401kSignal Privacy Policy

Introduction

401kSignal, Inc. ("401kSignal," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you provide when using our services. This Privacy Policy explains how we collect, use, disclose, and protect your information when you interact with our website, applications, and services, including our market signal service designed to help 401(k) holders make more informed decisions about their retirement savings.

By using our services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with this policy, please do not use our services.

Information We Collect

We collect information to provide and improve our services. The types of information we collect include:

Personal Information

When you sign up for our waitlist, create an account, request information, or otherwise use our services, we may collect:

• First and last name
• Email address
• Phone number, including for SMS alerts if you choose to opt in
• Years until retirement, risk preferences, or similar profile information used to personalize your experience
• Information about the funds, allocations, or other investment-related details you choose to provide in connection with your 401(k) plan
• Any other information you voluntarily provide when using our services

Usage Information

We may automatically collect certain information when you use our services, such as:

• IP address
• Browser type and version
• Device type and operating system
• Pages viewed and time spent on our website
• Referring website or source
• Interaction with our website, applications, and features

How We Use Your Information

We may use the information we collect for the following purposes:

• To provide, operate, and maintain our services
• To deliver market alerts, signal-related notifications, and other service features you request
• To personalize your experience based on information you provide
• To communicate with you about your account, updates, support requests, and service-related notices
• To improve our products, services, and user experience
• To analyze usage patterns and optimize our platform
• To maintain the security and integrity of our systems
• To detect, prevent, or investigate fraud, abuse, or other harmful activity
• To comply with legal obligations and enforce our terms and policies

SMS Communications

If you provide your phone number and explicitly opt in, you may receive SMS messages from 401kSignal related to market alerts, account verification, and service notifications. For complete details about our SMS program, including message frequency, opt-out instructions, and your rights, please review our SMS Terms & Conditions.

No sharing of SMS consent data: Text messaging originator opt-in data, consent, and related phone number information will not be shared with any third parties or affiliates for marketing or promotional purposes.

Consent is optional: Consent to receive SMS messages is not required as a condition of purchasing any goods or services or using 401kSignal's core services.

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• Service providers: We may share information with trusted third-party service providers who assist us in operating our services, such as hosting providers, analytics providers, security vendors, customer support tools, email delivery providers, and messaging service providers acting on our behalf. These providers are contractually or otherwise legally obligated to protect your information and use it only for the services they provide to us.
• Legal requirements: We may disclose your information if required by law, court order, subpoena, or government regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfers: In the event of a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction, subject to applicable law.
• With your consent: We may share your information for other purposes with your explicit consent.

Data Security

We take the security of your personal information seriously and implement reasonable technical and organizational measures designed to protect it from unauthorized access, disclosure, alteration, or destruction. These measures may include:

• Encryption of data in transit and, where appropriate, at rest
• Secure server and cloud infrastructure
• Access controls designed to limit access to personal information
• Logging, monitoring, and periodic security reviews

However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information for as long as reasonably necessary to provide our services, fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, enforce our agreements, and support legitimate business needs. When information is no longer needed, we will delete, anonymize, or securely dispose of it as appropriate.

Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information, including the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information, subject to legal exceptions
• Opt out of marketing communications or SMS messages at any time
• Request a copy of your information in a portable format where applicable

To exercise any of these rights, contact us at support@401ksignal.com.

Cookies and Tracking Technologies

We may use cookies and similar technologies to enhance your experience, analyze usage, remember preferences, and improve our services. You can control cookie settings through your browser. Disabling cookies may affect certain functionality.

Third-Party Links

Our website or services may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing personal information.

Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will take reasonable steps to delete it.

California Privacy Rights

If you are a California resident, you may have additional rights under applicable California privacy laws, including rights related to access, deletion, and correction of personal information. As stated above, we do not sell your personal information. To exercise applicable rights, contact us at support@401ksignal.com.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of the services after any changes become effective indicates your acceptance of the revised Privacy Policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at: