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Privacy Policy
The Online 401(k) is a member of the financial services industry, and as such, we believe
customer privacy and the security of the data that you provide are essential to our business.
The Online 401(k) has created this privacy policy in order to state our dedication and
commitment to privacy.
This policy describes the ways that The Online 401(k) collects, stores, uses and protects personal information it receives from clients, plan participants, and other persons visiting The Online 401(k) website, including information related to the past use of The Online 401(k) products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
This privacy policy only applies to The Online 401(k). This Privacy Policy applies to customers, clients, and transactions conducted in the United States. The Online 401(k) offers its products and services together with other affiliate companies. Any time you are linked from The Online 401(k) website to an affiliate’s website you are subject to privacy policy of those companies. This policy does not apply to the practices of companies that The Online 401(k) does not own or control, or to people that The Online 401(k) does not employ or manage.
HOW WE USE THE PERSONAL INFORMATION WE COLLECT
HOW WE COLLECT INFORMATION ABOUT YOU
HOW WE USE COOKIES
HOW WE PROTECT AND STORE PERSONAL INFORMATION
YOUR OBLIGATION TO PROTECT INFORMATION
HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES
AMENDMENTS AND CHANGES
HOW WE USE THE PERSONAL INFORMATION WE COLLECT:
At the Online 401(k), our primary purpose in obtaining personal information is to provide you with a safe, smooth, efficient, and customized experience when using our services and when viewing our website. We will obtain and the use information to understand how our clients and other persons visiting our site use our services, resources provided on our site, and the resources and information available elsewhere on the internet which have been accessed by visitor to our website. The information will assist us in our desire to continually improve our site, and to make site navigation quicker and more convenient for you. The following are examples of how we use personal information.
When you visit The Online 401(k) website, we may automatically receive and record information from your computer and browser, including your IP address and standard web log information, such as your browser type and the pages you accessed on our website, and software and hardware attributes.
We also collect personally identifiable information, when you request informational materials through our online forms that ask for your contact information and company information. We will use your information to provide you with the requested materials, to follow-up with you from time to time via email, mail or telephone, and to provide to you with additional information describing and promoting products and service provided by The Online 401(k). Each email you receive from The Online 401(k), as a result of having requesting the informational materials, will contain clear instructions for opting out of future email communications offering products and service provided by The Online 401(k).
The Online 401(k) may combine information about you that we have obtained with information we obtain from business partners or other companies.
If you become a client of The Online 401(k), we may collect the following types of information from you:
HOW WE USE COOKIES:
When you access The Online 401(k) website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer. Internet "cookies" are elements of data that a web server gives to your web browser in connection with your visit to a website. We will send cookies to your computer when you log into your account. One of the cookies allows us to recognize you if you visit multiple pages on our site during the same session, so that we don’t need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.
Also, our system can automatically gather information about the pages, and areas, you visit on our website. We can also gather information about the hyperlinks you may click on, and other areas of the internet that you may view in connection with The Online 401(k). We may obtain any or all of the following information during your visits to The Online 401(k) website: the date and time that you have accessed the site; the pages that you have visited on the site and the sequence in which you visit them; the amount of time that you spend on any given page of the site; the Internet address of the websites that you visited immediately before visiting the site; the internet address of the website from which you linked directly to the site, if any; the internet address of the website that you visit immediately after leaving the site; and the type of operating system used on your computer; the type of internet browser that you are using to view the site.
All information obtained from cookies is viewed by us in the aggregate for overall patterns and does not describe or identify any individual user except when used to diagnose individuals' problems with the website. We do not use cookies to store confidential or sensitive information on your computer, or to obtain data from your hard drive, or gain confidential or sensitive information about you. We encode our cookies so that only we can interpret the information stored in them.
We may share aggregated statistical information that has been obtained from cookies with our affiliates, partners, suppliers and other third parties, but we will not share any individual names, personal navigational or other personal information.
You are free to decline our cookies if your browser permits, and you can also erase cookies already stored on your computer. Blocking or deleting our cookies may, however, interfere with your use of The Online 401(k) website, and some of our online features may not work as intended.
HOW WE PROTECT AND STORE PERSONAL INFORMATION:
The Online 401(k) takes every precaution to protect information obtained from clients, plan participants and other persons accessing the website. When users submit sensitive information via the website, information is protected both online and off-line.
