Privacy Policy and Terms & Conditions
Table of Contents
Privacy Policy
Last updated: March 29, 2026 (applies to this Privacy Policy and the Terms & Conditions below)
This retirementreform.org website (the “Site”) is operated by an individual member of an informal group of retired and active lawyers, the Retirement Reform Group (“we,” “us,” or “our”). The Site is noncommercial and ad-free. It does not sell products or services and does not actively collect personal information from visitors. We are an informal group of retired and active lawyers focused on retirement reform and do not operate as a separate legal entity or law firm.
Information We Collect
We collect only the information that is reasonably necessary to operate the Site, which may include:
- Technical information: Our website platform may automatically collect limited technical information such as your IP address, browser type, device information, general location derived from your IP address, and the pages you visit. This is generally collected through our hosting provider and tools used to keep the Site secure and functioning properly.
We do not offer user accounts, login areas, comment sections, or e‑commerce on this Site, and we do not intentionally collect personal information beyond what is necessary to operate the Site and respond to voluntary email communications.
How We Use Information
We use information:
- To operate, maintain, and improve the Site, including monitoring performance and security.
- To analyze aggregate and anonymous usage patterns (for example, page views) in order to understand how the Site is being used.
How We Share Information
We do not sell your personal information. We may share information in the following limited circumstances:
- Service providers and hosting: The Site is hosted on a third-party platform (WordPress) and uses certain hosting provider tools (such as WordPress.com statistics and security features). These providers may process limited personal and technical information on our behalf to operate the Site. Our website is hosted and operated using services provided by Automattic Inc. (including WordPress.com, Jetpack, Akismet Anti‑Spam, and related tools). Automattic may process limited information about visitors (such as IP address, browser information, and page activity) in order to provide hosting, security, performance optimization, analytics, and spam‑filtering services. For more information, please see the Automattic Privacy Notice.
- Legal requirements: We may disclose information if required to do so by law or in response to a valid legal request, or when we believe disclosure is necessary to protect our rights or the rights of others.
- Third-party websites: This Site may include links to third-party websites. We are not responsible for their privacy practices.
Data Retention
We generally retain email submissions and related correspondence as needed to respond to inquiries or for our internal reference, unless a longer retention period is required by law or by good recordkeeping practices.
Security
Information is stored securely by our hosting provider, WordPress.com, which uses industry-standard security measures.
Your Choices
You may choose not to submit information via our email address. In that case, you may not receive a response from us.
Email Communications
If you contact us via email:
- You voluntarily provide your email address and any information in your message.
- We may retain your message to respond or for our records.
- We do not guarantee confidentiality.
- We do not guarantee a response to inquiries.
Children’s Privacy
The Site is intended for adults interested in retirement reform and is not directed to children under 13. We do not knowingly collect personal information from children under 13.
Cookies
This Cookies section explains how cookies and similar technologies may be used in connection with the Site.
What Are Cookies?
Cookies are small text files that are placed on your device when you visit a website. They help websites function properly, remember your preferences, and help us understand how visitors use the Site.
Do We Use Cookies?
Because our Site is hosted on a third-party platform (WordPress) and uses certain tools such as basic statistics, cookies may be set automatically to support security, performance, and basic analytics. We do not intentionally use cookies for targeted advertising or commercial profiling.
Types of Cookies That May Be Used
- Strictly necessary cookies: These are required for the Site to function correctly (for example, to maintain basic security and load the pages reliably).
- Performance and analytics cookies: These may help us or our hosting provider understand, in aggregate, how visitors use the Site (for example, page views and general usage patterns) so we can improve it. This information is typically collected in an anonymized or aggregated form.
We do not knowingly use cookies for interest-based advertising or to track your activity across unrelated websites.
Third-Party Cookies
Some cookies may be set by third parties that provide services to our Site, such as our hosting provider. We do not control these third-party cookies. For more information, you can review the privacy or cookie policies of the relevant service providers.
Managing Cookies
- You can usually configure your browser to block or delete cookies, or to alert you when cookies are being set. Each browser is different, so please refer to your browser’s help or settings for more information.
- If you block or delete cookies, some features of the Site may not function properly.
California and Other Jurisdictions
We are based in San Diego County, California, USA, and primarily intend the Site for use by individuals in the United States. We do not seek to collect more information than is necessary to operate the Site. We do not currently engage in activities that would qualify us as a “business” under specific consumer privacy laws.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The “Last updated” date at the top of this section will be revised when changes are made. Your continued use of the Site after changes are posted means you accept those changes.
Contact Us
If you have any questions about this Privacy Policy, please contact us at retirementreformgroup@gmail.com. Please do not send confidential or sensitive information via email.
Terms & Conditions
These Terms & Conditions (“Terms”) govern your use of the retirementreform.org website (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Site.
About the Site
The Site is operated by an individual member of an informal group of retired and active attorneys known as the Retirement Reform Group. The Site is intended to share ideas, analysis, and policy proposals related to retirement savings reform for lower- and moderate-income workers. The Site does not represent any government agency, employer, law firm, or other organization, and it does not provide legal or other representation to any individual or entity.
No Legal, Tax, or Investment Advice
The content on this Site is for general informational and educational purposes only. It is not legal, tax, investment, policy, or other professional advice, and should not be relied upon as such. You should consult with your own legal, tax, or other professional advisors regarding your specific situation.
No Attorney–Client Relationship
Your use of this Site, including any communication submitted by email, does not create an attorney–client, professional, advisory, fiduciary, or other relationship with the Retirement Reform Group or any of its members. Do not send confidential or privileged information through the Site.
Independent Views
Content linked or referenced on this Site may be authored by individuals associated with the Retirement Reform Group or by other individuals or entities. The views expressed are those of the individual authors and do not necessarily reflect those of the Retirement Reform Group, its members, the Site operator, or their employers or affiliates.
Intellectual Property
Unless otherwise indicated, the content on the Site, including text, graphics, logos, and other materials, is owned by its contributors or licensors and is protected by applicable copyright and other intellectual property laws. You may view, download, or print content for your personal, noncommercial use and for informational purposes. Any other use, including reproduction, modification, distribution, or republication, may require prior permission from the relevant rights holders.
ACEBC® is a registered trademark of the American College of Employee Benefits Counsel.
Unacceptable Uses
- You agree not to use the Site in any way that violates applicable law or regulation.
- You agree not to attempt to gain unauthorized access to any part of the Site or its systems.
- You agree not to interfere with or disrupt the operation of the Site.
Third-Party Links and Content
The Site may contain links to third-party websites or resources, including government agencies, publications, or other organizations. These links are provided for convenience and informational purposes only. We do not control and are not responsible for the content, policies, or practices of any third-party sites.
Disclaimer of Warranties
The Site and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim all warranties, including any implied warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, and noninfringement.
Limitation of Liability
To the fullest extent permitted by law, we will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of, or inability to use, the Site or its content, even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify and hold harmless the operator of this website and the Retirement Reform Group and its members from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.
Governing Law and Jurisdiction
These Terms and your use of the Site are governed by the laws of the State of California and applicable federal law, without regard to conflict-of-law principles. You agree that any disputes arising out of or relating to the Site or these Terms shall be resolved in the state or federal courts located in California, and you consent to the jurisdiction of those courts.
Changes to These Terms
We may update these Terms from time to time. The “Last updated” date in the Privacy Policy section applies to this entire page. Your continued use of the Site after changes are posted means you accept those changes.