Terms of Service & Privacy Policy

Terms of Service (LAST UPDATED SEPTEMBER 14, 2022)

These TOS (“TOS”) govern your use of this Website. By accessing this Website, you are acknowledging and accepting these TOS. These TOS are subject to change by WORKSHOPS FOR RETIREMENT INC. (“WFR”) at any time and at our discretion without notice. Your use of this Website after any changes are implemented constitutes your acceptance of the changes. As a result, we encourage you to consult the TOS each time you use this Website. The date of the latest update or revision of these TOS will be posted at the top of this Website located at:
 https://www.workshopsforretirement.com and any of its related pages (“Website”).
It is your responsibility to review these TOS upon each update. Your continued use of this Website is deemed to be assent to and acceptance of the updated TOS. If you do not agree to the updated TOS as posted you should cease your use of this Website immediately.

INTELLECTUAL PROPERTY
You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by WFR, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content.
As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of WFR. For information on requesting such permission, please contact us at [email protected]

THIRD PARTY REFERENCES / HYPERLINKS
This site may link you to other sites on the internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of WFR, and you acknowledge that WFR is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by or any association with its operators.

YOUR CONDUCT AND COPYRIGHT INFRINGMENT
We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement where appropriate. If you believe any materials accessible on or from the Website infringe your copyright, you may request removal of those materials (or access thereto) from the Website by submitting written notification to our Copyright Agent. In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512)(“DMCA”), the written notice (“DMCA Notice”) must include substantially the following:
1.    Your physical or electronic signature.
2.    Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works.
3.    Identification of the material you believe to be infringing, in a sufficiently precise manner to allow us to locate that material.
4.    Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
5.    A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law.
6.    A statement that the information in the written notice is accurate.
7.    A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
Our designated Copyright Agent to receive DMCA Notices can be contacted as follows:
[email protected]
Place “Copyright Agent” in the subject line of your email.

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be reviewed or received, and no resulting action may be taken.
Please be aware that if you knowingly misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and legal fees).
COUNTER-NOTIFICATION PROCEDURES. If you believe that material you posted on the Website was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (“Counter-Notice”) by submitting written notification to our Copyright Agent (identified above). The Counter-Notice must include substantially the following:
1.    Your physical or electronic signature.
2.    An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled.
3.    Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
4.    A statement under penalty of perjury by you that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled.
5.    A statement that you will consent to local Federal District Court jurisdiction, or if overseas, to an appropriate judicial body.
The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice.

CUSTOMER DISCLAIMERS
WFR is not acting as a financial or legal advisor and makes no guarantee that you will achieve any particular result from participating in any of WFR’s programs, attending any seminars, or from using any of the information on this site. You are solely responsible for the actions you take with respect to your own financial decisions and WFR make no representations regarding any benefits, profits, revenues or financial gains. All financial professionals we list are unaffiliated third-parties and are responsible for their own disclosures, statements, representations, and expertise. WFR does not control or mandate any form of communications or disclosures from such third-party professionals. Please see our complete disclaimers for details.

USER WARRANTIES AND REPRESENTATIONS
You warrant and represent that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these TOS, and to abide by and comply with these TOS.
You warrant and represent that you will abide by any rules or regulations that WFR publishes with respect to conduct of users of the Website, which rules and regulations are hereby incorporated into these TOS by this reference. WFR reserves the right to deny anyone access to any part of or the entire Website if, in WFR’s sole discretion, any user has failed to abide by these TOS or any other agreement with the WFR, or appears likely to do so.
• User accepts that WFR in its sole discretion may, but has no obligation to, monitor all services or any portion thereof, and/or to oversee compliance with these TOS.
• User represents, warrants and agrees that:
– Access privileges may not be transferred, assigned, sold, or given to any third-parties;
– User will not access, store, distribute or transmit any Viruses;
– User will comply with all applicable laws and regulations with respect to use of the Website;
– User will not rent, lease, sublicense, sell, re-sell, distribute, transfer, copy, claim or modify the Website or any component thereof;
– User will not translate, decompile, or create or attempt to create, by reverse engineering or otherwise, the source code from the object code made available hereunder;
– User will not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit the Website or any portion thereof;
– User will not delete or alter any copyright, trademark or other property rights notices from the Website;
– User is solely responsible for acquiring the hardware, software, and network connections necessary to access and use the Website;
– User will not use the Website in any manner, or in connection with any content, data, hardware, software or other materials that infringe upon or violate any patent, copyright, trade secret, trademark, or other intellectual property right of any third party, or that constitute defamation, libel, invasion of privacy, or violation of any right of publicity or other third party right, or that is threatening, harassing or malicious.

CONTACTING US
If you need to contact us, you can submit a support ticket at https://www.workshopsforretirement.com/contact-us-page, email us at [email protected]
Our mailing address is:
Workshops for Retirement, Inc
3010 LBJ Freeway, Ste 1259, Dallas, TX 75234
United States

ACCESSING THE WEBSITE
You are responsible for making all arrangements necessary for you to have access to the Website. WFR reserves the right to withdraw or amend the Website, and any service or material that we provide on the Website, in our sole discretion and without notice to you. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period.

