Privacy Policy

1. About This Privacy Policy

This privacy policy explains Pension Benefit Information, LLC’s (“PBI,” “our” or “we”) general practices for collecting, using, sharing and protecting personal information. This privacy policy may be supplemented by additional privacy statements, terms or notices as provided on a PBI website or application.

PBI maintains a separate Privacy Notice for California Residents, which applies to individuals residing in California and is available at www.pbinfo.com/ca-privacy-policy/.

PBI’s website and services are not intended for residents outside of the United States.

2. Collecting Personal Information

PBI may collect information about individuals:

  • Directly from the individual, including by phone, mail or internet forms, or in-person contact;
  • Indirectly from use of PBI’s services, websites, or applications;
  • From another company within our family of companies; and
  • From third parties, such as PBI clients.

PBI may collect the following categories of personal information about individuals:

  • Contact details, such as name, email address, postal address and phone number;
  • Account login credentials, such as usernames and passwords;
  • Payment information, such as a credit or debit card number;
  • Comments, feedback and other information submitted to our services, websites, and applications;
  • Communication preferences;
  • Computer, device and connection information, such as IP address, browser type and version, operating system, mobile platform and unique device identifier and other technical identifiers; and
  • Usage data, such as click stream data, including date and time stamp, and referring and exit pages, search terms you used and pages you visited or searched for on our services, websites, and applications.

PBI may use and share information that does not reveal an individual’s identity or permit direct association with any specific individual, such as browser and device information, anonymous usage data and aggregated information, for any purpose, except where we are restricted by law. We may collect this data through our servers and the use of cookies and other technologies. You may control cookies through your browser’s settings and other tools. However, if you block certain cookies, you may not be able to register, login, access certain parts, or make full use of PBI’s services, websites, and applications.

PBI may collect personal information that is subject to certain privacy laws and regulations.

3. Using Personal Information

PBI may use personal information to:

  • Process and fulfill a transaction or order;
  • Provide technical, product and other support and to help keep our services, websites and applications working, safe and secure;
  • Respond to your requests, inquiries, comments and concerns;
  • Provide, evaluate and improve our services, websites, and applications, and to develop new products, services and benefits;
  • Offer you customized content and individualized personalization of our services, websites and applications to make it more relevant to your interests and needs;
  • Notify you about changes or updates to our services, websites, and applications;
  • Provide you with information about our services, websites and applications as well as other products, events and services of ours or our affiliates;
  • Invite you to participate in surveys;
  • Identify usage trends and for data analysis, including for purposes of research, audit, reporting and license fees to third-party providers, such as data providers, or in other ways to which you have expressly agreed in a customer agreement; and
  • Comply with our legal obligations, resolve disputes, and enforce our agreements.

We may match or combine personal information with information that we obtain from other sources or that is already in our records, whether collected online or offline or collected by a predecessor or another company in our family of companies, for the purposes described above.

 4. Sharing Personal Information

PBI may share personal information to process the information for us, based on our instructions and in compliance with this privacy policy and any other appropriate confidentiality and security measures. We may share personal information with:

  • Another company in our family of companies;
  • Our service providers, suppliers, contractors, agents and representatives;
  • Our clients pursuant to servicing or licensing agreements; and
  • An individual’s business entity sponsor, if the individual accesses PBI’s services, websites or applications under an entity’s agreement (for example, a company, corporation, nonprofit, partnership, bank or other business entity).

PBI may also share personal information:

  • To (i) meet any applicable law, regulation, legal process or other legal obligation; (ii) detect, investigate and help prevent security, fraud or technical issues; (iii) enforce and protect our rights and properties; or (iv) protect the rights, property or safety of our users, employees and others; or
  • If PBI or our services, websites or applications, or a related asset or line of business is acquired by, transferred to or merged with another company.

5. Updating Personal Information

You may request correction of your personal information held by PBI. To protect your privacy and security, we may require you to verify your identity.

If you request to deactivate your account or delete your personal information, we will endeavor to fulfill your request in accordance with our policies, but some personal information may be retained in backup copies for a certain period of time and as necessary for legitimate business purposes or to comply with our legal obligations, resolve disputes and enforce our agreements.

Access to personal information that PBI gathers from certain sources is subject to applicable laws and our data sharing policy.

6. Children’s Privacy

We do not knowingly collect information from children under the age of 13 or target our services, websites and applications to children under 13.  If it comes to our attention that we have collected personal data from children under the age of 13, we may delete this information without notice. If you have reason to believe that PBI has collected information from children under the age of 13, please contact PBI at 415-482-9611 or email help@pbinfo.com.

 7. Data Security

PBI recognizes the importance of protecting personal information. We use a variety of administrative, physical and technical security measures intended to safeguard your personal information.

 8. Changes

PBI will notify you of changes or updates to our services, websites or applications or to this privacy policy whenever necessary, in PBI’s discretion, through email, invoice announcements, the functionality of our services, websites or applications, or by updating PBI websites or applications.  If you have an account with PBI, we may notify you through such account. Any changes to this privacy policy will be posted on this page with an updated revision date. Your continued use of PBI’s services, websites and applications following the posting of changes constitutes your acceptance of such changes.

9. Contact Us

If you have any questions, comments or requests regarding this privacy policy or our processing of your information, please contact PBI at 415-482-9611 or email help@pbinfo.com.

If you use assistive technology (such as a Braille reader, a screen reader, TTY, etc.) and the format of this privacy policy interferes with your ability to access this privacy policy, contact PBI for assistance. Please indicate the nature of your accessibility problem, the preferred format you would like to receive this privacy policy, and your contact information so that we may respond in a manner most helpful to you.

Last Revision: 4/10/2023

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