PRIVACY POLICY

Effective Date: December 26, 2018. As the owner of this website (the “Site”), www.retiredinamerica.com (“We” or “Us”) understand that your privacy is of critical importance. This Privacy Policy describes what information We collect from you via the Site and how We use and disclose such information. Our Use of Cookies A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. Cookies do not typically contain any information that personally identifies a user, but personal information that We store about you may be linked to the information stored in and obtained from cookies. We use cookies for the following purposes:

• authentication – We use cookies to identify you when you visit and navigate the Site;
• personalization – We use cookies to store information about your preferences and to personalize the Site for you;
• security – We use cookies as an element of the security measures used to protect our Site and services generally, and to the extent applicable, any user accounts, including preventing fraudulent use of login credentials;
• advertising – We use cookies to help Us to display advertisements that will be relevant to you; and
• analysis – We use cookies to help Us to analyze the use and performance of our Site and services;

We use Google Analytics to analyze the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google’s privacy policy is available at: https://www.google.com/policies/privacy/ Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these non-exhaustive links:

• https://support.google.com/chrome/answer/95647?hl=en (Chrome);
• https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
• http://www.opera.com/help/tutorials/security/cookies/ (Opera);
• https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
• https://support.apple.com/kb/PH21411 (Safari); and
• https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

Please note that blocking cookies may have a negative impact on the functions of many websites, including our Site. Upon blocking of cookies, some features of the Site may cease to be available to you. Interest-Based Advertising We publish interest-based advertisements on the Site; that is, ads that are tailored to reflect your interests. To help understand your interests, our other advertising partners will track your behavior on the Site and on other websites across the Internet using cookies. By using this Site, you consent to the use of such cookies and the sharing of data captured by such cookies with our third party partners. You can view, delete or add interest categories associated with your browser by visiting: https://adssettings.google.com. However, this opt-out mechanism uses cookies, and if you clear the cookies from your browser, your opt-out will not be maintained. Notwithstanding any other provision, we partner with third parties that collect information across various channels, including offline and online, for purposes of delivering more relevant advertising to you. Our partners may place or recognize a cookie on your computer, device, or directly in our emails/communications, and we may share personal information with them if you have submitted such information to us, such as your name, postal address, or email address. Our partners may link the personal information we share with them to the cookie stored on your browser or device, and they may collect information such as your IP address, browser or operating system type and version, and demographic or inferred-interest information. We may also share mobile device IDs (or information) with our partners. Our partners use this information to recognize you across different channels and platforms over time for advertising, analytics, attribution, and reporting purposes. For example, our partners may deliver an ad to you in your web browser based on a purchase you made in a physical retail store, or they may send a personalized marketing email to you based on the fact that you visited a particular website. To learn more about interest-based advertising in general and to opt out, please visit http://www.aboutads.info/choices.” To opt-out of the use of your mobile device ID for targeted advertising, please see http://www.aboutads.info/appchoices For European Economic Area Residents If you reside in a country in the European Economic Area (EEA), then under the GDPR and applicable data protection laws you have the rights, among other things, to access your personal data, have Us erase it, and/or restrict its further processing. If you wish to access or delete your personal data (if any) maintained by Us, you can contact Us at info@ineditagency.com Email Addresses We may collect your email address, but only if you voluntarily provide it to Us. This may occur, for example, if you sign up to receive an email newsletter, or enter a promotion. If you have provided your email address to Us, We promise to use it only for the purposes for which it is provided. We will use your email address for the purposes for which you provided it to Us, and also from time to time to send you emails regarding the Site or other products or services that We believe may be of interest to you. You may opt out of such email communications at any time by clicking the “unsubscribe” button in the email. We will not share your email address with any third parties. If you are a resident of a country in the European Economic Area (EEA), please refer to the section below entitled “Additional Rights of EEA Residents.” Registration or Account Data In addition to your email address, We may collect other information from you when you register with our Site in order to use various features. Such information could include your first and last name, birthday, address, and password (if applicable). As you use the Site, We could collect other data that you provide voluntarily (such as comments that you post). We may also collect information about you through other methods, including research surveys, social media platforms, verification services, data services, as well as public sources. We may combine this data with your registration data in order to maintain a more thorough profile. We may use third parties to provide the functionality to allow you to register for the Site, in which case the third party will also have access to your information. Otherwise, We will not provide any personally-identifying information about you to third parties, except if required by law. We may use your personally-identifying information for a variety of our internal business purposes, such as creating a better user experience for the Site, diagnosing and troubleshooting malfunctions on the Site, better understanding how the Site is used, and making personalized recommendations to you. If you are a resident of a country in the European Economic Area (EEA), please refer to the section below entitled “Additional Rights of EEA Residents.” Additional Rights of EEA (European Economic Area) Residents If you are a resident of a country in the EEA, you have the rights, among others, to:

