Privacy Policy

The My Retirement Walk website (“MRW” or the “Site”) is provided by The Guardian Life Insurance Company of America (“Guardian”). Definitions in the Terms and Conditions of Use shall apply to this Privacy Policy unless otherwise indicated.

Personal Information Collected

Guardian may collect certain personally identifiable information about you via the Site. At this time, Guardian only collects your gender and age information relating to your likely retirement date.

Disclosure of Your Personal Information

Our privacy policy for the Site is simple. Except as specifically set forth in this Privacy Policy, we do not disclose or share the information that we collect from you except: (1) Guardian may provide such information to our vendors (such as hosting providers) as reasonably necessary to provide a fully functioning and operational Site; (2) as reasonably necessary to comply with legally required disclosures such as disclosures made in response to a subpoena or to comply with regulatory obligations or professional standards; and (3) to business partners who may provide you with relevant offers if (and only if) you have elected to allow us to share information with them. When we disclose your data to our vendors, it is done under an obligation of confidentiality and we only disclose as much of the information as is reasonably necessary to ensure the operability of the Site.

Your information may also be used to respond to your requests, suggest contacts or content you may be interested in, recognize top users, customize content and otherwise improve the Site. You may also be contacted to seek feedback or for research purposes.


A cookie is a piece of data stored on a user’s hard drive containing information about the user. The Site uses session cookies containing encrypted or encoded information. Session cookies allow us to process your online requests. Session cookies also help us to validate who you are after you have entered the Site. Session cookies exist during an online session. Session cookies become invalid when you completely close your browser software for the session in which they were created.

Other Websites

The Site may contain links to other websites. You are solely responsible with respect to any visits made by you to any linked websites. Guardian is not responsible for the privacy practices or the content of these other websites. If you use a link to another website, you should consult the site’s privacy policy. Guardian has no control over the information that is submitted to, or collected by, other websites and we are not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such sites. This Privacy Policy applies solely to information collected by Guardian via MRW.

Data Concerning Your Use of the Site

Guardian collects information concerning your use of the Site including, but not limited to, the dates you logged into the Site, the areas of the Site you visited, the links to other websites that you click and the period of time you were logged into the Site. Guardian may use this data to, among other things, understand its users’ activities on its Site, track data necessary for payment in relation to sponsored links and determine ways to enhance its websites. Guardian may share this information with third parties, but Guardian will not disclose this information in a way that would reveal your identity or other personally identifiable information except in accordance with the section above labeled “Disclosure of Your Personal Information.”

In addition, Guardian collects via the Site anonymous information regarding your use of the Site and information you provide during your session, which may then be aggregated with other users’ information to, among other things, evaluate how users use the Site and how Guardian can improve the Site. You hereby consent to Guardian’s aggregation of your data in an anonymous fashion for the purposes described above.

Revisions to This Privacy Statement

We may modify, amend, add or delete the terms of this Privacy Policy at any time. If Guardian modifies this Privacy Policy, we will notify you by placing a conspicuous notice of the new Privacy Statement on the Site or by presenting you with a Web page containing an electronic copy of the Privacy Policy that provides fair notice of the promulgation of the modified Privacy Policy.

Effective Date

This Privacy Statement is effective as of June 1, 2013.

Security Precautions

E-mails sent to us are not secure and we make no representation that any data contained in an e-mail sent to us will be secure. Thus, if your communication contains sensitive or confidential information or financial information, you should send it to us via certified mail at: The Guardian Life Insurance Company of America, Attn: Law Department, Investments & Real Estate, 7 Hanover Square Fl. 23-F, New York, New York 10004. Except as otherwise set forth in this Privacy Policy, we restrict access to customer data to those employees who reasonably need to know that information to provide products or services to you.