MICHELE PILLAR MINISTRIES | 22 CENTURY BLVD, SUITE 450 | NASHVILLE, TENNESSEE 37214

GRAMMY AWARD NOMINATED RECORDING ARTIST, SPEAKER AND AUTHOR

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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.

 

Our Privacy Policy

This privacy policy discloses the privacy practices for www.retirementanswers101.com as well as any sub URL associated with this domain name. This privacy policy applies solely to information collected by this web site. It will notify you of the following:

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

We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order. Unless you ask us not to, we may contact you via email in the future to tell you about upcoming financial educational offerings, new products or services, or changes to this privacy policy.

 

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.

 

Security

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.

 

Cookies

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. Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies. To find out more about cookies, including browser-specific instructions on how to restrict or block cookies, go to www.allaboutcookies.org.

 

Sharing

We share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person.

 

And/or:

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.

 

And/or:

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.

 

Links

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. If you ever collect data through surveys or contests on your site, you might insert a paragraph like this in your privacy policy:

 

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.

 

Customer Service

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.

Privacy and Refund Policy

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