Privacy Policy

Todays Pension ("we," "our," or "us") is committed to protecting the privacy of our clients and their employees. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our retirement plan data processing and administration services.

Information We Collect

Information You Provide

We collect information that you provide directly to us, including:

Contact information such as name, email address, phone number, and company name. Employee and plan participant data including names, Social Security numbers, dates of birth, employment dates, compensation information, and contribution amounts. Retirement plan information including plan documents, provider relationships, and file format specifications. Account credentials for accessing our platform.

Information Collected Automatically

When you access our platform, we automatically collect usage data including IP address, browser type, operating system, pages viewed, and actions taken within our platform. We also collect log data such as access times, error logs, and system performance metrics.

How We Use Your Information

We use the information we collect to:

Provide, maintain, and improve our services. Process and transform retirement plan data according to your specifications. Deliver files to retirement plan providers on your behalf. Administer participant accounts for TPA services. Ensure compliance with ERISA and other regulatory requirements. Communicate with you about your account and our services. Detect, prevent, and address technical issues or security threats. Comply with legal obligations and protect our legal rights.

Information Sharing

We share information only as necessary to provide our services:

With retirement plan providers to deliver remittance files and process transactions as directed by you. With service providers who assist us in operating our platform, subject to confidentiality obligations. With regulatory authorities or legal processes when required by law or to protect our rights. We do not sell personal information to third parties. We do not share personal information for marketing purposes unrelated to our services.

Data Security

We implement appropriate technical and organizational measures to protect your information, including encryption of data at rest and in transit using industry-standard protocols. Multi-factor authentication for platform access. Role-based access controls limiting data access to authorized personnel. Regular security assessments and penetration testing. Secure data centers with physical access controls. Employee security training and background checks. We are pursuing SOC 2 Type II certification to demonstrate our commitment to security best practices.

Data Retention

We retain data in accordance with ERISA record-keeping requirements, which generally require retention for at least six years after the filing date of required documents. Upon termination of services, we will return or securely delete your data according to your instructions, subject to legal retention requirements.

Your Rights

Depending on your jurisdiction, you may have rights regarding your personal information, including the right to access the personal information we hold about you. The right to correct inaccurate information. The right to request deletion of your information, subject to legal retention requirements. The right to data portability. The right to withdraw consent where processing is based on consent. To exercise these rights, please contact us using the information below.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18 except as may be included in retirement plan beneficiary designations provided by plan sponsors.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on our website and updating the "Last updated" date.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at:

Todays Pension

Email: privacy@todayspension.com

Phone: (888) 352-3649