TERMS AND CONDITIONS
Last Updated: November 24, 2017
Laura L. Benjamin (“us,” “we” or “our”) owns and operates Time For Retirement (www.timeforretirement.com) (“website”). Please read these Terms and Conditions (“Terms”) carefully before using this website. Your access and use of this website is conditioned on your acceptance of and compliance to these Terms. These Terms apply to all visitors, users and others who access the website.
By visiting this website, you engage in our service and accept and agree to be bound by these Terms. If you disagree with any part of the Terms, then you may not access the website.
1. Intellectual Property
We are the owners of all information contained on this website. We are the owners of any and all copyrights, trademarks, design rights and other intellectual property rights (registered and unregistered) related to the content and work product on this website.
Information on this website may be copied for personal use only. No part of this website may be reproduced, stored, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the author. Requests to the author and publisher for permission should be addressed to the following email: firstname.lastname@example.org.
We allow link backs to this website, as long as you clearly credit this website and provide a hyperlink back to this website.
We reserve all rights and nothing in these Terms grants you a right or license to use any information provided on this website.
2. Website Content
All content on this website is for informational purposes only. We do not make any representations regarding the completeness or accuracy related to the information found on this website. We are not responsible or liable for the accuracy, usefulness or availability of any information provided on this website. The access and use of any content on this website does not guarantee any specific results and we are not responsible or otherwise liable in any way for your reliance, acts or failures to act with regard to the information presented on this website. You are responsible for your own actions and your reliance upon the content of this website is done solely at your own risk.
Although I am a retirement blogger, nothing on this website constitutes retirement planning advice. We will not be liable for any errors or omissions and will not be responsible for any losses, injuries or damages related to your reliance on this website.
Any user generated content on this website (i.e. through blog comments or social media posts) will be publicly available to other users. You own the rights to any content that you post on this website, but agree to give us a license so that this content can be shared on this website.
We reserve the right to remove any content that we determine to be unlawful, inappropriate, offensive or otherwise objectionable or violates any party’s intellectual property or these Terms. By posting or submitting any material or information to this website, you agree to grant us an unlimited license so that this content can be shared on this website. If any user generated content is found to be copyright infringement, we will respond to and comply with any DMCA Take Down Notices.
If you wish to purchase any product or service made available on the website, you may be asked to supply certain information relevant to the purchase. Purchases on this website are done through an outside vendor, to be determined, and we make all attempts to provide secure transactions. You may be directed to an outside website for your secure transaction and we make no warranties or representations regarding the security of the outside vendor. We do not collect or retain any of your personal payment information.
5. Payment Policy
See the Privacy Statement regarding how secure transactions are processed on our website.
We reserve the right to terminate any users for abuse of these Terms. We reserve the right to remove unlawful, obscene, inappropriate or otherwise undesirable shares or comments on our blog or social media channels.
7. Governing Law
If any part of these Terms is held to be invalid or unenforceable, that portion of the Terms will be construed with applicable law and the remaining portions will remain in full force and effect. These Terms are governed in accordance with the laws of Vermont and the United States.
8. Links to Other Web Sites
We have no control over, and assume no responsibility for, the content, privacy policies or practices of any third party websites or services. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.
9. Warranty Disclaimer
The information contained on this website is provided “as is,” without warranty of any kind. We disclaim all warranties, whether express, implied, statutory or otherwise, regarding this website, to the fullest extent of the law. We make no warranties that access to this website will be uninterrupted or error free. You assume full responsibility and assume all risks when you access this website, download any files, use any information or content or participate in any other manner.
10. Limitation of Damages
In no event shall we (or any affiliated parties) be liable to you for any loss or damages resulting from the use or display of your user generated content, you use or access to this website, the website generally or any other interactions with the website or us. You hereby release us from liability or responsibility for any claims related to your use, access or reliance of this website.
11. Affiliate Links
This website may include “affiliate links,” wherein we receive a small commission if you make a purchase using the link. However, all opinions are our own and we only endorse or link to products and services that we genuinely recommend.
These Terms and Conditions may change from time to time and all updates will be posted on this page.
13. Questions and Contact Information
If you have any questions about these Terms, please contact us at: email@example.com.
Last Updated: November 24, 2017
Laura L. Benjamin (“us,” “we” or “our”) owns and operates Time For Retirement (www.timeforretirement.com) (“Website”). This privacy statement applies to our collection, use and sharing of personal information we receive from visitors and users of this website.
1. Information Collection, Use, and Sharing
While using the Website, you may provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information includes any of the following: your first and last name, your email address, you shipping and/or billing address and/or your credit card information if you make a purchase on this website (collectively “Personal Information”).
