The 401(k) Annuity Hub™ Privacy Policy
The 401(k) Annuity Hub, L.L.C. ("Company", "We", or “Us”) respects your privacy and is committed to protecting it through our compliance with this privacy policy (“Policy”). You are the “Customer”, “You”, or“Your” in this Policy.
This Policy describes the types of information we may collect from you or that you may provide when you use our website with a homepage located at www.401kAnnuityHub.com (“Website”) or any of our online services (together with the Website, our "Services") and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This Policy applies to information we collect:
On our Services.
In email and other electronic messages between you and our Services.
This Policy does not apply to information collected by:
Us offline or through any other means, including on any other website operated by Company or any third party (including, if any, of our affiliates and subsidiaries); or
Any third party (including, if any, our affiliates and subsidiaries, or any of your Authorized Users or clients), including through any application or content (such as advertising) that may link to or be accessible from or through the Services.
Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Services.By accessing or using the Services, you agree to this Policy. This Policy may change from time to time (seeChanges to Our Privacy Policy). Your continued use of the Services after we make any such changes is deemed to be acceptance of those changes, so please check the policy periodically for updates (indicated by the Last modified date above}.
Our Services are not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Services. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on the Services. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at our address below.
We collect several types of information, including information:
By which you or another individual may be personally identified, such as name, e-mail address, telephone number, payment card number, or any online identifier by which you or such other individual may be contacted online or offline ("personal information");
That is about you or another person but does not individually identify you or them; and/or
About your internet connection, the equipment you use to access our Services, and usage details.
We collect this information:
Directly from you when you provide it to us.
Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
From third parties, for example, our business vendors and licensors and any of your Authorized Users(defined in our Service Terms on our Website), who must be retirement plan professionals or act as fiduciaries or from your clients.
The information we collect on or through our Services may include:
Information that you provide by filling in forms on our Services. This includes information provided at the time of registering to use our Services, making a purchase, subscribing to our services or communications, submitting content, or requesting further services or products. We may also ask you for information when you report to Us a problem with our Services.
Records and copies of your correspondence (including email addresses), including if you or a third-party contacts us or uses features of our Service to contact any Authorized User or your client.
Your responses to surveys that we might ask you to complete.
Details of transactions you conduct through our Services and of the fulfillment of your orders, including information about your purchase of a subscription to our Services. You may be required to provide financial information before placing an order through our Services.
Your search queries on the Services.
We cannot control the actions of any Authorized Users, your clients, or any other person with whom you share any information. Therefore, we cannot guarantee that such information will not be viewed by unauthorized persons. Any information that you share or transmit to others, including sharing via use of the Services, is at your sole risk.
As you navigate through and interact with our Services, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
Details of your visits to our Services, including traffic data, logs, and other communication data and the resources that you access and use on the Services.
Information about your computer and internet connection, including your IP address, operating system, and browser type.
The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways, or receive, from third parties. It helps us improve our Services and deliver a more personalized service, including by potentially enabling us to
Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize our Services according to your individual interests.
Speed up your searches.
Recognize you when you return to our Services.
The technologies we use for this automatic data collection may include:
Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Services.
Web Beacons. Pages of our Services and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
We do not collect personal information automatically, but we may tie non-personal information collected automatically to personal information about you that we collect from other sources or that you provide to us.
Flash Cookies. Certain features of our Services may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Services. Flash cookies are not managed by the same browser settings as are used for browser cookies.
Some content or applications, including advertisements, on the Services may be provided by third-parties including, without limitation, advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Services. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.
We use information that we collect about you or that you provide to us, including any personal information:
To present our Services and its contents to you.
To provide you and/or your designated third parties (including financial professionals or clients that you designate) with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To provide you with notices about your account/subscription, including expiration and renewal notices.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
To notify you about changes to our Services or any products or services we offer or provide though it.
To allow you to participate in interactive features that we may include on our Services.
To prevent fraud and other prohibited or illegal activities.
For internal purposes (such as data analysis and research to improve our products, services, and communications).
In any other way we may describe when you provide the information.
For any other purpose with your consent.
We may also use your information to contact you about goods and services that may be of interest to you. If you do not want us to use your information in this way, please do not subscribe to our mailing list. For more information, see Choices About How We Use and Disclose Your Information below.
We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
We may disclose personal information that we collect or you provide as described in this Policy:
To, if any, our subsidiaries and affiliates.
To contractors, service providers, and other third parties we use to support our business.
To third parties designated by you (such as Authorized Users or clients that you designate), and their support personnel, if you provided your information for such purpose.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Company's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Company about our Services or Customers is among the assets transferred.
To third parties to market their products or services to you if you have consented to these disclosures.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.
We may also disclose your personal information:
To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply our Service Terms and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Company, our Customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
We strive to provide you with choices regarding the personal information you provide to us. For example:
Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
Promotional Offers from the Company. If you do not wish to have your contact information used by the Company to promote our own or third parties' products or services, you can opt-out by sending us an email stating your request (see Contact Information, below). If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt outdoes not apply to information provided to the Company as a result of a product purchase, product service experience or other transactions.
We do not control third parties' collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative("NAI") on the NAI's website.
State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information. To exercise any such rights, please contact us using the Contact Information below.
You may be able to review and change some of your personal information by logging into the Services and visiting your account profile page.
You may also send us an email (contact details are below) to request access to, correct, or delete any personal information that you provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
It is our policy to post any changes we make to our Policy on this page with a notice that the Policy has been updated on the Website home page. If we make material changes to how we treat our users' personal information, we will notify you through a notice on the Website home page or other notification method. The date the Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and thisPolicy to check for any changes.
To ask questions or comment about this Policy and our privacy practices, contact us at:
privacy@401kAnnuityHub.com