your information when required by law. Communications and Emails When we communicate with you about our website, we will use the email address you provided when you registered as a member or user. We may also send you emails with promotional information about our website or offers from us or our affiliates unless you have opted out of receiving such information. Privacy Choices You do not have to provide personal information to enjoy most of the features of our online and mobile resources. You also can opt out of certain activities like newsletters and announcements by using the unsubscribe link in the email or via the online and mobile resources. You can also access, amend, or delete the personal information we have collected about you by contacting us using the contact details in this privacy statement. Our Legal Basis for Collecting and Processing Personal Data Our legal basis for collecting and processing your PD when you buy our products or services is based on and the necessity for the performance of a contract or to take steps to enter into a contract. Our legal basis for collecting and processing your PD when you sign up for our newsletter and information about our products and services through our website opt-in forms is based on consent. Retaining and Destroying Your PD We retain information that we collect from you (including your PD) only for as long as we need it for legal, business, or tax purposes. Your information may be retained in electronic form, paper form, or a combination of both. When your information is no longer needed, we will destroy, delete, or erase it. Contacting Us Questions about this page or our online privacy statement may be sent to: The ProRetiree Attn: Legal & Compliance Department PO Box 913, Manly 1655 NSW Australia E-mail: admin@theproretiree.com THE PRORETIREE Online Privacy Statement Thank you for visiting our online and mobile resources, and for viewing this Privacy Statement. We use this statement to tell you about the types of information we collect when you visit any The ProRetiree-owned online and mobile resources that link to this statement. More specifically, this statement tells you:
By using our online and mobile resources, you are signifying to us that you agree with this Privacy Statement and that we may use and disclose your information in the manner it describes. Although our online and mobile resources may contain links to other websites controlled by third parties, you should be aware that we are not responsible for the privacy practices of those, or any other, sites or online resources. If you have questions about how those sites collect and use data, you should carefully read their privacy policies. This privacy statement is effective 4 March, 2020. Some Important Vocabulary This Privacy Statement is a legal document, so clarity is important. We’ll use this section to let you know about some words (terms of use) that have special meanings whenever you see them in this statement. “Statement”, “this statement”, “this privacy statement” and “our statement” mean this The ProRetiree online Privacy Statement you are reading right now. “The ProRetiree”, “Retirement Navigator”, “theproretiree.com”, “Ms Raven”, “we”, “us” and “our” mean “The ProRetiree”. “You” and “your” mean you, the reader, and other visitors to our online and mobile resources. “Online and mobile resources” means all websites and other internet features we own that allow you to interact with our websites, as well as apps we’ve created and distributed to let our customers and followers view our online and mobile resources or otherwise interact with the content we provide. “Personal information” means information that can be used to identify you or that can be easily linked to you. Therefore, a list of personal information could include such things as your name, address, telephone number, email address and date of birth. The English language version of this Privacy Statement is the controlling version regardless of any translation you may attempt. What Information Are We Collecting How Are We Using It? Voluntarily Submitted Information If you participate in certain activities via our online and mobile resources, you may be asked to provide us with information about yourself. The types of personal information we collect in those situations includes identifiers (such as your name, email address, physical address, and phone number), professional information (such as the business you are in), and financial account information (such as your credit card information). For example, if you choose to send us an email or fill out an online form, you are voluntarily providing personal information to us. In doing so, you agree that we have a reasonable and lawful basis (such as to provide, maintain, and enhance the online and mobile resources and our product and service offerings, create reports on usage of the online and mobile resources, perform our contract obligations, inform our marketing efforts, comply with law, or satisfy our legitimate business interests) on which to collect, use, and disclose that information for the purpose it is requested and for other reasonable internal business purposes. We do not sell, rent, or trade voluntarily submitted personal information with third parties. If you don’t want us to collect this type of personal information, please don’t provide it. This means you shouldn’t participate in the activities on our online and mobile resources that request or require it and you may want to communicate with us by phone or regular mail instead. Participation is strictly your choice. Not participating may limit your ability to take full advantage of the online and mobile resources, but it will not affect your ability to access certain information available to the general public on the online and mobile resources. Here are some of the ways you voluntarily give us your personal information and how we use it: Emails and Online Forms When you send us an email or fill out an online form such as to contact us or to subscribe to our information service or request a free product or service, or purchase a product or service, your email address and any other personal information (e.g. your name or phone number) that may be in the content of your message or attached to it, are retained by us and used to respond back directly to you and to process your request. Depending on the personal information provided, communications from us may be in the form of emails, telephone calls, and/or text messages. We may also send you information about any of our products or services we think may be of interest to you. Automatically Collected Information When you visit our online and mobile resources, basic information is passively collected through your web browser via use of tracking technologies, such as a “cookie” which is a small text file that is downloaded onto your computer or mobile device when you access the online and mobile resources. It allows us to recognize your computer or mobile device and store some information about your preferences or past actions. We allow third party vendors to use cookies or similar technologies to collect information about your browsing activities over time following your use of the site. For example, we use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses cookies to help us analyze how you use the online and mobile resources and enhance your experience when you visit the online and mobile resources. For more information on how Google uses this data, go to https://policies.google.com/technologies/partner-sites. The internet activity information collected through cookies and other similar means includes such things as:
