We take the issue of privacy very seriously. Visitors to this Web site can be assured that information they share on this Web site will receive the security, privacy and confidentiality that would be expected from a company providing these administration services.

This Privacy Statement provides information about what type of information is gathered and tracked on the Web site, how the information is used, and with whom the information is shared. By visiting this Web site, and/or using the services offered on or through this Web site, you agree to the terms of this Privacy Policy as they may be amended from time to time. As we update and expand our services, this Privacy Policy may change, so check back to this page from time to time. This Privacy Policy is incorporated into, and part of, the Terms of Use, which govern your use of this Web site. A link to the Terms of Use is located at the bottom of each screen on this Web site.

In general: Unless you provide personally identifiable information to us voluntarily, the information is provided by your employer, or the information is collected by means of "cookies" in the manner described in this Privacy Statement, ACS does not collect information about you in connection with your use of this Web site. The personally identifiable information that we may have and which enables us to provide our services to you includes, for example, your name and contact information, financial account information and transactional activity, and other employee benefit information and activity.

"Contact Us" requests about our products and services: Through use of "Contact Us", visitors are invited to electronically send inquiries to ACS. ACS may retain copies of these messages. The information provided by a visitor will only be used to respond to the visitor's inquiry and to provide better customer service. ACS posts responses to visitor inquiries to the visitor's personal Web site Inbox.

Transactional Services: You may perform transactions at this Web site utilizing our services. In order to protect the security and confidentiality of information provided through these services, we require that users have a browser that supports 128-bit "strong" encryption.

Use of "cookies": A "cookie" is a small piece of information about an Internet session that may be created and placed on a visitor’s personal computer when a visitor accesses a Web site. We use cookies to facilitate easier navigation within the Web site, to provide a higher level of convenience for the visitor, and for administrative purposes. We do not use cookies for any other purposes. This information is not shared with any other party for any commercial purposes. You can set your browser (e.g. Microsoft Internet Explorer) to notify you when a Web site attempts to send a cookie. The browser will allow you to decide whether or not to accept the cookie. If you choose to disable cookies in your browser, you may not be able to take advantage of all the features of this, or other Web sites. Additionally, your Flash player can be set to reject or delete Flash cookies.

We respect your right to privacy. Any sensitive or confidential information you provide to us via this Web site is kept confidential. We have also implemented security measures to protect against the loss, misuse or alteration of information stored in our systems. We will only use the information collected from visitors to this Web site to address the specific inquiries or requests of those visitors, and to provide better customer service. The information collected also is used to provide a record of communications between us and our Web site visitors, and to comply with any applicable legal and/or regulatory requirements. In certain circumstances, the information you provide may also be available to your employer or plan administrator to the extent required for benefits administration.

Affiliates and service providers: Our subsidiaries and affiliates and our parent, as well as non-affiliated service providers that assist us in meeting the needs of our customers, may under certain circumstances receive personal information received from your employer or collected from you as a Web site visitor. Such information is disclosed only to respond to your inquiries or requests and to provide you with information about other financial products and services offered. Personal information will be treated by these entities with the same standards of privacy and confidentiality that we use.

Other Third parties: We do not transmit any personal information collected through our Web site to any third party marketers.

Legal Issues: From time to time, we may be required to provide personal information in response to a court order, subpoena, government investigation, or as otherwise required by law. We also reserve the right to report to law enforcement agencies any activities that we, in good faith, believe to be unlawful. We may disclose your personal information to government authorities at our discretion. We may release certain personal information when we believe that such release is reasonably necessary to protect the rights, property, and safety of others or ourselves.

Business Transfer: In the event that substantially all of our assets are acquired by one or more third parties as a result of a merger, sale, consolidation or liquidation, your personal information may be among the transferred assets.

This Web site may contain links to third party sites that you may find useful. Once you leave this Web site, we do not receive any of your information. Except to the extent required to provide services that you request, we do not provide any of your information to a third party web site. These third party sites may have their own privacy policies. You should review the privacy policy of any Web site before you provide personal or confidential information. We are not responsible for the content of these other sites or any business you transact or information you share with them.

We reserve the right to change or update this Privacy Policy at any time, and will notify users of this Web site by posting such changed or updated Privacy Policy on this page. Any changes or updates will be effective immediately upon posting to this Web site.