Protecting privacy is a top priority at fiduciarydecisions.com (the “Site” or “fiduciarydecisions.com“), a website operated and owned by Fiduciary Decisions Insights, LLC (“Fiduciary Decisions”). Fiduciary Decisions implements robust privacy protections, high-level security, and fair information practices to protect a user’s personal information. This statement describes the policies that govern the collection, maintenance, use, and disclosure of personal information about users of our services, which may change from time to time.
» Accuracy, access
Fiduciary Decisions aims to provide accurate and up-to-date information as part of our service. We encourage users to review their information and to make any necessary updates and/or corrections.
We also work to safeguard the information you provide us with a number of security measures designed to prevent unauthorized use, access, disclosure, or destruction of data.
We do not sell, trade or rent our user lists or user information to third parties.
Information collection from users
Registration: Fiduciary Decisions obtains information about users through the registration process. When you register, you are asked to provide certain personal information, such as your full name, company name, company Employer Identification Number (EIN), company business model, company’s broker-dealer (if applicable), and email address. You also select a fiduciarydecisions.com user ID and password. Plan data request: Fiduciary Decisions obtains information about user plans through the Site. This information supports plan benchmarking. Plan information is used to compare your plan versus a benchmark group of plans. Plan data is also used to build the benchmark groups used by other plan benchmark reports. Plan data points are also used to build research on plan fee, design, support, service, and success measures. Benchmark group membership and plan research universes are not disclosed.
Retirement Outcome Evaluator (ROE): Fiduciary Decisions requires that users submit the following data to use the ROE service: plan design information, encrypted participant demographic data such as: date of birth, date of hire, salary and state of residence, as well as participant data regarding contributions (i.e. contribution rates to Pre-Tax, Roth, Post-Tax sources by fund). All of the foregoing items are required for the purpose of estimating retirement income.
Surveys: Fiduciary Decisions may occasionally ask users and visitors to complete surveys and opinion polls about their interests, needs, and attitudes. Surveys help us provide better services that users may find beneficial. Participation is completely voluntary. We do not use any survey information in an individually identifiable form. Once you complete a survey, any links between your identity and your answers are broken as quickly as possible. All information provided through surveys is only used in an aggregated and anonymous manner.
Information collection from non-registered users
For non-registered users, we do not ordinarily collect any information about you except through web logs (see below), or if you fill out a web form, send us an email, or choose to share information with us in any other way. In that case, we will have the information that you provided and will use it to respond to your inquiry or to fulfill your request if we can. We do not share any of this information with anyone else, except as provided by law or to respond to your request. If you receive an email from Fiduciary Decisions that you no longer want to receive, you can ask us to stop by sending a request to firstname.lastname@example.org.
fiduciarydecisions.com maintains standard web logs that automatically record basic information about everyone who visits our Site. These logs contain:
fiduciarydecisions.com uses web log information to help us design and improve our Site, to identify popular features, and for other managerial purposes. Web logs may be used if necessary to help identify any person attempting to break into or damage our Site. We may, in this connection, share web log information with law enforcement agencies if we believe that we have evidence of a violation of computer security or related laws.
fiduciarydecisions.com uses browser cookies. These stay in your computer’s memory until removed. They are used to facilitate your personal navigation through the Site. If you decide not to permit cookies on your computer, this may affect your ability to use our Site.
Certain features of our Site may use locally stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Site. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, you may visit http://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html.
Pages of the Site and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Fiduciary Decisions, for example, to count users who have visited those pages or opened an e-mail and for other related Site statistics (for example, recording the popularity of certain Site content and verifying system and server integrity).
How we use the information provided to us
In addition to the uses described above, we and our partners and service providers may use user information to analyze and improve the content, materials, and services that we make available on the Site, to notify you of changes made to the Site, to evaluate user needs and improve the Site content, to send you promotional materials, and to support our continuing efforts to offer users the information and services we think they want most. If you contact us for support or assistance, we may use user information to provide service and support to you. Finally, we may use user information for any other purpose with your consent.
