Privacy Management

PRIVACY STATEMENT – CALIFORNIA

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Ascensus Privacy Policy and applies solely to those who reside in the State of California (“consumers” or “you”). Ascensus Group, LLC, and its affiliated companies (“Ascensus,” “we,” or “us”) adopt this notice to comply with the California Consumer Privacy Act of 2018 and its implementing regulations, as amended by the California Privacy Rights Act (“CCPA”). Any terms defined in the CCPA have the same meaning when used in this statement. For the purposes of clarity, the defined term “consumer” includes any natural person, including a job applicant, current employee, and former employee, or contract employee who is domiciled in the State of California or who is in the state other than for transitory or temporary purposes.

Note that we never sell your personal information. We also do not disclose your personal information unless permitted or required by law or contract.

Information We Collect
We collect personal information. For purposes of the CCPA, personal information is information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked directly or indirectly with a particular consumer or device. In particular, we’ve collected for a business purpose, the following categories of personal information from consumers within the last 12 months:

1. A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.
2. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
   A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
3. Protected classification characteristics under California or federal law.
   Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
4. Commercial information.
   Records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
5. Internet or other similar network activity.
   Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
6. Professional or employment-related information.
   Current or past job history; employer names and addresses.
7. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
   Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
8. Inferences drawn from other personal information, which may include person's preferences, characteristic and predispositions.
9. Sensitive personal information
   Social security, driver’s license, state identification card, or passport number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; union membership; contents of a consumer’s mail, email, and text messages.

In the preceding twelve (12) months, we have not sold or shared any personal information, including personal information of individuals under the age of 16.

The categories of personal information noted above are obtained from the following categories of sources:

• Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services for which they engage us.
• Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them.
• Directly and indirectly from activity on our websites. For example, from submissions through our website portal or website usage details collected automatically.
• From third parties that interact with us in connection with the services we perform for you. For example, from affiliated institutions that provide specified financial service products.

Use of Personal Information
We use or disclose the personal information we collect for one or more of the following business purposes:

• To provide you with information, products or services that you request from us. For example, if we receive your personal information in order for us to maintain or administer your retirement or educational savings plan, we will use that information to provide you those services.
• To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
• To maintain and improve our website.
• To protect the rights, property or safety of Ascensus, our clients or others as is necessary or appropriate.
• To respond to law enforcement requests and as required by applicable law, rule, regulation, court order, or governmental regulations.
• To fulfill or meet the reason for which the information is provided.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, or similar proceeding, in which personal information held by us is among the assets transferred.

We won’t collect additional categories of personal information or use the personal information collected for materially different, unrelated, or incompatible purposes without providing you notice. Notice will be in the form of an update to this Privacy Management Page.

Note that the following information is excluded from the scope of the CCPA:

• Publicly available information from government records (if used for a purpose compatible with the purpose for which the data is maintained and made available in the government records).
• De-identified or aggregated consumer information. De-identified information is information that can’t reasonably identify, relate to, or describe a particular consumer. In other words, the information can’t be traced to any particular person. Aggregated information is information about a group of consumers from which individual consumer identities have been removed.
• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; and
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

Disclosing Personal Information
In order to effectively deliver our services to you, your personal information may be disclosed to a third party for a business purpose, in accordance with the Information We Collect section above. This may include but not be limited to (i) our affiliates; (ii) service providers (e.g., a print vendor with responsibility to produce and/or mail paper statements and notices; or (iii) the applicable custodial banking institutions who hold your money); and third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

Prior to any such disclosure to any third party, we require an executed contract that describes the specified purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose, except to perform the specific services stated within such contract.

Retention of Personal Information
We will retain each category of your personal information for as long as necessary to fulfill the purposes described in the “Use of Personal Information” section above, unless otherwise required by applicable laws. Criteria we will use to determine how long we will retain your information include whether: we need your information to provide you with products or services you have requested; we continue to have a relationship with you; you have requested information, products, or services from us; we have a legal right or obligation to continue to retain your information; we have an obligation to a third party that involves your information; our retention or recordkeeping policies and obligations dictate that we retain your information; we have an interest in providing you with information about our products or services; and we have another business purpose for retaining your information.

Your Rights and Choices
California law provides California residents with specific rights regarding their personal information. This section describes your California privacy rights and explains how to exercise those rights. 

Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and verify your request, we’ll disclose specific information to you as it relates to your account regarding:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting that personal information.
• The categories of third parties with whom we share that personal information.
• The specific items of personal information we collected about you which are subject to such disclosure.

Correction Request Rights
You have the right to request correction of any inaccurate personal information, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll correct (and direct our service providers to correct) your personal information, unless an exception applies. Accordingly, we may deny your correction request if:

1. We cannot verify your identity.
2. We believe a request is fraudulent or abusive.
3. We are not the source of the personal information that you believe is inaccurate. In such cases, we will provide you the name of the source from which received the personal information

Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. Accordingly, we may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested or that a third party requested on your behalf, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you or the sponsor of your plan or account.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
5. Comply with a legal obligation.
6. Make other internal and lawful uses of that information that are compatible with the context in which you provided the information.

Opt Out of the Sale/Sharing of Your Personal Information
The CCPA provides California consumers with the right to opt-out of the sale or sharing of their personal information to third parties. The CCPA defines “sale” or “sell” as disclosing or making available to a third-party personal information in exchange for monetary or other valuable consideration. We do not sell your personal information. We may share your personal information for cross-contextual behavioral advertising. You can opt out of the “sharing” of your personal information by clicking the “Do Not Share My Personal Information” link in our cookie banner.

Sensitive Personal Information
Where we collect sensitive personal information about you, we only use it provide our products and services to you. California consumers also have the right to opt-out of the sharing of their personal information. Ascensus does not share your personal information as that term is defined under the CCPA.

Exercising Your Rights
To receive access to your personal information or exercise your other rights:

Method 1
To access your personal information, please log into your existing account profile within the applicable secure portal, which enables you to view your account balance and other associated personal details.

Method 2
For general inquiries or requests with respect to your rights under the CCPA, please submit a request to one of the following options:
Phone: 844-981-1392
Email Address: Privacy@ascensus.com
Address: 200 Dryden Road, Suite 4000, Dresher, PA 19025, Attention: Compliance Department

Please note that we’ll need to verify your identity before we can discuss your request any details about your account. Only you or an authorized agent registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you are an authorized agent making a request on behalf of a California resident, we will also need to verify your identity, which may require proof of your written authorization or evidence of a power of attorney.  

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with any personal information if we cannot verify your identity or if we determine that you do not have the authority to make the request or confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. To verify a consumer request, we’ll only use personal information previously provided to us to verify the requestor's identity and authority to make the request.

Response Timing and Format
We try to respond to a verifiable consumer request within 45 days. If we require more time (up to 90 days), we’ll inform you of the reason and extension period in writing. If you have an account with us, we’ll deliver our written response to the address on record for that account. If you do not have an account with us, we’ll deliver our written response by mail or electronically. Any disclosures we provide will only cover the 12-month period preceding receipt of the verifiable consumer request. The response we provide will also explain the reasons why we can’t comply with a request, if applicable, and instructions on how to appeal the decision. For data portability requests, we’ll select a format to provide your personal information that is secure and readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Generally, we don’t charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine the request warrants a fee, we’ll tell you why that decision was made and provide you with a cost estimate before completing your request.

Non-Discrimination
We won’t discriminate against any California resident in the exercise of their CCPA rights. Unless permitted by the CCPA, we won’t do any of the following solely because you exercised your CCPA rights:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

PRIVACY STATEMENT – COLORADO
This PRIVACY NOTICE FOR COLORADO RESIDENTS supplements the information contained in the Ascensus Privacy Policy and applies solely to those who reside in the State of Colorado (“you”). Ascensus Group, LLC, and its affiliated companies (“Ascensus,” “we,” or “us”) adopt this notice to comply with the Colorado Privacy Act.

Note that we never sell your personal information. We also do not disclose your personal information unless permitted or required by law or contract.

Information We Collect
We collect personal information in accordance with Section 2 of our Privacy Policy.
We do not sell personal information.

Use of Personal Information
We use personal information in accordance with Section 4 of our Privacy Policy.

We won’t collect additional categories of personal information or use the personal information collected for materially different, unrelated, or incompatible purposes without providing you notice. Notice will be in the form of an update to this Privacy Management Page.

