(Updated as of November 30, 2018)
By using our website, interacting with us on social media, or communicating with us via email or other electronic messages (collectively, "Digital Presence"), you consent to: (1) the collection, use, and storage of your personal and non-personal information, and (2) the Terms & Conditions of Use below, which includes our Privacy & Security Statement. We may amend these Terms and Conditions from time to time; if we do, we will post those changes on this page within a reasonable time after the change.
Depending on your interaction with Ascensus, other privacy policies may apply in addition to these Terms & Conditions.
Terms & Conditions of Use
Privacy & Security Statement
Asset Protection Policy
Terms & Conditions of Use
Trademarks and Copyrights
The materials on this Digital Presence are copyrighted and protected by worldwide copyright laws and treaty provisions. Any unauthorized use of these materials may violate copyright, trademark, and other laws. Materials on this Digital Presence may not be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any way without the prior written permission of the Digital Presence host. Except as expressly provided, the Digital Presence host does not grant any express or implied right to you under any patents, copyrights, trademarks, or trade secrets.
Although the Digital Presence host has attempted to provide accurate information on this Digital Presence, it assumes no responsibility for the accuracy of the information. The Digital Presence host makes no representations or warranties on this Digital Presence with respect to its product or service offerings. Information regarding products or services offerings contained on this Digital Presence, including but not limited to information regarding features and benefits, technical information, or other similar information contained in documentation available on or from this Digital Presence, shall not be incorporated or integrated into any Digital Presence host warranty or other contractual right, privilege, or obligations otherwise provided under the terms of any agreement with the Digital Presence host. The Digital Presence host may make changes to the materials or products described in this Digital Presence at any time, without notice. The Digital Presence host makes no commitment to update these materials.
ALL INFORMATION PROVIDED ON THIS DIGITAL PRESENCE IS PROVIDED TO YOU ON AN “AS IS” BASIS, WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE DIGITAL PRESENCE HOST MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS DIGITAL PRESENCE. YOU ARE RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE RELYING ON IT. USE OF THIS DIGITAL PRESENCE AND THE CONTENT AVAILABLE ON THIS DIGITAL PRESENCE IS AT YOUR SOLE RISK. THE DIGITAL PRESENCE HOST MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THIS DIGITAL PRESENCE WILL BE SECURE, UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THIS DIGITAL PRESENCE IS FREE OF VIRUSES.
Limitation of Liability
THE DIGITAL PRESENCE HOST SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THIS DIGITAL PRESENCE, EVEN IF THE DIGITAL PRESENCE HOST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING BUT NOT LIMITED TO RELIANCE BY ANY PARTY ON ANY CONTENT OBTAINED THROUGH THE USE OF THIS DIGITAL PRESENCE, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF OR UNAUTHORIZED ACCESS TO THIS DIGITAL PRESENCE, OR RELATED INFORMATION OR PROGRAMS.
Content of Materials
The materials on this Digital Presence have protected information. This means it cannot be used or copied without the owner’s written consent. In most cases the owner is the Digital Presence host. In some cases the owner is a third party.
Links to Other Websites
This Digital Presence may contain links to third party sites. Access to any other Internet site linked to this Digital Presence is at the user’s own risk and the Digital Presence host is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites. The Digital Presence host provides these links merely as a convenience and does not endorse the companies or contents of any linked sites.
Third Party Content
This Digital Presence includes content supplied by companies that are not affiliated with Ascensus ("Third Party Content"). Third Party Content may include prospectuses, fact sheets, and other information about investments; general news and commentary; interactive tools; and data concerning the financial markets. Third Party Content providers include Morningstar and Lipper. Third Party Content may be available through framed areas, through hyperlinks to third party websites, or by simply publishing it on this Digital Presence. Third Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the applicable Third Party Content provider.
Ascensus has not been involved in the preparation, adoption, or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. Neither Ascensus nor the Third Party Content providers guarantee the accuracy, timeliness, completeness, or usefulness of the Third Party Content, nor are such parties responsible or liable for any such content. Third Party Content is provided for informational purposes only and Ascensus and the Third Party Content providers specifically disclaim any responsibility for Third Party Content. You use Third Party Content only at your own risk. Links provided on this Digital Presence to mutual fund prospectuses may resolve to the fund’s summary prospectus, if available, or alternatively to the fund’s full prospectus.