Do Not Track
Our systems do not recognize browser “Do Not Track” signals. “Do Not Track” is a proposed universal mechanism that enables consumers to opt-out of tracking by websites they do not visit. Once the Internet industry has settled on standards related to this issue and Fiduciary Decisions recognizes such standards, we may reevaluate this approach.
Partner Privacy Standards
Fiduciary Decisions contracts with other companies to assist in supporting our core features and functions. When necessary for these services to function, we exchange user information with these companies or those users who have selected those services. We require through written agreements that our key partners treat our users’ data under the same privacy and security standards that Fiduciary Decisions uses. This means that personal information provided to our partners is not sold, rented, or shared by them except as necessary to accomplish the purpose of the disclosure. It also means that our partners are required through written agreements with us not to use personal data for marketing to our users.
If all or substantially all of our assets were acquired, through a sale, merger, or other transfer to another third party, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, user data would be one of the assets that are transferred or acquired by a third party. Any acquirer of our assets may continue to use user data as set forth in this policy.
Protection of Us and Others
We may release user data when we believe in good faith that release is necessary to comply with any law; enforce or apply our conditions of use and other agreements; or protect the rights, property, or the safety of us, our employees, our customers, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.
If you click through to another website offering products, services, or content, any information that you disclose to that website will be subject to the security policies of that website and not those of fiduciarydecisions.com. Before you provide personal information to other companies, we encourage you to read their security policies.
Fiduciary Decisions describes all sources, uses, and disclosures of fiduciarydecisions.com user data. We do not collect, use, or disclose any information about our users without their knowledge and approval except as provided herein or permitted by law. We do not sell, trade, rent, or otherwise disclose our user lists or user information to third parties except as required by law or disclosed herein.
Some personal information maintained by fiduciarydecisions.com may be used when necessary by outside auditors, consultants, and others hired by Fiduciary Decisions to assist in carrying out financial or operational activities. We permit these uses or disclosures only when necessary. All recipients must agree in writing to safeguard personal information, to use it only for an authorized purpose, and to return it or destroy it upon completion of the activity.
In addition, it is possible that Fiduciary Decisions could be required to disclose personal information in response to valid legal processes, such as a search warrant, subpoena, or court order. All record keepers face the possibility that disclosure of their records may be compelled in some civil, criminal, or administrative matters. Disclosures may also be appropriate to protect Fiduciary Decisions’ legal rights or during emergencies if physical safety is believed to be at risk. We think that these events are unlikely, but they are possible. We will take reasonable steps to limit the scope and consequences of any of these disclosures.
If we receive a subpoena demanding disclosure of your records, we will make reasonable efforts to notify you of the subpoena when possible.
WHAT CHOICES DO YOU HAVE?
When corresponding with Fiduciary Decisions or our representatives, or when making a request for information or otherwise interacting with us or others through the Site, you choose what information to supply, what questions or comments to submit, whether you wish to receive further information, and by what method of communication such information should be delivered. Please take care to share only such information as is needed or that you believe is appropriate. You are under no obligation to provide us with personally identifiable information, but without it, we may not be able to provide you the products or services you request. You may contact us as indicated below if at any time you would like to ask us about our data collection and information security practices.
To gain more information on your privacy rights generally, the Federal Trade Commission provides useful information about online privacy on its own website at http://www.consumer.ftc.gov/topics/privacy-identity.
Advertising agencies, advertising networks, and other companies may place advertisements on the Internet generally and may use their own cookies, web beacons, and other technology to collect information about you when you visit our Site. 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 the use of such technology and have no responsibility for the use of such technology to gather information about you. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. To opt-out of interest-based advertising from third-party companies, you may visit http://www.networkadvertising.org/choices/.
We will work with users to obtain a fair and rapid resolution of any complaints or disputes about privacy.
We will use our commercially reasonable efforts to resolve any problems, complaints or disputes that a user has identified to us.
Last Updated: February 1, 2021