Legal

Effective and Updated: 30th June 2025

TABLE OF CONTENTS

Privacy Policy

Terms and Conditions of Use

Affiliate Disclosure

Anti-Spam Policy

Copyright Notice

Policy Changes


PRIVACY POLICY

Retire Richly (the “website”) is operated and owned by Wiser Together Advisors (the “Company”, “we”, “us”). The Company and the website are committed to protecting your privacy when you visit our website.

Acceptance of Privacy Policy terms: Please read the Privacy Policy carefully before you start to use our website. By using the website or by clicking to accept or agree to the Terms and Conditions of Use when this option is made available to you, you accept and agree to be bound and abide by the Privacy Policy. If you do not want to agree to the Privacy Policy, you must not access or use the website.

Our Commitment to Children’s Privacy: Protecting the privacy of the very young is important to us. For that reason, we do not collect or maintain information on our website from those we actually know are under 18, and no part of our site is structured to attract anyone under 18. Under our Terms of Service and Conditions of Use, children under 18 are not allowed to use our website. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at info@retire-richly.com. If your age is less than 18:

  • do not use or provide any information, use any features or comment on any posts on our website

  • do not provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use

  • do not register or make any purchases through our website

Disclosure of information: The Company will not sell, trade, or rent your personal information to other organizations. We neither automatically log personal data nor connect information automatically logged by other means with personal data about specific individuals. We may observe IP addresses but these are not linked to personally identifiable information. We may use aggregate statistics about our visitors, traffic patterns, and administer the site. We collect only the personal data that you may volunteer while using our website. We do not collect information about our visitors from other sources, such as public records or bodies, or private organizations.

Information we collect on you: You can access our website and browse contents without disclosing any of your personal data. We do not collect personal information about individuals, such as names and mailing or e-mail addresses unless it is proactively provided by the individual and he or she has agreed to related terms of terms. We collate personal information, being name and email address, when you decide to opt-in to receive newsletter communications. We may use collected personal information in the following ways – a) to operate and maintain this Website; b) to improve your experience on this Website; c) to respond to your comments; d) to provide you with user support; e) to provide and deliver any information that you have requested; f) to send you technical notices, updates, security alerts, and support and administrative messages; g) to communicate with you about products, services, surveys, offers, promotions, rewards and events offered by the website and others; h) to provide news and information we think will be of interest to you; i) to monitor and analyze trends, usage and activities in connection with our website; j) to personalize and improve our website and to provide advertisements, content or features that match user profiles or interests.

Cookies: Similar to most commercial websites, our website utilizes a standard technology called “cookies” and server logs to collect information about how our site is used. Information so gathered may include the date and time of visits; the pages viewed; time spent at our website; the websites visited just before and just after our own; and your IP address. A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that website platform automatically asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it. The Company reserves the right to use technological equivalents of cookies. The Company reserves the right to use social media pixels in compliance with the policies of the various social media sites. These pixels allow social media sites to track visitors to outside websites to tailor advertising messages users see while visiting that social media website.

Google Adsense DART cookies: Google, as a third party advertisement vendor, may use cookies to serve Google Adsense adverts on the website. The use of DART cookies by Google enables them to serve adverts to visitors that are based on their visits to this website, including past visits, as well as other websites on the internet. To opt out of the DART cookies you may visit the Google ad and content network privacy policy at http://www.google.com/privacy_ads.html. Tracking of users through the DART cookie mechanisms are subject to Google’s own privacy policies.

Third party cookies: Some content, including advertisements, on the Website may be served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content or to measure advertisement effectiveness and other reasons that will be provided in their own privacy policies. Our website has no access or control over third party cookies or related technologies. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. You can opt out of some, though likely not all, of these cookies at http://www.networkadvertising.org/managing/opt_out.asp

Third party websites: We have included links on the website for your use and reference. We are not responsible for the privacy policies on external websites. You should be aware that the privacy policies of these websites may differ from our own.