THE THIRD PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Fraud and Abuse
- Financial Finesse is a trademark of Financial Finesse, Inc.
- Google Chrome™ is a trademark of Google Inc.
- Safari® is a trademark of Apple Inc.
- Morningstar™ is a trademark of Morningstar Inc.
- Firefox® is a trademark of Mozilla Foundation
- Microsoft Edge™ and Microsoft Internet Explorer™ are trademarks of Microsoft Corporation
You agree that you will not use this Digital Presence and its content to break any laws. This includes fraud and abuse laws.
Free from Fault
You agree not to make any claim against the Digital Presence host or its parents, affiliates, subsidiaries, employees, contractors, agents, officers, and directors. This includes claims for third party lawyers’ fees that might result from your use of this Digital Presence. It also includes claims related to any rights of a third party you might violate or laws you might break in using this Digital Presence.
The Digital Millennium Copyright Act
The Digital Presence host reserves the right, but not the obligation, to terminate your access to this Digital Presence if it determines in its sole and absolute discretion that you are involved in infringement activity, including alleged acts of first-time or repeat infringement, regardless of whether the material or activity is ultimately determined to be infringement.
The Digital Presence host and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. Our designated agent to receive notification of claimed infringement is: DMCANotice@ascensus.com
Any notice regarding any infringement of copyright or of other proprietary rights must include the following information:
- A signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed or (ii) the person defamed.
- Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single website are covered by a single notification, a representative list of such works at that site.
- Identification of the material that is claimed to be infringement, or to be the subject of infringement activity, including information reasonably sufficient to permit us to locate the material.
- Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and/or email address.
- A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright or other proprietary right owner, its agent, or the law.
If you choose to access this Digital Presence from outside the United States you do so upon your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from this Digital Presence to a foreign national or foreign country in violation of those laws.
Product Descriptions – Not Available in all States
The product descriptions, if any, provided on this Digital Presence are not intended to constitute offers to sell or solicitations in connection with any products or services. Some products may not be available in all jurisdictions. Anyone interested in a particular product should contact the Digital Presence host to determine whether the product is available in the particular jurisdiction of interest and to request a copy of the applicable policy, prospectus or other product information for a complete description of the product.
Changes and Applicable Law
The Digital Presence host reserves the right to make changes to this Digital Presence and these Terms & Conditions of Use at any time, for any reason, or for no reason, and with or without notice. The Digital Presence host encourages you to review this Digital Presence and these Terms & Conditions of Use periodically for any updates or changes. We will post the date that these Terms & Conditions of Use have been updated. Your continued access or use of this Digital Presence shall be deemed your acceptance of these Terms & Conditions of Use and any changes and the reasonableness of these standards for notice of changes. Use of this Digital Presence will be governed by and construed in accordance with the laws of the State of New York, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding related to this Digital Presence will be brought exclusively in a federal or state court of competent jurisdiction in the State of New York. If any provision of these Terms & Conditions of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms & Conditions of Use and shall not affect the validity and enforceability of any remaining provisions.
Privacy and Security Statement
The Digital Presence host is committed to protecting the privacy of its customers and others who visit our website, social media outlets, or send us information via email. The Privacy and Security Statement below outlines how we collect and use information. It also tells you what to do if you do not want your personal information collected.
Personal Information and Privacy
Each time you visit our Digital Presence, our web server automatically recognizes and gathers non-personally identifying information such as but not limited to your computer's IP address, browser software, operating system, pages viewed, and duration of your visit. This information is not linked to any personally identifiable information ("PII").
In addition to information automatically collected we may also collect through surveys or questionnaires PII such as email addresses, name and address, telephone number; and customer-specific identifiers such as ID, TIN, etc. In cases where PII is collected the Digital Presence host takes precautions to ensure the security of this information.
The information we collect is used to help us better understand how visitors utilize the site and enhance the overall Digital Presence experience. It is also used to notify customers about updates to our Digital Presence, and is shared only with agents or contractors to assist in providing support for our internal operations. The information is disclosed when we are legally required to do so, which may be at the request of governmental authorities conducting an investigation to verify or enforce compliance with the policies governing our Digital Presence and applicable laws, or to protect against misuse or unauthorized use of our Digital Presence. The information also may be provided to a successor entity in connection with a corporate merger, consolidation, sale of assets, or other corporate change respecting the Digital Presence.