Note that the following information is excluded from the scope of the above state laws:

• Publicly available information from government records (if used for a purpose compatible with the purpose for which the data is maintained and made available in the government records).
• De-identified or aggregated consumer information. De-identified information is information that can’t reasonably identify, relate to, or describe a particular consumer. In other words the information can’t be traced to any particular person. Aggregated information is information about a group of consumers from which individual consumer identities have been removed.
• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) or clinical trial data; and
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), and the Driver's Privacy Protection Act of 1994.

Disclosing Personal Information
We disclose personal information in accordance with Section 5 of our Privacy Policy.

Prior to any such disclosure to any third party, we require an executed contract that describes the specified purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose, except to perform the specific services stated within such contract.

Your Rights and Choices
If you reside in Colorado, you have specific rights regarding your personal information. This section describes your privacy rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information. Once we receive and verify your request, we’ll disclose specific information to you as it relates to your account. 

Correction Request Rights
You have the right to request correction of any inaccurate personal information, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll correct (and direct our service providers to correct) your personal information, unless an exception applies. Accordingly, we may deny your correction request if:

1. We cannot verify your identity.
2. We believe a request is fraudulent or abusive.
3. We are not the source of the personal information that you believe is inaccurate. In such cases, we will provide you the name of the source from which received the personal information

Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. Accordingly, we may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested or that a third party requested on your behalf, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you or the sponsor of your plan or account.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Comply with a legal obligation.
5. Make other internal and lawful uses of that information that are compatible with the context in which you provided the information.

Opt Out of Profiling and Targeted Advertising
In addition, you have the right to opt out of targeted advertising and profiling, to the extent that profiling makes decisions that produce legal or similarly significant effects concerning you. To the extent we profile you, we do so in order to meet our legal obligations under applicable financial laws and regulations (i.e., know your customer requirements). You can opt out of targeted advertising by clicking the “Do Not Share My Personal Information” link in our cookie banner.

Exercising Your Rights
To receive access to your personal information or exercise your other rights:

Method 1
To access your personal information, please log into your existing account profile within the applicable secure portal, which enables you to view your account balance and other associated personal details.

Method 2
For general inquiries or requests with respect to your rights, please submit a request to one of the following options:
Phone: 844-981-1392
Email Address: Privacy@ascensus.com
Address: 200 Dryden Road, Suite 4000, Dresher, PA 19025, Attention: Compliance Department

Please note that we’ll need to verify your identity before we can discuss your request any details about your account. Only you or an authorized agent that you authorize to act on your behalf may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you are an authorized agent making a request on behalf of an individual, we will also need to verify your identity, which may require proof of your written authorization or evidence of a power of attorney.  

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with any personal information if we cannot verify your identity or if we determine that you do not have the authority to make the request or confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. To verify a consumer request, we’ll only use personal information previously provided to us to verify the requestor's identity and authority to make the request.

Response Timing and Format
We try to respond to a verifiable consumer request within 45 days. If we require more time (up to 90 days), we’ll inform you of the reason and extension period in writing. If you have an account with us, we’ll deliver our written response to the address on record for that account. If you do not have an account with us, we’ll deliver our written response by mail or electronically. Any disclosures we provide will only cover the 12-month period preceding receipt of the verifiable consumer request. The response we provide will also explain the reasons why we can’t comply with a request, if applicable, and instructions on how to appeal the decision. For data portability requests, we’ll select a format to provide your personal information that is secure and readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Generally, we don’t charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine the request warrants a fee, we’ll tell you why that decision was made and provide you with a cost estimate before completing your request.

Non-Discrimination
We won’t discriminate against you for exercising your rights. Unless permitted, we won’t do any of the following solely because you exercised your rights:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Sensitive Personal Information
Where we collect sensitive personal information about you, we will only do so to perform a contracted service.

PRIVACY STATEMENT – CONNECTICUT
This PRIVACY NOTICE FOR CONNECTICUT RESIDENTS supplements the information contained in the Ascensus Privacy Policy and applies solely to those who reside in the State of Connecticut (“you”). Ascensus Group, LLC, and its affiliated companies (“Ascensus,” “we,” or “us”) adopt this notice to comply with the Connecticut Act Concerning Personal Data Privacy and Online Monitoring.

Note that we never sell your personal information. We also do not disclose your personal information unless permitted or required by law or contract.

Information We Collect
We collect personal information in accordance with Section 2 of our Privacy Policy.
We do not sell personal information.

