Legal

CollegeBacker Privacy Policy

Last updated: July 2017

FACTS	WHAT DOES COLLEGEBACKER DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number or Tax Identification Number and transaction history Account balances and payment history Assets and income When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons CollegeBacker chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does CollegeBacker share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
As expressly instructed by you - to share information about your account with those you identify to us	Yes	Yes
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes - information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes - information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

To limit our sharing

Visit us online at collegebacker.com or call +1 (844) SAVE-529

Please note: When you open an account at CollegeBacker, you may expressly instruct us to share certain account information with your friends, family, and others whom you expressly identify to us. Such information will ordinarily include the name of the account owner, the name of the beneficiary, the account number or other account identifying information, the amount and investment choices in the account, and other information as described at collegebacker.com. However, you can contact us at any time to limit our sharing.

Questions?

Call +1 (844) SAVE-529

Who we are
Who is providing this notice?	Principly, Inc. ("CollegeBacker")

What we do
How does CollegeBacker protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does CollegeBacker collect my personal information?	We collect your personal information, for example, when you open an account or make investment decisions for your account provide account information or give us your contact information tell us about your investment portfolio We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes - information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. CollegeBacker does not current have any affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. CollegeBacker does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We may disclose all of the information we collect, as described below to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Our joint marketing partners may include financial services providers, credit card companies, and other companies that have consistent business models with those of CollegeBacker or support the goals that CollegeBacker seeks to achieve on behalf of its clients. We require that those with whom we have joint marketing agreements maintain your personal information confidential and use it only for the purposes we provide it.

Other Important Information
For your annual delivery of this Privacy Policy, please visit this website and review our Privacy Policy. Visit us online at collegebacker.com or call +1 (844) SAVE-529 Please note: When you open an account at CollegeBacker, you may expressly instruct us to share certain account information with your friends, family, and others whom you expressly identify to us. Such information will ordinarily include the name of the account owner, the name of the beneficiary, the account number or other account identifying information, the amount and investment choices in the account, and other information as described at collegebacker.com. However, you can contact us at any time to limit our sharing. For additional information, please visit collegebacker.com.

Other Important Information

For your annual delivery of this Privacy Policy, please visit this website and review our Privacy Policy.

Visit us online at collegebacker.com or call +1 (844) SAVE-529

Please note:
When you open an account at CollegeBacker, you may expressly instruct us to share certain account information with your friends, family, and others whom you expressly identify to us. Such information will ordinarily include the name of the account owner, the name of the beneficiary, the account number or other account identifying information, the amount and investment choices in the account, and other information as described at collegebacker.com.

However, you can contact us at any time to limit our sharing.

For additional information, please visit collegebacker.com.

Making college a reality for more kids.

This website is operated and maintained by Principly, Inc., an SEC-registered investment adviser using the tradename CollegeBacker. Registration does not imply any level of skill or training. CollegeBacker provides investment advice only in jurisdictions where consistent with law, and CollegeBacker does not provide brokerage services.

CollegeBacker does not provide investment advice on investments that are guaranteed by a bank or otherwise, or that are FDIC-insured.

Investing involves risks, and any account you open or send money to may lose value. Investing in 529 Plans in particular involves certain tax considerations and related risks. Past performance does not guarantee future results. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes, and may not reflect actual future performance.

Savings Calculators are hypothetical tools that demonstrate how one-time or monthly contributions, age-based asset rebalancing, and tax savings may impact the long-term value of your account, and do not take into account a portfolio’s underlying investment management fees. Calculations assume investment performance of a representative age-based portfolio with overall compounded annual growth of 6%, capital gains tax rate of 15%, annual interest rate on savings of 0.5%, and annual increase in college costs of 5%. Your account may perform differently due to changes in recurring investments, time horizon, or return. The information provided here is for illustrative purposes only and does not represent actual or future performance of any investment option and is not intended to predict or project the investment performance of any security or index.

See CollegeBacker’s Brochure for additional information about risks. Past performance does not guarantee future results.

Special notice to non-U.S. persons

The investment advisory services referred to on this website are made available to U.S. residents only. This website shall not be considered a solicitation or offering for any service or product to any person in any jurisdiction where such solicitation or offer would be unlawful.