Upon request, visitors can obtain copies of their PII that may be collected by this site or have their PII removed.
Upon request, visitors can obtain copies of their PII that may be collected by this site or have their PII removed.
Submissions over the Internet may not be secure. Please consider this fact before sending any personal or confidential information.
Ascensus social media profiles may follow other users, share or provide hyperlinks to third-party content, or “like/favorite” third-party content. Doing so is intended to provide additional perspective and engagement, and should not be construed as an endorsement of any services, products, guidance, individuals, or points of view outside of Ascensus.
The views and opinions expressed on social media by individuals associated with Ascensus are their own. The views and opinions expressed by Ascensus and its employees are subject to change without notice.
Most web browsers can be configured to reject cookies, or to notify you if a cookie is sent to you. If you are not sure whether your web browser has these capabilities you should contact the software manufacturer or your Internet service provider. If a user rejects a cookie, certain areas of the website may not function properly. The affected areas may include but are not limited to the following: inability to access certain areas of the website, inconvenience of having to enter personal information more often, and navigation ability throughout the website.
Ad Server Companies
We do not partner with or have special relationships with any ad server companies.
This Digital Presence contains links to other sites that may be helpful to our clients. The Digital Presence host provides these links for your convenience and is not responsible for the accuracy or completeness of these external sites. The Digital Presence host is not responsible for the content or privacy practices of external sites and encourages you to review the privacy policies of those sites before you use them.
Compliance with Gramm–Leach Bliley
The Digital Presence host may have access to customers' non-public personal information ("NPI"), as that term is defined by the Gramm-Leach Bliley Act of 1999 and the various regulations promulgated thereunder ("GLB"). Although the Digital Presence host is not a "financial institution" as defined by GLB, many of the Digital Presence host's clients and customers are "financial institutions" subject to GLB. The Digital Presence host will use NPI only in connection with providing services contracted for by customers' financial institutions. Except as necessary to provide such services, the Digital Presence host will not sell, share, or rent NPI to persons or entities other than the customers' financial institutions. Other provisions of GLB, such as the notification requirements and the "opt-out" provisions are the responsibility of the financial institution and not the Digital Presence host. As of the date that the Digital Presence host adopted this policy, most products and services provided by the Digital Presence host did not involve the collection of, or access to, NPI, with the exception of processing of certain retirement accounts and certain web hosting services. The Digital Presence host will limit access to NPI to the Digital Presence host employees and agents that need to know the NPI for business reasons. All Digital Presence host employees are trained to respect the privacy of NPI, and those who violate this policy will be subject to discipline. The Digital Presence host reserves the right to modify its policy regarding NPI at any time. If the Digital Presence host changes its policy regarding NPI, the Digital Presence host will post notification of the change on this Digital Presence within a reasonable time after the change. If at any point the Digital Presence host decides to use NPI in a manner different from that stated above, the Digital Presence host will notify the affected financial institutions. Users should review this privacy statement regularly.
Minors and the Children's Online Privacy Protection Act
Except as expressly stated upon initial access to a specific Digital Presence or section of such site, this Digital Presence does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Child Online Privacy Protection Act.
If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use this Digital Presence, you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of this Digital Presence and (iii) the consequences of any use.
If you have elected paperless statements
Your statement will be available to you on your retirement account website. If a valid email address is on file, you will receive an email notifying you when your statement for the most recent quarter is available. The email will include a link to your retirement account website where you can access your statement under Statements and Reports > Statements
. You agree that posting your statement on your retirement account website will constitute good faith compliance with the requirement to provide you with your statement regardless of whether or not you click the link in the notification email or access your statement on your retirement account website. You agree to receive communications and notices related to your statement through email.
To ensure that you receive notifications about your statement in a timely manner, it is your responsibility to maintain a valid email address in the Your Profile > View Profile
section of your retirement account website. You agree to access and check your account periodically.
At any time, you have the option to receive a free paper copy of your statement. To do so, go to the Your Profile > View Profile
section of your retirement account website and select your preferred method for receiving your statement, or contact Participant Services. Likewise, you can follow the same process if you are set up to receive paper statements and want to switch back to paperless statements.
