Privacy Policy

Privacy Policy:

cawlocal200retirees ("cawlocal200retirees") operates and may operate other websites. It is cawlocal200retirees policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors

Like most website operators, cawlocal200retirees collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. cawlocal200retirees purpose in collecting non-personally identifying information is to better understand how cawlocal200retirees visitors use its website. From time to time, cawlocal200retirees may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

cawlocal200retirees also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on blogs/sites. cawlocal200retirees only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to cawlocal200retirees websites choose to interact with cawlocal200retirees in ways that require cawlocal200retirees to gather personally-identifying information. The amount and type of information that cawlocal200retirees gathers depends on the nature of the interaction. For example, we ask visitors who sign up at to provide a username and email address. Those who engage in transactions with cawlocal200retirees are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, cawlocal200retirees collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with cawlocal200retirees. cawlocal200retirees does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

cawlocal200retirees may collect statistics about the behavior of visitors to its websites. cawlocal200retirees may display this information publicly or provide it to others. However, cawlocal200retirees does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

cawlocal200retirees discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on cawlocal200retirees behalf or to provide services available at cawlocal200retirees websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using cawlocal200retirees websites, you consent to the transfer of such information to them. cawlocal200retirees will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, cawlocal200retirees discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when cawlocal200retirees believes in good faith that disclosure is reasonably necessary to protect the property or rights of cawlocal200retirees, third parties or the public at large. If you are a registered user of an cawlocal200retirees website and have supplied your email address, cawlocal200retirees may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with cawlocal200retirees and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. cawlocal200retirees takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.


A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. cawlocal200retirees uses cookies to help cawlocal200retirees identify and track visitors, their usage of cawlocal200retirees website, and their website access preferences. cawlocal200retirees visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using cawlocal200retirees websites, with the drawback that certain features of cawlocal200retirees websites may not function properly without the aid of cookies.

Business Transfers

If cawlocal200retirees, or substantially all of its assets, were acquired, or in the unlikely event that cawlocal200retirees goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of cawlocal200retirees may continue to use your personal information as set forth in this policy.


Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by cawlocal200retirees and does not cover the use of cookies by any advertisers.

Privacy Policy Changes

Although most changes are likely to be minor, cawlocal200retirees may change its Privacy Policy from time to time, and in cawlocal200retirees sole discretion. cawlocal200retirees encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.


The problem with Canada’s retirement income system has become so obvious that even bank economists have started to admit the RRSP approach has failed. There’s too much risk and not enough security to ensure that, after a lifetime of work, people can retire and live out their last years in dignity.