Website Terms and Conditions of Use and Privacy Policy

General

These Terms of Use ("Terms") form a legal agreement between you and NCOA. By accessing, browsing, or using this Web Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and to comply with all applicable laws and regulations.

NCOA may provide upgrades and updates to the Web Site from time to time. Any modifications will be made in the sole discretion of NCOA without notice to you.

This Web Site and its content Web Site may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or used for the creation of derivative works without NCOA’s prior written consent, except that NCOA grants you non-exclusive, non-transferable, limited permission to access and display the Web pages within this site, solely on your computer and for your personal, non-commercial use of this Web Site. This permission is conditioned on your not modifying the content displayed on this site, your keeping intact all copyright, trademark, and other proprietary notices, and your acceptance of any terms, conditions, and notices accompanying the content or otherwise set forth in this site. However, any materials that are made available for downloading, access, or other use from this Web Site with their own license terms, conditions, and notices will be governed by those terms, conditions, and notices.

Your failure to comply with these Terms may result in automatic termination of any rights granted to you, without prior notice. In that event, you must immediately destroy all copies of downloaded materials in your possession or control. Except for the use rights stated in these Terms, NCOA does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this site on another web site or in any other media.

Changes to these Terms of Use or Web Site

NCOA may change or modify these Terms from time-to-time without notice other than posting the amended Terms on the Web Site. The amended Terms will automatically be effective when posted on our Web Site. Your continued use of our Web Site after any changes in these Terms shall constitute your consent to such changes. NCOA reserves the right to change, modify or discontinue, temporarily or permanently, the Web Site (or any portion of it), including any and all content contained on the Web Site, at any time without notice. You agree that NCOA will not be liable to you or to any third party for any modification, suspension or discontinuance of the Web Site (or any portion of it).

Certain Disclaimers

The Web Site contains content of third parties and is not promised or guaranteed to be correct, current, or complete, and may contain inaccuracies or errors. NCOA and its representatives assume no responsibility (and expressly disclaim responsibility) for updating the Web Site to keep information current or to ensure the accuracy or completeness of any posted information. NCOA provides no assurances that any reported problems with the Web Site will be resolved by NCOA, even if NCOA elects to provide information with the goal of addressing a problem.

Limited Rights to Use the Website

NCOA hereby grants you the right to access the Web Site and to download or print content from the Web Site solely for the following non-commercial purposes:
(A) Assessing your economic security or that of your family;
(B) Providing counseling or advice to persons and families regarding economic security;
(C) Conducting public education or other advocacy and public policy activities; and
(D) Research, writing and presentation, with proper attribution to NCOA.

All rights not expressly granted in these Terms are specifically reserved by NCOA. The permissions granted above are limited by the following prohibitions and other terms and conditions of these Terms:

You agree not to use the Web Site to:

(A) make any commercial use of the Web Site or information obtained through the Web Site
(B) infringe or misappropriate the intellectual property rights of others, including copyrights, trademarks, service marks, trade secrets and patents
(C) sell, publish, distribute, retransmit, transfer, display, modify, create derivative works, or in any way exploit content placed on the Web Site, or any portion of it, or any data obtained through the Web Site, or any products or services derived or developed from data obtained through the Web Site;
(D) damage, disable, overburden or impair the Web Site; (E) use the Web Site or information obtained through the Web Site in a manner that indicates NCOA’s support for any third-party websites, political parties, or third-party products or services;
(F) Use information obtained through the Web Site in any way that is unlawful or harmful to any other person or entity.
(G) upload, post, transmit, share or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
(H) engage in activities, whether lawful or unlawful, that NCOA determines in its sole discretion to be harmful to other users of the Web Site, its operations, or NCOA’s reputation, goodwill or customer relations or which may expose NCOA, its licensees or its licensors or users to any harm or liability of any type.

Disclaimer of Warranties

YOU AGREE THAT YOUR ACCESS TO AND USE OF THE WEB SITE AND THE CONTENT AVAILABLE THROUGH THE WEB SITE IS ON AN "AS-IS", "AS AVAILABLE" BASIS AND NCOA AND ITS LICENSORS SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, AND NCOA, AND ITS LICENSORS SPECIFICALLY DISCLAIM ANY CONDITIONS OF QUALITY AND ANY IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. NCOA AND ITS LICENSORS AND THIRD PARTY SERVICE PROVIDERS DO NOT WARRANT THAT USE OF THE WEB SITE WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME THE RESPONSIBILITY FOR THE SELECTION OF THE WEB SITE TO ACHIEVE YOUR INTENDED PURPOSE.

NCOA, ITS LICENSORS AND THEIR RESPECTIVE THIRD PARTY REPRESENTATIVES DO NOT ENDORSE, WARRANT OR GUARANTEE ANY CONTENT OR MATERIALS MADE AVAILABLE THROUGH THE WEB SITE OR CONTAINED ON ANY WEBSITE TO WHICH THIS WEB SITE LINKS.

Intellectual Property Rights

Use of the Web Site does not grant to you any rights in connection with any trademarks or service marks of NCOA or its licensors. Without NCOA’s prior written consent, you agree not to display or use any trademarks or service marks of NCOA or its licensors in any manner. All title and intellectual property rights in and to the content which may be accessed through use of the Web Site is the property of the respective content owner and may be protected by applicable copyright or other intellectual property law. No ownership of any part of the content is transferred to you in any manner whatsoever.

If User believes User’s work has been copied and resides on the Website in a way that constitutes copyright infringement, please provide notice to our Designated Agent. The notice must include the information required by the DMCA, 17 U.S.C. § 512(c)(3). There are substantial penalties for sending false notices.

Repeat Infringer Policy

In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, NCOA has adopted a policy of terminating, in appropriate circumstances and at NCOA’s or its licensees’ discretion, users who are deemed to be repeat infringers. NCOA or its licensees may also at their discretion limit access to the Web Site and/or terminate the access of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Limitations of Liability

USE OF THE WEB SITE IS AT YOUR OWN RISK.

NCOA disclaims any and all responsibility for any content or postings on the Web Site, the accuracy of such content and for any decisions that you may make based on it.

IN NO EVENT SHALL NCOA, ITS LICENSEES OR ITS LICENSORS, THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR AFFILIATES BE LIABLE FOR ANY COSTS OR DAMAGES ARISING DIRECTLY OR INDIRECTLY FROM YOUR USE OF THE WEB SITE INCLUDING ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, MULTIPLE, PUNITIVE OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING OUT OF USE OF THE WEB SITE, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHER LEGAL THEORY, EVEN IF NCOA, OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSEES OR AFFILIATES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

YOU UNDERSTAND AND AGREE THAT IF YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIALS, INFORMATION, PRODUCTS, SOFTWARE, PROGRAMS, OR SERVICES, YOU DO SO AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES THAT MAY RESULT, INCLUDING LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM.

If NCOA or its Licensees become aware of harmful or potentially harmful activities or inaccurate or misleading information or content, in their discretion, NCOA may take steps to stop such activity or remove such inaccurate or misleading information, such as removing any offending materials or postings; using screening software to block offending materials or activity; denying the offender access to the Web Site, or any other action NCOA deems appropriate, in its discretion.

Termination of Use

NCOA may, at its sole discretion, terminate or suspend access to all or part of the Web Site with or without notice and for any reason, including, without limitation, breach of these Terms or suspected unlawful or abusive activity. If NCOA suspects unlawful activity, it may also refer the matter to appropriate law enforcement authorities.

If NCOA suspends or terminates your access to the Web Site, your right to use the Web Site and any information derived from the Web Site will immediately cease, and NCOA may immediately deactivate or delete User’s account and all related information and files in User’s account or bar any further access to that information and those files. NCOA shall not be liable to User or any third party for any claims or damages arising out of any termination or suspension or any other actions taken by NCOA in connection with any termination or suspension.

Links

NCOA permits other websites to link to this Web Site. NCOA also includes within the Web Site links to other websites. The existence of any such link does not indicate NCOA’s endorsement, sponsorship, or recommendation of third parties or of the content, products or services contained on or available through linking or linked websites, or that NCOA has reviewed or approved linked websites or content. NCOA is not responsible for the content of any linking or linked website. NCOA reserves the right to deny permission for any site to link to this website.

Governing Law; Venue and Jurisdiction

By visiting or using the Web Site, you agree that the laws of the Commonwealth of Virginia, without regard to its conflict of laws provisions, will govern these Terms of Use and any dispute of any sort that might arise between you and NCOA. You agree that exclusive jurisdiction for any dispute with NCOA, or in any way relating to your use of the Web Site, resides in the courts of the of the Commonwealth of Virginia and you further agree and expressly consent to the exercise of personal jurisdiction in the courts of the Commonwealth of Virginia in connection with any such dispute including any claim involving NCOA or its licensors, employees, contractors, officers, directors, telecommunication providers, and content providers.

If WOW suspends or terminates User’s access to the Website, User’s right to use the Website and any information derived from the Website will immediately cease, and WOW may immediately deactivate or delete User’s account and all related information and files in User’s account or bar any further access to that information and those files. WOW shall not be liable to User or any third party for any claims or damages arising out of any termination or suspension or any other actions taken by WOW in connection with any termination or suspension.

If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Privacy

These Terms co-exist with our Privacy Policy and together both policies govern the general practices and usage of this Web Site. Use of this Web Site at any time shall be deemed conclusive evidence of your agreement that your license to access and use the Web Site is governed by these Terms of Use and the Privacy Policy displayed on the Web Site.

Questions

Please direct any questions you may have about these Terms and/or notify NCOA of any violations by writing to privacy@ncoa.org.

Entire Agreement

These Terms constitute the entire agreement and understanding between you and NCOA concerning the subject matter of this agreement and supersede all prior agreements and understandings of the parties with respect to that subject matter. Subject to NCOA’s right to amend these Terms as described above, these Terms may not be altered, supplemented, or amended by the use of any other document(s).

Privacy Policy

This Privacy Policy discloses the privacy practices for www.basiceconomicsecurity.org, a website of the National Council on Aging (the "Web Site").

About this Privacy Policy and Using the Web Site

National Council on Aging ("NCOA", "we" or "us"), created this Privacy Policy in support of our commitment to the user’s online privacy. This Privacy Policy discloses our information-gathering and disseminating practices for the Web Site. This Privacy Policy should not be construed as establishing a contractual relationship between NCOA and any user. For an explanation of capitalized terms used in this Privacy Policy, please refer to the definitions at the end.

We will inform you of the following in this Privacy Policy:

  • What Personal Data of yours may be collected;
  • What organization is collecting the information;
  • How the information is used;
  • With whom the information may be shared;
  • What choices are available regarding collection, use and distribution of the information;
  • What kind of security procedures are in place to protect the loss, misuse or alteration of information under our control; and,
  • How you can correct any inaccuracies in the information.

Please take the time to read and understand this Privacy Policy so that you can understand how we use your personal information.

If you do not agree with these terms, please do not use the Web Site.

About this Privacy Policy and Using the Web Site

The purpose of the Web Site is to provide information and resources to users concerning methods of improving their economic security in the United States.

The Web Site contains questionnaires and other tools for users to obtain information to assist them in improving their economic conditions. You may use features of the Web Site without providing Personal Data about yourself (i.e. information that can directly identify you or indicate where you might be contacted). Certain tools and services on the Web Site may request that you complete forms and provide certain demographic data about yourself. You are responsible for ensuring the accuracy of all information you submit. Inaccurate information will affect the information you receive when using the Web Site.

Applicability of Privacy Policy

NCOA values and respects your trust and believe you have a right to know about how we collect and secure information we collect about you on the Web Site. This Privacy Policy applies to this Web Site only. The Web Site may contain links to other web sites. Once you enter another web site (whether through a service or content link), be aware that NCOA is not responsible for the privacy practices of those other web sites. NCOA does not endorse and is not responsible for the privacy practices of these sites.

We encourage you to look for and review the privacy statements of each and every web site that you visit through a link on NCOA’s Web Site, including those sponsored by NCOA.

What Information is Collected and How Is It Used or Disclosed?

Non-Personal Information We Collect About You

We collect non-personal information about your use of the Web Site, including the geographic location in which you reside and other information which does not include any personal identifiers. NCOA collects non-personal information to tailor the information you request to your location and circumstances in order to provide more meaningful information to you and to improve and monitor the effectiveness of the services offered on the Web Site and for advocacy purposes.

