Privacy Policy

Save For America School Savings collects certain personal information during (1) participant registrations, (2) banking, (3) contests or sweepstakes registration, (4) subscription purchases, and (5) making submissions or suggestions.

If applicable, Save For America School Savings obtains the participant's name, email address, date of birth, household address, telephone number, financial institution, savings account number, grade, teacher, graduation date and deposit amount.

Save For America School Savings requests and uses only that personal information necessary to process program inquiries, enrollment and transactions; facilitate user participation in contests, sweepstakes or subscription services; and enable participants to make submissions or suggestions.

Save For America School Savings may, from time to time, send participants email updates about its programming, events, activities and program updates. However, unless it receives prior written consent that documents the approval of the participant, or for participants under the age of thirteen (13), the approval of a parent or legal guardian, Save For America School Savings will not use the personal information of any participant to market or promote its services to the general public.

With respect to cookies (defined and discussed below in the Section entitled "Using Anonymous Information (Cookies)"), Save For America School Savings may use cookies to identify specific users where a user registers for a contest, in particular, where a cookie allows the participant to enter an on-going contest every day without registering each time. Otherwise, Save For America School Savings does not use cookies to identify specific participants.

Contests: Although participants under the age of thirteen (13) are allowed to participate in contests, if such participant wins, notification and prizes are sent to a Coordinator, Volunteer, parent or legal guardian identified in the initial registration process.

If a Participant Sends Email: Participants are free to send email to provide editorial comments and useful feedback. Although Save For America School Savings utilizes a user's return email address to reply to emails, Save For America School Savings does not store or use this email address for any other purpose.

Interactive Activities: Save For America School Savings participants may have the opportunity to participate in several interactive online activities, including community postings, voting, chat, games and electronic bulletin boards.

Participants should keep in mind that whenever personal information is given out online, for example, via message boards or chat, that information could be collected and used by people you don't know. While Save For America School Savings protects its participants' personal information and privacy, it cannot guarantee the security of any information disclosed by the participant online and the participant does so at his or her own risk. However, if Save For America School Savings collects personal information from its participants, it does so using Secure Socket Layer ("SSL") encryption to minimize the risk of an unauthorized dissemination of personal information.

When Save For America School Savings Must Legally Disclose Personal Information: Save For America School Savings may be compelled to disclose a participant's personal information to others without first receiving the participant's consent, or his or her parent's consent, in the following circumstances: (1) Save For America School Savings is legally ordered to do so or is compelled to do so by subpoena; (2) The participant violates or breaches any agreement with Save For America School Savings; (3) Save For America School Savings believes a participant's actions will harm the property or rights of Save For America School Savings, or the property or rights of other participants; and (4) Under exigent circumstances to protect the physical safety of Save For America School Savings employees and participants, as well as the general public.

Except for any other purpose that may be stated expressly in this Privacy Statement, Save For America School Savings will not use the personal information of its participants for any purpose whatsoever.

In general, unless otherwise disclosed during collection, Save For America School Savings does not provide any personal information, regardless of its source, to any third party for any purpose whatsoever. However, the following may have access to the personal information of Save For America School Savings participants:

• Save For America School Savings: Save For America School Savings provides access to the personal information of its participants only to those employees who need such access in order to complete their jobs. As a condition to their employment, Save For America School Savings employees execute and are subject to comprehensive nondisclosure agreements with Save For America School Savings. Save For America School Savings employees also execute a written agreement to abide by Save For America School Savings privacy policies and procedures regarding participant information.
• IFSG, Inc.: IFSG, Inc. is the electronic data processor and technology partner of Save For America School Savings. IFSG, Inc. has access to the personal information of Save For America School Savings participants only for program management, account maintenance and data processing.
• School Volunteers: If a volunteer registers a Save For America School Savings participant, the volunteer will have a one-time access to said participant's registration information (except the participant's account number). Following the registration of a Save For America School Savings participant, only the child's name, grade, teacher and deposit amounts will be visible to the volunteers who assist participants in completing banking transactions.
• Participating Financial Institutions: If a Save For America School Savings Partner Financial Institution is the depository institution at which a participant's account is held, the institution may have access to the personal information of applicable Save For America School Savings participants for program management, account maintenance and data processing. Separate and apart from the provisions of this Privacy Statement, a Save For America School Savings Partner Financial Institution may also have its own privacy policies with respect to its accounts. As such, Save For America School Savings encourages its participants to review these privacy policies, if any.

Save For America School Savings believes its participants should have control of their personal information. As such, Save For America School Savings participants, including parents or legal guardians, can review, correct, change or remove their personal information and elect not to receive future communications from Save For America School Savings.

To protect the privacy and security of its participants, Save For America School Savings takes steps to verify the identity of a participant or a participant's parent or legal guardian before granting user account access to them. Only the user, or a parent or legal guardian of a participant can access and modify any personal information of a participant.