DISCLAIMER OF WARRANTIES
ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. WFR AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL WFR OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WFR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, WFR’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE FOREGOING, SUBSCRIBER’S EXCLUSIVE REMEDY AND COMPANY’S ENTIRE LIABILITY, IF ANY, FOR ANY CLAIMS ARISING OUT OF THESE TERMS OF SERVICE, SHALL BE LIMITED TO THE GREATER OF (I) THE AMOUNT PAID BY SUBSCRIBER TO WFR DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM OR ACTION AROSE OR (II) TWO HUNDRED DOLLARS ($200), REGARDLESS OF WHETHER THE CLAIM OR ACTION IS BASED ON CONTRACT, TORT, WARRANTY, INDEMNIFICATION OR OTHERWISE. THE EXISTENCE OF MULTIPLE CLAIMS WILL NOT ENLARGE THIS LIMIT. YOU SHALL BE RESPONSIBLE FOR ALL CLAIMS AND DAMAGES FROM THIRD PARTIES RESULTING FROM THE MISUSE OF THE SERVICES BY SUBSCRIBER.
When using the Website, information will be transmitted over a medium that may be beyond the control and jurisdiction of the Company. Accordingly, the Company assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website.

CONFIDENTIALITY
You agree to maintain the confidentiality of WFR’s confidential information. For the purposes of these TOS, the term “Confidential Information” means all portions of the Website, and includes all other information reasonably expected by WFR to be kept confidential such as client/customer lists, fees, marketing data, software code, and similar items.

SOCIAL MEDIA FEATURES
Our Website may include social media features and security features, including but not limited to Facebook features and links, Twitter feeds and links, “Add This” buttons or other interactive mini-programs that run on our Website. These features may collect your IP address, which pages you are visiting on our Website, and may set cookies to enable the features to function properly. Social media features and security features are either hosted by a third party or hosted directly on our Website. Your interactions with these third-party features are governed by the privacy policy of such third party.

MOBILE ANALYTICS
WFR may use mobile analytics software to allow it to better understand the functionality of its mobile software on your phone. This software may record information such as how often you use the Website, the events that occur on the mobile Website, aggregated usage, performance data, and where the Website was accessed.

INDEMNIFICATION
Upon a request by WFR, you agree to defend, indemnify, and hold WFR and its other affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this Website.

SEVERABILITY AND INTEGRATION
Unless otherwise specified herein, this agreement constitutes the entire agreement between you and WFR with respect to this site and supersedes all prior or contemporaneous communications between you and WFR with respect to this site. If any part of these TOS is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

JURISDICTION
These TOS shall be governed by and construed in accordance with the laws of the State of Texas.

ARBITRATION MANDATORY
Prior to commencing any litigation, any controversy or claim arising out of or relating to these terms and condition, or the breach thereof, shall first be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Each party shall bear its own costs of such arbitration and the arbitration process will occur by virtual video conference, with a single mutually selected arbitrator. The arbitrator shall use these TOS and any other agreements then in effect between you and WFR to render his/her decision, and may award the victorious party all reasonably incurred legal fees and other costs with respect to the entire process of arbitrating such dispute.

SURVIVAL
All provisions relating to proprietary rights, payment of fees, confidentiality, disclaimer of warranty, indemnification, and limitation of liability, shall indefinitely survive the expiration or earlier termination of your use of the Website.

DATA SECURITY
All information you provide to us is stored on the servers and platforms of our service providers (through whom we provide our services, through contractual agreements), our partners and other third parties. These service providers, partners and other third parties are responsible for keeping your information safe on their respective servers.
We are not responsible for the privacy practices of any service provider, partner and other third-party sites and platforms or other services operated by third parties that are linked to or integrated with the services or for the privacy practices of third-party online advertising companies. When you access the Website, leave the Website via such a link or in any way access a third-party application or click on an advertisement, you should check the applicable privacy policy of the third-party platform to determine, among other things, how they will handle any personally identifiable or other information that they may collect from you.
Access by you of your account is available through your provided email address and a password either selected by you, or provided by us via electronic means. You should not divulge your password to anyone and that you ensure you use a secure web browser. WFR cannot be held accountable for activity that results from your own neglect to safeguard the secrecy of your password and user name. If you share a computer with anyone, you should always log out of your account after you are finished, in order to prevent access to your information from subsequent users of that computer.
Please notify WFR as soon as possible if your username or any password is or has been compromised by immediately emailing 323-776-1900. Please include your name, address, telephone number and e-mail address when you contact WFR, and place “Privacy Administrator” in the subject line of your correspondence, if contacting WFR via email.
Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personally identifiable information, you acknowledge that: (a) there are security and privacy limitations of the internet which are beyond our control; (b) the security, integrity and privacy of any and all information and data exchanged between you and WFR through this Website cannot be guaranteed and WFR will have no liability to you or any third party for loss, misuse, disclosure or alteration of such information; and (c) any such information and data may be viewed or tampered with in transit by a third party.
In the unlikely event that WFR believes that the security of your personally identifiable information in our control may have been compromised, we will notify you as promptly as possible under the circumstances. To the extent we have your e-mail address, we may notify you by e-mail and you consent to our use of e-mail as a means of such notification.
If you prefer for us to use another method to notify you in this situation, please notify WFR with the alternative contact information you wish to be used. Please include your name, address, telephone number and e-mail address when you contact us, and place “Privacy Administrator” in the subject line of your email.

