Privacy Policy · RetireMint

RetireMint (“we” or “us”) values you as our customer and recognizes that privacy is important to you. This Privacy Statement explains how we collect, use, and disclose data when you use our platform and associated services, and tells you how to contact us.

Privacy Statement Summary

This is a summary of our Privacy Statement. To review our Privacy Statement in full, please scroll down.

What does this Privacy Statement cover?

This Privacy Statement is designed to describe:

How and what type of personal information we collect and use
When and with whom we share your personal information
What choices you can make about how we collect, use, and share your personal information

What personal information do we collect and use, and how do we collect it?

We collect personal information when:

You give us the information
We collect it automatically
We receive it from others

When you create an account on our site, sign up to receive offers or information, or make a booking using our platform, you give us your personal information. We also collect such information through automated technology such as cookies placed on your browser, with your consent where applicable, when you visit our site. We may receive information from business partners and other third-parties, which help us improve our platform and associated tools and services, update and maintain accurate records, potentially detect and investigate fraud, and more effectively market our services.

How is your personal information shared?

Your personal information may be shared with the service provider or product supplier that you book through our site to help you book your meeting or reservation, assist with your retirement planning, communicate with you (including when we send information on products and services or enable you to communicate with retirement service providers), and comply with the law.

What are your rights and choices?

You can exercise your data protection rights in various ways. For example, you can opt out of marketing by clicking the “unsubscribe” link in the emails, in your account as applicable, or contacting our customer service. Our Privacy Statement has more information about the options and data protection rights available to you.

How to contact us

For any questions regarding our privacy practices, please contact info@retiremint.ca with your specific questions and/or concerns.

Categories of Personal Information We Collect

When you use our platform or associated tools or services, we may collect the following kinds of personal information from you only as needed:

Name, email address, telephone number, and home, business, and billing addresses
Government issued Identification required for booking or identity verification, such as passport, driver’s license, and government redress numbers, and for retirement service providers, tax identification number
Payment information such as payment card number, expiration date, and billing address
Loyalty program and membership information
Birth date and gender
Geolocation
Images, videos, and other recordings - only those wilfully uploaded to the site
Social media account ID and other publicly available information
Communications with us (such as recordings of calls with customer service representatives for quality assurance and training purposes)
Searches you conduct, transactions, and other interactions with you on our online services and Apps
Other communications that occur through the platform among partners and retirees, and in-group chat and planning tools
The searches and transactions conducted through the platform
Data you give us about other people, such as your planning partners or others for whom you are making a booking

When you install any of our apps or use our platform, we automatically collect the following types of information from your device:

IP address
Device type
Unique device identification numbers
Internet browser-type (such as Firefox, Safari, Chrome, and Internet Explorer)
Internet Service Provider
Operating System
Mobile carrier
How your device has interacted with our online services, including the pages accessed, links clicked, Coaches viewed, and features used, along with associated dates and times
Details of any referring website or exit pages, as well as general geographic location (such as at the country or city-level)

Permissions for Location-Based Services:

Depending on your device’s settings and permissions and your choice to participate in certain programs, we may collect the location of your device by using GPS signals, cell phone towers, Wi-Fi signals, Bluetooth or other technologies. We will collect this information, if you opt in through the app or other program (either during your initial login or later) to enable certain location-based services available within the app (for example, locating available services closest to you). To disable location capabilities of the app, you can log off or change your mobile device’s settings.

Use of Personal Information

We use your personal information for various purposes described below.

Your Use of Online Site, Apps, and Services:

Book the requested retirement service or product order
Provide services related to the booking and/or account
Create, maintain, and update user accounts on our platform and authenticate you as a user
Maintain your search and booking history, retirement and planning preferences, and similar information about your use of RetireMint, and as otherwise described in this Privacy Statement
Enable and facilitate acceptance and processing of payments, coupons, and other transactions
Administer loyalty and rewards programs
Collect and enable booking-related reviews
Help you to use our services faster and easier through features like the ability to sign-in using your account within the online services

Communications and Marketing:

Respond to your questions, requests for information, and process information choices
Enable communication between you and the retirement service providers
Contact you (such as by text message, email, phone calls, mail, push notifications, or messages on other communication platforms) to provide information like meeting booking confirmations and updates, for marketing purposes, or for other purposes as described in this Privacy Statement
Market our products and services, optimize such marketing to be more relevant to you, and measure and analyze the effectiveness of our marketing and promotions
Administer promotions like contests, sweepstakes, and similar giveaways

Other Business Purposes and Compliance

Conduct surveys, market research, and data analytics
Maintain, improve, research, and measure the effectiveness of our sites and apps, activities, tools, and services
Monitor or record calls, chats, and other communications with our customer service team and other representatives, as well as platform communications between or among partners and users for quality control, training, dispute resolution, and as described in this Privacy Statement
Create aggregated or otherwise anonymized or de-identified data, which we may use and disclose without restriction where permissible
Promote security, verify identity of our customers, prevent and investigate fraud and unauthorized activities, defend against claims and other liabilities, and manage other risks
Comply with applicable laws, protect our and our users’ rights and interest, defend ourselves, and respond to law enforcement, other legal authorities, and requests that are part of a legal process
Comply with applicable security and anti-terrorism, anti-bribery, customs and immigration, and other such due diligence laws and requirements
Operate our business using lawful business purposes and as permitted by law

Lawful bases for processing:

We will collect personal information from you only (i) where the personal information is necessary to perform a contract with you (e.g., manage your booking, process payments, or create an account at your request), (ii) where the processing is in our legitimate interests and not overridden by your rights (as explained below), or (iii) where we have your consent to do so (e.g., sending you marketing communications where consent is required). In some cases, we will have a legal obligation to collect personal information from you such as where it is necessary to use your transaction history to complete our financial and tax obligations under the law.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory or not (as well as of the possible consequences if you do not provide your personal information).

Certain countries and regions allow us to process personal information on the basis of legitimate interests. If we collect and use your personal information in reliance on our legitimate interests (or the legitimate interests of any third-party), this interest will typically be to operate or improve our platform and communicate with you as necessary to provide our services to you, for security verification purposes when you contact us, to respond to your queries, undertaking marketing, or for the purposes of potentially detecting or preventing illegal activities.

We may in some cases use automated decision-making, for example, in relation to assessing fraudulent transactions or suspicious activity on our site. As part of this processing, automated decisions may be made by putting your personal information into a system and the decision is calculated using automatic processes. If you pose a fraud risk, this may affect your ability to book on our site. You may have rights in relation to automated decision making, including the ability to request a manual decision-making process instead or contest a decision based solely on automated processing.

Sharing of Personal Information

We share your personal information as described below and in this Privacy Statement, and as permitted by applicable law.

Coaches (i.e. retirement service provider). We share personal information with retirement-related suppliers such as financial advisors, estate planners, coaches or psychology specialists, insurance, activity and fitness coaches, and where available, activity providers or other partners who fulfill your booking. Please note that retirement service suppliers may contact you to obtain additional information if and as required to facilitate your booking or to otherwise provide the planning or associated services.
Third-party service providers. We share personal information with third-parties in connection with the delivery of services to you and the operation of our business (for example, to provide credit card processing, customer service, business analytics, and fraud prevention and compliance services, and to serve you with advertising tailored to your interests). These third-party service providers are required to protect personal information we share with them and may not use any directly identifying personal information other than to provide services we contracted them for. They are not allowed to use the personal information we share for purposes of their own direct marketing (unless you have separately consented with the third-party under the terms provided by the third-party).
Business partners and offers. If we promote a program or offer a service or product in conjunction with a third-party business partner, we will share your information with that partner to assist in marketing or to provide the associated product or service. In most of those cases, the program or offer will include the name of the third-party business partner, either alone or with ours, or you will be redirected to the website of that business with notice. An example of such a business-partner relationship would be a third-party loyalty program for which you could earn points by completing a booking on our platform.
Other Third-Parties. When you access certain features like Facebook’s “Like” button or a single sign-on that allows you to login with your social media credentials to our online services, you will share information with the third-party, like a social media company, such as the fact that you have visited or interacted with us. The third-party provider may combine this information with other information they have about you. The personal information shared will be governed by the third-party provider’s privacy policy (including any personal information we may access via the third-party provider). The third-party providers should inform you about how you can modify your privacy settings on their site.
Legal rights and obligations. We may disclose your personal information to enforce our policies, or where we are permitted (or believe in good faith that we are required) to do so by applicable law, such as in response to a request by a law enforcement or governmental authority, in connection with actual or proposed litigation, or to protect and defend our property, people and other rights or interests. We may also share your personal information pursuant to a subpoena or other legal request, or as necessary to remit certain taxes in the course of processing payments as required by law or legal process.
Corporate. We may share your personal information in connection with a corporate transaction, such as a divestiture, merger, consolidation, assignments or asset sale, or in the unlikely event of bankruptcy. In the case of any acquisition, we will inform the buyer it must use your personal information only for the purposes disclosed in this Privacy Statement.