Cookies

We may collect non-personal information about your use of the Web Site and your use of the web sites of selected sponsors through the use of cookies. Cookies are text files placed on your hard disk by our web server to store your preferences. Cookies, by themselves, do not tell us your e-mail address or other Personal Data. Cookies cannot be used to run programs or deliver viruses to your computer.

The information collected by cookies may be used for the following purposes: (i) to help us generate content on web pages or in newsletters and make improvements to the Web Site, (ii) to allow us to statistically monitor how many people are using the Web Site and selected sites to which the Web Site links, (iii) to allow us to monitor how often different functions of the website are used, and (iv) to help us determine for what purposes these actions are being taken. We may use cookie information to target certain communications to your browser or to determine the popularity of certain content or links. Cookies may also be used as navigation aids.

Most browser software can be set to reject all cookies. If you reject our cookies, certain of the functions and conveniences of the Web Site may not work properly but you do not have to accept our cookies in order to productively use the Web Site. We do not link non-personal information from cookies to Personal Data and do not use cookies to collect or store Personal Health Information about you.

Clickstream Data

As you use the Internet, a trail of electronic information is left at each web site you visit. This information, which is sometimes referred to as "clickstream data", can be collected and stored by a web site’s server. Clickstream data can tell us the type of computer and browsing software you use and the address of the web site from which you linked to the Web Site. We may use clickstream data as a form of non-personal information to anonymously determine how much time visitors spend on each page of the Web Site, how visitors navigate throughout the Web Site and how we may tailor our web pages in the future to better meet the needs of visitors. This information will only be used to improve our Web Site. Any collection or use of clickstream data will be anonymous and aggregate.

Personal Data We Collect About You

Use of the Web Site does not require you to provide any personally identifiable information ("Personal Data"), however we may collect Personal Information you provide through certain limited types of electronic transactions, including registering with the Web Site, providing responses to questionnaires, managing your member profile, participating in online surveys, and participating in advocacy alerts and social media.

Disclosure of Your Information

Except as set forth in this Privacy Policy or as specifically agreed to by you, NCOA will not disclose any Personal Data it gathers from you on the Web Site, provided that NCOA may release Personal Data to third parties: (1) to comply with valid legal requirements such as a law, regulation, subpoena or court order; (2) to certain advocacy partners and third parties to determine your eligibility for certain benefits and as otherwise described in this Privacy Policy; (3) to third parties in a de-identified manner to provide benchmarking and analysis of benefits and programs and to improve NCOA service offerings; or (4) with your consent. In the event that we are legally compelled to disclose your Personal Data to a third party, we will attempt to notify you unless doing so would violate the law or court order. In addition, we may disclose Personal Data as described below.

Aggregate Information

NCOA may combine, in a non-identifiable format, the Personal Data and non-personal information you provide with information from other users to create aggregate data that may be disclosed freely to third parties and used by NCOA for any lawful purpose. Aggregate data does not contain any personal identifiers that could be used to contact or identify you, such as name or email address.

NCOA may disclose this aggregate information to its advocacy partners and members of its aging network in order for these parties to conduct advocacy activities on behalf of older adults and to improve service offerings for older adults. NCOA and its advocacy partners may disclose non-personal, aggregate information to government officials and representatives in order to conduct advocacy activities on behalf of older adults.

Voluntary Disclosures

Sharing Personal Data is entirely voluntary. This Privacy Policy does not apply to content, business information, ideas, concepts or inventions that you send to NCOA by email or by use of the Web Site to access public forums or social media. If you want to keep content, business information, ideas, concepts or inventions private or proprietary, do not send them in an email to NCOA or post them in any public forum.

Third Party Service Providers

NCOA operations and other third party contractors sometimes have limited access to your Personal Data and non-personal information in the course of providing products or services to NCOA. These contractors include vendors and suppliers that provide us with technology, services (such as web site hosting), and/or content related to operation and maintenance of the Web Site. Access to your Personal Data and on-personal information by these contractors is limited to the information reasonably necessary for the contractor to perform its function for NCOA. NCOA will also require that our operations and maintenance contractors 1) protect the privacy of Personal Data consistent with this Privacy Policy, and 2) not use or disclose Personal Data for any purpose other than providing NCOA with products and services.

Linked Sites

NCOA may share information among sites that it owns or controls, but such information will be protected under the terms of this Privacy Policy.