•  access your personal data;
• ensure the accuracy of your personal data;
• the right to have Us delete your personal data;
• the right to restrict further processing of your personal data; and
• the right to complain to a supervisory authority in your country of residence in the event that data is misused.

If you believe that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your residence, your place of work or the place of the alleged infringement. You may exercise any of your rights in relation to your personal data by written notice to Us addressed to the following: Inedit Agency, Aleea Socului No. 6, Bl. M4Bis, Ap. 30, Sector 2, Bucharest, Romania, 022158, info@ineditagency.com Sale of Business or Assets In the event that the Site or substantially all of its assets is sold or disposed of as a going concern, whether by merger, sale of assets or otherwise, or in the event of an insolvency, bankruptcy or receivership, the information We have collected about you may be one of the assets sold or merged in connection with that transaction. Changes to the Privacy Policy We may change this Privacy Policy from time to time. The most recent version of the Privacy Policy will always be posted on the Site, with the “Effective Date” posted at the top of the Policy. We may revise and update this Privacy Policy if our practices change, as technology changes, or as We add new services or change existing ones. If We make any material changes to our Privacy Policy or how We handle your personal information, or We are going to use any personal information in a manner that is materially different from that stated in our Privacy Policy at the time We collected such information, We will give you a reasonable opportunity to consent to the change. If you do not consent, your personal information will be used as agreed to under the terms of the privacy policy in effect at the time We obtained that information. By using our Site or services after the Effective Date, you are deemed to consent to our then-current privacy policy. We will use information previously obtained in accordance with the Privacy Policy in effect when the information was obtained from you.

Last updated: June 16, 2020

– You must be at least 18 years old to use the Site. – We take your privacy very seriously. Please read this Privacy Policy carefully as it contains important information on how and why we collect, store, use, and share your personal information when you use this Site. It also explains your rights in relation to your personal information and how to contact us.

By accessing, using, or submitting information to the Site, you agree to this Privacy Policy and our Terms & Conditions.

Personal Information We Collect About You – We collect, use and are responsible for certain personal information about you, that identifies, relates to, describes, is reasonably capable of being associated with you, or that which could reasonably be linked, directly or indirectly, with a particular consumer or household. We collect, and have collected personal information about our visitors within the preceding 12 months in the following categories:

