PRIVACY AND REFUND POLICY
30 Day Satisfaction Guarantee Refund Policy
We will issue a full refund of the tuition cost for your household within 30 days of making payment or 30 days after attending Retirement Answers 101 financial educational course whichever is later. Once we receive your refund request, please allow up to two weeks for processing. Refunds will be applied within 14 days after your refund request is received but may not appear on your credit card statement for one to two billing cycles. Should you have any questions contact the local advisor/instructor listed on this website or call Virtue at via telephone at 866.907.4275.
1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
2. What choices are available to you regarding the use of your data.
3. The security procedures in place to protect the misuse of your information.
4. How you can correct any inaccuracies in the information.
Information Collection, Use, and Sharing
Your Access to and Control over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
• See what data we have about you, if any.
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Express any concern you have about our use of your data.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
In order to use this website, a user must first complete the registration form. During registration a user is required to give certain information (such as name and email address). This information is used to contact you about the products/services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required.
We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.
To find out more about cookies, including browser-specific instructions on how to restrict or block cookies, go to www.allaboutcookies.org.
We share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person.
We use an outside credit card processing company to bill users for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes beyond filling your order.
We partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for
the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Tips To Help You Protect Your Personal Information
• Carry only necessary information with you. Leave your Social Security card and unused credit cards at home in a safe location.
• Make photocopies of vital information you carry regularly and store them in a secure place, such as a safe deposit box.
• Do not provide your Social Security Number unless absolutely necessary.
• Shred documents containing personal or financial information before discarding. Fraud and identity theft often occurs as a result of mail and garbage theft.
• Place outgoing mail in a U.S. Postal Service mailbox to reduce the chance of mail theft.
• Promptly retrieve incoming mail to reduce the opportunity for theft.
• Monitor your credit report for accuracy. By law, you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies. To learn more or request a copy of your credit report, visit www.annualcreditreport.com or call 1-877-322-8228.
Assistance to Victims of Identity Theft
If you suspect that someone has had unauthorized access to your personal identifying information such as your Social Security Number or credit card information you should report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC). To speak with a trained FTC telephone counselor, call toll-free at 1-877-IDTHEFT (1-877-438-4338). To enter information about your complaint into a secure FTC online database, sign on to www.ftc.gov/idtheft. The site also provides links to numerous consumer education materials.
Unsolicited Credit Offers
If you want to reduce the number of credit offers you receive, contact the National Consumer Credit Reporting Agencies at 1-888-567-8688 (1-888-5-OPTOUT) or visit www.optoutprescreen.com for details. Financial institutions and other companies provide information to the Credit Bureaus for credit verification, fraud-control purposes and prevention of identity theft. You may direct these agencies not to sell or share this information about you for marketing purposes.
We welcome the opportunity to answer any questions you may have about this statement or the safeguarding and confidentiality of information about our clients.
The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by law. The policies and practices described in this disclosure replace all previous notices or statements regarding this subject.
©Copyright 2016. All rights reserved, Unauthorized use or duplication of content is prohibited. Retirement Answers101 is a registered trademark. Please be advised that investing involves risk and that no particular investment strategy can guarantee against a loss. All investments involve the risk of potential investment losses as well as the potential For investment gains. Prior performance is no guarantee of future results, and there can be no assurance, and clients should not assume, that future performance will be comparable to past performance. No client or potential client should assume that any information presented or made available through this paper should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures.
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