FORCE MAJEURE
Company will not be liable or responsible for any failure to perform, or delay in performance of, any of its obligations that is caused by events outside its reasonable control (“Force Majeure Event”). A Force Majeure Event includes any act, event, non-happening, omission or accident beyond Company’s reasonable control including, but not limited to, restrictions of law, regulations, orders, or other governmental directives, labor disputes, acts of God, third party mechanical or other equipment breakdowns, terrorist attacks, fire, explosions, disease, plagues, pandemic, outbreak of illness, fiber optic cable cuts, interruption or failure of telecommunications or digital transmission links, internet failures or delays, data breaches, storms or other similar events.

CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA)
Accounts made available through this Website are available only to persons of legal age to form a binding contract and who are not persons barred from receiving services under the laws of the United States or other applicable jurisdictions. By registering, you represent that you are a person of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdictions and are accepting these Terms of Service on behalf of yourself. You may not transfer or share your account with anyone. You are liable for all activities conducted through the account.

THIRD PARTY ACTIONS
We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies and persons but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.

GEOGRAPHIC AND OTHER RESTRICTIONS
All content, services, functionality, and/or features (collectively, “Service Functionality”), that may be available on or through Website is subject to United States Export Controls. No Service Functionality from the Website may be utilized by a resident of Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country which the United States has embargoed goods; or (b) anyone on the United States Treasury Department’s list of Specially Designated Nationals or the United States Commerce Department’s Table of Deny Orders. By using any Service Functionality, Subscriber represents and warrants that it is not located in, under the control of, or a national or resident of any such country or on any such list.

CHILDREN’S PRIVACY
We do not knowingly intend to collect personally identifiable information from children under 18 years of age.
IP ADDRESSES
We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.

NO THIRD-PARTY BENEFICIARIES
No person or entity not a party to these Terms of Service will be deemed to be a third-party beneficiary of these TOS or any provision hereof.

COMMITMENT TO DATA SECURITY
All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential.
We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.

COMPLETE UNDERSTANDING
These Terms of Service, together with the Privacy Policy, constitute the sole and entire agreement between you and WFR with respect to the Website and supersedes all prior and contemporaneous understandings, agreements, representations, warranties or TOS, both written and oral, with respect to the Websites. In the event that these Terms of Service and Privacy Policy conflict with any other agreement between you and WRF such other agreement will control.

DISCLAIMER
WFR, its officers, directors, employees, subsidiaries, affiliates, licensors, service providers, and agents are NOT financial advisors, and nothing contained on this Website is intended to be financial advice. WFR is an investment advisory service, NOT an investment advisor, and does NOT serve as a financial advisor or provide personalized financial advice in any way.
Furthermore, the services, strategies, information, and/or products offered by WFR on this Website and/or elsewhere are not to be interpreted as a promise or guarantee of earnings or any specific result.
The education and information presented by WFR are intended for a general audience and does not purport to be, nor should it be construed as, specific financial, legal, or other advice tailored to any individual. You are encouraged to discuss any opportunities with your attorney, accountant, financial professional, or other advisors.
In fact, your personal level of success in attaining the results from using our information, strategies, and/or products totally depends upon your own individual circumstances, the effort you devote to your own financial success, the ideas and techniques used, your finances, the various strategies that your financial, legal, and other advisors may have suggested that you implement, your knowledge, and various other skills. Since these factors differ among each individual, WFR cannot guarantee your success or income level, nor is WFR responsible for any of your actions.
Any and all forward-looking statements on this Website, and/or in any of our products are intended to express WFR’s opinion of the earnings potential that some people may or may not achieve. To the extent that WFR included any case studies or testimonials on this Website, you can assume that none of these stories in any way represent the “average” or “typical” customer experience.

YOU FULLY AGREE AND UNDERSTAND THAT WFR IS NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER THAT OUR PRODUCTS OR SERVICES WILL PRODUCE ANY PARTICULAR RESULT FOR YOU.
YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WFR DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WOFR DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. WFR ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED ON THIS WEBSITE.
UNDER NO CIRCUMSTANCES WILL WORKSHOPS FOR RETIREMENT INC.BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED ON THIS WEB SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.

Privacy Policy (LAST UPDATED MARCH 20, 2026)

“https://www.workshopsforretirement.com/homepage”, operated by Workshops for Retirement, Inc., (“WFR” or “we”) respects your privacy. This “Privacy Policy” summarizes what PII we collect, and how we use and disclose this information.  By using our website (“Site”), communicating with WFR via telephone, email, or otherwise, or by using services provided by WFR (“Services”), you signify your consent to the terms of our Privacy Policy. If you do not agree with any terms of this Privacy Policy, please do not use this Site or submit any PII to us. If you have questions about this Privacy Policy or how it applies to you, you should contact WFR by email at [email protected] or call us at 323-776-1900.