We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations.
We use computer safeguards such as firewalls and data encryption. All information collected and available on our site is protected with the best encryption software in the industry. We update and test our technology regularly to maintain and improve the protection of our customers' information.
While we use encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. The servers that we store personally identifiable information on are kept in a secure environment. We limit access to your personal information. Only employees who we believe reasonably need the information, in order to provide products or services to you or in order to do their jobs, will have access to personally identifiable information. Employees who violate our privacy policy are subject to disciplinary action.
YOUR OBLIGATION TO PROTECT INFORMATION:
If you maintain an account with The Online 401(k) that you access through our website, you are solely responsible for protecting and maintaining the confidentiality of your account and password. You are solely responsible for restricting access to your computer. You accept all responsibility for any and all activities occurring under your account or password that are due to your conduct, inaction or negligence.
HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES:
The Online 401(k) will not rent, sell, or share personal information about you with non-affiliated people or companies, except under the following circumstances:
We may amend this policy at any time. Any changes, deletions or additions to this privacy policy will apply to information previously collected. If we decide to change our privacy policy, we will give notice in the way we treat personal information by placing a prominent notice on our website, and by posting a revised version of the Privacy Policy on our website. The revised version will be effective at the time we post it on the website.
This policy describes the ways that The Online 401(k) collects, stores, uses and protects personal information it receives from clients, plan participants, and other persons visiting The Online 401(k) website, including information related to the past use of The Online 401(k) products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
This privacy policy only applies to The Online 401(k). This Privacy Policy applies to customers, clients, and transactions conducted in the United States. The Online 401(k) offers its products and services together with other affiliate companies. Any time you are linked from The Online 401(k) website to an affiliate’s website you are subject to privacy policy of those companies. This policy does not apply to the practices of companies that The Online 401(k) does not own or control, or to people that The Online 401(k) does not employ or manage.
HOW WE USE THE PERSONAL INFORMATION WE COLLECT
HOW WE COLLECT INFORMATION ABOUT YOU
HOW WE USE COOKIES
HOW WE PROTECT AND STORE PERSONAL INFORMATION
YOUR OBLIGATION TO PROTECT INFORMATION
HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES
AMENDMENTS AND CHANGES
HOW WE USE THE PERSONAL INFORMATION WE COLLECT:
At the Online 401(k), our primary purpose in obtaining personal information is to provide you with a safe, smooth, efficient, and customized experience when using our services and when viewing our website. We will obtain and the use information to understand how our clients and other persons visiting our site use our services, resources provided on our site, and the resources and information available elsewhere on the internet which have been accessed by visitor to our website. The information will assist us in our desire to continually improve our site, and to make site navigation quicker and more convenient for you. The following are examples of how we use personal information.
- Provide the services and customer support you request;
- Process transactions and send notices about your transactions;
- Prevent potentially prohibited or illegal activities, and enforce our User Agreement;
- Customize, measure, and improve our services and the content and layout of our website;
- Send you targeted marketing, service update notices, and promotional offers based on your communication preferences;
- Compare information for accuracy and verify it with third parties.
When you visit The Online 401(k) website, we may automatically receive and record information from your computer and browser, including your IP address and standard web log information, such as your browser type and the pages you accessed on our website, and software and hardware attributes.
We also collect personally identifiable information, when you request informational materials through our online forms that ask for your contact information and company information. We will use your information to provide you with the requested materials, to follow-up with you from time to time via email, mail or telephone, and to provide to you with additional information describing and promoting products and service provided by The Online 401(k). Each email you receive from The Online 401(k), as a result of having requesting the informational materials, will contain clear instructions for opting out of future email communications offering products and service provided by The Online 401(k).
The Online 401(k) may combine information about you that we have obtained with information we obtain from business partners or other companies.
If you become a client of The Online 401(k), we may collect the following types of information from you:
- From companies and employers we may obtain information on both the company and employees: The name of the company, an employer identification number, details about the company's existing retirement plans, and an email address and other relevant plan information. The names of employees and the social security numbers, annual incomes, addresses, length of service, gender, marital status, dates of hire, dates of birth, email addresses and other relevant plan information.