Data Collection and Sharing with Third-Party Tools

Data Shared with Third-Party Tools

At RetireMint, we utilize third-party tools, such as those provided by Google API Services, to enhance your experience on our platform. RetireMint does not disclose any data to third-party tools or companies. Any use of such services, such as Google Auth Login or Google Calendar, uses direct use of Google API services, thus not requiring any disclosure of personal information provided to RetireMint.

RetireMint’s use of Google APIs adhere to Google API Services User Data Policy. Google API Services User Data Policy.

User Consent for Data Sharing

We prioritize your privacy and are committed to ensuring that you have control over your data. We do not share any information with third-party tools, and any agreement to utilize such tools, such as Google Calendar API, requires your explicit consent and confirmation.

Ensuring Privacy Compliance

RetireMint adheres to Google's privacy compliance requirements. We continuously review our data practices to uphold the highest standards of privacy protection.

Your Rights and Choices

You have certain rights and choices with respect to your personal information, as described below:

If you have an account with us, you may change your communication preferences by either (1) logging in and updating the information in your account or (2) contacting us here
You can control our use of certain cookies by following the guidance in our Cookie Statement
You can update the accuracy of your information at any time by either logging into your account or contacting us
If you no longer wish to receive marketing and promotional emails, you may unsubscribe by clicking the ‘unsubscribe’ link in the email. You can also log into your account to change communication settings. Please note that if you choose to unsubscribe from or opt out of marketing emails, we may still send you important transactional and account-related messages from which you will not be able to unsubscribe
If we are processing your personal information on the basis of consent, you may withdraw that consent at any time by contacting us. Withdrawing your consent will not affect the lawfulness of any processing that occurred before you withdrew consent and it will not affect our processing of your personal information that is conducted in reliance on a legal basis other than consent

Certain countries and regions provide their residents with additional rights relating to personal information. These additional rights vary by country and region and may include the ability to:

Request a copy of your personal information
Request information about the purpose of the processing activities
Delete your personal information
Object to our use or disclosure of your personal information
Restrict the processing of your personal information
Opt-out of the sale of your personal information
Port your personal information
Request information about the logic involved in our automated decision-making used in our fraud prevention practices and the result of such decisions

In addition to the above rights, you may have the right to complain to a data protection authority about our collection and use of your personal information. However, we encourage you to contact us first so we can do our best to resolve your concern. You may submit your request to us using the information in the Contact Us section. We respond to all requests we receive from individuals wanting to exercise their personal data protection rights in accordance with applicable data protection laws.

Security

We want you to feel confident about using our platform and all associated tools and services, and we are committed to taking appropriate steps to protect the information we collect. While no company can guarantee absolute security, we do take reasonable steps to implement appropriate physical, technical, and organizational measures to protect the personal information that we collect and process.

Record Retention

We will retain your personal information in accordance with all applicable laws, for as long as it may be relevant to fulfill the purposes set forth in this Privacy Statement, unless a longer retention period is required or permitted by law. We will deidentify, aggregate, or otherwise anonymize your personal information if we intend to use it for analytical purposes or trend analysis over longer periods of time.

The criteria we use to determine our retention periods include:

The duration of our relationship with you, including any open accounts you may have with RetireMint, or recent bookings or other transactions you have made on our platform
Whether we have a legal obligation related to your personal information, such as laws requiring us to keep records of your transactions with us
Whether there are any current and relevant legal obligations affecting how long we will keep your personal information, including contractual obligations, litigation holds, statutes of limitations, and regulatory investigations

Cookie Statement

Types of cookies and similar technologies

Cookies

Cookies are small pieces of text sent as files to your computer or mobile device when you visit most websites. Cookies may be delivered by us (first party cookies) or delivered by a third-party partner or supplier (third-party cookies). Cookies are either session cookies or persistent cookies. Session cookies enable sites to recognize and link the actions of a user during a browsing session and expire at the end of each session. Persistent cookies help us recognize you as an existing user and these cookies are stored on your system or device until they expire, although you can delete them before the expiration date.

Other similar technologies

Web beacons, gifs, and clear gifs are tiny graphics, each with a unique identifier that are embedded invisibly on sites and in emails. Web beacons allow us to know if a certain page was visited or if ad banners on our sites and other sites are effective. We also use web beacons in our HTML-based emails to let us know whether our emails have been opened by recipients, which helps us to gauge the effectiveness of certain communications, promotions, and marketing campaigns.
Proximity based beacons send one-way signals over very short distances, to communicate with associated mobile apps installed on your phone. They can notify you, for example, about experiences related to your booking and can alert you to related deals or promotions. Beacons communicate with your device only when you are in close proximity and only if you have given consent within the relevant mobile application.
Pixels are small objects embedded into a web page that are not visible to the user. We use pixels to deliver cookies to your computer, facilitate the log-in process, monitor the activity on our sites, and deliver online advertising.
Tags are small pieces of HTML code that tell your browser to request certain content generated by an ad server. We use tags to show you relevant advertising and promotions.
Scripts are pieces of JavaScript code that launch automatically when certain webpages load, to determine whether users view associated advertisements.
Local Storage Objects, such as HTML 5, are used to store content and preferences. Third-parties with whom we partner to provide certain features on our site to display advertising based upon your web browsing activity use Local Storage Objects to collect and store information.