This website contains links to other websites. Please note that when you click on one of these links, you are moving to another website. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours. 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 of when they leave our Site and to read the privacy statements of any other site that collects personally identifiable information.

Personally Identifiable Information that we collect
Personally identifiable information is any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to a name, phone number, and email address (“PII”). PII does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual.

WFR collects PII about users of the Site and those who communicate with WFR via telephone, email, or otherwise, without transacting business (“Visitors”) and individuals that transact business or make use of the Services offered by WFR (“Customers”).

The PII we may collect will depend on whether you are a Visitor or a Customer. From Visitors, we may collect basic user profile information including but not limited to IP addresses, ISPs, and browser types. From Customers, we may collect PII including but not limited to names, addresses, phone numbers, email addresses, payment information, and user profile information.

By providing your contact information while registering for one of our events/workshops, you authorize us and our affiliates to:
Provide a confirmation phone call, and/or email or text message.
Provide a reminder phone call, and/or email or text message.
(If you attended/responded) – Provide a Post-Workshop/service follow-up phone call, and/or email.
(If you did not attend/respond) Post-Workshop/service follow-up inviting you to another workshop/service.
Provide informational updates regarding finance and/or financial professionals.
Request an assessment/review of WFR and/or any Host.
Communicate with you via text message (you are consenting to text communications from us and our partners and/or affiliates), if you provided your phone number.

We may collect basic user profile information from all our Visitors. We collect the following additional information from our Customers: the names, addresses, phone numbers and email addresses, financial information.

We use PII to customize the Site and to make appropriate Service offerings. We may email Visitors and Customers regarding reminders, notifications, to provide information, to assess satisfaction with our Services, or with respect to upcoming events. We may also use PII to contact Visitors and Customers in response to specific inquiries, or to provide the requested information.

COPPA
We do not knowingly solicit data from or market to children under 18 years of age. Accessing the Services by minors is prohibited by the Company. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Website. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at [email protected].

Social Media Features
Our Websites may include Social Media Features and Security Features, including but not limited to Facebook features and links, Twitter feeds and links, “Add This” buttons or other interactive mini-programs that run on our Websites. These features may collect your IP address, which pages you are visiting on our Websites, and may set cookies to enable the features to function properly. Social Media Features and Security Features are either hosted by a third party or hosted directly on our Websites. Your interactions with these third-party features are governed by the privacy policy of such third party.

Sharing PII
We may share limited information about our Visitors with our affiliates, partners, vendors, third party contractors, and other service providers. We also offer the opportunity to “opt out” of receiving information or being contacted by us. WFR organizes seminars that are hosted by trusted “Hosts” and their teams. Most Hosts are financial professionals (CPAs, financial advisors, attorneys, etc.). WFR may disclose the PII of Customers that register for a particular seminar with that seminar’s Host. WFR uses contractual and other means when transferring PII to Hosts to require similar levels of security and privacy protection.
However, Hosts are solely responsible for their own digital security and privacy policies, and WFR has no control over such Hosts or with respect to their compliance with security policies and legal data protection requirements. WFR does not screen, approve, or has any input into Hosts’ digital security or privacy policies. WFR disclaims any liability with respect to such Hosts’ handling of PII any of them may obtain through WFR.
To Comply with the law – WFR will disclose PII to comply with a court order or subpoena or a request from a law enforcement agency to release information. We will also disclose PII when reasonably necessary to protect the safety of our Visitors, Customers, Hosts, and WFR staff.

Merger / Acquisition – WFR reserves the right to transfer PII if we merge with or are acquired by a third party.

How Personally Identifiable Information is stored
Personally Identifiable Information collected by us is securely stored by third party vendors, and may be made available for use by WFR or our Host partners as indicated above.

Choices available to Visitors regarding collection, use, and distribution of the information
Visitors and Authorized Customers may opt out of receiving communications from WFR of any kind, whether updates, notifications, reminders, informational notices, or otherwise, at any time, by responding to emails as instructed, by clicking the ‘unsubscribe’ link, by responding to text messages with “stop”, by contacting us at 323-776-1900, or by emailing WFR at [email protected]. To opt out of communications from Hosts, vendors, partners, or affiliates, you should follow their own opt out instructions in their respective privacy policies or as otherwise provided to recipients of their communications.

Collection of information through technological means (cookies)
When you visit the Site, we may collect information that is automatically sent to us by your web browser. This information may include your web service provider and your numerical IP address. We may also collect other information, such as the type of browser you use, which pages you view, and the files you access.

We use this information to better understand how visitors use our Site and to improve our Site to better meet your needs. The amount of information that is sent by your web browser depends on the browser and settings you use. Please refer to the instructions provided by your browser if you want to learn more about what information it sends to websites you visit, or how you may change or restrict this.

WFR may use “cookies” and other similar devices on the Site to enhance functionality. These devices may track information which includes but is not limited to: (i) IP address; (ii) the type of web browser and operating system used; and (iii) the pages of the Site visited. If you wish to disable cookies, refer to your browser help menu to learn how. If you disable cookies, you may be unable to access some features on this Site. We might use information including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user’s movement and use, and gather broad demographic information.

