Privacy Policy

This Privacy Policy describes how information may be collected and/or used by the Laura and John Arnold Foundation (“LJAF”) in connection with your use of PensionSecuritySM ( and related content, services, features, and applications (the “Website”).

LJAF reserves the right to modify this Privacy Policy at any time. If LJAF makes material changes to this policy, LJAF will notify you by means of a notice on the Website. By continuing to use the Website after a notice of change has been so published, you are consenting to any such changes.



LJAF tracks user activity anonymously to develop analytics reports for the Website. Further, LJAF divides the information it could receive from and through Website users into two general categories: (1) website usage information (“Website Information”); and (2) personally identifiable user information (“Personal Information”):

1. Website Information

a. Cookies

LJAF may use “cookies” on or in connection with the Website to maintain information about you. A cookie is a very small text document or image file, which often includes an anonymous unique identifier. LJAF may use both “session” cookies and “persistent” cookies. A session cookie is temporary and disappears after you close your browser. A persistent cookie remains on your hard drive after you close your browser. Persistent cookies may be used by your browser on subsequent visits to the Website. Persistent cookies can be removed by following your web browser’s directions.

b. Clear GIFs

LJAF may also use “Clear GIFs” (aka “web beacons” or “pixel tags”) or similar technologies in connection with the Website and/or in its communications with you. A Clear GIF is typically a one-pixel, transparent image located on a web page or in an e-mail or other type of message, which helps us to verify an individual’s viewing or receipt of a web page or message. LJAF uses information provided from Clear GIFs to enable more accurate reporting and better the Website user experience.

c. IP Address & Clickstream Data

LJAF collects information regarding the identity of your Internet Protocol (“IP”) address. LJAF uses this information for internal system monitoring and to administer the Website. This information may also be used to gather and aggregate broad demographic information and profile data.

2. Personal Information

In the event the Website requires personally identifying information from a user, LJAF limits the personal information collected to (i) a user’s name and/or (ii) a user’s email address.



1. Service Providers

LJAF may use third-party partners to help LJAF operate and maintain the Website. Third-party service providers are contractually restricted from using or disclosing such information except as necessary to perform services on LJAF’s behalf or to comply with legal requirements.

2. Aggregate Statistics

LJAF may disclose non-personally identifiable aggregate statistics regarding user behavior as a measure of interest in, and use of, the Website, such as overall patterns or demographic reports that do not describe or identify any individual user. Information relating to aggregate statistics may be collected through the use of third-party cookies and other third-party tracking devices.

3. Legally Compelled Disclosures

LJAF may disclose any Personal Information you may have chosen to provide if LJAF is required to do so by law, subpoena, or discovery request, or if LJAF believes that such action is necessary to (a) conform to the law, comply with a judicial or court order, or comply with legal process served on us or related third parties; (b) protect and defend LJAF’s rights and property, the Website, users of the Website, and/or related third parties; or (c) act under circumstances to protect the safety of users of the Website, LJAF, or related third parties.

4. Transfer

LJAF reserves the right to transfer any Website Information LJAF has about you in the event of merger or succession. Should such a transfer occur, LJAF will use reasonable efforts to direct the transferee to use Personal Information you have provided through the Website in a manner that is consistent with this Privacy Policy.



By using the Website to access or connect to a social network or other third-party platform or service (e.g., Facebook, Twitter), you authorize LJAF to collect, store, and use any and all information that you agreed the social network or third-party platform could collect, store, or use in the same manner and to the same extent you agreed the social network or third-party platform could collect, store, or use such information.



The Website is not directed to children under the age of 13, and LJAF does not knowingly collect Personal Information from children under the age of 13. If LJAF becomes aware that it has inadvertently received Personal Information from a visitor under the age of 13, LJAF will delete such information from its records.



You agree that any Website Information or Personal Information you may provide to LJAF through the Website may be used for the purposes described herein, and you further understand and consent to the collection, maintenance, processing, and transfer of such information in and to the United States and other countries and territories, which may have different privacy laws from your country of residence and which may afford varying levels of protection for such information.



LJAF shall use commercially reasonable and industry acknowledged physical, managerial, and technical safeguards to preserve the integrity and security of any Personal Information that may be collected in connection with the Website. LJAF cannot, however, guarantee that information, during transmission through the Internet or while stored on our systems or otherwise in our care, will be safe from intrusion by others, such as hackers. LJAF is not liable in any way for disclosure of your Website Information or Personal Information due to errors or unauthorized acts of third parties.



If you have any questions or comments about this Privacy Policy, or if you would like to review, delete or update information LJAF has about you or your preferences, please contact LJAF at