TRUSTe

Your privacy

This privacy policy was last updated on March 11, 2009.

As a financial services company, we believe that the privacy and security of your data are essential. Personal information you give us is handled with the utmost care.

RetireHub, Inc. ("RetireHub") is your personal investment advisor for your retirement planning. As such, any information you enter onto our site remains confidential between you and RetireHub. We understand that your privacy is very important, and we will use our best efforts to respect and protect your privacy. However, in order to gain the maximum benefit from our web site, you will have to disclose to us certain personal and private financial information. “Personal Information” pertains to information such as name, or email that can be used to identify an individual.

This statement discloses the privacy policies and practices of RetireHub, and the security precautions we have designed to protect your privacy. Please bear in mind that our policies do not cover other third-party Internet sites and services used when you elect to aggregate your account data. You should read the privacy policies of all companies from which you authorize RetireHub to obtain personally identifiable financial information. This Statement applies explicitly to the sites www.retirehub.com.

RetireHub is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build users’ trust and confidence in the Internet by promoting the use of fair information practices. Because we want to demonstrate our commitment to your privacy, we have agreed to disclose our information practices and have our privacy policies reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement, you should first contact Customer Care, RetireHub, Inc., 580 Harrison Street, 2nd Floor, Boston, MA 02118 , CustomerCare@RetireHub.com, Toll Free: 1-877-587-2832. If you do not receive acknowledgement of your inquiry or your inquiry is not addressed to your satisfaction, contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with us to resolve your inquiry.

Information We Collect

RetireHub collects certain information from you at several different points on our site. Much of this information is "nonpublic personal information" or "personally identifiable financial information;" that is, personal information about you for which you have a reasonable expectation of privacy. It is information that you would most likely not want shared with others.

The information we collect may include:

  • Your name, date of birth, address, email address and Social Security number.
  • Your income or salary, including your anticipated salary at retirement.
  • Your spouse's salary, including his or her anticipated salary at retirement.
  • The identity of your employer, and your plans with respect to how long you intend to keep working.
  • Other assets that you have set aside for retirement, including other mutual funds and securities.
  • Your other retirement savings plans or pensions, including information about retirement plans not included in our services rendered to you.
  • Other assets that your spouse has set aside for retirement, including other mutual funds and securities.
  • Your spouse's other retirement savings plans or pensions, including information about retirement plans not included in our services rendered to you.
  • Your saving habits.
  • Your responses regarding your apparent risk tolerance.
  • Your retirement goals.

In order to implement our account data aggregation capability, RetireHub will obtain nonpublic personal information from you, such as account user names and passwords. We will safeguard this information, as well as any resulting personally identifiable financial information, by applying our Privacy Policy in the same manner as the nonpublic personal information you enter directly into the Web site.

How We Use Your Personal Information

We have used our best efforts to determine the type of information needed to best serve you, so as to limit to the personal information we collect from you to only that, which we need to provide our Service to you. We will not sell, share, or rent this information to any third party, except as required by law, or for the purpose of providing our services as described herein.

This information is important to us because it helps us give you customized investment advice for your retirement planning.

RetireHub uses your nonpublic personal information to provide our services to you that you have requested and to fulfill our legal and regulatory requirements. RetireHub ’s primary goal is to offer you private, customized advice on our Web site. By having your personal information, we are better able to assess the chances of your reaching your financial goals and are able to return more accurate advice to you.

RetireHub will not rent, sell or disclose your email address to third parties. We use email to send you periodic rebalancing reminders, market updates, and any communications required to fulfill our legal and regulatory requirements. You may opt-out of any customer surveys and newsletters by sending an email to CustomerCare@RetireHub.com or clicking on the unsubscribe link present in all communications you receive from us.

Sharing of Nonpublic Personal Information

We do not share your personally identifiable information with any third parties, except in those instances described below. We reserve the right to share such information with a third party, only to the extent that the participation of the third party is necessary to provide our services to you. In the event we contract with a third party to help us provide our services to you, our agreement with the third party will expressly prohibit the third party from using your nonpublic personal information for any purpose other than assisting us in providing our services to you. Additionally, as mentioned above, we reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

Moreover, in an event of the sale, acquisition, transfer, or merger of some, or all of RetireHub’s assets, your personal information could be a part of the transferred assets. In such an event, we shall notify you of your choices in how your information would be used henceforth.

As stated above, we will not sell, share, or rent this information to others in any way different from what is disclosed in this statement.

Use of Cookies

Our Web site does not collect personally identifying information about you except when you specifically and knowingly provide it. We only use a "cookie" to store user session information. The cookie is an identifier that our Web site sends to your browser, which may then store it on your system. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it.

Use of Log Files

Our Web site logs and stores IP addresses for systems administration purposes. IP addresses are signed to track a user's session, including length of time of your visit and the number of times you visit our site. This gives RetireHub an idea of which parts of our site users are visiting and for how long. We do not link IP addresses to anything personally identifiable. This means that a user's session will be tracked, but the user will be anonymous except when explicitly logging into the service.

We use this information to gather aggregate demographic information that helps us to provide you with services and information that is relevant to you. We keep this information for our internal use; we do not share it with third parties.

Security Procedures

RetireHub takes precautions to protect your private information. When you submit nonpublic personal information to us via the Web site, your information is protected both online and off-line.

We protect your account information by placing it in the secure portion of our Web site and databases. That's why you have to enter a unique ID and password each time you want to access your information. Your Password should never be shared with anyone.

When you enter non-public personal information (such as your salary) into our Site, that information is protected with the Secure Sockets Layer (SSL) protocol. While you are on a secure page, such as our registration form, the lock icon on the bottom of Web browsers, such as Mozilla FireFox and Microsoft Internet Explorer becomes activated, as opposed to unlocked, or open, when you are just 'surfing'. See our Security Statement for further information on our online security measures.

In addition to using SSL encryption to protect sensitive information online, we take other steps to protect personally identifiable information off-line. All of your information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to nonpublic personal information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to your information. Furthermore, all employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and reminded about the importance we place on privacy, and what they can do to ensure our customers' information is protected. Finally, the computer servers storing your nonpublic personal information are kept in a secure environment.

How to Control or Change Your Information

You may change or edit any information you have provided to RetireHub at any time. Keep in mind that if you change your personal information; the investment advice that was previously provided may no longer be appropriate. To change your personal information, sign into www.RetireHub.com, update your profile, and visit RetireHub Settings under the Customer Care tab.

Notification of Changes to This Policy

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.

Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. While we strive to protect your personal information, RetireHub cannot ensure or warrant the security of any information you transmit to us or from our online services. Once we receive your nonpublic personal information, we will make our best effort to ensure its security on our systems.

We thank you for taking the time to read this statement and encourage you to contact participant support at CustomerCare@RetireHub.com if you have any questions or comments.

Links

This Web site may contain links to other sites. Please be aware that RetireHubis not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our Web site and to read the privacy statements of each and every site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Should you need to contact us, please direct all correspondence to:
RetireHub, Inc.
580 Harrison Street
2nd Floor
Boston, MA 02118.