Cookies may be used for a variety of reasons. We might use Cookies to obtain information about the preferences of our Visitors and the Services they select. We might also use Cookies for security purposes to protect our Customers.

Mobile Analytics
We may use mobile analytics software to allow us to better understand the functionality of our mobile software on your phone. This software may record information such as how often you use the App, the events that occur within the App, aggregated usage, performance data, and where the App was downloaded from.

What partners or service providers have access to Personally Identifiable Information from Visitors and/or Customers?
WFR might enter partnerships and other affiliations with a number of third parties. Such parties may have access to certain PII on a need to know basis for evaluating Customers for service eligibility and/or for events hosted by an affiliate. Our Privacy Policy does not cover their collection or use of this information, and you should consult their privacy protection methodology when communicating with or providing information to such third parties.

General
WFR staff is familiar with and trained on our security policy and practices. The PII of our Visitors and Customers is only accessible to a limited number of qualified staff who are given a unique password to gain access to the PII. We audit our security systems and processes on a regular basis. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering, hacking, malicious attacks, and other breaches, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Visitors or Customers for any such occurrences.

We provide Visitors and Customers with an option to delete/deactivate PII from the Site’s database by contacting us. However, because of backups, third party hosting providers, and records of deletions, it may be impossible to delete an entire record without permanently retaining some residual information.

We will let our Visitors and Customers know about changes to this Privacy Policy by posting such changes on our Site in a prominent location.  However, if we are changing our Privacy Policy in a manner that is not agreeable to you, you must stop using the Site immediately. Your continued use of the Site will be deemed to be your agreement to and acceptance of the new revised Privacy Policy as updated. We reserve the right, in our sole discretion, to change the terms of this Privacy Policy at any time. Any changes are effective immediately upon posting to the Website.
In the unlikely event that we believe that the security of your PII in our control may have been compromised, we will notify you as promptly as possible under the circumstances. To the extent we have your e-mail address, we may notify you by e-mail and you consent to our use of e-mail as a means of such notification.
If you prefer for us to use another method to notify you in this situation, please e-mail with the alternative contact information you wish to be used. Please include your name, address, telephone number and e-mail address when you contact us, and place “Privacy Administrator” in the subject line of your email.

YOUR PRIVACY RIGHTS
Some jurisdictions such as Canada (through the Personal Information Protection and Electronic Documents Act “PIPEDA”) and California (through various laws, including the California Consumer Protection Act (“CCPA”), provide individuals with certain rights regarding their PII. To exercise any rights your jurisdiction may provide, contact us by using the information at the bottom of this Privacy Policy under “How to Contact Us”.  The following are examples of individual rights from PIPEDA and the CCPA. Your rights will depend on the location in which you reside:
•    Being informed about your PII and how we control or process it
•    Viewing and obtaining a copy of the PII we maintain about you
•    Amending or revising the PII we maintain about you
•    Requesting that the PII we keep about you is erased 
•    Objecting to the use of your PII for direct marketing
•    Restricting our use of the PII we maintain about you
•    Knowing from where we obtained your PII
•    To receive the same products or services (to the extent possible) at the same price regardless of whether you exercise your individual rights under this Privacy Policy
•    Withdraw your previously provided consent (only on a prospective basis)
•    Filing a complaint with us or the appropriate governmental entity

We may require that you verify your identity before exercising your individual rights. Unless notified when you make a request, we will honor your request within 30 days. In certain circumstances, we may be able to deny certain requests, as permitted or required by law.

Use of Person-Level Identification Technology

When you visit our website, a third-party service (Visual Visitor, LLC) may identify you personally, including your name, email address, estimated income, net worth, and employment information, based on your browsing behaviour. If you are identified as a visitor, Workshops for Retirement may use this information to contact you by email about our workshops and financial education services. This identification is performed using cookies and similar tracking technologies, as described further below. You may opt out of this identification at any time by using the ‘Do Not Sell My Personal Information’ link on our homepage, or by contacting us directly at [email protected].

Cookie consent

Workshops for Retirement through this web site (the “Site”), makes use of certain technologies, including but not limited to browser cookies, tracking pixels, and other such techniques to gather information about you and your interactions with the Site. By making use of and interacting with this site, you hereby agree to and acknowledge your permission for Workshops for Retirement and its vendors which provide services and technologies which enable to operation of the Site, including but not limited to Visual Visitor, LLC, to make use of the information gathered from and about you through your use and interaction with the Site in accordance with Workshops for Retirement’s Privacy Policy, which can be found at https://workshopsforretirement.com/privacy-page1/ .

Data collection

We collect, use and are responsible for certain personal information about you. When we do so we are subject to various laws in the United States and the General Data Protection Regulation which applies across the European Union (including in the United Kingdom), and we are responsible as “controller” of that personal information for the purposes of those laws.