Use of Personal Information
We use personal information in accordance with Section 4 of our Privacy Policy.

We won’t collect additional categories of personal information or use the personal information collected for materially different, unrelated, or incompatible purposes without providing you notice. Notice will be in the form of an update to this Privacy Management Page.

Note that the following information is excluded from the scope of the above state laws:

• Publicly available information from government records (if used for a purpose compatible with the purpose for which the data is maintained and made available in the government records).
• De-identified or aggregated consumer information. De-identified information is information that can’t reasonably identify, relate to, or describe a particular consumer. In other words the information can’t be traced to any particular person. Aggregated information is information about a group of consumers from which individual consumer identities have been removed.
• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) or clinical trial data; and
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), and the Driver's Privacy Protection Act of 1994.

Disclosing Personal Information
We disclose personal information in accordance with Section 5 of our Privacy Policy.

Prior to any such disclosure to any third party, we require an executed contract that describes the specified purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose, except to perform the specific services stated within such contract.

Your Rights and Choices
If you reside in Connecticut, you have specific rights regarding your personal information. This section describes your privacy rights and explains how to exercise those rights. 

Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information. Once we receive and verify your request, we’ll disclose specific information to you as it relates to your account. 

Correction Request Rights
You have the right to request correction of any inaccurate personal information, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll correct (and direct our service providers to correct) your personal information, unless an exception applies. Accordingly, we may deny your correction request if:

1. We cannot verify your identity.
2. We believe a request is fraudulent or abusive.
3. We are not the source of the personal information that you believe is inaccurate. In such cases, we will provide you the name of the source from which received the personal information

Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. Accordingly, we may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested or that a third party requested on your behalf, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you or the sponsor of your plan or account.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Comply with a legal obligation.
5. Make other internal and lawful uses of that information that are compatible with the context in which you provided the information.

Opt Out of Profiling and Targeted Advertising
In addition, you have the right to opt out of targeted advertising and profiling, to the extent that profiling makes decisions that produce legal or similarly significant effects concerning you. To the extent we profile you, we do so in order to meet our legal obligations under applicable financial laws and regulations (i.e., know your customer requirements). You can opt out of targeted advertising by clicking the “Do Not Share My Personal Information” link in our cookie banner.

Exercising Your Rights
To receive access to your personal information or exercise your other rights:

Method 1
To access your personal information, please log into your existing account profile within the applicable secure portal, which enables you to view your account balance and other associated personal details.

Method 2
For general inquiries or requests with respect to your rights, please submit a request to one of the following options:
Phone: 844-981-1392
Email Address: Privacy@ascensus.com
Address: 200 Dryden Road, Suite 4000, Dresher, PA 19025, Attention: Compliance Department

Please note that we’ll need to verify your identity before we can discuss your request any details about your account. Only you or an authorized agent that you authorize to act on your behalf may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you are an authorized agent making a request on behalf of an individual, we will also need to verify your identity, which may require proof of your written authorization or evidence of a power of attorney.  

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with any personal information if we cannot verify your identity or if we determine that you do not have the authority to make the request or confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. To verify a consumer request, we’ll only use personal information previously provided to us to verify the requestor's identity and authority to make the request.

Response Timing and Format
We try to respond to a verifiable consumer request within 45 days. If we require more time (up to 90 days), we’ll inform you of the reason and extension period in writing. If you have an account with us, we’ll deliver our written response to the address on record for that account. If you do not have an account with us, we’ll deliver our written response by mail or electronically. Any disclosures we provide will only cover the 12-month period preceding receipt of the verifiable consumer request. The response we provide will also explain the reasons why we can’t comply with a request, if applicable, and instructions on how to appeal the decision. For data portability requests, we’ll select a format to provide your personal information that is secure and readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Generally, we don’t charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine the request warrants a fee, we’ll tell you why that decision was made and provide you with a cost estimate before completing your request.

Non-Discrimination
We won’t discriminate against you for exercising your rights. Unless permitted, we won’t do any of the following solely because you exercised your rights:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Sensitive Personal Information
Where we collect sensitive personal information about you, we will only do so to perform a contracted service.

