Privacy & Legal Notice

Privacy & Legal Notice

The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Neither MML Investors Services, MassMutual, or American 401k, nor its employees, or representatives are authorized to give legal or tax advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

We do not collect personal information through our web site unless you willingly provide it to us, either directly by email or in those areas of the web site that request information. We do not disclose any non-public personal information (such as names, records of inquiry, product interest, census information or retirement plan specifications). We do not sell or share your information with any organizations or individuals for any purpose including their intent to market.

We will not disclose your personal information to unaffiliated third parties (except as required for the purposes of a confidential proposal for your Plan).

How We Obtain Information

We obtain nonpublic personal information about our clients and visitors from the following sources:

  • Applications or other forms
  • When you complete a request for a retirement plan design or quote
  • Inquiries through our site
  • A software program on our web site, often referred to as a “cookie,” which indicates which parts of our site you’ve visited.

How We Use Cookies

On this web site, we may use cookies to help us gather information about Site usage to help us improve the content, usability and functionality of this Site. This will help us understand how many new and repeat users visit this Site, which features or pages are most popular, and user browsing and usage patterns. Recognition of your user attributes will help us facilitate your navigation throughout the Site and better serve our visitors.

Use of Information

Information collected may be used to provide you with products and services per your specific interests. Customized quotes and other data are presented confidentially to your attention upon your inquiry. In this process, information may be shared with non affiliated third parties (such as a record keeping company) in required instances and as permitted by law. Required instances would include a third party servicing and processing of transactions. When we share personal information about you with these companies, we require them to limit their use of the personal information to the particular purpose for which it was shared and we do not allow them to share your personal information with others except to fulfill that limited purpose. In addition, these companies are required to adhere to our privacy standards with respect to any personal information that we provide them.

We may also use details about your business to market certain other financial products and services as offered by our agency. In serving your potential needs, per your profile, related education materials may be presented by E mail or mail.

Protecting Your Password

You can also do your part to keep your account information private, and to prevent unauthorized transactions. If a user ID and password are provided for your account, keep them in secure place and do not share them with anyone else. You should be the only person viewing your account and completing transactions. Also, be aware that others using your computer may gain unintended access to your account(s).

No Legal or Tax Advice

The contents on this web site are provided for informational purposes. RetirementDesigns, John M. Novak, staff and associates do not give legal or tax advice. Information should not be construed as legal or tax advice and is not a substitute for investment advice from a competent financial or tax advisor.

This website provides general information that has been obtained from sources believed to be reliable; however, the accuracy and completeness of such information cannot be guaranteed. Applicable laws and regulations concerning the information contained on this web site are complex and subject to change without notice. For legal or tax advice you should consult your attorney, accountant or tax adviser prior to making any decisions regarding your business retirement planning, individual investing or financial strategies.

Third Party Content, Products and Services (Including Links)

We permit links from other websites and include links to this website simply as a convenience to visitors. The existence of a particular link does not indicate an endorsement by us of the linked site. These linked sites are not under our control and we are not responsible for their content.

Further, we make no representations about the accuracy or completeness of the information contained in any linked sites and assume no liability for the content or presentation of linked sites.

Permissible Use of Materials

You may download or print a copy of the information or materials contained on this website provided that the copy retains all copyright and other proprietary notices contained on the materials. Any other copying, republication or redistribution, reproduction, uploading, posting, or transmittal of the text or graphics of this website, including, without limitation, linking or framing, is expressly prohibited without our prior written permission.

You may not use our name, American 401k, or the 401(k) program information provided in this site without prior written permission and verification by our group as to the accuracy for your intended user.

No Investment Offers

The information contained on this website does not constitute an offer or solicitation for the sale of any security in any jurisdiction where we are not licensed to conduct business or where the security is not available for sale. No security is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful. Securities products are offered for sale by prospectus only.

Trademark and Copyright Notices

John M Novak is the exclusive copyright owner of all text and graphic images contained on this website with the exception of material through hyperlinks. His trademarks, including the American 401k text and logo, may not be used without his prior written consent. This web site is protected by applicable copyright laws.

Subject to Change

Our Privacy Notice and Legal Notices may be changed from time to time. We will notify you of any changes by modifying this website. We recommend that you review these notices periodically for changes.

Last modified 7/15/15.