Categories of Personal Information	Examples of Specific Types of Personal Information Collected	Categories of Sources from Which PI is Collected	Business or Commercial Purpose for Which Each Category Will be Used
Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers), or information that identifies, relates to, describes, or is capable of being associated with, a particular individual	Name; Email address; and Your Internet Protocol (“IP”) address	Individual through the Site; Data analytics providers; and Data resellers/brokers	– Provide you with the ability to access and interact with the Site; – Maintain your account; – Track Site access and interaction; – Fulfill requests submitted through the Site; – Personalize and improve the Site; – Advertising/marketing; – Internal database; – Analytics; – Connect you with the particular products and/or services featured on the Site; – Detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity; – Debug to identify and repair errors that affect functionality of the Site; – Tracking consumer interaction with the Site (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Legal compliance
Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)	Information you volunteer to the Site or through other means of communication, such as subscription, comments/posts, written correspondence or other electronic submissions, and communications sent by you to the Site	Individual through the Site; Data analytics providers; and Data resellers/brokers	– Provide you with the ability to access and interact with the Site; – Maintain your account; – Track Site access and interaction; – Fulfill requests submitted through the Site; – Personalize and improve the Site; – Advertising/marketing; – Internal database; – Analytics; – Connect you with the particular products and/or services featured on the Site; – Detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity; – Debug to identify and repair errors that affect functionality of the Site; – Tracking consumer interaction with the Site (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Legal compliance
Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with a website, application, or advertisement)	Clickstream data; – Source URL/Referring and exit pages; Behavioral data (opens, clicks); – Web browser type and version; – Internet service provider (ISP); and – Date and time stamp	Individual through the Site; and Data analytics providers	– Provide you with the ability to access and interact with the Site; – Maintain your account; – Track Site access and interaction; – Fulfill requests submitted through the Site; – Personalize and improve the Site; – Advertising/marketing; – Internal database; – Analytics; – Connect you with the particular products and/or services featured on the Site; – Detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity; – Debug to identify and repair errors that affect functionality of the Site; – Tracking consumer interaction with the Site (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Legal compliance
Geolocation data	– Geographic region based on IP address and/or web browser type; and Area code and zip code associated with your web server	Individual through the Site; and Data analytics providers	– Provide you with the ability to access and interact with the Site; – Maintain your account; – Track Site access and interaction; – Fulfill requests submitted through the Site; – Personalize and improve the Site; – Advertising/marketing; – Internal database; – Analytics; – Connect you with the particular products and/or services featured on the Site; – Detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity; – Debug to identify and repair errors that affect functionality of the Site; – Tracking consumer interaction with the Site (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Legal compliance

– As noted in the above chart, we collect the above personal information directly from you via the Site, and from your interactions with the Site, including any personal information which you provide directly or indirectly. – Indirectly – Cookies and Tracking Pixels on the Site: We use and store cookies and tracking pixels on the Site, as described further. A cookie is a small data text file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and which is stored on your computer’s web browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies can later be retrieved to identify you to us. Personal information that we store about you may be linked to the information stored in and obtained from cookies. Cookies make your use of the Site easier, make the Site run more smoothly, and help us to maintain a secure Site. Tracking pixels (also known as web beacons, 1×1 pixels, or clear GIFs) are code requiring a call back to a server to render, and which deliver information to us about your IP address and information from your browser. Cookies and tracking pixels are used to track your interaction with the Site, including clicks. Cookies and tracking pixels may collect information about you, such as your IP address, your browser type and version, operating system, software and platform, your Internet service provider, geographic location, the area code and zip code associated with your server, time zone setting, the date and time of your visit, the time spent on the Site, referring and exit domain names and websites, screen resolutions, color capabilities, browser plug-ins, language settings, cookie preferences, search engine keywords, and clickstream data. We collect information on whether you responded to a particular advertisement featured on the Site, and which third party advertisements and links you click through the Site through the use of tracking pixels. – Cookies and Tracking Pixels in Our Emails: Apart from use of the above technologies on our Site, we automatically collect information when an individual opens one of our emails, through the use of cookies and tracking pixels. We also automatically collect information on whether the individual clicked on any links within such emails. – To the extent that you click on a third party advertisement, or a particular product or service featured on the Site or in any email communication or newsletter, we collect information on which link you clicked. Please note that we are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. We may also participate in other affiliate programs, and receive a commission based on purchases made through the links featured on the Site and in any email communications or newsletters. – Tracking and How We Respond to Do Not Track Signals

You can instruct your web browser to refuse all cookies or to indicate when a cookie is being sent, by visiting the preferences or settings page of your web browser. In the event that your browser requests that we do not track you or store a cookie, unless otherwise required by law to honor the requests, we do not guarantee that our Site will honor such requests. Please note that we do not guarantee that the Site will work properly in the event that you elect to opt out of our tracking or use of cookies.