1. Key Terms. It would be helpful to start by explaining some key terms used in this policy:

We, us, our	Workshops for Retirement
Our representative	Charlie Klarskov
Personal information	Any information relating to an identified or identifiable individual

• Personal Information We Collect About You. We may collect and use the following personal information that identifies, relates to, describes, is reasonable capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:

Categories of Personal Information	Specific Types of Personal Information Collected
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)	Your real name, alias, work postal address, unique personal identifier, online identifier, Internet Protocol address, work email address, or other similar identifiers.
Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.	Your work address, work phone number, work email address, education, employment, and/or employment history
Characteristics of protected classifications under California or federal law.	None.
Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)	Records of products or services considered or inquired about.
Biometric information	None.
Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement)	Information regarding your interaction with an Internet Web site, application, or advertisement
Geolocation data	None.
Audio, electronic, visual, thermal, olfactory, or similar information	None.
Professional or employment-related information	Publicly available information regarding your procession, current employer, and past employers.
Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (FERPA)	None.
Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes	Inferences drawn from any of the information identified above to create a profile about you reflecting your interest in certain products or services.

This personal information is required to provide products AND/OR services to you and/or to connect you with products or services in which you have indicated or demonstrated an interest. If you do not provide personal information we ask for, it may delay or prevent us and/or our customers from providing such products AND/OR services to you.

• How Your Personal Information is Collected. We collect most of this personal information:
• From publicly accessible sources (e.g., social media);
• Directly from a third party (e.g., sanctions screening providers, credit reporting agencies, or customer due diligence providers);
• From a third party with your consent (e.g., companies you do business with);
• From cookies and similar technologies on our website or that of our customer(s) and/or through direct email communications with you.
• How and Why We Use Your Personal Information. Under data protection law, we can only use your personal information if we have a proper reason for doing so, e.g.:
• To comply with our legal and regulatory obligations;
• For the performance of our contract with you or to take steps at your request before entering into a contract;
• For our legitimate interests or those of a third party; or
• Where you have given consent.

A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own rights and interests.

The table below explains what we use (process) your personal information for and our reasons for doing so:

What we use your personal information for	Our reasons
To provide products AND/OR services to you and/or to connect you with products or services in which you have indicated or demonstrated an interest	For the performance of our contract with you and/or our clients with whom you interact.
Gathering and providing information required by or relating to audits, enquiries or investigations by regulatory bodies.	To comply with our legal and regulatory obligations.
Ensuring business policies are adhered to, e.g. policies covering security and internet use	For our legitimate interests or those of a third party, i.e. to make sure we are following our own internal procedures so we can deliver the best service to you
Operational reasons, such as improving efficiency, training and quality control	For our legitimate interests or those of a third party, i.e. to be as efficient as we can so we can deliver the best service for you at the best price
Ensuring the confidentiality of commercially sensitive information	For our legitimate interests or those of a third party, i.e. to protect trade secrets and other commercially valuable information To comply with our legal and regulatory obligations
Statistical analysis to help us manage our business, e.g. in relation to [our financial performance, customer base, product range or other efficiency measures]	For our legitimate interests or those of a third party, i.e. to be as efficient as we can so we can deliver the best service for you at the best price
Updating and enhancing customer records	To comply with our legal and regulatory obligations For our legitimate interests or those of a third party, e.g. making sure that we can keep in touch with our customers about existing orders and new products
Statutory returns	To comply with our legal and regulatory obligations
Ensuring safe working practices, staff administration and assessments	To comply with our legal and regulatory obligations; For our legitimate interests or those of a third party, e.g. to make sure we are following our own internal procedures and working efficiently so we can deliver the best service to you.
Marketing our services and those of selected third parties to: existing and former customers;third parties in whom you have previously expressed an interest in their services;	For our legitimate interests or those of a third party, i.e. to promote our business to existing and former customers.
External audits and quality checks, e.g. for ISO or Investors in People accreditation and the audit of our accounts	For our legitimate interests or a those of a third party, i.e. to maintain our accreditations so we can demonstrate we operate at the highest standards; To comply with our legal and regulatory obligations.

The above table does not apply to special category personal information, which we will only process with your explicit consent.

• Promotional Communications. We may use your personal information to send you or assist in sending you updates (by email, text message, telephone or post) about our products AND/OR services or those of our customers, including exclusive offers, promotions or new products AND/OR services.

We have a legitimate interest in processing your personal information for promotional purposes (see above “How and why we use your personal information”). This means we do not usually need your consent to send you promotional communications. However, where consent is needed, we will ask for this consent separately and clearly.

We will always treat your personal information with the utmost respect and will only share it with other organizations for marketing purposes with your consent or pursuant to legitimate interests.

You have the right to opt out of receiving promotional communications at any time by:

• Contacting us at [contact details for marketing opt-out];
• Using the “unsubscribe” link in emails or “STOP” number in texts; or
• [updating your marketing preferences on our [link to preference center]].

We may ask you to confirm or update your marketing preferences if you instruct us to provide further products AND/OR services in the future, or if there are changes in the law, regulation, or the structure of our business.

• Who We Share Your Personal Information With. We routinely share personal information with:
• Our affiliates;
• Service providers we use to help deliver our products and/or services and those of our customers to you, such as payment service providers, warehouses and delivery companies;
• Other third parties we use to help us run our business, such as marketing agencies or website hosts;
• Third parties approved by you, including social media sites you choose to link your account to or third-party payment providers;
• Our customers in whom you indicate or demonstrate interest in their products and/or services.