All of the technologies described above will be collectively referred to in this Cookie Statement as “cookies”.

Use of cookies

We use cookies for a number of reasons, including to:

Help us improve your experience when visiting our sites
Fulfill transactions and ensure our sites perform as intended
Remember your preferences, such as language, region, or currency
Provide you with relevant advertising and analyze performance of the ads
Enable you to return to previous retirement service searches
Identify errors on our sites
Help with data protection and potentially detect and investigate malicious or fraudulent activity
Help us understand traffic to our site, including time and date of the visit, time and date of the last visit, and other information
Analyze how well our sites are performing
Types of information collected by cookies

The types of information that we collect through cookies include:

IP address
Device ID
Viewed pages
Browser type
Browsing information
Operating system
Internet Service Provider
Whether you have responded to, or interacted with, an advertisement
Referring or referred links or URLs
Features used and activities engaged in on our sites and in our apps

Types and functions of cookies

Essential Cookies

Certain cookies are required or “essential” for our sites to function as intended. Essential cookies are necessary for you to navigate our site and use certain features like logging in to your account and managing your bookings. These cookies are also used to remember security settings that allow access to particular content. Lastly, we use essential cookies to collect information on which web pages visitors go to most, so we can improve our online services. You are not able to opt out of essential cookies.

Other Types of Cookies

We also use other types of cookies to make our site engaging and useful to you:

Functional Cookies. We want to make sure when you visit our site, your preferences (such as your preferred language), settings, and previous searches are remembered.
Analytics Cookies. We use analytics cookies to:

Understand our site’s performance and how it is used, including the number of visitors, how long you stay on the site, and which parts of the site you visit. We can see details about how visitors interacted with the site, like the number of clicks visitors made on a given page, their mouse movements and scrolling activity, the search words visitors used, and the text visitors enter into various fields
Test different designs and features for our site
Monitor how our visitors reach our sites
Determine effectiveness of our advertising
Improve our services, including your experience on our site

For analytics, our third-party service providers may use cookies to perform their services and may combine the information that they collect about you on our sites with other information that they have collected. For example, we use Google analytics cookies to monitor the performance of our sites. Our ability to use and share information collected by Google Analytics about your visit to our sites is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. This Cookie Statement does not cover such third-parties’ use of your information.

Some analytics cookies can perform tasks essential and/or functional to online services like enabling site improvements and testing changes on a site.

Advertising Cookies. RetireMint and our third-party advertising partners may use advertising cookies to show you advertisements both on and off our sites that are based on your interests. We may allow third-parties to collect information about your online activities through cookies to perform their services and may combine the information that they collect about you on our sites with other information that they have collected. These third-parties include business partners who collect information when you view or interact with one of (1) their advertisements on our sites or (2) our advertising or booking information on their sites and advertising networks, which collect information about your interests when you view or interact with one of the advertisements or tracking mechanisms they place on many different sites on the Internet. Our partners may make assumptions about your interests, characteristics, or preferences and add you to groups based on those assumptions in order to show you tailored advertisements. RetireMint does not have access to the cookies these third-parties may use to collect information about your interests, and the information practices of these third-parties are not covered by this Cookie Statement or our Privacy Statement. Some of these companies are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies.

Your information choices

You can choose not to receive tailored online advertising on this site and other sites and learn more about opting out of having your information used for tailored advertising purposes by accessing one of the following resources:

For Canada: http://youradchoices.ca/choices/
For U.S. and rest of world:

http://www.aboutads.info/choices/
http://optout.networkadvertising.org/

Note that if you choose not to receive tailored ads, you will still see online advertisements, but they will be general and less relevant to you.

How can you manage your cookies?

You can set or amend your web browser controls to accept or refuse cookies whenever you like, but please remember if you do choose to reject cookies, your access to some of the functionality and areas of our site may be restricted.

Updates to Privacy Statement

We may update this Privacy Statement in response to changing laws or technical or business developments. You can see when this Privacy Statement was last updated by checking the “last updated” date displayed at the top of this Statement.

Contact Us

If you have any questions or concerns about your use of personal information please contact us by emailing info@retiremint.ca.

Privacy Statement and Cookie Statement