[This Privacy Policy was last updated on June 24, 2008.]

LifeTuner Understands How Important Privacy Is to You

We are committed to protecting your privacy and want to make sure that you understand how information about you is used. We also want you to be aware that you have choices about how we use this information.

Information We Collect and Use

We may collect information from you when you use LifeTuner.org. We use this information to customize the content and advertising you see on LifeTuner.org and to improve the site for your future visits. By knowing about you, we can deliver more helpful financial information and tailor LifeTuner.org to your interests. To make use of certain features on LifeTuner.org, you may need to register and provide information about yourself as part of the registration process.

The kinds of information that we collect from users fall into two categories:

1. We may collect information that you voluntarily supply when you register for LifeTuner.org and when you use services on LifeTuner.org that are available to registered and non-registered users. This information may include personal information, such as your name, address, telephone number, or email address.

2. We may collect aggregated statistical information, such as measuring user traffic on various pages within LifeTuner.org and collecting information about the overall habits and preferences of our users. Such aggregated information does not include any information that would identify you personally.

In some cases, an agent or vendor of LifeTuner may collect user information on our behalf.

Children’s Privacy

Children should always get permission from their parents before sending any information about themselves on any website. LifeTuner.org is not directed at children under 13 and we do not knowingly collect personally identifying information from children under the age of 13 as part of this site.

Information Sharing

We share personal information about you only to those companies that help us operate LifeTuner.org. We do not sell or rent any personal information about our users to telemarketers, mailing list brokers, or any other companies. We also may release personal information about our users when required to do so by law or in cases where releasing such information is necessary to protect us or our users.

Your Choices

We respect your choices. If at any point you decide that you would like to delete your My Tuner profile, please contact us as specified below and we will remove any personal information about you from our primary servers. For more information on this, please see Question and Answer #6 below. If your registration information changes during your use of LifeTuner, you may update the email address and zip code by modifying your data in your My Tuner profile.

For More Information

For more detailed information about our privacy practices, and about privacy on LifeTuner.org, please review the Questions and Answers below. To exercise your choices, or ask questions, please contact by e-mail at privacy@LifeTuner.org, by phone at 202-434-3511, or by mail:

LifeTuner
601 E St. NW
Washington, DC 20049

Privacy and LifeTuner.org - Questions and Answers

The following Questions and Answers address LifeTuner and LifeTuner.org privacy issues in more detail. We want to make sure that you understand the types of information that are collected at LifeTuner.org, the ways in which that information is used and protected, and the choices that you have about this collection and use. Specifically, this privacy policy answers the frequently asked questions listed below.

In this policy, the terms "LifeTuner," "we," "our," and "us" refer to AARP and its affiliated entities, such as, for example, AARP Services, Inc. The terms "you" and "your" refer to LifeTuner.org users like you.

1. Do I have to submit any personal information in order to use LifeTuner.org?

You do not need to give us any information about yourself in order to access most of LifeTuner.org; however, if you want to participate in certain activities on the site, including creating a My Tuner profile, receiving email newsletters, asking or responding to questions, or take part in community activities, such as joining discussion groups, you will need to register on LifeTuner.org.

Again, you do not have to disclose any personal information if you do not want to. You can always decide not to use the optional services that require the submission of such information. The choice is yours. Our primary interest in acquiring information about you is to offer you convenient online services that match your interests and needs.

2. Does LifeTuner.org collect non-personal information, using "cookies" or otherwise?

We collect other types of information that do not identify your name, e-mail address, or other personal characteristics. This "non-personal information" includes the number assigned to your computer whenever you access the Internet ("IP address"), and the type of browser you use.

We use this information to help us evaluate how LifeTuner.org is being used. Our primary purpose in collecting this information is to provide you with the services you request, and to evaluate and improve other services that we offer. By gathering this information, we can learn, among other things, how many people visit LifeTuner.org, which LifeTuner.org pages are the most and least popular, and which other websites are the most frequent referral sources forLifeTuner.org. We may also use this information for other purposes. For example, we may review demographic information, survey results, and statistical analyses of LifeTuner.org usage in order to help us evaluate, modify, and develop services that are likely to be of interest to our users.