Data protection: We employ commercially reasonable methods to ensure the security of the information you provide to us and the information we collect automatically. This includes using standard security protocols and working only with reputable third-party vendors. Email is not recognized as a secure medium of communication. For this reason, we request that you do not send private information to us by email. However, doing so is allowed, but at your own risk. The Company may use software programs to create summary statistics that are used to optimize content popularity, content style, design features, or other website operations matters. The website may use software programs for site security purposes; to monitor network traffic; to identify unauthorized attempts to upload or change information; or other actions that may cause damage to the website.

Europe GDPR: If you are within the European Union, you are entitled to certain information and have certain rights under the General Data Protection Regulation. Those rights include:

·     We will retain any information you choose to provide to us until the earlier of: (a) you ask us to delete the information, (b) our decision to cease using our existing data providers, or (c) the Company decides that the value in retaining the data is outweighed by the costs of retaining it.

·     You have the right to request access your data that the Company stores and the right to either rectify or erase your personal data.

·     You have the right to seek restrictions on the processing of your data.

·     You have the right to object to the processing of your data and the right to the portability of your data.

·     To the extent that you provided consent to the Company’s processing of your personal data, you have the right to withdraw that consent at any time, without affecting the lawfulness of processing based upon consent that occurred prior to your withdrawal of consent.

·     You have the right to lodge a complaint with a supervisory authority that has jurisdiction over issues related to the General Data Protection Regulation.

·     We require only the information that is reasonably required to enter into a contract with you. We will not require you to provide consent for any unnecessary processing as a condition of entering into a contract with us.

Request to delete personal information: Should you wish to have your information deleted, please email us at info@retire-richly.com and submit a request.

TERMS AND CONDITIONS OF USE

Terms and Conditions of Use includes, without limitation, our Privacy Policy; Affiliate Disclosure; Copyright Notice, and Anti-Spam Policy. By using the website, you agree to comply with the related Terms and Conditions of Use.

You agree to obey all applicable laws and regulations regarding your use of our website and the content and materials provided in it. You are at least 18 years of age.

Unless stated expressly to the contrary then the website no relationship, connection, or affiliation whatsoever with any company, person, outfit, organization, or group mentioned herein, even if such name appears in our website name, domain, URL, or otherwise. You should assume no other party, by mere mention of their name, has endorsed anything you see here. You should assume at all times that we are being compensated, at no incremental cost to you, for website actions that may include clicking on affiliate weblinks.

Our website provides information on a wholly educational purpose and is not intended to be, and does not constitute, advice on any legal, financial, medical, health or other matters. The law is constantly changing and the data may not be complete or accurate depending on your particular legal issue. Each legal issue depends on its individual facts and different jurisdictions have different laws and regulations. Medical issues are complex, and can often stem from both organic and psychological factors. Financial matters are highly individualistic. Risk tolerance is just one factor to consider before making any investments or financial decisions. You are solely responsible for your own decisions on financial, legal, medical, health, purchases or other matters. Choosing a lawyer, doctor, or investment advisor is a serious matter and you should hire a qualified professional that you consider has sufficient expertise for your personal circumstances.

Any information, insight and/or opinions contained in any disseminated information are accurate as of the date of release and are subject to change without additional notice. We make best efforts to ensure that information has been obtained from trustworthy sources. We make best efforts to summarize information accurately using human activities and/or technology tools. We are not responsible for any errors or omissions contained in any disseminated material and are not liable for any loss incurred as a result of using the material in any way.

We reserve copyright protection on all information posted on, or in relation to, the website and relevant trademarks. Product, services and company names mentioned in our website may be the trademarks of their respective owners. You may not reproduce, copy, modify or otherwise distribute any text, graphics, documents, code or other materials from our website. You do not own rights to any article, book, ebook, document, blog post, post comment, software, application or other materials viewed on the website or via email or other communications. Should you choose to provide input, feedback, comment or other contribution to the website then you surrender any rights to your content once it becomes part of our website.

You may freely share links to our website provided that a) you state Retire Richly or retire-richly.com as related source; b) do not change, remove, or obscure any copyright notice or other notices on our website; c) shared website does not engage in illegal or pornographic activities; an d) you understand that you must stop linking to our website immediately upon request by our website.

