Wiser Retire

11/4/2019 Privacy Policy | Wiser Retire

Wiser Retire Privacy Policy

Last updated on November 8th, 2019

This Wiser Retire Privacy Policy (the "policy") describes the specific policies and procedures we use to collect, utilize, disclose, share, and protect your Personal Information. We refer to Wiser Retire Corporation and our operating subsidiaries, Wiser Retire, LLC, collectively as"Wiser Retire”, "we"or"us". Together with our Terms of Use Agreement and Terms of Use (/terms-of-use/), this Privacy Policy governs your use of our platform and services.

Wiser Retire is committed to the protection of our visitors, users, and clients (also referred to as"you"or"your")privacy. We understand that keeping your information secure and confidential is critical to earning and keeping your trust. 

Let us be clear - we do not rent, sell, or trade your Personal Information.

How to Use this Privacy Policy

This policy describes if and how your Personal Information is shared and/or disclosed, how we collect and use other information, and how we address other privacy matters - such as deletion of your Personal Information upon request, and opting-out of marketing communications. Lastly, we describe methods for contacting Wiser Retire if you have privacy questions, comments, or feedback.

Transparency is one of the best ways to earn your trust. The summary table below explains what information we collect from you and why, based upon your relationship with us and as your relationship evolves with Wiser Retire. This progression model is presented below.




>  For security analysis purposes

>  To understand who is interested in our services

>  To assess the effectiveness of our

marketing efforts

>  To monitor usage patterns and improve our site or products

>  Your internet protocol (IP) address

>  Your cookie information

>  Where do you visit us from

>  Your browser information

Individuals who visit our Public Website without logging into an account or using our service


> Your email address, name and phone number

>Your financial credentials and information (optional)

>Financial planning information (goals, age, retirement, family, etc.) (optional)

>  For security purposes

>  To provide you with our service and consolidated financial Account

>  To contact you to propose and/or perform our complimentary consultation (if eligible)

Individuals who establish an account with us or otherwise use our services offerings, including our financial Account software


Individuals who become clients of our Wealth Management and Financial Advisor service and establish a Wiser Retire managed investment account

>  To open your investment accounts with us

>  Inform your Financial Advisor to provide you personalized service

>  Regulatory and legal requirements

> Detailed personal information to open your accounts (e.g.: SSN, name, address, spouse, etc.)



How We Collect & Use Your Information

"Personal Information”means your personally identifiable information such as your name, email or mailing address, phone number, account credentials (user id and passwords), social security number, government ID numbers, and other information that can be used to identify you personally.

We also collect and use other information that we obtain from your activities using our services. This includes information, that you do not explicitly provide to us, but which may be implicitly provided to us as part of such activities. More information on this is provided below under the Visitors use case.

The following describes in further detail the information we collect at various stages of our relationship with you.


When you visit any of our websites or download our apps, we consider you a visitor.This section describes our privacy practices related to this use.

What do we collect?

Why do we collect it?

Can you limit?

Wiser Retire Cookies

To recognize you when you make a return visit and deliver overall a consistent experience

Most modern browsers allow you to delete or limit cookies

Third-Party Tags and Cookies

To measure our marketing effectiveness

Most modern browsers allow you to delete or limit cookies, including third-party cookies, however, you may not able to limit marketing tags entirely unless you do not visit our sites

Internet Protocol (IP) Address

A part of the basic function of the internet to measure who is visiting us and where they are from

The only way to avoid this is to not visit any of our sites

Browser Metadata (bowser type, version, OS, system language

A basic part of the internet and a way we maintain a positive website experience for most used browsers

Browsers communicate this automatically, however, some third-party extensions may allow you to limit this

What Visitor information do we share?

We share Visitor information in an anonymized format with our marketing partners for the purpose of measuring the effectiveness of our marketing campaigns.


When you register, create a User Account on our Account and begin using our services, we consider you a User.This section describes our privacy practices related to this use case. Keep in mind Users are also considered Visitors so this is information we collect in addition to what was described for Visitors.

What do we collect?

Why do we collect it?

Can you limit?

Email and Password

To establish your account and allow you secure access, to email you about services, updates, maintenance activities, weekly summaries, account related information, and marketing promotions.

No, it is required to have a functioning account. You can, however, opt-out of the marketing emails

Phone Number

To secure logins through multi-factor authentication. We may also contact you through phone for recommended services and for our support team to call you

No, it is required to have a functioning account. You can, however, opt-out of the marketing emails

Financial Planning Information - includes age, retirement age, retirement plan information, risk tolerance, family information, and other demographic information

To provide you our free retirement planner tools within your account, to provide you with an investment risk analysis, fee analysis, distribution analysis

These services are optional

Financial Account Information - third party sites you log into and connect to your Wiser Retire account. May include, but not limited to, insurance companies banks, investment companies, and investment custodians

To provide a holistic view of all your finances in one place. To provide all the available tools within our technology

You may manually add the accounts to the system, as opposed to a direct link. This will not automatically update your account values.

Our Service Providers

As most businesses, we use third-party service providers to deliver the services mentioned in this Privacy Policy. In doing so, we provide some of your data (including your Personal Information) to those third party service providers, on a need to know basis. Those service providers are required under contract with us to safeguard your information. Except where expressly set forth in this policy, our third-party service providers may only use your data to provide services to us or to improve their services.

Marketing Partners

We also share users emails (or email hashes) and names in some cases with Marketing Partners working on our behalf and solely for marketing our services to you. We do not sell or allow your information to be used for any purpose other than to provide services to us. For example, if you participate in our referral program we will share your name and email with our referral management partner so you can be credited the referral bonus.