We may also assign a "cookie" to your computer in some situations. Like an IP address, a "cookie" is a kind of online identification tag that allows us to recognize your computer each time you visit LifeTuner.org. For example, the LifeTuner online community, that is, those registered users of LifeTuner.org who submit personal profiles, or participate in message boards, chat rooms, and user groups, uses cookies to recognize returning registered users of the site.

Unless you have already provided us with personal information on LifeTuner.org or an affiliated site, cookies do not allow us to identify you by name, e-mail address, or other personal characteristics. We use cookies primarily to identify return visitors and make your LifeTuner.org experience more convenient.

We may use vendors for various purposes. For example, we may use a vendor to place LifeTuner-approved banner advertisements on LifeTuner.org. The cookies allow us to manage the delivery of these ads – for example, by counting the number of times a visitor has viewed different banners. If a visitor has viewed the same banner a number of times, LifeTuner can use the vendor's system to automatically display different banners in the next visit. LifeTuner has complete control over the banners that are placed on LifeTuner.org through this system.

We also may use a vendor to collect aggregate information aboutLifeTuner.org usage – such as the most visited pages and features. This vendor will also use cookies and transparent image tags to collect this information. Like cookies, image tags do not allow us or the vendor to identify you by name or other personal characteristics. These vendors do not collect any personal information from users on LifeTuner.org, and they do not share the non-personal information collected on LifeTuner.org with anyone else for any other purpose.

Web beacons are images embedded in a web page or email for the purpose of measuring and analyzing site usage and activity. LifeTuner, or third-party service providers acting on our behalf, may use web beacons to help us analyze site usage and improve the LifeTuner.org.

If you are uncomfortable allowing cookies to be placed on your computer, read this article on LifeTuner.org that explains how to set your browser so that it will not accept these cookies, or so that it will notify you whenever a website is trying to use cookies. If you choose not to accept cookies, the full functionality of the site may be impaired for you, and you may not be able to use certain features of LifeTuner.org or linked sites. You will still be able to visit the general LifeTuner.org pages without cookies.

LifeTuner may ask you to participate in surveys designed to help improve LifeTuner.org. Any personally identifying information provided to LifeTuner in connection with any survey will be used only in relation to that survey. LifeTuner may aggregate survey data (such data will not include any personally identifying information) and disclose such aggregate data manner to:

• Advertisers and other third parties for their marketing and promotional purposes;
• LifeTuner users for purposes of comparison of their personal financial situation relative to the broader community.

3. Is any information shared with other companies or organizations, and can I "opt out"?

LifeTuner takes very seriously its responsibility to keep information about you confidential and private. We do not sell or rent any personal information about our users to telemarketers, mailing list brokers, or any other companies, except for those companies which help us operate LifeTuner.org and provide related services to our users. We contractually require all such companies to and maintain the security and confidentiality of your personal information and these companies are prohibited from using your personal information for any purpose other than providing the services specified in their contracts with LifeTuner.

If you do not want us to share your personal information with these companies, you can:

• e-mail us at privacy@LifeTuner.org
• call us at 202-434-3511
• write to us at LifeTuner, 601 E St. NW, Washington, DC 20049

We also may release personally identifying information or use non-personal information to identify a user when required to do so by law or when such action is necessary or appropriate to comply with legal process served on LifeTuner, to protect and defend the rights or property of LifeTuner or its affiliated companies and entities, or to protect the personal safety of users of LifeTuner.org. We reserve the right to contact the appropriate authorities in our discretion when users' activities appear to be illegal or inconsistent with our policies. In the unlikely event that LifeTuner or LifeTuner.org is sold or otherwise transferred to another company, information about LifeTuner.org users might be among the assets transferred to the new owner.