The Web Site may contain links to other web sites operated by parties other than NCOA ("Third Party Web Sites"). These Third Party Web Sites have their own, independent, privacy and data collection practices. NCOA has no responsibility or liability for these Third Party Web Sites, their privacy policies or actions. NCOA does not endorse any Third Party Web Sites.

How NCOA Handles Privacy and Security

Here are some of the security procedures that NCOA uses to protect your privacy:

NCOA uses a variety of security measures designed to protect against loss, misuse, and alteration of the information under our control. The Web Site and database servers are hosted in a secured physical and network environment maintained by a third party hosting provider. Reasonable efforts are made to secure web servers, networks, host operating systems and databases against unauthorized access. We use a variety of security measures to protect Personal Data when stored or transmitted by NCOA, including Secure Socket Layer (SSL) Encryption. In order to take advantage of encryption, you must have an Internet browser that supports 128-bit Encryption.

Despite NCOA’s efforts to protect your Personal Data, there is always a risk that an unauthorized third party may find a way around our security systems or that transmissions of your information over the Internet will be intercepted. NCOA cannot ensure or warrant the security of any information you transmit over the Internet and you do so at your own risk.

Please remember that no security measures are foolproof; and NCOA cannot guarantee that information will be protected in all situations. We will make reasonable efforts to protect your Personal Data from unauthorized access.

Terms of Use

This Privacy Policy co-exists with our Terms of Use displayed on the Web Site, and together both policies govern your use of this Web Site. By accessing, browsing or using the Web Site you acknowledge that you have read, understand and agree to this Privacy Policy and our Terms of Use. We encourage you to familiarize yourself with both this Privacy Policy and our Terms of Use. The Web Site Terms of Use may be found as a link on the page where this Privacy Policy is posted. If you do not agree with these terms (including any revisions to them), please do not use the Web Site.

Changes to This Privacy Policy

We may change this Privacy Policy at any time by posting revisions to our Web Site. Your use of this Web Site means that you accept the terms of this Privacy Policy and your continued use after such changes are posted means that you accept the revised Privacy Policy.

Children

The Web Site is not designed to attract or be used by children under the age of 13. NCOA does not knowingly collect Personal Data from anyone under the age of 13, unless we first obtain permission from that child’s parent or legal guardian

How to Contact Us

For more information about our privacy practices (including compliance with applicable law), or if you want to (1) delete your Personal Data from our systems, (2) update the Personal Data that you have provided to us, or (3) change your preferences with respect to contacts or other activities, contact us by email at privacy@ncoa.org or write to us at 251 18th Street South, Suite 500, Arlington, VA 22202.

Definitions

"Encryption" means the translation of data into a secret code. Encryption is the most effective way to achieve data security. To read an encrypted file, you must have access to a secret key or password that enables you to decrypt it.

"Firewall" means a system designed to prevent unauthorized access to or from a public or private network. Firewalls can be implemented in both hardware and software, or a combination of both. Firewalls are frequently used to prevent unauthorized Internet users from accessing private portions of public networks. All messages entering or leaving the network pass through the Firewall, which examines each message and blocks those that do not meet the specified security criteria.

"Personal Data" means information that is identifiable to a particular individual. Examples of Personal Data include your name, likeness (such as in video or photographs), email address, demographic information, educational level, income and occupation. If other pieces of information are linked to Personal Data, they may also become Personal Data.

"Secure Sockets Layer" (SSL) means a security protocol for transmitting private information via the Internet. SSL works by using a private key to encrypt data that’s transferred over the SSL connection. URLs that utilize an SSL connection start with https: instead of http.

"Cookie" means a data file that is stored on the hard drive of the computer you use to view a web site. Cookies are placed by that site or by a third party with a presence on the site and are accessible only by the party or site that placed the Cookie (i.e. a Cookie placed on your computer by NCOA isn’t accessed by any other site you visit but a Cookie placed on your computer by an advertiser may be accessed by any site on which that same advertiser has a presence). Cookies can contain pieces of Personal Data. Cookies may be used to make the site easier to use. For example, if you check a box to ask that we store your user name on your computer so that you don’t have to enter it each time you visit the site, it’s stored in a Cookie on your computer.

Family