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Questions or requests? To submit privacy-related questions or requests, please call our toll-free number at 855-756-4738 or send us an email at Participant_services@empower-retirement.com. Please do not put any confidential or personal account information in an email request.
March 15, 2021
Welcome to the Empower Retirement website.
Empower Retirement takes data privacy very seriously and is committed to protecting and respecting the privacy, security and integrity of your personal information. This policy sets out key information regarding Empower Retirement and how your personal data will be collected, used and protected. Please note that certain portions of this policy may, or may not, be applicable to you based on the services and products in which you are enrolled and applicable laws. This policy is supplemented by specific notices, set out in links within this policy, that provide additional information pertaining to your relationship with Empower or addressing the requirements of the jurisdiction in which you live. In this policy, the terms “Empower,” “Empower Retirement,” “we” and “our” refer to each and all of the Empower family of companies listed at the end of this notice.
Empower collects personal information as required or permitted by law. Based on the services or products you receive from us, or other transactions initiated by you, your personal data may be collected from the following sources:
Empower uses your personal data to respond to your requests and inquiries and to provide you with services and products you receive from us. In the event you are enrolled in a retirement plan that is administered by Empower pursuant to a services agreement with the plan sponsor of your retirement plan (your employer or former employer), Empower will process your data to perform its services to the plan sponsor. If you contract directly with Empower or its affiliates for other services offered by Empower to individual customers, such as advisory services, financial products or financial wellness services, Empower will use your data to process transactions and perform its obligations in connection with such services. Empower will also use your data as permitted by law to make you aware of other financial products or services that may be of interest to you. Empower may use your data on an anonymized basis to conduct and publish aggregated research about the retirement or investment industries.
Empower will use your data for other purposes as permitted by law, including to protect your interests and ours in the detection, prevention and mitigation of fraud, to meet the requirements of applicable laws and regulations, to comply with requests of regulators with jurisdiction over our services, and for product development and delivery.
We limit the information we share and the parties we share it with. We do not sell your personal data. What we share depends on the types of products or services you have procured and applicable law. We do not share your personal data in any way that requires that we offer you an “opt-out” of such sharing.
Further, personal data may be shared as necessary to effect, administer, or enforce a transaction you request or authorize, with your consent, at your direction, or as allowed by applicable law. For example:
Other disclosures of your data may include:
After your relationship with us ends, the terms of this policy shall continue to be applicable to your data as long as we retain your data.
Empower Retirement will not knowingly collect personal data from children under the age of 16 without seeking prior parental consent (if required by applicable law). We will only use or disclose personal data about a child to the extent permitted by law, to seek parental consent pursuant to local law and regulations or to protect a child. The definitions of "child" or "children" may be slightly different as set forth in various applicable laws.
We use physical, administrative and technical safeguards designed to protect the confidentiality, integrity and availability of your personal information. Any third-party service providers with whom we share your personal information agree to maintain the confidentiality and security of the personal data and use it solely to provide their services to us. In addition, Empower Retirement provides the Empower Retirement Security Guarantee to its customers and participants as described here.
When you access our websites or mobile applications, we or our third party suppliers use a variety of technologies, such as cookies and web beacons, that automatically collect data (such as: without limitation, your device type, browser type, internet protocol address, operating system used, number of visits, average time spent on the site and pages viewed). This data is used to operate the websites more efficiently, maintain the security of your online session, improve our websites’ design and navigation, and perform online advertising (where permitted by law). If you have created an account with us, we may combine the data collected through the tracking systems described herein with other information we know about you, as permitted by law. We use this information internally to provide you with a better user experience and to offer you products and services that may be of interest to you.
Some of our websites include links or navigation to third-party sites. These third-party sites may include informational sites, sites providing financial wellness tools and services, or services offered to you solely by a third party, as further described in the disclosures provided on such sites.
If you do not want to have cookies on your computer or device, you can use the settings or tools offered on your browser to refuse or deny cookies, or to delete cookies that have already been stored. If you refuse or delete cookies, you may notice an impact on your use of Empower’s (and its affiliates’) websites; for example, you may not be able to sign in and access your account without additional authentication, or we may not be able to recognize you, your device or your online preferences.
Empower advertises its products and services on its websites and mobile applications and on websites not affiliated with Empower, and we contract with third party advertisers to place those advertisements. Empower and its suppliers may also send you advertising and communications that are tailored to you or that provide you with products or services that may be of interest to you, based on information that we or that such third-party service providers have collected about you. Such advertising may include advertising on websites not affiliated with Empower, such as social media. Our third-party advertising providers might use information collected from cookies or beacons about your use of our websites to provide interest-based advertisements based on your online activity as permitted by law. We do not provide any information that identifies you to these service providers. If you would like information about how to opt-out of such interest-based advertising, you may find more information through the Network Advertising Initiative here.
Attn: Privacy Officer
8525 E Orchard Rd, 2T3
Greenwood Village, CO 80111
The policy is applicable to the following family of companies and brands: