1. Our Commitment to Privacy
Your privacy is very important to eMoney Advisor (“our”, “we”, and/or “us”).
Because we collect certain types of information about the users of our online software applications
(the “Applications”), we believe you should fully understand the conditions of our collection
we collect, how we use it, and how to correct or change it. By using the Applications, you consent
The security precautions we have implemented to protect information we collect;
The types of personal information we collect and how we use it;
How we disclose the information we collect;
How to correct and/or change the information we collect;
Use of de-identified and aggregated data;
Use of “cookies”;
Links to third party web sites; and
2. Security Precautions
We employ various measures to secure your personally identifiable information and financial information.
When you or your advisor send information to us via the Applications, communication is encrypted (for
further details on such encryption, see our Security Information document). E-mails sent to us are not
secure and we make no representation that any data contained in an e-mail sent to us will be secure.
Thus, if your communication contains sensitive or confidential information or financial information,
restrict access to customer data to those employees who need to know that information to provide
products or services to you.
3. Personal Information Collected
We collect a very limited amount of personally identifiable information about you via your use of the
Applications. At this time, we only collect directly your email address, a response to a security
question, as well as necessary account information and login credentials for use with the account
aggregation function. However, your advisor collects extensive information from you concerning you,
your family and your finances. The data collected includes, but is not limited to, name, address, phone
number and information required to calculate a net worth statement. This data is normally entered by the
advisor into and stored in the Applications and used by your advisor to generate financial, retirement
and estate plans.
4. Use and Disclosure of Your Personal Information
We use collected information for many purposes, including, but not limited to, providing you the
Applications, administering and improving the Applications, verification processing, diagnosing
problems with our systems, developing new ideas and services, and communicating with you. We do not
disclose or share the information that we collect from you or that is otherwise entered into the
Applications concerning you except: (1) we make all information stored in the Applications concerning
you accessible to your financial advisor and, if applicable, the financial institution with which he or
she is affiliated and/or your advisor’s alliance partners (as more particularly described in the Terms
of Service); (2) to our vendors (such as hosting providers and the vendor of the account aggregation
service) as necessary to provide our service to you or your advisor; and (3) as necessary to comply with
legally required disclosures such as disclosures made in response to a subpoena. When we disclose your data
to our vendors, it is done under an obligation of confidentiality and we only disclose as much of the
information as is necessary to provide our services to you. You should refer to the privacy policies of
your advisor and their affiliated institutions concerning their use and disclosure of your information.
5. Changing Your Information
With respect to account aggregation information, just log into the Applications and make whatever
changes and deletions you desire to the accounts you have established. All other information can
only be changed or removed through your advisor. Please contact your advisor if you want to change or
remove information concerning you that is stored in the Applications.
6. De-Identified and Aggregated Data
We may, from time to time, collect de-identified data from our users to prepare analyses, reports and other
materials regarding (i) how users use the Applications, (ii) the types and volume of assets managed within
the Applications, and (iii) other matters which may be useful to the financial advisor community. This data
may be aggregated with other users’ data for such purposes. At no time will any of this data contain
personally identifiable information or be used in any way to directly market goods or services to you.
A cookie is a piece of data stored on a user's hard drive containing information about the user. The
Applications uses session cookies containing encrypted or encoded information. Session cookies allow us
to process your online requests. Session cookies also help us to validate who you are after you have logged
into the Applications. Session cookies exist during an online session. Session cookies become invalid when
you completely close your browser software for the session in which they were created if the browser is configured to do so.
8. Do Not Track
Because there is not yet a consensus on how companies should respond to web browser-based do-not-track (DNT)
mechanisms, we do not respond to any browser-based DNT signals.
9. Other Web Sites
The Applications may contain links to third party web sites and include embedded videos that are hosted by
such third parties. We are not responsible for the privacy practices or the content of these other web sites.
These third parties may use web measurement and customization technologies (such as cookies) in conjunction
with the provision of this content or functionality. If you use a link to another web site or view an embedded
video, you should consult the privacy notice for the site you visit. We have no control over the information
that is submitted to, or collected by, other web sites and we are not responsible for the content of any linked
site or any link contained in a linked site, or any changes or updates to such sites, or any embedded video.
This privacy statement applies solely to information collected by us or otherwise stored in the Applications.
We process and store information on behalf of our customers. If you would like to opt out of getting
communications from eMoney please contact us at email@example.com or follow the unsubscribe
instructions included in each marketing email. Requests to opt-out of transfers to our third-party vendors
will also be considered, but limitations on data sharing may make it difficult or impossible to provide the
Site in this manner.
Under California Civil Code sections 1798.83 and 1798.84, California residents are entitled to ask us for a
notice describing what categories of personally identifiable information we share with third parties or
affiliates for their own direct marketing purposes during the previous calendar year. eMoney does not share
personally identifiable information with unrelated third parties for their own direct marketing purposes.
If you would like a copy of this notice, please refer to the "Contact Us" section at the end of this Policy
for appropriate contact information. In your request, please specify that you want a "California Privacy
12. Business Transactions
to the use of the Applications, including any personally identifiable information, to any person or entity that
acquires all or substantially all of our business, equity interests or assets, or is merged with us.
13. Contact Us
LLC, Four Radnor Corporate Center, Suite 300, 100 Matsonford Road, Radnor, PA 19087; Attn: Privacy Officer.
The results generated by the eMoney interactive analysis tool are hypothetical and based on the information provided by you. The Monte Carlo simulation that may be part of this presentation seeks to approximate actual investment market volatility by adding random investment returns. The result of introducing random investment volatility to the analysis produces a range of values that demonstrates how changing investment markets may impact your future plans. The Monte Carlo simulation uses randomly selected return and volatility data of market indexes and applies cash flow and tax calculations based on the facts and assumptions you have provided to produce a trial run. The market indexes are assigned to investment accounts and portfolios to represent component asset classes. In each trial run, a rate of return is generated for each asset class using the mean and standard deviation of the market index in the randomly chosen year. Up to 1000 trial runs are calculated resulting in a range of values that is further analyzed to produce a statistical probability for your planning strategies. The Worst-Case scenario represents the worst 80% of all projections and the Likely Case scenario represents the middle 60% of all projections. Carefully consider the high, low, and average values in terms of how comfortable you would be with those results. Keep in mind it is impossible to predict future investment results and this analysis should be monitored over time. IMPORTANT: The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. Other investment not considered might have characteristics similar or superior to those analyzed in this report.