– Directly – To the extent that you post comments on the Site or reply to content featured on the Site, we collect the post or reply and the personal information that you submit, including your name, email address, and website address. – To the extent that you like or share content featured on the Site through social media or third party sites by clicking on the buttons featured on the Site, we may link such activities and any personal information with the personal information we have collected. – To the extent that you like or follow one of our social media profiles by clicking on the button featured on the Site, we may link such activities and any personal information with the personal information we have collected. – To the extent that you share content featured on the Site with your email contacts through the “Send it to a friend!” feature, we may collect your name, your email address, any remarks, your friend’s name, and your friend’s email address. – To the extent that you subscribe to receive our newsletter, we collect the personal information you submit, including your name and email address. In connection with your subscription to our newsletter, we also collect information on whether you viewed the newsletter and clicked on any links within such newsletters. If you request to unsubscribe from receiving newsletters from us, we add your email address to our suppression file, to comply with CAN-SPAM. – To the extent that you contact us through the Site, we collect the personal information you submit, including your name and email address. – From Third Parties – As noted above in the chart, in addition to collecting personal information through the Site, we also collect personal information through third party data analytics providers, such as Google Analytics/DoubleClick, and Lockerdome/content.ad, and data resellers/brokers.

– How We Use Collected Personal Information – We may use information collected through your use of the Site to statistically analyze and monitor Site use; to improve the Site; and to detect, prevent, and address technical issues. We display third party advertisements on the Site, including those from the owners of the featured brands and companies on the Site. We use the information collected through the Site to track your access and interaction with the Site and with the third party advertisements featured on the Site. We may share the information collected through your use of the Site with our third party advertising partners who own the brands, products, and services which are featured on our Site. We and our third party advertisers may collect and use non-personally identifiable information about you through cookies and tracking pixels, including the keywords leading you to the Site and the referring website address and whether you responded to a particular advertisement featured on the Site, and which third party advertisements and links you click through the Site. We and our third party publishers also automatically collect information when an individual opens an email marketing the Site, through the use of cookies and tracking pixels. As noted above, in the event that your web browser requests that we do not track you or store a cookie, unless otherwise required by law to do so, we do not guarantee that our Site will honor such requests.

With Whom Do We Share Your Information – We may share the above information internally with our parent company and any subsidiary and affiliated companies. We may also share the above information with our third party advertising partners who own the brands, products, and services which are featured on our Site. We may also share the above information with our third party publishers for the purpose of tracking their clicks/conversions to our Site. Also, if you request to unsubscribe from receiving email newsletters from us, we may share your email address with our marketing partners, such as third party advertising networks and email publishers, to effectuate your request to unsubscribe and to comply with CAN-SPAM. We may also share the information collected through your use of the Site with our third party data analytics providers, such as Google Analytics/DoubleClick, and Lockerdome/content.ad, and data resellers/brokers. – Also, on occasion, we may be required by law enforcement or judicial authorities to provide information to the appropriate governmental authorities. In the event of a merger, acquisition, or sale of our business, your data may also be transferred. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court. – Your data may be transferred to and maintained on computers located outside of your state, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside United States, please note that the data we collect through the Site may be processed in and outside of the United States. We will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and that no transfer of your data will take place to an organization or a country unless there are adequate controls in place including the security of your data. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Security – The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security. As a result, you acknowledge that there are security and privacy limitations of the Internet which are beyond our control; the security, integrity and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed; and any such information and data may be viewed or tampered with in transit by a third party. We make no warranty, express, implied, or otherwise, regarding the security of the Site and your personal information.

