We might make content or services from other Web sites including our affiliated or co-branded Web sites available to you from links located on Retirement Watch. These other Web sites are not subject to this Privacy Policy.

Information We Collect
General: When you register, and at other times, we will collect personally identifiable information from you that might include your name, age, address, e-mail address, credit-card number and facts about your computers, profession, investing habits, and similar information.

Surveys: We might conduct occasional online surveys. For example, when you're within our Web site, you might see a pop-up window offering you the optional opportunity of participating in a survey. These surveys are entirely voluntary and you can easily decline to participate.

Web Site Usage Information: We automatically collect IP addresses and Web site usage information from you when you visit our Web site. This information helps us evaluate how our visitors and subscribers use and navigate our Web sites on an aggregate basis, including the number and frequency of visitors and subscribers to each Web page, and the length of their visits.

How We Use Information Collected
We might use information in the following ways:

• For the purposes for which you specifically provided the information including, for example, to process, validate and verify subscriptions.
• To send you e-mail notifications about our new or existing products and services, special offers, or to otherwise contact you.
• To enhance existing features or develop new features, products and services.
• To provide advertisers and other third parties with aggregate information about our user base and usage patterns.
• To allow us to personalize the content and advertising that you and others see based on personal characteristics or preferences.

We might combine the information that we collect from you on this Web site with information that you provide to us in connection with your use of our other products, services and Web sites.

We might use third parties, called third-party ad servers or ad networks, to deliver ads to you on our behalf. We might also use third-party service providers to contact you on our behalf, or facilitate some aspects of our Web site services, or fulfill your purchase requests. These third-party ad servers and service providers might be supplied with or have access to your personally identifiable information solely for the purpose of providing these services to us or on our behalf.

These third-party ad servers might also collect and use non-personally identifiable information about your visits to this and other web sites in order to present advertisements that might be of interest to you..

Except as specifically set forth in this Privacy Policy, we will not share your personally identifiable information outside of Retirement Watch unless you "opt in" to having your personally identifiable information shared with a company that is not affiliated with us.

We might disclose and use personally identifiable information in special circumstances where it is necessary to enforce our Subscriber Agreement or Terms of Use or is in the best interests of Retirement Watch, (for example, when necessary to protect our intellectual property rights). We might also disclose or use your personal information when we, in good faith, believe that the law requires us to do so.

Agents: We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance, processing credit card payments, and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes.

Promotional Offers: Sometimes we might send offers to selected groups of customers on behalf of other businesses. When we do this, we do not give that business your name and address. You can avoid receiving such offers by checking the appropriate box when registering as a member of by updating your registration..

Business Transfers: As we continue to develop our business, we might sell or buy other businesses. In such transactions, customer information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing Privacy Notice (unless, of course, the customer consents otherwise). Also, in the unlikely event that Retirement Watch or substantially all of its assets are acquired, customer information will of course be one of the transferred assets.

Protection of Retirement Watch and Others: We release account and other personal information when we believe release is appropriate to comply with the law; enforce or apply our Conditions of Use and other agreements; or protect the rights, property, or safety of Retirement Watch, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Obviously, however, this does not include selling, renting, sharing, or otherwise disclosing personally identifiable information from customers for commercial purposes in violation of the commitments set forth in this Privacy Notice.

With Your Consent: Other than as set out above, you will receive notice when information about you might go to third parties, and you will have an opportunity to choose not to share the information.

Discussions
If we establish a Discussion section on the site, it will provide you with an opportunity to tell us and other members what you think and to read what other members have to say. When you use such Discussion features (for example, by posting a message on our Discussions message boards, responding to our Question of the Day or by participating in an E-mail Express Yourself forum), we might make public any information that you provide including your name, location and e-mail address.

Your Ability to Choose
When you subscribe to Retirement Watch, you can let us know that you do not wish to receive information about new features and special offers by opting out at the time you give us your personally identifiable information or by contacting us at www.retirementwatch.com/register.asp.

Cookies
We might employ cookie technology to help visitors and subscribers move faster through our site. When you sign on to our Web site or take advantage of several key features, we might pass cookies to your computer. A cookie is a string of information that is sent by a Web site and stored on your hard drive or temporarily in your computer's memory.

The Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, cookies allow you to take full advantage of some of Retirement Watch's features, and we recommend that you leave them turned on.

Security
The personally identifiable information we collect about you is stored in limited access servers. We will maintain safeguards to protect the security of these servers and your personally identifiable information.

Correction
You may change or update the personally identifiable information/registration information that you have provided to us by visiting www.retirementwatch.com/register.asp or by contacting Customer Service at Service@retirementwatch.com.

E-mail by Topic
We might provide a periodic e-mail service that is available by separate subscription. The only personally identifiable information that we will collect in connection with the e-mail service is your e-mail address. If you want to update or change the e-mail address that you use to receive this e-mail service, you must unsubscribe and then re-subscribe with your new e-mail address. We might also include Web beacons (invisible images often referred to as pixel tags or clear GIFs) in our e-mail messages in order to count how many e-mail messages have been opened.

Policy Modifications
We might change this Privacy Policy from time to time. We will post any changes here, so be sure to check back periodically.

Transfer to U.S.
If you are located outside of the United States, please note that the information you provide to us will be transferred to the United States. By subscribing to WSJ.com, you consent to this transfer.

Comments and Questions
If you have any questions, comments or concerns about our Privacy Policy, you may contact us at service@retirementwatch.com.

This policy was last updated on March 20, 2003.