PRIVACY STATEMENT – UTAH
This PRIVACY NOTICE FOR UTAH RESIDENTS supplements the information contained in the Ascensus Privacy Policy and applies solely to those who reside in the State of Utah (“you”). Ascensus Group, LLC, and its affiliated companies (“Ascensus,” “we,” or “us”) adopt this notice to comply with the Utah Consumer Privacy Act.

Note that we never sell your personal information. We also do not disclose your personal information unless permitted or required by law or contract.

Information We Collect
We collect personal information in accordance with Section 2 of our Privacy Policy.
We do not sell personal information.

Use of Personal Information
We use personal information in accordance with Section 4 of our Privacy Policy.

We won’t collect additional categories of personal information or use the personal information collected for materially different, unrelated, or incompatible purposes without providing you notice. Notice will be in the form of an update to this Privacy Management Page.

Note that the following information is excluded from the scope of the above state laws:

• Publicly available information from government records (if used for a purpose compatible with the purpose for which the data is maintained and made available in the government records).
• De-identified or aggregated consumer information. De-identified information is information that can’t reasonably identify, relate to, or describe a particular consumer. In other words the information can’t be traced to any particular person. Aggregated information is information about a group of consumers from which individual consumer identities have been removed.
• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) or clinical trial data; and
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), and the Driver's Privacy Protection Act of 1994.

Disclosing Personal Information
We disclose personal information in accordance with Section 5 of our Privacy Policy.

Prior to any such disclosure to any third party, we require an executed contract that describes the specified purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose, except to perform the specific services stated within such contract.

Your Rights and Choices
If you reside in Utah, you have specific rights regarding your personal information. This section describes your privacy rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information. Once we receive and verify your request, we’ll disclose specific information to you as it relates to your account. 

Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. Accordingly, we may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested or that a third party requested on your behalf, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you or the sponsor of your plan or account.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Comply with a legal obligation.
5. Make other internal and lawful uses of that information that are compatible with the context in which you provided the information.

Opt Out of Targeted Advertising
In addition, you have the right to opt out of targeted advertising. You can opt out of targeted advertising by clicking the “Do Not Share My Personal Information” link in our cookie banner.

Exercising Your Rights
To receive access to your personal information or exercise your other rights:

Method 1
To access your personal information, please log into your existing account profile within the applicable secure portal, which enables you to view your account balance and other associated personal details.

Method 2
For general inquiries or requests with respect to your rights, please submit a request to one of the following options:
Phone: 844-981-1392
Email Address: Privacy@ascensus.com
Address: 200 Dryden Road, Suite 4000, Dresher, PA 19025, Attention: Compliance Department

Please note that we’ll need to verify your identity before we can discuss your request any details about your account. Only you or an authorized agent that you authorize to act on your behalf may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you are an authorized agent making a request on behalf of an individual, we will also need to verify your identity, which may require proof of your written authorization or evidence of a power of attorney.  

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with any personal information if we cannot verify your identity or if we determine that you do not have the authority to make the request or confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. To verify a consumer request, we’ll only use personal information previously provided to us to verify the requestor's identity and authority to make the request.

Response Timing and Format
We try to respond to a verifiable consumer request within 45 days. If we require more time (up to 90 days), we’ll inform you of the reason and extension period in writing. If you have an account with us, we’ll deliver our written response to the address on record for that account. If you do not have an account with us, we’ll deliver our written response by mail or electronically. Any disclosures we provide will only cover the 12-month period preceding receipt of the verifiable consumer request. The response we provide will also explain the reasons why we can’t comply with a request, if applicable, and instructions on how to appeal the decision. For data portability requests, we’ll select a format to provide your personal information that is secure and readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Generally, we don’t charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine the request warrants a fee, we’ll tell you why that decision was made and provide you with a cost estimate before completing your request.

Non-Discrimination
We won’t discriminate against you for exercising your rights. Unless permitted, we won’t do any of the following solely because you exercised your rights:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Sensitive Personal Information
Where we collect sensitive personal information about you, we will only do so to perform a contracted service.

PRIVACY STATEMENT – VIRGINIA
This PRIVACY NOTICE FOR VIRGINIA RESIDENTS supplements the information contained in the Ascensus Privacy Policy and applies solely to those who reside in the State of Virginia (“you”). Ascensus Group, LLC, and its affiliated companies (“Ascensus,” “we,” or “us”) adopt this notice to comply with the Virginia Consumer Data Protection Act.