Additionally, if you access our online and mobile resources from a phone or other mobile device the mobile services provider may transmit to us uniquely identifiable mobile device information which allows us to then collect mobile phone numbers and associate them with the mobile device identification information. Some mobile phone vendors also operate systems that pinpoint the physical location of devices and we may receive this information as well if location services are enabled on your device. If you do not want us to collect and use information about your geographical location, disable location services through your device settings. Regardless, we use both automatically collected information and mobile device information to compile generic reports about popular pages on our online and mobile resources, and to see how our customers and followers are accessing our online and mobile resources. We then use that data to administer the online and mobile resources and make them better, make your activities more convenient and efficient and to enhance the functionality of our online and mobile resources, such as by remembering certain of your information in order to save you time. The Internet is a global environment. Using the Internet to collect and process personal data necessarily involves the transmission of data on an international basis. By browsing the The ProRetiree sites and communicating electronically with us you therefore acknowledge and agree to our processing of personal data in this way. By agreeing to our transfer of your Data to third party organizations (for them to send you details about their products and services, as detailed above) you are providing consent to any transfer of your data to organizations based anywhere in the world. Do Not Track Disclosure Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this point in time, we do not specifically respond to browser “do not track” signals. Sharing Information with Others: Who and Why Third Parties We may share your information, including personal information, with our vendors and other third parties with whom we have a contractual relationship. Examples of the categories of third parties with whom we share your information with and why include the vendors from whom we obtain technology and infrastructure services to host our online and mobile resources, perform credit card processing, API integration, and data analytics services. We may also share your information, including personal information, with vendors who provide third party software services that you have chosen to assist you with your sales funnels. We do our best to disclose only the information each of those parties need. Affiliates In addition to those third parties set forth above, we may share your information, including personal information, with our corporate affiliates who will use such information in the same way as we can under this privacy statement. Legally Compelled Disclosures We may disclose your information, including personal information, to government authorities, and to other third parties when compelled to do so by such government authorities, or at our discretion or otherwise as required or permitted by law, including but not limited to responding to court orders and subpoenas. We also may disclose such information when we have reason to believe that someone is causing injury to or interference with our rights or property, other users of the online and mobile resources, or anyone else that could be harmed by such activities. Business Transfer If The ProRetiree or its affiliates, or substantially all of its or their assets, are acquired by one or more third parties as a result of an acquisition, merger, sale, reorganization, consolidation, or liquidation, personal information may be one of the transferred assets. Choices You Can Make: Opt-Out and Account Changes If we are using personal information you provided to us in order to enable us to send you materials, such as newsletters or product alerts via text or email], and you decide you don’t want to receive such materials, you may opt out by following the opt-out instructions in the email or by contacting us using the contact information below. When we receive your request, we will take reasonable steps to remove your name from our distribution lists. You need to understand it may take a period of time to remove your name from our lists after your request and due to this lag-time you may still receive materials for a period of time after you opt out. In addition to opting out, you have the ability to access, amend, and delete your personal information by contacting us using the contact information below. Social Media This section applies to everyone who interacts with our social media presence. You are therefore viewing this page because you either linked from the social media features on our online and mobile resources (Internal Social Media Features) or from comment sections, feeds, and other elements of social media presence viewable on Facebook, Twitter, YouTube, LinkedIn, Instagram or any of the many other available external third party social media platforms we may utilize (External Social Media Presence). Social media platforms are places of public information exchange, and you should have no expectation of privacy when using them. Specifically, neither this statement nor our Terms and Conditions apply to our External Social Media Presence. The websites and platforms that host our External Social Media Presence are not controlled by us and therefore have their own privacy policies and terms of use. The comments and opinions expressed by users on social media are theirs alone and do not reflect the opinions of The ProRetiree. Comments that some would consider inappropriate or offensive may appear on our Internal Social Media Features as well as our External Social Media Presence and may remain there until they have been identified by us or called to our attention and we are able to work through the necessary procedures and technical processes to have them removed. If you see what you consider an offensive or inappropriate post or comment on our External Social Media Presence, you should report it to the operator of the applicable website or platform using the procedures they have established for that purpose. If you see such a post on Internal Social Media Features, it should be reported directly to us via the contact information below. Our Security Policy The ProRetiree has appropriate measures in place to ensure our users’ data is protected against unauthorized access or use, alteration, unlawful or accidental destruction, and accidental loss. User data may be transferred outside the The ProRetiree group to data processors such as fulfillment houses but they will act only on our instructions to provide the services required. Privacy Principles We are committed to protecting your personal information and meeting the Australian Privacy Principals contained in the Privacy Act 1988 (Cth) (the Act) as amended from time to time.
Use of Your Credit Card You may have to provide a credit card to buy products and services from our website. We use third-party billing services and have no control over these services. We use our commercially reasonable efforts to make sure your credit card number is kept strictly confidential by using only third-party billing services that use industry-standard encryption technology to protect your credit card number from unauthorized use. However, you understand and agree that we are in no way responsible for any misuse of your credit card number. User Age Requirements and Children’s Privacy We our obligations to data collection and age-related requirements very seriously, and consistent with it do not intend for our online and mobile resources to be used by children under the age of 18. Moreover, we do not knowingly collect personal information from minors under the age of 18. If we become aware that anyone under the age of 18 has submitted personal information to our online and mobile resources, we will delete that information and will not use it for any purpose whatsoever. If you believe that someone under the age of 18 has submitted personal information to our online and mobile resources, please contact us at admin@theproretiree.com. We encourage parents and legal guardians to talk with their children about the potential risks of providing personal information over the Internet. Changes to this Privacy Statement We reserve the right to change or update this statement from time to time. Please check our online and mobile resources periodically for such changes since all information collected is subject to the statement in place at that time. Typically, we will indicate the effective/amendment date at the beginning of this statement. If we feel it is appropriate, or if the law requires, we’ll also provide a summary of changes we’ve made near the end of the new statement. Contacting Us If you have questions about our privacy statement or privacy practices, please contact us at: The ProRetiree Attn: Legal & Compliance Department PO Box 916 Manly 1655 NSW Australia E-mail: admin@theproretiree.com Copyright 2020 – The ProRetiree - All Rights Reserved |
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See our Terms and Conditions below
Terms and Conditions of Use
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Introduction
TheProRetiree.com (Website) is owned and operated by The ProRetiree. In this policy, “us” “we” or “our” means The ProRetiree. By accessing this Website, you agree to be bound by these Terms and Conditions of Use (Terms of Use). Your access to and use of the Website is subject to these Terms of Use. We do not represent or warrant that this website or content contained herein complies with the laws of any country outside of Australia. If you are located outside Australia your use of this website at your own discretion. Website Content You understand and agree that all material, information and data accessed or used by, or provided to, you through the Website (the Website Content) is the intellectual property of The ProRetiree or any relevant third parties from whom The ProRetiree may license that Website Content. You may not modify, record, rent, lease, loan, sell, distribute or create derivative works based on any of the Website Content (either in whole or in part) unless you have been specifically told that you may do so by The ProRetiree or by the owners of that Website Content, in a separate agreement. You understand that by using the Website you may be exposed to Website Content that you may find offensive, indecent or objectionable and that, in this respect, you use the Website, including obtaining and using any information, products and services, at your own risk. Intellectual Property All content and data included on our website, including but not limited to graphics, text, logos, button icons, and software, is the property of The ProRetiree or our suppliers and contributors and is protected by copyright laws. No content may be reproduced or used without express written permission from us and any other copyright holder. Any images of persons or personalities contained on our website shall not be an indication of endorsement of any particular product or our service unless otherwise specifically indicated. Images on this website come from multiple sources including The ProRetiree, RT Hàg, Free Images (HAAP Media Ltd, a subsidiary of Getty Images), Shutterstock and are copyright to those companies and individuals and are used in accordance with their licence agreements. We gratefully acknowledge the generosity of photographers who have made their images available. User Content If you upload information or content (User Content) in the course of accessing or using the Website, you agree that such User Content will be available to The ProRetiree to use in any manner it thinks fit, subject to applicable provisions of the The ProRetiree Privacy Policy and any legislation, including, without limitation, the Privacy Act 1988 (Cth). You agree that you will not upload or otherwise provide any User Content which:
Disclaimers Except as provided by law, the Website is provided “as is” and without any express or implied warranty of any kind. The ProRetiree does not warrant that access to or use of the Website will be uninterrupted or error free or that the Website or any material on or accessible through the Website is free from errors or viruses, worms, trojan horses or other harmful components. You acknowledge that your access to and use of the Website (including the software operating in connection with the Website) may be interfered with by numerous factors outside the control of The ProRetiree. The ProRetiree does not warrant anything about the reliability, accuracy, completeness, timeliness, quality, physical state or suitability for a particular purpose of any material on or accessible through the Website. You accept all risks and responsibility for all loss, damage, costs and other consequences resulting from using the Website or the material on or accessible through the Website. Limitation of Liability You agree that The ProRetiree is not liable to you or anyone else for any loss or damage (including, without limitation, any direct, indirect, special or consequential loss) arising as a result of breach of these Terms, in tort (including negligence) or otherwise arising out of, or in connection, with:
(ii) the repair of the goods; (iii) the payment of the costs of replacing the goods or acquiring equivalent goods; or (iv) the payment of the costs of having the goods repaired.
(ii) the payment of the cost of having the services supplied again. Indemnity You indemnify The ProRetiree against any action, liability, claim, loss, damage, proceeding, expense (including legal costs) suffered or incurred by The ProRetiree, arising from, or which is directly or indirectly, related to:
Suspension or Termination of Access The ProRetiree reserves the right to deny you access to, or use of, all or part of the Website, without prior notice, if you engage in any conduct that The ProRetiree believes, in its sole discretion violates any provision of these Terms of Use, violates the rights of The ProRetiree or third parties or is otherwise inappropriate. Links This Website, including eNewsletters, may contain links to third party websites. The inclusion of a link does not imply that The ProRetiree has endorsed or verified the linked websites. The ProRetiree makes no warranty or representation concerning these links or the linked websites and you enter any third-party websites at your own risk. It is your responsibility to review any terms of use or privacy policies relevant to such websites. The Website, including eNewsletters, may feature or display third party advertising. The third-party advertisers are responsible for the accuracy of all representations made in those advertisements. Neither The ProRetiree, nor its officers, employees, agents or related bodies corporate recommend or endorse the goods or services that may be advertised on the Website, nor do they offer the goods or services for sale or make any other representation whatsoever about them. If you choose to order a product or service advertised by a third party on the Website, you do so at your own risk. Competitions The ProRetiree may from time to time run competitions or other promotions on this Website. These will be subject to additional terms and conditions that will be made known to you at the relevant time. Privacy Policy We are committed to protecting your personal information and meeting the Australian Privacy Principals contained in the Privacy Act 1988 (Cth) (the Act) as amended from time to time. The The ProRetiree Privacy Policy can be viewed above at http://www.theproretiree.com. General The ProRetiree reserves the right to amend these Terms of Use at any time without notice to you. Your continued use of the Website after such change constitutes an agreement by you to abide by the Terms of Use, as amended. If any of these Terms of Use are invalid or unenforceable, they may be struck out and the remaining Terms of Use will continue to be of full force and effect. No waiver of any breach of these Terms will be construed as a waiver of any other breach of these Terms. These Terms are governed by the laws of the State of New South Wales, Australia and any claim made by either party against the other which in any way arises out of the Terms will be heard in New South Wales and you agree to submit to the jurisdiction of those courts. These Terms were last updated on 4 March 2020. For further information on using this site, please contact: The ProRetiree PO Box 913, Central Avenue, Manly 1655, NSW admin@theproretiree.com Copyright 2020 – The ProRetiree - All Rights Reserved |
WE ARE HEADQUARTERED IN PICTURESQUE SYDNEY HARBOUR
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The ProRetiree
PO Box 913, Central Avenue, Manly 1655 NSW Australia© © The ProRetiree 2020 All Rights Reserved |