- From employees and plan participants we may obtain general contact information: Their name, residence and business addresses, phone numbers, email addresses, and other similar information.
- Resolve disputes and troubleshoot problems.
- General personal information: Birth date, gender, occupation, industry, and personal interests.
- Financial information: Account balance, compensation information, contribution rates and tax bracket.
HOW WE USE COOKIES:
When you access The Online 401(k) website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer. Internet "cookies" are elements of data that a web server gives to your web browser in connection with your visit to a website. We will send cookies to your computer when you log into your account. One of the cookies allows us to recognize you if you visit multiple pages on our site during the same session, so that we don’t need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.
Also, our system can automatically gather information about the pages, and areas, you visit on our website. We can also gather information about the hyperlinks you may click on, and other areas of the internet that you may view in connection with The Online 401(k). We may obtain any or all of the following information during your visits to The Online 401(k) website: the date and time that you have accessed the site; the pages that you have visited on the site and the sequence in which you visit them; the amount of time that you spend on any given page of the site; the Internet address of the websites that you visited immediately before visiting the site; the internet address of the website from which you linked directly to the site, if any; the internet address of the website that you visit immediately after leaving the site; and the type of operating system used on your computer; the type of internet browser that you are using to view the site.
All information obtained from cookies is viewed by us in the aggregate for overall patterns and does not describe or identify any individual user except when used to diagnose individuals' problems with the website. We do not use cookies to store confidential or sensitive information on your computer, or to obtain data from your hard drive, or gain confidential or sensitive information about you. We encode our cookies so that only we can interpret the information stored in them.
We may share aggregated statistical information that has been obtained from cookies with our affiliates, partners, suppliers and other third parties, but we will not share any individual names, personal navigational or other personal information.
You are free to decline our cookies if your browser permits, and you can also erase cookies already stored on your computer. Blocking or deleting our cookies may, however, interfere with your use of The Online 401(k) website, and some of our online features may not work as intended.
HOW WE PROTECT AND STORE PERSONAL INFORMATION:
The Online 401(k) takes every precaution to protect information obtained from clients, plan participants and other persons accessing the website. When users submit sensitive information via the website, information is protected both online and off-line.
We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations.
We use computer safeguards such as firewalls and data encryption. All information collected and available on our site is protected with the best encryption software in the industry. We update and test our technology regularly to maintain and improve the protection of our customers' information.
While we use encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. The servers that we store personally identifiable information on are kept in a secure environment. We limit access to your personal information. Only employees who we believe reasonably need the information, in order to provide products or services to you or in order to do their jobs, will have access to personally identifiable information. Employees who violate our privacy policy are subject to disciplinary action.
YOUR OBLIGATION TO PROTECT INFORMATION:
If you maintain an account with The Online 401(k) that you access through our website, you are solely responsible for protecting and maintaining the confidentiality of your account and password. You are solely responsible for restricting access to your computer. You accept all responsibility for any and all activities occurring under your account or password that are due to your conduct, inaction or negligence.
HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES:
The Online 401(k) will not rent, sell, or share personal information about you with non-affiliated people or companies, except under the following circumstances:
- To provide products or services you've requested; or
- When we have your authorization; or
- When we provide the information to trusted partners who work on behalf of or with The Online 401(k) under confidentiality agreements. We may share your information with third parties that perform services for us, such as outside vendors who provide online marketing services, or who assist us in sending communications. We also may share your information with third parties to operate or manage our business. All such third parties are prohibited from using, selling, or renting such information for their own purposes or benefit and are required to protect such information from unauthorized use and disclosure.
- When we respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims; or
- When we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of The Online 401(k)’s terms of use, or as otherwise required by law;
- If The Online 401(k) is acquired by or merged with another company, we will transfer information about you to the new company. In this event, The Online 401(k) will notify you before information about you is transferred and becomes subject to a different privacy policy.
We may amend this policy at any time. Any changes, deletions or additions to this privacy policy will apply to information previously collected. If we decide to change our privacy policy, we will give notice in the way we treat personal information by placing a prominent notice on our website, and by posting a revised version of the Privacy Policy on our website. The revised version will be effective at the time we post it on the website.
Talk to a
401(k) consultant
401(k) consultant
Call us at 877.707.4015 or send an e-mail.
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