Please note that Retired by 40! has financial relationships with some of the merchants mentioned on this blog. Retired by 40! may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant. Retired by 40! is compensated for certain paid links and advertisements on this blog. You are not obligated to click on any link or buy any products that are advertised.
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Information presented on Retired by 40! is intended for informational and entertainment purposes only and is not meant to be taken as financial advice. The views expressed on this website are personal opinions only and should not be construed as financial advice for your given situation. While all attempts are made to present accurate information, it may not be appropriate for your specific circumstances and information may become outdated over time. I am not a finance expert and you should seek out a professional before making any financial decisions. Please make sure to do your own due dilligence and seek a trusted financial professional before making any financial decisions of your own.
Neither Retired by 40! nor its members make any representations as to the validity, accuracy, completeness, or suitability of any claims made here. Neither Retired by 40! nor its members assume any liability with regard to financial results based on the use of the information provided here. Furthermore, advertisers, commenters, and linked sites are solely responsible for their views and content – which do not necessarily represent the views of Retired by 40! or its members.
Routine Information Collection
All web servers track basic information about their visitors. This information includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. None of this information can personally identify specific visitors to this site. The information is tracked for routine administration and maintenance purposes.
Cookies and Web Beacons
Controlling Your Privacy
Note that you can change your browser settings to disable cookies if you have privacy concerns. Disabling cookies for all sites is not recommended as it may interfere with your use of some sites. The best option is to disable or enable cookies on a per-site basis. Consult your browser documentation for instructions on how to block cookies and other tracking mechanisms.
Special Note About Google Advertising
Any advertisements served by Google, Inc., and affiliated companies may be controlled using cookies. These cookies allow Google to display ads based on your visits to this site and other sites that use Google advertising services. Learn how to opt out of Google’s cookie usage. As mentioned above, any tracking done by Google through cookies and other mechanisms is subject to Google’s own privacy policies.
Gretchen and Retired by 40! is committed to protecting your privacy when you visit our Web site. You can access Retired by 40! and browse our site without disclosing any of your personal data. Gretchen and Retired by 40! does not collect personal information about individuals, such as names and mailing or e-mail addresses, unless it is knowingly provided by the individual and he or she has agreed to the terms under which Gretchen and Retired by 40! will use it.
Disclosure of Information
Gretchen and Retired by 40! will not sell, trade, or rent your personal information to others. We do not automatically log personal data nor do we link information automatically logged by other means with personal data about specific individuals. We may use IP addresses to compile and provide aggregate statistics about our visitors, traffic patterns, and administer the site. This statistical information may also be related to third parties, but these statistics will not include any personally identifying information, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. We collect only the personal data that you may volunteer while using our services. We do not collect information about our visitors from other sources, such as public records or bodies, or private organizations.
If you do not want to have your information used in this way, send an e-mail message containing your name and email address to email@example.com. Gretchen and Retired by 40! may release account information when such release is reasonably necessary to comply with the law; enforce the terms of any of our user agreements; or protect the rights, property, and safety of Gretchen and Retired by 40!, the users of its site, or others.
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 at our sites from those we actually know are under 18, and no part of our site is structured to attract anyone under 18.
External Web Sites
Please note that Retired by 40! contains links to other web sites. Please be aware that we are not responsible for the privacy practices of these other sites. We encourage our users to be aware that when they leave our site that you read the privacy statements of each web site that might collect personally identifying information.
Concerns or questions can be directed to firstname.lastname@example.org for further clarification.