A Note to Users Outside of the United States.
Our Services and Website are not directed to children and children are not eligible to use our Services. Protecting the privacy of children is very important to us. We do not collect or maintain Personal Information from people we actually know are under 13 years of age, and no part of our Website or Services is designed to attract people under 13 years of age. If we later learn that a user is under 13 years of age, we will take steps to remove that user’s Personal Information from our databases and to prevent the user from utilizing the Website and the Services.
How We Collect Information
In general, the Personal Information we gather enables us to provide the Services to you and helps us learn more about the use of the Website and/or Services. The types of information we collect applies whether you are a current, prospective or former client. We collect Personal Information that you submit to us voluntarily at registration and in the course of your use of the Website and/or Services. We do not collect additional Personal Information on former clients, unless it is provided to us voluntarily. To use certain features of the Website, we require you to create an “Account” by providing your name, email address, password and birthday. When you create an Account, we will collect information about your retirement accounts and transactions (such as purchases, sales, account balances, holdings, inquiries, etc.). When you communicate with us by sending us an email, we will collect and store any information that is contained in your communications with us. You can choose not to provide us with certain information, but this may limit the features of the Website or Services you are able to use.
We require you to provide your account credentials, including usernames and passwords, for third party accounts, including your 401(k) provider account (“Third Party Credentials”). We will use your Third Party Credentials solely to provide the services you request. We encourage you to use user names and passwords that are different from Third Party Credentials on those accounts that you do not use with the Services.
When you order Services, our third party payment processor will collect payment and billing information in order to process the complete the transaction.
Our Relationship with Third Party Accounts. We created interfaces that allow you to connect with third party accounts, including 401(k) providers (each a “Third Party Account”), through the Services. In order to provide this authorization, you will need to log-in to that Third Party Account directly through the Services. Once authorized by you, we can access your Third Party Account information. You can revoke our access to any Third Party Account at any time by amending the appropriate settings from within your account settings on the applicable Third Party Account.
We collect the following types of Anonymous Information:
Information Collected by Our Servers: As is true of most websites, we gather certain information automatically and store it in log files. Our servers (which may be hosted by a third party service provider) collect information from you, including but not limited to your browser type, operating system, geographic location, Internet Protocol (“IP”) address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), domain name, and/or a date/time stamp for your visit, clickstream data and referring/exit pages. We use this information to analyze trends, administer the Website, track users’ movements around the Website, gather demographic information about our user base as a whole, and better tailor our Services to our users’ needs. For example, some of the information may be collected so that when you visit the Website or the Services again, it will recognize you.
Log Files: As is true of most websites, we gather certain information automatically and store it in log files. This information includes IP addresses, browser type, Internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information to analyze trends, administer the Services, track users’ movements around the Services, gather demographic information about our user base as a whole, and better tailor our Services to our users’ needs. For example, some of the information may be collected so that when you visit the Services again, it will recognize you and the information could then be used to serve advertisements and other information appropriate to your interests.
Information Collected Automatically
When a person visits any of our sites, or opens one of our emails, a variety of information is automatically collected through standard web technologies. Some of this data is Anonymous Information. This data may be linked with your Account and Personal Information to better assist our clients. Automatically-collected information might include: the operating system on your computer, the type of Web browser you are using, your IP address, and the links you followed to enter and leave our site.