We only allow our service providers to handle your personal information if we are satisfied they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers relating to ensure they can only use your personal information to provide services to us and to you. We may also share personal information with external auditors, e.g. in relation to ISO accreditation and the audit of our accounts.

We may disclose and exchange information with law enforcement agencies and regulatory bodies to comply with our legal and regulatory obligations.

We may also need to share some personal information with other parties, such as potential buyers of some or all of our business or during a re-structuring. We will typically anonymize information, but this may not always be possible. The recipient of the information will be bound by confidentiality obligations.

• Personal Information We Sold or Disclosed for a Business Purpose. In the preceding 12 months, we have not sold to one or more third parties the following categories of personal information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:
• Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her signature, social security number, physical characteristics or description, passport number, driver’s license or state identification card number, insurance policy number, education, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information;
• Characteristics of protected classifications under California or federal law;
• Commercial information (e.g., records of personal property, products or services purchased, obtained);
• Biometric information;
• Geolocation data;
• Audio, electronic, visual, thermal, olfactory, or similar information;
• Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (FERPA); and
• Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
• In the preceding 12 months, we have sold, subject to the permission control mechanisms described in this Policy, to one or more third parties the following categories of personal information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:
• 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);
• Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, address, telephone number, and current employment;
• Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement);
• Commercial information (e.g., records of products or services considered, or other purchasing or consuming histories or tendencies);
• Professional or employment-related information;
• Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences.

In the preceding 12 months, we have disclosed for a business purpose to one or more third parties the following categories of personal information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:

• Identifiers (e.g., a real name, alias, work postal address, work phone number, work email address, unique personal identifier, online identifier, Internet Protocol address, email address, or other similar identifiers);
• Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, work address, work telephone number, work email address, education, employment, employment history;
• Commercial information (e.g., records of products or services considered, or other purchasing or consuming histories or tendencies);
• Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement);
• Professional or employment-related information; and
• Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences.
• Where Your Personal Information is Held. Information may be held at our offices and third party agencies, service providers, representatives and agents as described above (see above: “Who We Share Your Personal Information with”).

Some of these third parties may be based outside the European Economic Area. For more information, including on how we safeguard your personal information when this occurs, see below: “Transferring Your Personal Information Out of the EEA”.

• How Long Your Personal Information Will Be Kept. We will keep your personal information while you have an account with us or while we are providing products AND/OR services to you or for your benefit. Thereafter, we will keep your personal information for as long as is necessary:
• To respond to any questions, complaints or claims made by you or on your behalf;
• To show that we treated you fairly; or
• To keep records required by law.

We will not retain your personal information for longer than necessary for the purposes set out in this policy. Different retention periods apply for different types of personal information.

1. Transferring Your Personal Information Out of the EEA. To deliver services to you, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA), e.g.:
2. With our offices outside the EEA;
3. With your and our service providers located outside the EEA;
4. If you are based outside the EEA; or
5. Where there is an international dimension to the services we are providing to you.

These transfers are subject to special rules under European and UK data protection law.

These non-EEA countries do not have the same data protection laws as the United Kingdom and EEA. We will, however, ensure the transfer complies with data protection law and all personal information will be secure.

If you would like further information, please contact us (see “How To Contact Us” below).

1. Your Rights Under the GDPR.

Right to Access	The right to be provided with a copy of your personal information (the right of access)
Right to Rectification	The right to require us to correct any mistakes in your personal information
Right to be Forgotten	The right to require us to delete your personal information—in certain situations
Right to Restriction of Processing	The right to require us to restrict processing of your personal information—in certain circumstances, e.g. if you contest the accuracy of the data
Right to Data Portability	The right to receive the personal information you provided to us, in a structured, commonly used and machine-readable format and/or transmit that data to a third party—in certain situations
Right to Object	The right to object: at any time to your personal information being processed for direct marketing (including profiling);in certain other situations to our continued processing of your personal information, e.g. processing carried out for the purpose of our legitimate interests.
Right Not to be Subject to Automated Individual Decision-Making	The right not to be subject to a decision based solely on automated processing (including profiling) that produces legal effects concerning you or similarly significantly affects you

For further information on each of those rights, including the circumstances in which they apply, see the guidance from the UK Information Commissioner’s Office (ICO) on individual rights under the General Data Protection Regulation.