Third Party Links and Advertisements – The Site contains links to third party websites. We are not responsible for the privacy practices or the content of such third party websites. This Privacy Policy only addresses our use and disclosure of information which we collect from you. The third party websites which are accessible through our Site, and companies to whom your information is transferred, have their own privacy policies and data collection, use and disclosure practices. Please consult each third party website’s privacy policy. We are not responsible for the policies or practices of third parties or their sites. Additionally, third party advertisers featured on the Site may collect information about you when you view or click on their advertising displayed on the Site, through the use of cookies and tracking pixels. We cannot control this collection of information. You should contact these third party advertisers directly if you have any questions about their use of the information that they collect.

Children – You must be an adult of 18 years or older to use the Site. We do not target the Site to children. Consistent with the federal Children’s Online Privacy Protection Act of 1998 (“COPPA”), we will never knowingly collect personal information from anyone under the age of 13 without requesting parental consent. If you are aware that your minor child under the age of 13 has provided us with personal information, please contact us.

California Residents – Your Privacy Rights – If you are a California resident under the meaning of Section 17014 of Title 18 of the Cal. Code of Regulations, your use of the Site is subject to the California Consumer Privacy Act (“CCPA”), and all final, implementing regulations. – Under the CCPA, up to twice in a twelve (12) month period, a consumer has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. Information regarding our collection and disclosure practices are detailed herein, in addition to instructions on how to exercise your rights regarding your personal information.

What Personal Information Do We Collect? – We collect, and have collected personal information about our visitors within the preceding 12 months in the following categories, and for the following business or commercial purposes:

Categories of Personal Information	Business or Commercial Purpose for Which Each Category Will be Used
Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers), or information that identifies, relates to, describes, or is capable of being associated with, a particular individual	– Provide you with the ability to access and interact with the Site; – Maintain your account; – Track Site access and interaction; – Fulfill requests submitted through the Site; – Personalize and improve the Site; – Advertising/marketing; – Internal database; – Analytics; – Connect you with the particular products and/or services featured on the Site; – Detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity; – Debug to identify and repair errors that affect functionality of the Site; – Tracking consumer interaction with the Site (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Legal compliance
Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)	– Provide you with the ability to access and interact with the Site; – Maintain your account; – Track Site access and interaction; – Fulfill requests submitted through the Site; – Personalize and improve the Site; – Advertising/marketing; – Internal database; – Analytics; – Connect you with the particular products and/or services featured on the Site; – Detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity; – Debug to identify and repair errors that affect functionality of the Site; – Tracking consumer interaction with the Site (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Legal compliance
Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with a website, application, or advertisement)	– Provide you with the ability to access and interact with the Site; – Maintain your account; – Track Site access and interaction; – Fulfill requests submitted through the Site; – Personalize and improve the Site; – Advertising/marketing; – Internal database; – Analytics; – Connect you with the particular products and/or services featured on the Site; – Detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity; – Debug to identify and repair errors that affect functionality of the Site; – Tracking consumer interaction with the Site (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Legal compliance
Geolocation data	– Provide you with the ability to access and interact with the Site; – Maintain your account; – Track Site access and interaction; – Fulfill requests submitted through the Site; – Personalize and improve the Site; – Advertising/marketing; – Internal database; – Analytics; – Connect you with the particular products and/or services featured on the Site; – Detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity; – Debug to identify and repair errors that affect functionality of the Site; – Tracking consumer interaction with the Site (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Legal compliance