You understand that - except for information, products and/or services clearly identified as being offered by our website - our website does not operate, control or endorse any information, products or services on the Internet in any way. You also understand that our website cannot and does not guarantee or warrant that files available for downloading through our website will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties.

You agree to indemnify, defend and hold harmless our website, its members, officers, directors, employees, agents, licensors, suppliers and any third party information providers to our website from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any use of our website or violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing our website.

Should any part of these Terms and Conditions of Use be held invalid or unenforceable, that portion shall be construed as much as possible consistent with applicable law and severability shall apply to the remaining portions, so that they remain in full force and effect. Our failure to enforce any provision of these Terms and Conditions of Use shall not be deemed a waiver of the provision nor of the right to enforce the provision. Our rights under these Terms and Conditions of Use shall survive any termination of this agreement. Any rights not expressly granted herein are reserved.

Our website may assign its rights and duties under these Terms and Conditions of Use to any party at any time without notice to you.

AFFILIATE DISCLOSURE

Retire Richly is supported by its audience. When you purchase through links on our website then, at no cost to you, Retire Richly may receive an affiliate commission if you make a purchase. Commissions may be received from Amazon and other organizations. Retire Richly strives to include appropriate disclosures - including any commissions for purchases, bookings or otherwise clicking links - on related posts but it is possible that a relationship connection or compensation may not be made at every single possible opportunity. As such, website visitors should assume that there is a material connection and potential for compensation at all times. This does not imply skewed or biased reviews. We make every effort at candor regarding any products or services we use, recommend, or otherwise make mention of. Opinions, reviews, analysis and any recommendations are those of Retire Richly alone and have not been reviewed, endorsed, or approved by any external entities.

ANTI-SPAM POLICY

We do not tolerate spam. Spam is unsolicited email, also known as junk mail or unsolicited commercial email. We do not send an email unless someone has filled out an “opt in”, or equivalent, form that proactively requests communication. You are always completely in control of whether you receive email communication from us, and can terminate at any time. Every email distributed via email marketing service contains a mandatory unsubscribe link that cannot be removed and permits you to never receive another email communication. By sending email only to those who have requested to receive it, we are following accepted permission-based email guidelines.

COPYRIGHT NOTICE

The entire contents of our website are protected by intellectual property law, including international copyright and trademark laws. The owner of the copyrights and/or trademarks are our website, and/or other third party licensors or related entities. You do not own rights to any article, book, ebook, document, blog post, software, application, add-on, plugin, art, graphics, images, photos, video, webinar, recording or other materials viewed or listened to through or from our website or via email or by way of any protected content. The posting of data on our website, such as a blog comment, does not change this fact and does not give you any right in the data. You surrender any rights to your content once it becomes part of our website. You may not sell or modify the content or reproduce, display, publicly perform, distribute, or otherwise use the content in any way for any public or commercial purpose. If you violate any of the terms or conditions, your permission to use the content automatically terminates and you must immediately destroy any copies you have made of the content. Our website prohibits conduct that might constitute a criminal offense, give rise to civil liability or otherwise violate any law. Unless allowed by a written agreement, you may not post or transmit advertising or commercial solicitation on our website.

POLICY CHANGES

We may change the Privacy Policy, or other legal policies, from time to time. If we do, we will let you know by revising the date of the related policy. If we make a change to a policy that, in our sole discretion, is material, we will provide you with additional notice. Accordingly, this page could read differently as of your very next visit. These changes are necessitated, and carried out, in order to protect you and our website. If this page is important to you, you should check back frequently as no other notice of changed content will be provided either before or after the change takes effect. If you continue to use our website after a legal policy change go into effect, you consent to the revised policy.

If you have any questions or comments in regards the Privacy Policy, other legal policies or other reasons then you may reach us via mail at info@retire-richly.com or by mail to Wiser Together Advisors Inc, #1081 - 329 Howe Street, Vancouver, B.C. V6C 3N2, Canada.