Participants may initially provide their personal information by registering with a school volunteer, so long as the participant provides the school volunteer a completed parental consent form (found in Save For America School Savings initial parent consent brochures). Alternatively, an authorized user or a participant's parent or legal guardian may provide Save For America School Savings with a participant's personal information directly by online registration.

Note that before a participant account can be activated, a parent or legal guardian must tender to Save For America School Savings a participation fee or, the account holder's depository institution or school must provide funding for participants.

Once a participant account is activated, a parent or legal guardian may obtain a password to access the user account and may thereafter modify a user's personal information on file with Save For America School Savings. If a parent or legal guardian registered a user online, a unique password would have been generated and conveyed on-screen to the parent or legal guardian. Save For America School Savings encourages parents and legal guardians to keep user account password in a safe place. If a parent or legal guardian loses the user account password, the parent or legal guardian must retrieve their password via e-mail by providing certain original registration information. Save For America School Savings reserves the right to require a parent or legal guardian to provide certain identifying information before re-setting a user account password, and may ask for the answer to a challenge question, all to insure the identity of a user, or a user's parent or legal guardian.

Save For America School Savings gives Participants the opportunity to customize their experience. Save For America School Savings enables each participant to choose their desired set of services or features.

If a participant wishes to opt out of a particular service, the participant, or a participant's parent or legal guardian, should notify Save For America School Savings of his or her opt out. If a participant chooses to opt out of the entire Save For America School Savings program, the participant, or the participant's parent or legal guardian, may contact their depository institution and request that their Save For America School Savings account be closed, or if the participant or participant's parent or legal guardian possesses direct online access to the user's account, they may close the account online.

What are Cookies? Cookies are pieces of information that a website transfers to an individual's hard drive for record-keeping purposes. Cookies make Internet usage easier for users by saving passwords, purchases and preferences while visiting a website. As most people are aware, cookies are used at most major websites.

By showing how and when guests use a website, cookies help Save For America School Savings see which areas are popular and which are not. Many improvements and updates to the website are based on such data as total number of visitors and pages viewed. This information is most easily tracked with cookies. If the user accepts the first tracking cookie from saveforamerica.org, then the user will not be offered as many afterward.

Policy on Cookies: Save For America School Savings may use cookies to keep count of a user's visits to the saveforamerica.org, schoolsavings.com, websites or other subsites owned or operated by Save For America School Savings, as well as accumulate anonymous, statistical information about website usage. Save For America School Savings never uses cookies to retrieve information from a user's computer that was not originally sent in a cookie. Except as described in the Section entitled "How Save For America School Savings Uses Personal Information," Save For America School Savings does not use information transferred through cookies to identify specific users. Further, Save For America School Savings does not use cookies for any promotional or marketing purposes, nor are cookies used to share personal information with any third party.

Under the supervision of our Privacy Officer, Save For America School Savings maintains the following electronic, physical and procedural safeguards to protect the personal information of its participants:

• Save For America School Savings requires each user to have a user name and password in order to access personal information.
• User name and passwords are assigned only to users authorized to participate in Save For America School Savings.
• Save For America School Savings utilizes SSL technologies to encrypt customer transactions.
• Save For America School Savings maintains the physical security of our servers and other repositories of personal information about its participants.
• Save For America School Savings employees (and authorized contractors) have or receive training in the technologies and procedures with respect to the administration of the appropriate security protocols; the detection of any improper dissemination or attempted dissemination of personal information of customers; and the implementation of measures to protect the personal information of participants should there be a security breach or failure.
• Once a participant's personal information is no longer necessary for the fulfillment of the purpose for which it was collected, Save For America School Savings has procedures in place to insure the secure destruction of such information.
• Save For America School Savings utilizes security measures that meet the guidelines and regulations of the Federal Reserve Banks and have been tested and approved by a third party security assessment service.

By using any Save For America School Savings website, the user signifies his or her agreement to the policies contained in this Privacy Statement. If the participant is under the age of thirteen (13), Save For America School Savings is required to obtain the verified consent of a participant's parent or legal guardian. 

If the participant (or their parent or legal guardian if applicable) does not agree with the privacy policies contained in this Privacy Statement, the participant should refrain from using Save For America School Savings websites.

The participant, as well as the participant's parent(s) or legal guardian(s), is initially provided information about the way personal information is collected, used or disclosed through Save For America School Savings' personal information disclosures contained in the initial parental consent brochures provided to participants, parents or legal guardians. If a parent or legal guardian registers a participant online, the opportunity to review such information online is provided during the registration process.

If Save For America School Savings makes any material change in the way the personal information of a participant is collected, used or disclosed, we notify said participant (if the participant is under the age of thirteen (13), then the participant's parents or legal guardian as well) by email (if available), and then by regular mail notice to the applicable depositary institution(s) and/or participating school(s).

If a participant, or parent or legal guardian of a participant, has any questions or concerns about anything contained in this Privacy Statement, Save For America School Savings' online practices or any other questions or concerns about Save For America School Savings websites, please contact Save For America School Savings