Disclosure

Note: I took the generous offer from Gen Y Finance Guy to borrow the text from his disclosure page.

Web Site Terms and Conditions of Use

  1. Terms
    By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.
  2. Use License
    a. Permission is granted to temporarily download one copy of the materials
    (information or software) on StepsToEarlyRetirement.com’s web site for personal,
    non-commercial transitory viewing only. This is the grant of a license,
    not a transfer of title, and under this license you may not:
    i. modify or copy the materials;
    ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
    iii. attempt to decompile or reverse engineer any software contained on StepstoEarlyRetirement.com’s web site;
    iv. remove any copyright or other proprietary notations from the materials; or
    v. transfer the materials to another person or “mirror” the materials on any other server.
    b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by StepsToEarlyRetirement.com at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
  3. Disclaimer
    a. The materials on StepsToEarlyRetirement.com’s web site are provided “as is”. StepsToEarlyRetirement.com makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, StepsToEarlyRetirement.com does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
  4. Limitations
    In no event shall StepsToEarlyRetirement.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on StepsToEarlyRetirement.com’s Internet site, even if StepsToEarlyRetirement.com or a StepsToEarlyRetirement.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
  5. Revisions and Errata
    The materials appearing on StepsToEarlyRetirement.com’s web site could include technical, typographical, or photographic errors. StepsToEarlyRetirement.com does not warrant that any of the materials on its web site are accurate, complete, or current. StepsToEarlyRetirement.com may make changes to the materials contained on its web site at any time without notice. StepsToEarlyRetirement.com does not, however, make any commitment to update the materials.
  6. Links
    StepsToEarlyRetirement.com has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by StepsToEarlyRetirement.com of the site. Use of any such linked web site is at the user’s own risk.
  7. Site Terms of Use Modifications
    StepsToEarlyRetirement.com may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
  8. Use Of Pictures
    You may use the pictures taken by Steps To Early Retirement if you provide a credit link back to StepsToEarlyRetirement.com and an e-mail notification or comment on a post that you have done so.
  9. Legal Age

You may not use the Services and may not accept the Terms if 1) you are not of legal age to form a binding contract with Steps To Early Retirement, or 2) you are a person barred from receiving the Services under the laws of Canada, the United States or other countries including the country in which you are resident or from which you use the Services.

Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to the domain StepstoEarlyRetirement.com & Steps To Early Retirement, and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Steps To Early Retirement include StepsToEarlyRetirement.com and Steps To Early Retirement. The website is a blog on anything and everything personal finance. By using the website, you consent to the data practices described in this statement.

Cookies 

The website uses cookies to distinguish you from other users of the website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive.

If the settings on your browser are adjusted to accept cookies, and you continue to use our website, you accept our use of cookies. Should you wish to remove or not use cookies from our site you can learn how to do this below, however doing so will likely mean that our site will not work as you would expect.

Our own cookies:

We use cookies to make the website work including:

  • Making our shopping basket and checkout work
  • Determining if you are logged in or not
  • Remembering your search settings
  • Remembering if you have accepted our terms and conditions
  • Allowing you to share and comment on our content

Third party functionality:

The site, like most websites, includes functionality provided by third parties. The site includes the following services which use cookies:

  • Google

Disabling these cookies will likely break the functions offered by these third parties

Social media cookies:

So you can easily like or share our content on social media, we have included sharing buttons on our site. Cookies are set by:

  • Facebook
  • Twitter
  • Instagram
  • Pinterest
  • Google+

The privacy implications on this will vary from social network to social network and will be dependent on the privacy settings you have chosen on these networks.

Site improvement cookies:

We sometimes test new designs or site features on our site. We do this by showing slightly different versions of our website to different people and anonymously monitoring how our site visitors respond to these different versions. Ultimately this helps us to offer you a better service.

Advertising cookies:

Cookies are widely used in online advertising. Neither us, advertisers or our advertising partners can gain personally identifiable information from these cookies. Advertising cookies may be set by:

  • DoubleClick – owned by Google
  • Atlas Solutions – owned by Facebook

Remarketing cookies:

You may notice that sometimes after visiting a site you see increased numbers of adverts from the site you visited. This is because advertisers, including ourselves pay for these adverts. We use these adverts to offer special offers to encourage you to come back to the site.

Affiliate cookies:

We promote a number of partners and may be awarded commission for purchases made through our site. Cookies may be set by us and these providers to record how and when a service was accessed through our site.

Turning cookies off:

You can learn more about cookies, how to delete them, and how to adjust your browser settings to stop it from accepting cookies, by visiting http://www.whatarecookies.com/.

Uses made of the information you supply

This section describes how we may use the contact information you supply to us through requesting content or posting on the Steps To Early Retirement message boards.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Steps To Early Retirement public message boards (post & comments), this information may be collected and used by others.

Steps To Early Retirement encourages you to review the privacy statements of websites you choose to link to from Steps To Early Retirement so that you can understand how those websites collect, use and share your information. Steps To Early Retirement is not responsible for the privacy statements or other content on websites outside of the Steps To Early Retirement website.

We may use information held about you in the following ways:

Information you give us  

This includes;

  • email address;
  • first and last name;
  • website address;
  • other information you choose to divulge.

We will use this information to:

  • to provide you with the information and content you request;
  • provide you with information about other content and services that may be of interest to you;
  • permit carefully selected third parties to provide you with information about content or services we feel may interest you;
  • notify you about changes to the website;
  • ensure that content from the site is optimized for you and for your computer.

Information about you 

We will use this information:

  • to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  • to improve our site to ensure that content is optimized for you and for your computer;
  • to allow you to participate in interactive features of our content;
  • as part of our efforts to keep our site safe and secure;
  • to measure, understand and deliver relevant advertising to you;
  • to make suggestions about content or services that may interest you or them.

Information we receive from other sources

We may combine the information above with information obtained from other sources for the purposes set out above.

Disclosure of your information 

We may share your personal information with any member of our partner network for the purpose of providing or evaluating any relevant services.

We may share your information with selected third parties including:

  • Business partners, suppliers and sub-contractors for the performance of any services.
  • Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others.
  • Analytics and search engine providers that assist us in the improvement and optimization of our site.

We may disclose your personal information to third parties:

  • In the event that we sell or buy any business or assets, we may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If we or substantially all of our assets are acquired by a third party, personal data we hold may be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, enforce or apply any of our terms or other agreements; or to protect our rights, property, or safety of our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Where we store your personal data 

All information you provide is stored on secure servers and we endeavor to minimize replication of such data. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site or services, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent any unauthorized access.

 

Your rights 

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Access to information 

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee to meet our costs in providing you with details of the information we hold about you.

Opt-Out & Unsubscribe

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Steps To Early Retirement by contacting us in the reply section below this page.

Changes to this Statement

Steps to Early Retirement will occasionally update this Statement of Privacy to reflect company and customer feedback. Steps To Early Retirement encourages you to periodically review this Statement to be informed of how Steps To Early Retirement is protecting your information.

Contact Information

Steps To Early Retirement welcomes your questions or comments regarding this Statement of Privacy. If you believe that Steps To Early Retirement has not adhered to this Statement, please contact Steps To Early Retirement in the reply section below this page.

Effective as of May 25, 2018

Please feel free to use the text and images on this page with proper attribution. There is no reason why each blogger should have to reinvent the wheel.