Privacy Policy

Effective as of June 13, 2021

As the owner of this website https://retirementtipsandtricks.com (the “Site”), KOALEKI CREATORS V.O.F. (“we” or “us”) understand that your privacy is of critical importance.  This Privacy Policy describes what information we collect from you via the Site and how we use and disclose such information.

Our Use of Cookies

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.  Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

We use cookies for the following purposes: 

(a) [authentication – we use cookies to identify you when you visit our website and as you navigate our website];

(b) [status – we use cookies [to help us to determine if you are logged into our website];

(c) [personalization – we use cookies [to store information about your preferences and to personalize the website for you];

(d) [security – we use cookies [as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally];

(e) [advertising – we use cookies [to help us to display advertisements that will be relevant to you]; and

(f) [analysis – we use cookies [to help us to analyze the use and performance of our website and services];

We use Google Analytics to analyze the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google’s privacy policy is available at: https://www.google.com/policies/privacy/

Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

(a) https://support.google.com/chrome/answer/95647?hl=en (Chrome);

(b) https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);

(c) http://www.opera.com/help/tutorials/security/cookies/ (Opera);

(d) https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);

(e) https://support.apple.com/kb/PH21411 (Safari); and

(f) https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

Please note that blocking cookies may have a negative impact on the functions of many websites, including our Site. Some features of the Site may cease to be available to you.

Interest-Based Advertising

Advertising 

This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. To learn more about CafeMedia’s data usage, click here: www.cafemedia.com/publisher-advertising-privacy-policy

Email Addresses

We may collect your email address, but only if you voluntarily provide it to us. This may occur, for example, if you sign up to receive an email newsletter, or enter a promotion.  [Option 1] [if you have provided your email address to us, we promise to use it only for the purposes for which it is provided.  We will not use your email address to contact you for unrelated reasons.] [Option 2] [We will use your email address for the purposes for which you provided it to us, and also from time to time to send you emails regarding the Site or other products or services that we believe may be of interest to you.  You may opt out of such email communications at any time by clicking the “unsubscribe” button in the email.]

[Option 1] [We will not share your email address with any third parties.] [Option 2] [Your email address may also be shared with the technology provider we use in connection with the purposes for which you provided it, and that technology provider may also contact you from time to time. ]

[Option 1] [If you are a resident of a country in the European Economic Area (EEA), we do not wish to receive your email address, and will delete it you have provided it inadvertently.] [Option 2] [If you are a resident of a country in the European Economic Area (EEA), please refer to the section below entitled “Additional Rights of EEA Residents.”]

All the information regarding our newsletter and any of our free downloadable content subscriptions is hosted via a third-party SendinBlue. The privacy policy of SendinBlue is available at: https://www.sendinblue.com/legal/privacypolicy/

Digital Products via Easy Digital Downloads

We use third-party plugin Easy Digital Downloads to sell our digital products. Your data regarding the purchase of a digital product is hosted via Easy Digital Downloads.

We collect information about you during the checkout process on our store. This information may include but is not limited to, your name, billing address, shipping address, email address, phone number, credit card/payment details and any other details that might be requested from you for the purpose of processing your orders.

Handling this data also allows us to:
– Send you important account/order/service information.
– Respond to your queries, refund requests, or complaints.
– Process payments and to prevent fraudulent transactions. We do this on the basis of our legitimate business interests.
– Set up and administer your account, provide technical and/or customer support, and to verify your identity.

Additionally, we may also collect the following information:
– Location and traffic data (including IP address and browser type) if you place an order, or if we need to estimate taxes and shipping costs based on your location.
– Product pages visited and content viewed while your session is active.

Third parties

The website may contain links to websites or access to applications that are operated by third parties. We do not control and accept no liability or responsibility for those websites.

Please consult the terms and conditions and privacy policy of those third-party websites to find out how they collect and use your personal data and to establish whether they use cookies and what they may use them for.

We are publishers for several affiliate networks. This means we’re able to promote products and services in which we believe and earn a commission on this. When a user clicks on an affiliate link, a tracking cookie is placed.

We are a participant in the ShareASale, Commission Junction, Impact, Rakuten Advertising, and Amazon Services LLC Associates Program, affiliate advertising programs designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com and other websites.

Retirement Tips and Tricks also participates in affiliate programs with Booking.com, Rentalcars.com, CruiseDirect.com, Senior.com, Adsense, and other sites. We are compensated for referring traffic and business to Amazon and other companies linked to on this site. As an Amazon Associate, we earn from qualifying purchases.

When an article contains affiliate links, we always mention this at the top of the article.

Transactional Data

[We may process information relating to transactions, including purchases of goods and services, that you enter into with us and/or through our Site] (“Transactional Data“). The Transactional Data may include your contact details, your card details and the transaction details. The transaction data may be processed for the purpose of supplying the purchased goods and services and keeping proper records of those transactions.  [Payment processing on our Site is handled by our payment services provider, Paypal. We will share transaction data with our payment services providers only to the extent necessary for the purposes of processing your payments, refunding such payments and dealing with complaints and queries relating to such payments and refunds. You can find information about the payment services providers’ privacy policies and practices at https://www.paypal.com/en/webapps/mpp/ua/privacy-full

Sale of Business or Assets

In the event that the Site or substantially all of its assets is sold or disposed of as a going concern, whether by merger, sale of assets or otherwise, or in the event of an insolvency, bankruptcy or receivership, the information we have collected about you may be one of the assets sold or merged in connection with that transaction.

Changes to the Privacy Policy

We may change this Privacy Policy from time to time. The most recent version of the Privacy Policy will always be posted on the Site, with the “Effective Date” posted at the top of the Policy. We may revise and update this Privacy Policy if our practices change, as technology changes, or as we add new services or change existing ones. If we make any material changes to our Privacy Policy or how we handle your personal information, or we are going to use any personal information in a manner that is materially different from that stated in our Privacy Policy at the time we collected such information, we will give you a reasonable opportunity to consent to the change. If you do not consent, your personal information will be used as agreed to under the terms of the privacy policy in effect at the time we obtained that information. By using our Site or services after the Effective Date, you are deemed to consent to our then-current privacy policy. We will use information previously obtained in accordance with the Privacy Policy in effect when the information was obtained from you.

Contacting Us

If you have any questions about this Privacy Policy, or the practices of this Site, please contact us at privacy@retirementtipsandtricks.com

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