Pension For Teachers ("we", "us", and "our") is committed to respecting the privacy of the Personal Information that we process in connection with our public-facing website at pensionforteachers.com and all associated sites linked to it by Pension For Teachers, its subsidiaries, and affiliates (collectively, the "Site"). Please read this Privacy Notice carefully to understand how we collect, use, and process Personal Information.
By visiting, accessing, or using the Site you acknowledge and agree that you have received and read this Privacy Notice. We may update this Privacy Notice from time to time as described in Section 12 below. Questions, comments, or concerns? Contact us at pensionforteachers@gmail.com.
- Scope
- What Personal Information Do We Collect
- How We Use Personal Information
- How We Share Personal Information
- Cookies and Tracking Technologies
- How We Protect Personal Information
- Children's Privacy
- Third-Party Links
- How Long We Retain Personal Information
- Do Not Track Preferences
- Your California Privacy Rights
- Changes to This Privacy Notice
- Cookie Policy
Scope
This Privacy Notice applies to Personal Information that Pension For Teachers collects, uses, and shares when you:
- Access or use the Site; or
- Communicate with us through any written, electronic, or oral communications via our website or other means.
What Personal Information Do We Collect and How
As used in this Privacy Notice, "Personal Information" means any information that identifies or could be used to identify an individual person, which may include name, email address, and phone number. If you apply to a job posting listed on the Site, we will also collect any Personal Information in connection with your resume, CV, or cover letter that you elect to submit to us. It also includes other non-public information that we associate with such identifying information. Personal Information does not include aggregated and anonymized information.
a. Information You Provide to Us
We collect information that you provide directly to us when you access or use our Site or when you interact with us. If you contact us — such as by submitting a pension review request form or sending us an email — we may collect your name, email address, school district, and any other information you choose to include. If you complete surveys or submit feedback, we collect information to process and respond to your submission.
You may choose not to provide information directly to us. However, some Personal Information is necessary so that we can provide you with the services you have requested. Failure to provide this information may prevent us from providing you with access to our Site or from scheduling a pension review.
b. Information We Collect Automatically
When you access or use our Site, we or our third-party service providers automatically collect information about the device you use and your activity. Depending on your activity, the information may include:
- Device and Usage Information: IP address, browser type, unique device identifiers, approximate location (via IP address), hardware information, operating system version, log information, crash data, clickstream data, access dates and times, referring/exit pages and URLs, and pages viewed.
- Cookies and Other Tracking Technologies: We and our third-party service providers may collect information using Cookies or similar technologies such as pixels or locally stored objects. Please refer to Section 13 (Cookie Policy) for more information.
c. Information Collected from Third Parties
In some instances, we process Personal Information we receive from third parties, which consists of:
- Pension For Teachers Service Providers: We receive information from service providers who perform business services for Pension For Teachers, such as Site information from third parties that assist us in operating our Site.
- Analytics and Research Providers: We may receive information from entities who perform analytics functions for Pension For Teachers.
How We Use Personal Information
We use the information we collect in the following ways:
- To provide and operate the Site;
- To update, improve, and/or enhance the Site or our services and to develop new features, functionality, and services;
- To provide technical support for, secure, and protect the Site, including to detect and prevent fraud, abuse, or security risks, and to track outages and troubleshoot;
- To generate analytics and create reports related to the Site;
- To market our retirement planning and educational services to you;
- To respond to your inquiries and requests, or otherwise communicate with you to schedule or provide a pension review;
- To send you newsletters or other email communications related to CalSTRS, CalPERS, and educator retirement planning;
- To enforce our agreements with you, resolve disputes, and protect our business interests and the rights of third parties;
- To comply with legal and contractual obligations and requirements;
- To keep you updated about changes to policies relating to our Site (including this Privacy Notice); and
- For any other purpose with your consent.
Cookies and Tracking Technologies
For information about how we use Cookies and similar tracking technologies and to learn how to manage Cookies, please see our Cookie Policy in Section 13 below.
How We Protect Personal Information
At Pension For Teachers, we take our responsibility to protect the security and privacy of Personal Information seriously. We have implemented what we believe to be reasonable and appropriate security measures designed to prevent Personal Information from being lost, used, accessed, altered, or disclosed in an unauthorized or unlawful way.
However, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee that Personal Information is completely protected from such risks. By using the Site, you understand and assume the risks associated with your activities on the Internet.
If you have reason to believe that your information is no longer secure, please contact us at pensionforteachers@gmail.com.
Children's Privacy
Our Site is not intended for use by minors under the age of 13, and we do not knowingly collect Personal Information directly from minors under the age of 13. If you learn that a child under the age of 13 has provided us with Personal Information, please contact us at pensionforteachers@gmail.com.
Third-Party Links
On the Site, we may provide links to other websites or resources with which we do not have a contractual relationship and over which we do not have control ("External Websites"). Such links do not constitute an endorsement by Pension For Teachers of those External Websites and are provided only as a convenience. By clicking on links to External Websites, the operators of those External Websites may collect your Personal Information. We are not responsible for the content or data collection practices of External Websites, and your use of them is subject to their respective terms of use and privacy policies.
How Long We Retain Personal Information
We retain Personal Information for the purposes stated in this Privacy Notice and as required under applicable law. To determine how long we keep Personal Information, we consider the amount, nature, and sensitivity of the data, the reasons for which we collect and process it, and applicable legal requirements.
Do Not Track Preferences
Our Site does not monitor for or behave differently if your browser or device transmits a "do-not-track" or similar message.
Your California Privacy Rights
If you are a California resident, you may ask us to refrain from sharing your Personal Information with our affiliates and third parties for their direct marketing purposes. We do not share Personal Information with third parties for their own marketing purposes.
For additional information about your rights under the California Consumer Privacy Act (CCPA), or to submit a request regarding your Personal Information, please contact us at pensionforteachers@gmail.com.
Changes to This Privacy Notice
We may update this Privacy Notice from time to time. When we do, we will revise the "Effective Date" at the top of this page and post the updated Privacy Notice on our Site. Changes are effective when posted. If we make any material changes, we will provide you with notice as required under applicable law. You are advised to review this Privacy Notice periodically.
Cookie Policy
The following section contains our website's cookie policy ("Website Cookie Policy").
A. What Are Cookies?
Cookies are small data files placed on your computer or mobile device by the website provider or by third parties when you visit a website or other online service. The Cookies Pension For Teachers uses provide content or features on our Site, help us remember you and your preferences, and improve your user experience. You can find more information about cookies at allaboutcookies.org.
In addition to Cookies, we use other technologies that are similar in function, such as pixel tags and local or web storage:
- Web Beacons: Tiny graphics with a unique identifier placed on a website or in an email that gather information about your interaction with that website or email.
- Flash Cookies: Also known as local shared objects, commonly used for videos; they collect and store information about your use of a website and its video features.
We use the term "Cookie" throughout this Cookie Policy to cover all these technologies.
B. Types of Cookies
Cookies are often described by who created and placed them and how long they last:
- Persistent Cookies: A persistent Cookie stays in your browser and will be read by us when you return. It helps us recognize you as an existing user so it's easier for you to return to and interact with our Site.
- Session Cookies: A session Cookie is temporary and enables you to move from page to page on our Site, remembering information you enter. It is deleted when you close your browser or after a short time.
- First-Party Cookies: Cookies set by the publisher of the website you are visiting — either by us or by a service provider at our request.
- Third-Party Cookies: Cookies set by a party other than the publisher of the website you are visiting.
C. What Types of Information Do Cookies Collect?
Some examples of information that may be collected by Cookies when you use our Site include:
- The pages you visit;
- The buttons you click;
- The date and time you visit;
- The amount of time you spend on our Site;
- The IP address used to connect your device to the internet; and
- Your device and connection information such as your browser type and version and operating system.
D. How Do We Use Cookies?
We, our service providers, or agents acting on our behalf, use the following types of Cookies on our Site:
- Strictly Necessary Cookies: These Cookies are essential because they enable our Site to work properly and cannot be disabled. They do not gather information about you for marketing purposes. For example, they are used to remember form information, pass data between pages, authenticate users, and prevent fraud.
- Functional Cookies: We may use functional Cookies to remember your choices and provide enhanced features and personalized content, such as remembering your name or preferences. Disabling these may result in reduced functionality during your use of our Site.
- Performance or Analytics Cookies: These Cookies help us understand how our Site is being accessed and used. They may collect information about the content you view, the websites you visit before and after our Site, and geographic information. We use this data to maintain and continually improve our Site, track visitor counts, page times, visit order, and identify areas for improvement.
E. How to Manage or Delete Cookies
You can exercise your preferences concerning Cookies served on our Site by taking the steps outlined below. To learn more, including how to opt out of Cookies, please visit allaboutcookies.org.
Browser Settings: You may accept all or only certain Cookies by adjusting your browser settings. If you disable Cookies, certain sections of our Site may not work.
- First-Party Cookies: Adjust your Internet browser settings to reject some or all Cookies and to alert you when a Cookie is placed on your device. Follow the instructions provided by your browser (usually located within the "Help," "Tools," or "Edit" settings). Adjusting browser settings prevents future placement but does not remove existing persistent Cookies.
- Third-Party Cookies: Modern browsers allow you to block third-party Cookies using the same steps described above.
Preferences Tools: Several services can assist you with managing Cookie preferences. Please note that Pension For Teachers has no affiliation with and is not responsible for any third-party websites.
- Google Analytics: Download the Google Analytics opt-out browser add-on at tools.google.com/dlpage/gaoptout.
- Do Not Track: You may turn on the Do Not Track ("DNT") setting in your browser. Please note that not all companies honor DNT signals. Our Site does not respond to DNT signals.
- Web Beacons and Pixels: You may avoid web beacons and pixels by disabling remote images in your email client and refraining from clicking links in email messages.
F. Changes to This Cookie Policy
Pension For Teachers reserves the right to amend this Cookie Policy at any time. If we update this Cookie Policy, we will revise the "Effective Date" of the Privacy Notice that includes this Cookie Policy and post a link to the updated version on our Site. Changes are effective when posted. If we make any material changes, we will provide you with notice as required under applicable law.