Privacy Notice Regarding Client Privacy
Maintaining the trust and confidence of our clients is a high priority. That is
why we want you to understand how we protect your privacy when we collect and use
information about you, and the steps that we take to safeguard that information.
This notice is provided to you on behalf of 401K GPS, LLC ("401K GPS"), and applies
to the 401K GPS websites and services.
Information We Collect: In connection with providing investment
products, financial advice, or other services, we obtain non-public personal information
about you, including:
- Information we receive from you on our website, such as your name and email address,
home address, telephone number, date of birth, occupation and employment status,
education financial goals, assets and income.
- Information about your transactions with us, our affiliates, or others.
- Billing and payment information, including credit card information and billing address.
- Information that is collected automatically when you interact with our websites,
services, and communications. For example, it is standard for your web browser to
automatically send information to every website you visit, including ours. That
information includes your computer’s IP address, access times, your browser type
and language, and referring website addresses. We may also collect information about
the type of operating system you use, your account activity, and files and pages
accessed or used by you.
- We may also use certain kinds of technology such as cookies and web beacons to collect
information. Among other things, the use of cookies and web beacons enables us to
improve our websites and emails by seeing which areas and features are most popular,
to count the number of computers accessing our website, to personalize and improve
your experience, to record your preferences, and to allow you to visit our website
without re-entering your member ID and/or password. A cookie is a small amount of
data which is sent to your browser from a website’s computers and stored on your
computer’s hard drive. Most browsers automatically accept cookies as the default
setting. You can modify your browser setting to reject our cookies or to prompt
you before accepting a cookie by editing your browser options. However, if a browser
is set not to accept cookies or if a user rejects a cookie, some portions of the
website and services may not function properly. For example, you may not be able
to sign in and access certain web page features or services. A web beacon is an
electronic image, also called a "gif," that may be used on our web pages to deliver
cookies, count visits and compile statistics on usage and campaign effectiveness
or in our emails to tell if an email has been opened and acted upon.
Our definition of personal information does not include "aggregate" data. Aggregate
data is information we collect about a group or category of services or users from
which individual user identities have been removed. In other words, no personally
identifiable information is included in aggregate data. Aggregate data helps us
understand trends in our users’ needs so that we can better consider new features
or otherwise tailor our services. This privacy policy in no way restricts or limits
our collection and use of aggregate data, and we may share or sell aggregate data
about our users with third parties for various purposes, including to help us better
understand our customer needs and improve our services and for advertising and marketing
purposes.
Categories of Information We Disclose: We may disclose all information
that we collect in accordance with the terms of this privacy policy. 401K GPS and
its affiliates do not sell customer lists containing personal information to unaffiliated
third parties and will not sell your name to telemarketers.
Categories of Parties to Whom We Disclose: We will not disclose
information regarding you or your account with us, except under the following circumstances:
- To your authorized Registered Representative and his or her manager;
- To our parent companies or their affiliates and to our and their employees, to the
extent permitted by law;
- To entities that perform services for us or function on our behalf, including financial
service providers, such as a clearing broker-dealer, investment company, or insurance
company;
- To third parties who perform services or marketing on our behalf;
- To your attorney, trustee or anyone else who represents you in a fiduciary capacity;
- To our attorneys, accountants or auditors; and
- To government entities or other third parties in response to subpoenas or other
legal process as required by law or to comply with regulatory inquiries.
How We Use Information: Information may be used among our family
of companies, their affiliates, and the companies that perform support services
for us, such as data processors, technical systems consultants and programmers,
or companies that help us market products and services to you for a number of purposes,
such as:
- To request feedback and to enable us to develop, customize and improve the website
and our publications, products and services;
- To communicate with you about your use of the website and services;
- To protect your accounts from unauthorized access or identity theft;
- To establish or maintain an account with our affililates or an unaffiliated third
party.
- To comply with Federal, State, and Self-Regulatory Organization requirements;
- To keep you informed about financial services of interest to you.
- For other purposes about which we notify you.
Our Security Policy:We restrict access to non-public personal information
about you to those individuals who need to know that information to provide products
or services to you and perform their respective duties. While we take reasonable
efforts to guard personal information we collect from you, including physical, electronic,
and procedural security measures, no security system is impenetrable.
Secure Server Access to our site is protected by the Secure Sockets Layer protocol
which is the industry standard for secure data transfer software. SSL encrypts your
personal information as it travels across the Internet. SSL is used by most commercial
websites, including online banking sites and other consumer retail sites, to protect
your information. In addition, our security includes 2-way data encryption that
incorporates digital certificate technology. We support both 40- and 128-bit encryption
technologies.
SSL is supported on the following platforms: Netscape Navigator 3.0 or higher, Microsoft
Internet Explorer 3.02 or higher, and AOL 3.0 or higher. They are all SSL-capable
and will activate it automatically when you sign on to your account.
You can tell if your browser is in secure mode by the icons that appear on the bottom
bar of your browser. In most browsers, a secure connection is indicated by a closed
or locked padlock. If the padlock is open, your connection is not secure. If it
is closed, you can double-click on the padlock to get more information about the
security of the site you are visiting.
Furthermore, each user is issued a unique User ID to protect access to personal
information. 401K GPS also monitors activity within the service. For instance, when
certain multiple unsuccessful logon attempts occur, 401K GPS locks the account.
The account remains locked until the customer verifies ownership and chooses a new
password. Please advise us immediately if you believe your password has been misused.
Please note that we will never ask you to disclose your password in an unsolicited
phone call or email.
Security measures you can take on the Internet: We take reasonable
measures to protect your personal information, but you also must play a role in
ensuring that your personal information is secure and confidential. Here are five
steps you can take to help us protect your information.
- Never tell anyone or otherwise share your User ID or password.
- Create hard-to-guess passwords.
- Change your password frequently.
- Be sure to log off your account before leaving your computer, especially public
computers.
- Always close your browser after using the service.
Closed or Inactive Accounts: If you decide to close your account(s)
or become an inactive customer, our Privacy Policy will continue to apply to you.
Complaint Notification: Please direct complaints to: 401K GPS,
LLC, 135 W. North Street, Brighton, MI 48116, [855.225.4986] .
Changes to This Privacy Policy: If we make any substantial changes
in the way we use or disseminate non-public personal information, we will notify
you. We encourage you to check this privacy policy whenever you use our websites
and services to understand how your personal information is used. If you have any
questions concerning this Privacy Policy, please write to: 401K GPS, LLC, 135 W.
North Street, Brighton, MI 48116, [855.225.4986].