– We collect, use, and are responsible for certain personal information about you, that identifies, relates to, describes, is reasonably capable of being associated with you, or that which could reasonably be linked, directly or indirectly, with a particular consumer or household. Additional information about our collection of information through the Site can be found under the “Personal Information We Collect About You” heading above. In addition to collecting personal information through the Site, we also collect personal information through third party data analytics providers, such as Google Analytics/DoubleClick, and Lockerdome/content.ad, and data resellers/brokers. What Personal Information Do We Disclose or Sell? – Within the preceding 12 months, we have disclosed personal information to the third parties identified under the “With Whom Do We Share Your Information” heading above. We may disclose your personal information in any of the above categories if legally required to do so, in our sole discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public. Also, in the event that we, or substantially all of our assets, are acquired, personal information in all of the above categories may be included within the transferred assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such personal information in all of the above categories in a transaction approved by the court. – Under the definitions of “Sell” and “Sale” in the CCPA, we do not sell your personal information. However, in the event that we, or substantially all of our assets, are acquired, such personal information may be included within the transferred assets. Further, in the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court. – We do not have any actual knowledge of the sale of personal information of minors under 16 years of age. There are no financial incentives to disclose. Your Right to Request to Know and How to Submit a Verified Request to Know – A “request to know” is a request related to the personal information that a business has about such consumer. It may include a request for any or all of the following from us:

1. – specific pieces of personal information that we have collected about you;
2. – categories of personal information that we have collected about you;
3. – categories of sources from which the personal information was collected;
4. – categories of personal information that we have sold or disclosed for a business purpose about you;
5. – categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
6. – the business or commercial purpose for collecting or selling personal information.

– The CCPA permits requests to know from the same consumer up to twice in a twelve (12) month period. – To submit a request to know, please click here: https://retiredinamerica.com/contact/, or email us at contact@. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, a California address, and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request to know will be used for the express purposes of verification and providing you with responsive information to your request, if required. Your Right to Request Deletion and How to Submit a Verified Request to Delete – You have the right to request the deletion of any personal information which we have collected about you. To submit a verifiable request to delete, please click here: https://retiredinamerica.com/contact, or email us at info@ineditagency.com. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, a California address, and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for deletion, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request to delete will be used for the express purposes of verification and fulfilling your request, if required. – We utilize a two-step process for online requests to delete, whereby you first submit your request to delete, and second, you separately confirm that you want your personal information deleted. – To the extent that your personal information is necessary for us to maintain for a reason delineated in Cal. Civ. Code § 1798.105(d), including but not limited to complete a transaction for which the personal information was collected, provide a good or service you have requested, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, debug, etc., or to comply with a legal obligation, we are not required to comply with your request for deletion. For instance, we are not required to delete personal information which is necessary to maintain suppression files for those individuals who have opted out of receiving email marketing from us. If we are unable to verify your request, we will notify you as well. Your Right to Non-Discrimination for the Exercise of Your Privacy Rights – California affords consumers with the right not to receive discriminatory treatment by a business for the exercise of their privacy rights conferred by the CCPA. This means that you cannot be denied goods or services; be charged different prices or rates; be provided with a different level or quality of goods or services; or have it suggested that you will receive a different price or rate or different level or quality of goods or services. However, a business may offer a financial incentive or price or service difference if it is reasonably related to the value of the consumer’s data. A business shall notify consumers of any financial incentive or price or service difference. Updates – This Privacy Policy was published and last updated on June 16, 2020. We may update this Privacy Policy from time to time. Updates to this Privacy Policy are effective when they are posted. You acknowledge and agree that it is your responsibility to review this Site and this Privacy Policy periodically and to be aware of any modifications. Your use of the Site after such modifications will constitute your acknowledgment of the modified Privacy Policy; and agreement to abide and be bound by the modified Privacy Policy. Need More Information or Do You Need Extra Help? – Further, if you have a disability which interferes with your ability to access this policy, we can make accommodations to present the policy in an alternative format to assist you. If you would like to receive this Privacy Policy in another format that is accessible to your needs (for example: audio, large print, etc.), please contact us. Contacting Us If you have any questions about this Privacy Policy, or the practices of this Site, please contact Us at info@ineditagency.com, or write to Us at: Inedit Agency, Aleea Socului No. 6, Bl. M4Bis, Ap. 30, Sector 2, Bucharest, Romania, 022158