Note that we never sell your personal information. We also do not disclose your personal information unless permitted or required by law or contract.

Information We Collect
We collect personal information in accordance with Section 2 of our Privacy Policy.
We do not sell personal information.

Use of Personal Information
We use personal information in accordance with Section 4 of our Privacy Policy.

We won’t collect additional categories of personal information or use the personal information collected for materially different, unrelated, or incompatible purposes without providing you notice. Notice will be in the form of an update to this Privacy Management Page.

Note that the following information is excluded from the scope of the above state laws:

• Publicly available information from government records (if used for a purpose compatible with the purpose for which the data is maintained and made available in the government records).
• De-identified or aggregated consumer information. De-identified information is information that can’t reasonably identify, relate to, or describe a particular consumer. In other words the information can’t be traced to any particular person. Aggregated information is information about a group of consumers from which individual consumer identities have been removed.
• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) or clinical trial data; and
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), and the Driver's Privacy Protection Act of 1994.

Disclosing Personal Information
We disclose personal information in accordance with Section 5 of our Privacy Policy.

Prior to any such disclosure to any third party, we require an executed contract that describes the specified purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose, except to perform the specific services stated within such contract.

Your Rights and Choices
If you reside in Virginia, you have specific rights regarding your personal information. This section describes your privacy rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information. Once we receive and verify your request, we’ll disclose specific information to you as it relates to your account.

Correction Request Rights
You have the right to request correction of any inaccurate personal information, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll correct (and direct our service providers to correct) your personal information, unless an exception applies. Accordingly, we may deny your correction request if:

1. We cannot verify your identity.
2. We believe a request is fraudulent or abusive.
3. We are not the source of the personal information that you believe is inaccurate. In such cases, we will provide you the name of the source from which received the personal information

Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we’ll delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. Accordingly, we may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested or that a third party requested on your behalf, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you or the sponsor of your plan or account.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Comply with a legal obligation.
5. Make other internal and lawful uses of that information that are compatible with the context in which you provided the information.

Opt Out of Profiling and Targeted Advertising
In addition, you have the right to opt out of targeted advertising and profiling, to the extent that profiling makes decisions that produce legal or similarly significant effects concerning you. To the extent we profile you, we do so in order to meet our legal obligations under applicable financial laws and regulations (i.e., know your customer requirements). You can opt out of targeted advertising by clicking the “Do Not Share My Personal Information” link in our cookie banner.

Exercising Your Rights
To receive access to your personal information or exercise your other rights:

Method 1
To access your personal information, please log into your existing account profile within the applicable secure portal, which enables you to view your account balance and other associated personal details.

Method 2
For general inquiries or requests with respect to your rights, please submit a request to one of the following options:
Phone: 844-981-1392
Email Address: Privacy@ascensus.com
Address: 200 Dryden Road, Suite 4000, Dresher, PA 19025, Attention: Compliance Department

Please note that we’ll need to verify your identity before we can discuss your request any details about your account. Only you or an authorized agent that you authorize to act on your behalf may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you are an authorized agent making a request on behalf of an individual, we will also need to verify your identity, which may require proof of your written authorization or evidence of a power of attorney.  

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with any personal information if we cannot verify your identity or if we determine that you do not have the authority to make the request or confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. To verify a consumer request, we’ll only use personal information previously provided to us to verify the requestor's identity and authority to make the request.

Response Timing and Format
We try to respond to a verifiable consumer request within 45 days. If we require more time (up to 90 days), we’ll inform you of the reason and extension period in writing. If you have an account with us, we’ll deliver our written response to the address on record for that account. If you do not have an account with us, we’ll deliver our written response by mail or electronically. Any disclosures we provide will only cover the 12-month period preceding receipt of the verifiable consumer request. The response we provide will also explain the reasons why we can’t comply with a request, if applicable, and instructions on how to appeal the decision. For data portability requests, we’ll select a format to provide your personal information that is secure and readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Generally, we don’t charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine the request warrants a fee, we’ll tell you why that decision was made and provide you with a cost estimate before completing your request.

Non-Discrimination
We won’t discriminate against you for exercising your rights. Unless permitted, we won’t do any of the following solely because you exercised your rights:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Sensitive Personal Information
Where we collect sensitive personal information about you, we will only do so to perform a contracted service.