We work hard to protect your personal information and ensure your information is kept private and secure while providing you the requested Content and the Service (see definitions of the Content and the Service in our Terms of Service).
General - Information We Collect and Why
In order to provide a high-quality service, we collect various types of information when you visit through our website and webpages located at secure.usemanifest.com and www.usemanifest.com, or our application via your phone, desktop, or laptop.
We collect various types of anonymous information about visitors to our website, webpages, and/or mobile application, such as device-related information (including browser type and IP address) and server log information (including the date and time of day of your visit, average time spent on our site, browsing activity, and any site that referred you to us). We also collect information that you input into our application, e.g., by beginning the account application process. We use this information to understand our visitors better, facilitate site navigation, provide the services or information you request, and enhance the Content and the Service.
When you choose to create an account with us, we will collect certain personal information from you, including, but not limited to, your full name, date of birth, address, email, phone number, social security number, marital status, citizenship status, investment preferences, retirement account login and related information, and retirement plan information. Reasons for our interest and our collection of such information are primarily to facilitate the seamless transfer of your retirement account(s) between service providers, as well as for communication, identity verification, and providing advice on the proper target account to transfer.
We are required by law and by our operation to collect this information to provide you the Content and the Service. If you do not wish to provide this information, you cannot become our user.
Third Party Information Collection
When you access our Content and use certain Service, we may collect your usernames, passwords, account numbers, and other account information for third-party websites and Internet banking services. We also collect account information from you when you link your accounts through our application. This information is used to obtain your account, transaction, and other banking information from the relevant financial institution on your behalf in order to display the information to you or to fulfill your requests for certain products, services, or transactions through a Service.
Other Ways We Collect Information
Apart from the account opening process and from visitors to the site, we may collect various other types of personal information if you engage with us. We may also collect personal information if you enter it into our live chat program or contact us, or otherwise give it to us (e.g., in an email, phone call, or live chat with a member of our user support team). Further, we may collect information regarding your browsing activity when you visit our websites, webpages, and mobile applications, and actions you take within your account with us while logged in.
Cookies and Pixels
Cookies are small pieces of data that are stored on your computer, mobile phone, or any other device used to access the internet. Pixels are small code blocks on a website that allow another server to measure viewing of a website, webpage, or mobile application and often are used in connection with cookies.
We use these technologies to customize our Content and Service and improve your experience with us. Cookies store anonymous information, such as whether you viewed our Content or utilized our Service from your mobile device. We may store some personal information in a cookie and/or pixel, such as the website that you visited immediately prior to visiting us, and relevant financial information that allows us to enhance your user experience and for marketing purposes. Additionally, we may use a cookie and/or pixel that only stores anonymous information to track visitors across websites or devices to better customize our marketing and advertising campaigns.
Cookies, pixels, and similar technologies may not be required for site functionality. You are not required to accept any cookies or pixels to use this site. However, refusing to accept cookies or pixels will make the use of our Content and Service more cumbersome and less accessible.
We may collect and share your information in order to improve our modeling and perform aggregate reporting, including by use of third-party analytics tools, such as “Google Analytics” (collectively referred to as “Analytics Services”) to collect information about the usage of this site. The Analytics Services collect information about how often users visit this site, what pages they visit when they do so, and what other sites they used before coming to this site, among other information. We use the information we get from these Analytics Services to improve this site.
You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser. You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
How We Use Your Personal Information
We use your personal information to provide financial advice and other financial services; enhance your user experience; improve our products and features; provide user support; open, operate, and maintain your account in accordance with applicable laws and regulations; investigate and understand how our Content and Service are used; monitor and protect the security and integrity of our Content and Service, and better market and advertise our Content and Service. You understand and agree that the Company will compare your identifying information with government-provided lists of suspected terrorists.
As part of this process, we may, from time to time, include, compile, or aggregate some of your personal information in certain data analyses, reports, or other interpretations of investment trends for both internal and external purposes. When including, compiling, or aggregating personal information for such purposes, we make sure that the information is anonymized such that it is not identifiable to any particular user.
Additionally, we may use your personal information to contact you regarding our services, resources, or job openings that we think may be of interest to you. If you no longer wish to receive such marketing communications from us, please click the “unsubscribe” link that can be found at the bottom of each such email message. Please note that if you hold an account with us, you cannot opt-out of certain communications related to the administration of your account.
How We Share Your Information
We do not sell, rent, or trade your personal information with any third parties other than with your consent or as required by law.
In order to provide financial services and in connection with our everyday business purposes and activities, we may share your personal information with third parties who perform services on our behalf. Examples of these third parties and services include consumer identification verification services, public accounting firms, and other professional firms, and certain other vendors and service providers who perform marketing, advertising, research, and analytics services on our behalf. We have entered into agreements that require that these third parties keep this information confidential. We may also disclose your information to other third-party financial institutions.
We may also disclose personal information in response to service of legal process, such as a court order, summons, or subpoena, or as permitted or required by law when we reasonably believe it is necessary or appropriate to investigate, prevent, or take action regarding illegal activities, suspected fraud (including identity theft), front-running or scalping, situations involving potential threats to the physical safety of any person, or suspected violations of our terms of service or agreements. We also may disclose information about you if necessary to determine your eligibility to recover compensation in connection with class action lawsuits.
Furthermore, we may disclose personal information in specific other cases with your consent. If you conduct business with us, we may exchange information we collect with your service providers and other professionals or with others they may authorize.
In order to provide our Content and Service, we may exchange any information received in connection with such Content or Service with the employers, service providers, or other professionals they may authorize. We may also share your information relevant to facilitate the account transfer, advising on the destination account(s), account identity verification, and communication with third-party financial institutions that serve as trustees to 401(k) plans for business and its affiliates.
How Your Personal Information is Protected
We work diligently to protect your personal information. We employ several physical and electronic safeguards to keep your information safe. We use the most popular available browser encryption, store all of our data on servers in secure facilities, and implement systematic processes and procedures for securing and storing data. For example, your transaction data is transmitted securely with encryption from TLS and stored on our servers, where your transaction descriptions are secured with 256-bit AES encryption. We limit access to your personal and financial information to only those Company employees with authorized access who need to know the information in order to perform their jobs.
How You Can Access or Change Your Personal Information That We Have Collected
Due to regulatory requirements, we do not delete residual copies of outdated information and must preserve all user data for a minimum of three (3) years or in accordance with the duration as prescribed by the relevant rules or regulations. If you have any problems, you may also contact us at email@example.com.
Other Important Information
If you are a former user, these policies also apply to you; we treat your information with the same care as we do information about current users.
How We Respond to Do Not Track Signals
Online tracking is the collection of data about an individual’s Internet activity used to deliver targeted advertisements and for other purposes. Users using certain modern browsers have the ability to activate a “Do Not Track” signal.
How You Accept This Policy
Changes to the Policy
Our Service is not directed towards anyone under the age of 18. If a parent or guardian becomes aware that his or her child under the age of 18 has created an account with us and/or provided us with personally identifiable information, please contact us at firstname.lastname@example.org. Additionally, if we become aware at any point that a child under the age of 18 is using our Service, we will terminate their account.
California Consumer Privacy Act (CCPA)
If you are a California resident, you are entitled to learn what data we collect about you and have the right to ask us to delete your data and not to sell or share it. We provide detailed terms on your rights here.
General Data Protection Regulation (GDPR)
If you are a resident of the European Union, you are entitled to certain privacy rights regarding your personal data. We provide detailed terms on your rights here.
If you have any questions, please get in touch with us:
1452 E. 53rd Street
Chicago, IL 60616
Version 1f - December 25, 2021