Security, Legal & Regulatory Requirements

We also reserve the right to disclose information about you that we believe, in good faith, is appropriate or necessary to (i) take precautions against liability, (ii) protect ourselves or others from fraudulent, abusive, or unlawful uses or activity, (iii) investigate and defend ourselves against any third-party claims or allegations, (iv) protect the security or integrity of the Service and any facilities or equipment used to make the Service available, (v) if mandated by law or regulatory requirement, or (vi) protect our property or other legal rights (including, but not limited to, enforcement of our agreements), or the rights, property, or safety of others.

Advisory Clients

If you are opening a wealth management advisory account with us and utilizing our fee-based advisory service, we consider you an Advisory Client.  Advisory Clients are also considered Users and Visitors, so this section describes information that we collect in addition to what was described previously, as applicable.

As part of our relationship with you as an Advisory Client, we will utilize the information we have on your financial Account in order to provide you with our holistic financial advice. We may also, at your request or as appropriate for your situation and needs, recommend third-party services to you.

What Do We Collect?

Why Do We Collect It?

Can You Limit?

Name, Social Security, Mailing Address, Tax Planning Information, Transferred securities information such as cost basis, your beneficiaries, investment accounts, bank accounts, your objectives and goals, other personal information

Opening an account, on your behalf, with an independent securities brokerage trading and clearing custodian account or banking institution enabling us to fund your accounts with your other investments assets or cash

Providing the independent broker or banking institution with ongoing information required to provide continuing services to you allowing us to perform tax analysis on the movement of assets, if applicable

Yes, becoming an advisory client is entirely voluntary. If you opt to become an advisory client, this information is required.

Designing, implementing, and managing your investment portfolio strategy providing you with account statements, trade confirmations, tax information, and other notifications related to the Advisory Service satisfying legal and regulatory requirements.

What Advisory Client Information Do We Share?

Wiser Retire's core business is wealth management. This means that our objective is to win you over as a Wiser Retire Advisory Client. We do not rent, sell, or trade your Personal Information, we do share some information as described in the table below.

Sharing Category 

What do we share and why?

As an advisory client of Wiser Retire, you will have a custodial brokerage account(s)to hold your personal portfolio. Our custodial brokerage partner for our advisory clients' accounts is E-Trade and we will share detailed account Information with them. You will have direct visibility, access, and interaction with E-Trade while you are a Wiser Retire Advisory client. E-Trade has their own Privacy Policy is available at here https://us.etrade.com/l/f/privacy-statement

Wiser Retire does not share this information with other third parties.Marketing Partners we may share your name, mailing address, and email address with our marketing partners to specifically exclude you from certain marketing campaigns. We contractually ensure that our partners do not use your information for any other purposes.

Additional Privacy Information and Your Privacy Rights and Resources

Affiliate Use and Required Disclosures

We may share Personal Information and other user information among our affiliated companies to provide services you have requested or to offer new services or products to you. When we talk about affiliated companies, we mean Wiser Retire Corporation and its subsidiaries - Wiser Retire Advisors Corporation, Wiser Retire Services Corporation, and Wiser Retire Technology Corporation.

In addition, we may disclose Personal Information to third parties when required by law, regulation, or by court order.

How to Request Deletion of the Personal Information We Collect

Wiser Retire allows you to delete your account. You can consult our support article for instructions on how to do so. We will retain information on deleted accounts as required for legal and security purposes.

Opt-out Information

If you request to be added to our Opt-out lists, we will keep your Personal Information on those Opt-out lists as a way to know who has opt out.

•  Advisor phone calls - notify your advisor at the time of the call to place you on the do not call list or reach out to the privacy team

•  Physical Mailings - send your request to our support team or privacy team to be added to Opt-out list

•  Short Message Service (SMS) Messages - Wiser Retire supports industry standards for SMS Opt-out such as replying with "STOP" to opt-out of those messages.

For opt-out requests, please find contact information under"Privacy Questions, Comments or Feedback.”

Email Records

Wiser Retire keeps business records, including emails you send to us, for five (5) years to meet our regulatory compliance requirements. This includes any email you send to our privacy, security, or support teams.

Data Residency

Our services and data are hosted in the United States and are intended for individuals located within the United States.

US State Residents Privacy Notices

To exercise any of your rights described below, please find contact information under "Privacy Questions, Comments or Feedback.

Nevada Residents

We are providing you this notice under Nevada state law. You may be placed on our internal Do Not Call List by contacting us.

In addition to contacting us, Nevada residents can contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, in writing at 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; by calling (702) 486-3132; or by emailing:BCPINFO@ag.state.nv.us.

Vermont Residents

Linder Vermont law, we will not share any Personal Information we collect about Vermont residents with third parties, unless the law allows.

California Residents

Residents of California have the right to request a disclosure describing what types of Personal Information (if any) we have shared with third parties for their direct marketing purposes, and with whom we have shared it, during the preceding calendar year.

Protecting Children's Privacy Online

Wiser Retire is not directed to individuals under the age of thirteen (13), and those children should not provide Personal Information through our websites or applications. We do not knowingly collect information from children under 13 without parental consent. For more information about the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website (https://www.ftc.gov/).

Modifications to our Privacy Policy

We change our privacy practices from time to time as the need arises. When we do, we will revise this Privacy Policy and we will post the revised document on our website.

When changes to this Privacy Policy are material, we will provide notice to Wiser Retire Cash Customers and Advisory Clients.

Privacy Questions, Comments, or Feedback?

Please contact us

Attention: Privacy Team Wiser Retire 1980 Festival Plaza Drive, Ste 460 Las Vegas, NV 89135 844-702-1040

Note that the Privacy Team may not respond to automated requests or other requests that do not appear to be legitimate in nature.