Privacy

TERMS AND CONDITIONS          

Privacy Policy  Lifecalculator.net is committed to protecting the privacy of our subscriber’s personal information.  This Privacy Policy applies with respect to the information we collect on our site, www.lifecalculator.net.   By viewing or using the Lifecalculator.net or related websites, you are expressly agreeing to the terms and conditions of this Privacy Policy, and the collection and use by Lifecalculator.net and any other parties herein identified of information collected on the website, including personally identifiable information, in accordance with this Privacy Policy.  We reserve the right to make modifications to the Privacy Policy, if needed, from time to time.  A revised Privacy Policy will be posted at this URL and will be effective when posted for all information collected on or after that date.  Your continued use of this website following the posting of any amendment, modification, or change shall constitute your acceptance of such amendment, modification or change.

Information Collected   As you navigate within our website, we may ask you to provide certain information about yourself.  This information will be collected via on-line forms.  It is your option whether or not to provide this information and engage in these activities.  If you choose to participate in these activities, you may be asked to provide such information as your name, email address, year of birth, gender, level of education, income, and zip code.    

Use of Information  In general, we will only use the information you provide to us for the purpose for which such information was provided.  This information will be used to allow you access to the website and to fully engage in the activities of the site.  Information in a non-personally identifiable form may also be used for statistical purposes and may be shared with any preferred provider of the website.  A list of all preferred providers will be posted on the website, with links to the privacy policies of each provider.

Security  Any area of our site that requires you to reveal financially sensitive information will be encrypted with 256-byte SSL technology.  Credit card information, necessary to subscribe to the website, will not be stored on Lifecalculator.net, but rather by Authorize.net, a secure site.  The Privacy Policy of Authorize.net {http://authorize.net/company/privacy} applies to the collection of all information necessary to complete a credit card subscription.

Cookies  When you view our website, we might store some information on your computer.  This information will be stored in the form of a “cookie” or similar file.  Cookies are small pieces of information stored on your hard drive, not on our site.  Cookies do not spy on you or otherwise invade your privacy and they cannot invade your hard drive and steal information.  Rather they help you to navigate our website as easily as possible.
 
Advertisers  At the present time, Lifecalculator.net does not collect or share any information collected on the website, whether via cookies or other means, with any advertisers.  We reserve the right at any time in the future to sell or share the information we collect with direct marketers to perform marketing services on our behalf or on behalf of others, or directly to financial institutions, insurance companies, and others with whom we may contract.

Links  Lifecalculator.net contain features that may link you to third parties’ web sites.  These features are provided only as a convenience.  Lifecalculator.net is not responsible for the privacy practices or content of any linked sites, nor does the link constitute an endorsement of or association with the linked site.  It is your responsibility to determine the terms and conditions for use of any linked site.
           
Public Forums  This website sponsors the Network, an opportunity for experts, guests, subscribers, and other to share information, post comments, and carry on on-line discussions.  You should remember that any information that is disclosed as part of the Network becomes public information and you should exercise caution when decide whether or not to disclose personal information.  We intend for The Network to become a supportive community of open, honest, and informed discussion.  Its primary purpose is educational to give subscribers information for achieving their personal goals of financial independence. Confidentiality, when requested, must be respected. The Network reserves the right to delete any comment or posting that is lewd or obscene, defamatory or otherwise a violation or infringement of any law or right of any person, or not germane to the purposes of the site.

Intellectual Property  All rights to Lifecalculator.net and all the contents of the website belong to and are the exclusive property of The Connell Group.  These materials are protected by copyright, patent, trademark, and other intellectual property laws.  Any reproduction, distribution, transmittal, or other providing access to the content of the website of Lifecalculator.net or any effort to reverse engineer any of its software is expressly prohibited. No use may be made of any material on the website without the express, written approval of The Connell Group, except as stated in the following paragraph.

Subscribers’ Use of Materials Permission is granted to subscribers to download and print single copies of materials from this website solely for the purpose of personal and non-commercial use.  All other copying, distribution, display, retransmission or modification of information or materials on this site, whether in electronic or hard-copy form, without the express prior written approval of the Connell Group is strictly prohibited. Only one individual may access Lifecalculator.net at the same time using the same user name or password.  Your subscription and, therefore, your user name and password, are not transferable. Any attempt to transfer your subscription or to alter the initial identifying information submitted at the time of subscribing may lead to the immediate termination of your subscription and access to the website.