1. Your Rights Under the CCPA. You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to exercise free of charge:

Disclosure of Personal Information We Collect About You	You have the right to know: The categories of personal information we have collected about you;The categories of sources from which the personal information is collected;Our business or commercial purpose for collecting or selling personal information;The categories of third parties with whom we share personal information, if any; andThe specific pieces of personal information we have collected about you.Please note that we are not required to:Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information; orProvide the personal information to you more than twice in a 12-month period.
Personal Information Sold or Used for a Business Purpose	In connection with any personal information we may sell or disclose to a third party for a business purpose, you have the right to know: The categories of personal information about you that we sold and the categories of third parties to whom the personal information was sold; and The categories of personal information that we disclosed about you for a business purpose. You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the sale [or disclosure] of your personal information. If you exercise your right to opt-out of the sale or disclosure of your personal information, we will refrain from selling your personal information, unless you subsequently provide express authorization for the sale of your personal information. To opt-out of the sale or disclosure of your personal information, visit our homepage and click on the Do Not Sell My Personal Information link here: [URL].
Right to Deletion	Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will: Delete your personal information from our records; andDirect any service providers to delete your personal information from their records.Please note that we may not delete your personal information if it is necessary to:Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;Debug to identify and repair errors that impair existing intended functionality;Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;Comply with the California Electronic Communications Privacy Act;Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;Comply with an existing legal obligation; orOtherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Protection Against Discrimination	You have the right to not be discriminated against by us because you exercised any of your rights under the CCPA. This means we cannot, among other things: Deny goods or services to you;Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties;Provide a different level or quality of goods or services to you; orSuggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services. Please note that we may charge a different price or rate or provide a different level or quality of goods and/or services to you, if that difference is reasonably related to the value provided to our business by your personal information.

1. Keeping Your Personal Information Secure. We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorized way. We limit access to your personal information to those who have a genuine business need to access it. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality. We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.

1. How to Exercise Your Rights. If you would like to exercise any of your rights as described in this Privacy Policy, please:
2. Complete a data subject request form available on our website at [URL];
3. Call us, toll-free, at 323-776-1900; or
4. Email/write to us at [email protected] or write to: Workshops for Retirement, Inc, 3010 LBJ Freeway, Ste 1259, Dallas, TX 75234.

Please note that you may only make a CCPA-related data access or data portability disclosure request twice within a 12-month period.

If you choose to contact us directly, you will need to provide us with:

• Enough information to identify you [(e.g., your full name, address and customer or matter reference number))];
• Proof of your identity and address (e.g., a copy of your driving license or passport and a recent utility or credit card bill); and
• A description of what right you want to exercise and the information to which your request relates.

We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf.

Any personal information we collect from you to verify your identity in connection with you request will be used solely for the purposes of verification.

1. How to File a GDPR Complaint. We hope that we can resolve any query or concern you raise about our use of your information.

The General Data Protection Regulation also gives you right to lodge a complaint with a supervisory authority, in the European Union (or European Economic Area) state where you work, normally live, or where any alleged infringement of data protection laws occurred.

1. Children Under the Age of 13. Our Services are designed to be compliant with the Child Online Privacy Protection Action. As such, our Services are not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Services, unless an account is set up by a parent or legal guardian. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on the Services or on or through any of its features without parental consent. Any personally identifiable information regarding a child under the age of 13 must be provided by a parent or legal guardian following completion of our verification process used to ensure that the person entering the information has the legal authority to do so. For more information on what constitutes a verifiable method of parental consent, please review 16 C.F.R. § 312.5. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us the contact information set forth below.
2. Changes to This Privacy Notice. This privacy notice was published on [date] and last updated on [date].

We may change this privacy notice from time to time–when we do, we will inform you via [mechanism for informing the data subject of changes to the notice, e.g., our website or other means of contact such as email].

1. How to Contact Us. Please contact us by post, email or telephone if you have any questions about this privacy policy or the information we hold about you.

Our contact details are shown below:

Our contact details:	Attn: Data Protection Officer
contact address	Workshops for Retirement, Inc, 3010 LBJ Freeway, Ste 1259, Dallas, TX 75234
contact email address	[email protected]
contact telephone number	323-776-1900

Do You Need Extra Help? If you would like this notice in another format (for example: audio, large print, braille) please contact us (see “How to contact us” above).

Notice to California Residents
If you are a California resident and have provided us with PII, California law gives you the right to request and receive from us, once per calendar year, information as to how we have shared your PII with third parties for their direct marketing purposes. If applicable, such information would include a list of names and addresses of all third parties with whom such information was shared during the prior calendar year as well as a list of the categories of PII shared.

You may make such a request by contacting us by email. You must include your name, physical mailing address and email address when you contact us. Please also include your telephone number, whenever possible. You must place “Privacy Administrator” in the subject line of your email. We will respond to your request within thirty (30) days of receiving such request.

In the event that we may provide your PII to third-parties, such third-parties are also obligated to keep your PII secure and confidential. Such third parties’ use of your PII will be subject to their privacy policies. You should contact those entities directly regarding any communications you may receive from them, including, if you later decide that you no longer want that third party to use your PII.

Even in the event that you wish to request information about how to exercise your third-party disclosure choices and other rights afforded under the state law of California, we will retain your information for as long as your account is active or as needed to provide you Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Because we keep track of past transactions for as long as is reasonably necessary, you cannot delete information associated with past transactions on this Site. In addition, it may be impossible to completely delete your information without some residual information because of backups.

How to Contact Us  
If you have any questions regarding this Privacy Policy, to exercise any of your rights regarding your PII, or to make a complaint, please contact us by phone at 323-776-1900, by email at [email protected], or by mail direct to Workshops for Retirement, Inc, 3010 LBJ Freeway, Ste 1259, Dallas, TX 75234.