Like many other sites, we collect information that your browser sends when you visit our Website (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol address (“IP address”), browser information, Internet Service Provider (“ISP”) information, the pages of our Website that you visit, time spent on those pages and other statistics. We may also use third party services such as Google Analytics to collect, monitor and analyze Log Data.
We allow third-party companies, including Shareaholic, to collect certain information (including IP address and information about your browser or operating system) when you visit our website. These companies may use non-personally identifiable information during your visits to this and other websites in order to provide advertisements or content likely to be of greater interest to you. These companies typically use a cookie or a third party web beacon to collect this information. The cookies may reflect de-identified demographic or other data linked to data you voluntarily have submitted us, e.g., your email address, that they may share with a third-party solely in hashed, non-human readable form. To learn more about this behavioral advertising practice, you can visit www.networkadvertising.org. To opt-out of these data provider cookies, please go to http://www.aboutads.info/choices.
2. Personal Information Use and Sharing
In general, any Personal Information that you provide to us is used solely to help us communicate with you. For example, we use Personal Information to contact Website visitors in response to questions, solicit feedback and share promotional offers. See Section 4 for more information regarding our email marketing.
In the event that we undergo a business transaction, such as a merger, acquisition or partial sale with another company, your Personal Information may be transferred. You consent that such transfer may occur and is permitted by this policy.
3. Information You Provide
When you leave a comment on this website, you are giving implied consent for this comment and your information to appear on our website. In leaving a comment, your name and email address will not be shared with any third party. We may use your email address solely to respond to your comment. However, we are not liable or responsible for the actions of other individuals and the unauthorized use by such information that your voluntarily share.
We have public social media accounts and social sharing options on our website. If you choose to interact on social media with us or our accounts, you are advised that any interactions on those accounts are publicly available.
If you choose to share a testimonial on this Website, we will first obtain your written permission via email before including your name and testimonial on our website.
4. Email Marketing
If you choose to opt in to our email newsletter, you will occasionally receive emails regarding updates to this website. You may opt out of our email newsletter at any time. Our email newsletter is managed through an email list management provider and opting out of one of our email lists may not necessarily remove you from all emails. Should you have any issues or problems unsubscribing, please contact us at firstname.lastname@example.org.
If you correspond with us via email, we may retain the email messages and correspondence, but will not share this information with any third party.
We make every attempt to keep your Personal Information secure, but we realize that no transmission over the internet is 100% secure. We strive to use commercially acceptable means to protect your Personal Information, but we cannot guarantee absolute security. By using this Website, you acknowledge that you understand and agree to assume these risks.
If you make any purchases on this Website, you may be asked to provide a username and password during checkout. This information is not shared and is solely for the purpose of accessing your purchase. We do not collect or store any other information during the checkout process.
All transactions on this website are conducted securely via [INSERT PAYMENT PROVIDER] and we cannot access and do not store any payment information. The transaction charge will show up as [INSERT WHAT THE CHARGE WILL BE LABELED AS] on your credit account statement.
6. Links to Other Websites
When you click on links on our Website, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.
8. Questions and Contact Information
If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact us at: email@example.com.
We want you to feel at home when you post a comment on Time For Retirement. We want everyone to feel at home posting comments here. We don’t know what your home is like, but we know how we expect people to behave when they visit ours. That’s why we reserve the right to delete comments and ban users as needed to keep the comment threads here civil and substantive.
Our No. 1 house rule is simple: Don’t be a jerk.
Want to be the kind of commenter we’d love to bring home to Thanksgiving dinner? Here’s what we like to see in comments:
Give us ideas that take the story further.
Many heads are better than one!
Give us constructive criticism. Spot a typo or an error? Let us know and we will correct it.
Demonstrate and share the intelligence, wisdom, and humor we know you possess.
- Don’t feed the trolls. You don’t have to get into an intellectual duel with an unarmed person. Downvote and flag comments instead.
Although we can’t be everywhere at once, here are some of the kinds of comments we’re going to do our best to curtail:
Promoting your own brand, product, or blog. Please don’t spam here. Make some hot pins to Pinterest instead. If you want to talk about a product on this site, please go to the contact page.
Impersonating authors or other commenters. We can’t believe we have to say this, but: Don’t do that. It’s weird.
Comments that make it clear you didn’t read the article. It will be more helpful if you get through the post and then let me know what you’d like to see.
Comments that are completely out of left field. Sometimes discussions veer off a bit, but are still related to the original subject. That is fine. Off-topic commentary is not.
Threats — no matter how vague — against the author or other commenters. Things can get heated. Turn it down. Go breathe or get a drink of water. Nobody wants to be uneasy talking to you.
Racism, sexism, homophobia, namecalling and stone throwing. Absolutely not allowed. If you need to attack someone, join the Army.
Trolling. Again, we’re here to have a nice adult discussion. Trolls will be butted back under the bridge by billy goats of our choosing.