Table of Contents
What information we collect about you
What information we collect about you
We may collect personal information from and about our users, as well as information about users and their visits to the Websites. We do not knowingly collect any information from children under the age of 13.
When using certain areas of the Websites, you may be asked to provide or otherwise choose to provide personal information. We may collect personal information via the Websites through certain of users’ activities, transactions, and completion of online forms on the Websites, for example, when users register for accounts or other features (such as our online courses or scholarships), complete surveys, submit a comment to one of our blogs, submit a question using an “ask us” or similar feature, send us an e-mail, submit information through the employer self-service system, or in any other way submit personal information to us via our Websites. We consider “personal information” to include, for example, contact information (such as name, postal address, e-mail address and telephone number), social security number, date of birth, demographic information and other information that may identify you as an individual or allow contact with you as an individual.
Phone Number for Texts: If you subscribe to our text message program, you will receive text messages from us about benefits and programs. Your carrier’s normal messaging, data, and other rates and fees will apply to these communications. If you elect to receive text messages, the following terms apply:
By subscribing to our updates, you consent to receive periodic updates by automatic text message. Text STOP to stop. For Help, text HELP or contact us at email@example.com. Message and data rates may apply. Neither we nor the participating carriers guarantee that messages will be delivered. We may discontinue the program at any time.
Web Usage Information:
Our servers collect the browser type and IP address of all visitors to our Websites. Our servers may also record the referring page that linked users to the Websites (e.g., another Web site or a search engine); the pages users visit on our Websites; the Web site users visit after leaving our Websites; other information about the type of Web browser, computer, platform, related software and settings users and their computers are using; any search terms users have entered on our Websites or a referral site; and other Web usage activity and data logged by our Web servers. This “clickstream” data may be combined with other information about our users, including personal information.
In addition, we currently use Google Analytics to track traffic to, from, and around our Websites, and we use the data gathered through this service (such as what time the current visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page) for various purposes, including to improve our Websites and our users’ experience with them. Google Analytics collects information anonymously, and reports to us website trends without identifying individual visitors. To find out more about how information about your visits to the Websites may be collected and analyzed through the Google Analytics tools, visit https://termly.io/resources/articles/google-analytics-privacy-policy/#what-is-google-analytics-and-how-does-it-collect-data. Depending on the type of Web browser you have, you may be able to opt-out of having certain of your web usage information sent to Google Analytics by visiting http://tools.google.com/dlpage/gaoptout?hl=en.
Information Obtained from Third Parties: We may supplement the information obtained from or about our users via the Websites with information that we receive or otherwise obtain from third parties, including both personal information and web usage information.
How we use your information
Personal information: We will use your personal information for various purposes, including, for example, to respond to your requests, answer your questions, and to provide you with our services and features. We may also use your personal information to maintain our internal record keeping and administer the Websites. We may match information collected from you through different means or at different times, including both personal information and web usage information, and use such information along with information obtained from other sources, including third parties. We may use your information to carry out any other purpose described to you at the time the information was collected.
In addition, we may send you notices (for example, in the form of e-mails, mailings, and the like), and otherwise correspond with you, about our Websites, about your inquiries or about your accounts, benefits, plans, and programs in which you may be participating.
Web Usage Information: We use web usage information for various purposes. For example, cookies and other tracking technologies may enable us to relate your use of the Websites to other information about you, including your personal information. Additionally, we use web usage information for internal system administration, to help diagnose problems with our servers, to analyze this information to increase the functionality and user-friendliness of the Websites, to better tailor the Websites to our users’ needs, and to otherwise operate and administer the Websites. Such information may also be used to gather broad demographic information, such as country of origin and Internet Service Provider. We may also link this web usage information with personal information.
How we may share your information with third parties
We share users’ information collected via the Websites with the following types of entities and in the following ways.
Service Providers: We may provide users’ information to our third-party representatives and service providers such as server hosts, data management companies, address list hosting companies, e-mail service providers, analytics companies, distribution companies, payment processing companies, fulfillment companies, and payment processors (collectively, “Service Providers”), who may use such information on our behalf to facilitate the operation of the Websites and programs.
Your Union: We periodically share account and profile information with your union.
Public Forums: When you contribute to a public area or feature of our Websites, such as a blog or other communication or community tool or area, the information that you submit or post will be made available to the general public. For this reason, we recommend that you do not submit in these areas of the Websites any sensitive personal information, such as any financial information or any information that would enable other users to locate you.
Legal Disclosures: We may disclose user information to government authorities, and to other third parties when compelled to do so by government authorities, at our discretion, or otherwise as required or permitted by law, including, but not limited to, in response to court orders and subpoenas. We also may disclose user information when we have reason to believe that someone is causing injury to or interference with our rights or property, other users of the Websites, or anyone else that could be harmed by such activities.
Website Usage and other Non-Personally Identifiable Information: We may disclose web usage information and other non-personally identifiable information regarding our users and their behavior as a measure of interest in, and use of, our Websites to third parties, including, for example, aggregate data, such as overall patterns or demographic reports that do not describe or identify any individual user.
It is important to note that your choice to stop targeted advertising is specific to the browser you are using. If you make a choice to opt-out from one computer and/or browser and you want your opt-out to apply to a different computer and/or browser, you must also opt-out from that computer. It is also important to note that most of these choices are cookie-based. If you delete cookies after making an opt-out choice, you will need to perform the opt-out again.
Data Location: You must consent before we collect the precise location of your mobile device. If you have previously consented, you can revoke that consent at any time through your device’s operating system location preference controls.
Do Not Track Signals: We do not currently process or respond to “Do Not Track” signals from your browser. For information about Do Not Track, please visit: https://allaboutdnt.com.
Corporate Change of Control: In the event we, or a significant portion of our assets, are acquired by or transferred to one or more third parties as a result of an acquisition, merger, sale, reorganization, consolidation, bankruptcy, or liquidation, personal information and other types of user information may be amongst the transferred assets.
Links to Other Websites
Information Not Collected or Shared: We do not collect full credit card numbers on our Websites. No sales take place directly on our Website, but we link to sites where financial transactions and specific program account information is available.
We use commercially reasonable security measures and take certain security measures to help protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of data. These measures include internal reviews of our data collection, storage, and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal information.
While we endeavor to protect the security and integrity of the personal information provided by our users via the Websites, complete security is not always possible. Due to the inherent nature of the Internet as an open global communications vehicle, we cannot guarantee that information, during transmission through the Internet or while stored on our systems or otherwise in our care, will be absolutely safe from unauthorized access or use.
It is important to remember that you too play a role in the security of your information. You are responsible for maintaining the confidentiality of your personal information, including any passwords. Please notify us immediately if you learn of any unauthorized use of your password or account, or any other breach of security.
In the unlikely event that we believe that the security of any user’s personal information in our possession or control may have been compromised, we may seek to notify such user of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address and if permitted under applicable laws, we may notify you by e-mail.
Accessing and changing information
You may access and update the personal information you have provided to us via the Websites by visiting the Profile and Settings, Demographics or Information Update areas of the Websites.
Email and Text: Any user who receives our emails can unsubscribe using the unsubscribe link provided in every email we send. If you subscribe to our text message program, you can unsubscribe by texting STOP.
Applicability of United States Law and Consent to Processing
The Funds are based in the United States, are directed to United States residents, and processes and stores information in the United States. By providing personal information to the Websites, you consent to the collection, maintenance, processing, and transfer of such information in and to the United States and other countries and territories, pursuant to the laws of the United States, which may provide lesser privacy protections than the laws of other countries.