Modern Retirement

Depending on what you do when you visit any Web site, you are providing information about your visit to the site's owners. ModernRetirement.com values your privacy and we want you to have the information you need to make your own decisions about your personal privacy. When you visit or supply information to any Web site, we think you should first understand what that site's privacy policies are. If the site doesn't tell you, don't hesitate to ask.

The bottom line at ModernRetirement.com is that we use the information that we get from your visit for internal tracking purposes, to make the ModernRetirement.com website as useful and interesting to you as we can, and to respond to your requests for information or other services. Except as specifically noted below, we do not use your personal information for any other purpose, we never sell it to any third party, and we never share it with any third party.

When you visit ModernRetirement.com and move from page to page, read pages, or download content onto your computer, we learn which pages are visited, what is downloaded, the domains our visitors come from (e.g. 'aol.com,' or 'google.com') and the addresses of sites visited immediately before coming to our site. However, none of this is associated with you as an individual. It is measured only in aggregate.

ModernRetirement.com uses cookie technology as part of our login procedures for some content and our message forums. The information in the cookies lets us store your login information so you do not have to enter it many times during your session. These cookies do not capture your email address or other personal information, and cannot be read by any site other than ModernRetirement.com.

We also use standard web server log files, to help us count visitors and evaluate our site's technical capacity. We use this information to find out how many people visit ModernRetirement.com, help us arrange the pages in the most user-friendly manner, keep the site browser-friendly, and ultimately make our pages more useful to our visitors. We record information on site traffic for advertising purposes, but not information on individual visitors to our site, so no information about you in particular will be kept or used.

When you send us an email to ask us a question, request information, or comment on something, we learn your exact email address and the thoughts you share.

We use your email address to thank you for your comment and/or reply to your question, and we will store your communication and our reply in case we correspond further.

When you send an email requesting information about a retirement location or submit a question pertinent to the advisors listed in Modern Retirement’s various directories, you will have the option to request that a representative in that field contact you regarding your question. No private information will be given, sold or otherwise provided to any third party except by your specific request.

ModernRetirement.com requires valid email addresses of our registered users and subscribers for three reasons. First, email is the best method for providing your initial login information for message forums and other areas. Your valid email address proves that you actually exist, and lets us get this information to you quickly. Second, we use your email address to notify you, if you request, of other changes to our services. Third, we allow you to opt-in to various email announcements concerning our services and those of our advertisers.

ModernRetirement.com also provides the ability for users to enter an alternate email address for a pager, cell phone, or other wireless device. These email addresses are used exclusively for specifically-designed updates that you select and fully control. Our Privacy Policy with respect to Email above also applies to these devices.

ModernRetirement.com utilizes banner ads and other advertisements that are purchased by various companies. We supply these companies with information on ModernRetirement.com's traffic and other general demographic information on our readers, but we provide this information in aggregate, and DO NOT give them any of our subscriber or registration information unless you specifically opt in for those services. Again, any information you enter in a registration form or other information is protected by this privacy policy, and we WILL NOT give this information to anyone.

We use various third-party advertising companies to serve ads when you visit our Web site. These companies may use information about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you. Such usage may include geographical targeting by IP address, as well as other methods.

In the course of serving advertisements to this site, our third-party advertiser may place or recognize a unique "cookie" on your browser.

Please remember that when you use a link to go from ModernRetirement.com to another web site, the ModernRetirement.com Privacy Policy is no longer in effect. Your browsing and interaction on any other web site, including sites which have a link on ModernRetirement.com, is subject to the rules and policies of that site. Please read over those rules and policies before proceeding.

ModernRetirement.com takes privacy matters very seriously and intends to stay at the forefront of privacy policy and protection matters. If you have any questions, comments, criticisms, or complaints about ModernRetirement.com's privacy policy or other policies and/or the way they affect you, please feel free to contact us at info@modernretirement.com.

In certain situations involving criminal or civil court matters, ModernRetirement.com could be asked to release your personal information to judges, police, law enforcement personnel, officers of a court, or other entities. By subscribing to our services, you agree that ModernRetirement.com is in no way liable for any result of the release of this information at our discretion, and that ModernRetirement.com has the right to disclose this information upon request to a third party, if, from a legal standpoint, ModernRetirement.com feels that it is necessary or in ModernRetirement.com' best interests to do so.

In addition, by using this site and/or registering on this site, you agree that, should there be any dispute regarding the above release of personal information, this agreement shall be governed pursuant to the laws of the State of Alabama and venue for such a dispute or any other dispute shall be in Houston County, Alabama (at the sole discretion of Modern Retirement.com). If such a dispute is filed and ModernRetirement.com is forced to defend its right to release personal information, you agree that ModernRetirement.com, upon successfully defending this right, shall be entitled to obtain its costs of defense, including attorneys fees.