Please note: You will need internet access and a PDF reader to view your paperless statement.
How to Contact Us
If you have questions regarding these Terms and Conditions of Use or have privacy related questions, please contact us. We can be reached via email at PrivacyNotice@ascensus.com
Asset Protection Policy
Ascensus is committed to working with you to protect your savings. If assets are taken from your account in an unauthorized online transaction on your account website—and you've followed the steps described in the Your responsibilities section below—Ascensus will reimburse assets taken from your account in the unauthorized transaction, subject to the terms and conditions described below. By working together, we can help maximize the safety of your accounts and your personal information.
At minimum, in order for this protection to apply, you are required to take the following steps:
Review and maintain your accounts.
Protect your user name, password, and other account-related information.
- Check your account at least monthly and promptly review all account statements, transactional confirmation and account information we send you, electronically or via hardcopy, immediately upon receipt. Report any errors or discrepancies in your account and any suspected unauthorized transactions or account changes to Ascensus as soon as possible, but no later than 30 days after that information is posted to your account or delivered to you.
Protect your computer.
- Make sure your user name, password, and answers to your security questions are unique and strong. A unique and strong password is one that cannot be easily guessed if your personal information is compromised. A strong password is also not reused across multiple sites.
- Never store your user name, password, or answers to security questions in your browser, or print and store them in an insecure location, and always use multi-factor authentication when available.
- Clear any temporarily stored security information by closing your browser after logging out. Do not leave your computer unattended while logged in to your account.
- Never check your account from a public computer; for instance, at a library or hotel.
- Report any suspected compromise of your username, password or other account-related information to Ascensus immediately.
Do not reply to e-mail requests for personal or financial information.
- Make certain any computer you use to access your account has up-to-date security and anti-spyware, antivirus, and firewall software.
Cooperate with us and stay informed.
- If you suspect an e-mail is fraudulent, do not respond to it, open an attachment to it, or click a link within it. We will never ask for personal information such as your Social Security number, account numbers, or passwords in an e-mail.
- Please immediately report to us any email that appears to be from us and that asks for this information. Do not use a link in the suspect email to report the activity.
Details regarding this protection:
- Cooperate fully with us in investigating and prosecuting any unauthorized activity in your account, and follow our recommendations about how to protect your account. We may require you to file a police report, complete a notarized affidavit, and/or permit us access to your computer. Ascensus will determine the applicability of reimbursement based on the facts of your situation.
This protection applies only to your account serviced by Ascensus, and only in those cases where you have fulfilled your responsibilities. This protection does not apply to unauthorized activity caused in whole or in part by your fraudulent, intentional, or negligent acts or omissions, including activity by a person whom you have intentionally or negligently permitted to transact in your account, or to whom you have intentionally or negligently given access to security information relating to your account. This protection does not apply to unauthorized account activity or account access by an employer, plan sponsor, or any other representative who is authorized to access your account but is acting outside the scope of his or her authority. This protection does not apply in instances where the fraud occurred after a payment correctly left an Ascensus facility; for instance, stolen US mail. Users should ensure their method of mail receipt is secure.
Ascensus will determine the type and amount of reimbursement, including whether to restore to your account cash and/or shares of securities equal to the amount of cash and/or shares of securities in your account at the time of any unauthorized activity. We will determine whether to reverse unauthorized trades and reinstate positions as held at the time of any unauthorized activity. This protection does not cover: any legal or other professional fees or expenses; or any special, indirect, incidental, consequential, non-monetary, punitive, exemplary, lost profit or lost opportunity damages; any taxes, fines or penalties; or any amounts that have been or are eligible to be reimbursed by another party.
Ascensus may seek restitution for reimbursements made to you from the person(s) or entity that committed the unauthorized activity. Ascensus may, at its discretion and as a condition of this protection, require that you assign to Ascensus certain rights you may have regarding your loss and/or sign a release form. You may not assign any rights to this protection from Ascensus to any other individual or entity.
If you have questions regarding the Asset Protection Policy, or have a fraud related issue of any kind that you need to alert us to, please either call our Participant Services Team or email us at AscensusFraud@ascensus.com