Finally, we may sometimes share aggregate statistics and non-personal information with the media, government agencies, advertisers, and other third-parties. For example, we may publish statistics on the number of users in various states or the number of total users of LifeTuner.org. These aggregate statistics will not allow anyone to identify users’ names or other personal information.

4. What privacy policy rules apply when I "click" over to other websites?

LifeTuner.org includes links to other websites. Other sites may also collect personal information, and may have their own privacy policies that differ from, and are not covered by, this Privacy Policy. It is important that you review and understand the privacy policies posted on any linked sites you visit before volunteering any of your personal information or using any services or programs offered on such sites.

When you click to unaffiliated third-party sites, LifeTuner is not responsible for, and has no control over, the information collection or privacy practices of these sites. These sites may also collect cookies, or allow third-party advertisers on their sites to collect cookies. You can often find information regarding a site and its privacy policy on the site's home page. If you cannot find or do not like a site's privacy policy, you may prefer not to do business with, or offer information to, that site.

5. Do privacy protections exist in LifeTuner's Online Community?

The information you submit in discussion groups, questions and answers, and the “Tips” section of LifeTuner.org is publicly displayed. Your messages will be seen by people and organizations not related to LifeTuner, and may be used by these third parties to contact you or to send you unsolicited messages. As a result, you should be very careful about the information that you publish online. Because these unrelated parties will also see your User Name on any postings that you make in online forum, you may not want to use your full name. You can use your first name only, or use an assumed name, if you like.

If you register and elect to share any personal information about yourself with the community by tagging the information as “Public" in your My Tuner profile, then such information will be available to the entire registered community, but only in association with the your User Name. You may deselect this feature at any time by tagging the information in your My Tuner profile as “Private.” Please refer the LifeTuner.org Terms of Service to learn more about using interactive features of LifeTuner.org, including the LifeTuner Online Community.

6. How doesLifeTuner.org protect security and confidentiality?

In order to protect your personally identifying information, we use technologies and processes such as encryption, access control procedures, network firewalls, physical security, and other measures. These measures increase the security and privacy of information traveling to, from, and within LifeTuner.org. Only our authorized employees or agents carrying out permitted business functions are allowed to access personal information. Employees who violate our privacy access policies may be subject to disciplinary actions, including termination when appropriate.

In order to use certain features on LifeTuner.org, we require you to use a password to protect your account from unauthorized access by others. If you believe that your User Name and/or password have been stolen or been made known to others, please contact us immediately at security@LifeTuner.org to request a change. We also recommend that you change your password periodically. If you have a security-related concern, please contact us at security@LifeTuner.org. We are committed to working with you to ensure a rapid and personal response to your concerns.

This Privacy Policy describes the types of information we currently collect, and the ways we use and protect that information. If you are uncomfortable with our policies and practices, please do not provide any personal information to us through LifeTuner.org.

If at any time you would like us to delete the personal information about you that we have collected, please contact us using the information in the “For More Information” section above. At your request, we will permanently delete your My Tuner profile and all personal information about you from our primary production servers that we use to operate LifeTuner.org. Information about you may remain on our archive and backup servers that we use to ensure continued availability of LifeTuner.org in case of a problem with our primary production servers. Aggregate statistical data derived from your profile or your use of LifeTuner.org may remain on any of our servers, but such data will not contain any personally identifying information about you.

From time to time, we may collect different types of information and use that information in different ways – for example, when we add features or services toLifeTuner.org. In these cases, we may edit this Privacy Policy to explain the new practices and will list the date on which the policy was last updated.

7. Whom can I contact with privacy questions?

If you have any questions or comments about your information or this privacy policy, please send an e-mail to privacy@LifeTuner.org, go to www.lifetuner.org/feedback, call us at 202-434-3511, or write us at the address listed above. We will do our best to investigate any complaint you may have and respond promptly to your concerns.

For more information about online privacy issues generally, we encourage you to visit the websites of the Federal Trade Commission, the Electronic Frontier Foundation, and the Electronic Privacy Information Center.