ABG Consultants (ABGC) considers the protection of personal information to be a foundation of customer trust and a sound business practice. We employ physical, electronic and procedural controls and we regularly adapt these controls to respond to changing requirements and advances in technology. We restrict access to personal information to those who require it to develop, support, offer and deliver products and services to you. Additionally, we educate our employees about the importance of confidentiality and customer privacy.

We collect and retain nonpublic personal information about individuals, who are current or former customers or who maintain an account balance through an employer-sponsored retirement or welfare plan. We use this collected information to provide services to our customers. We may collect the following categories of nonpublic personal information about you:

  • Information we receive from you and your agents, through applications you complete for our services or other forms, including enrollment forms;
  • Information about your transactions with us, our affiliates or with non-affiliated third parties through websites or other interactions; and
  • Information we receive from your agent or your employer.

We do not disclose any nonpublic personal information about our customers or former customers to non-affiliated third parties, except as permitted or required by law. However, we may disclose nonpublic personal information about you to companies that perform services on our behalf or to other financial institutions with which we have a joint service agreement. In these instances, we share only the non-public information necessary for them to perform their contracted services. Likewise, we may disclose nonpublic personal information to the plan sponsor of an employer-sponsored retirement or welfare plan so that they may fulfill their responsibilities to the plan.

Privacy, security, and service in ABGC online/mobile app operations are just as critical as in the rest of our business. We use firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect retirement accounts and systems from unauthorized access. When you interact with us through online channels (for example, websites and mobile applications) owned and controlled by ABGC, we manage personal information in accordance with all of the practices and safeguards described previously. When you visit ABGC websites, we may collect technical and navigational information, such as device type, browser type, Internet protocol address, pages visited, and average time spent on ABGC websites or mobile applications. We use this information for a variety of purposes, such as maintaining the security of your online session, facilitating site navigation, improving the website design and functionality, and personalizing your experience.

In general, the majority of information collected by ABGC is available on our company website where it can be accessed and edited in accordance with company policy. This privacy policy affords clients certain rights (in accordance with the California Consumer Privacy Act) regardless of place of residence:

1. Right to Access Specific Information:
You may request a copy of all data that ABGC has on file about you twice in a calendar year. ABGC has up to 45 days to fulfill that request. To request this information, contact our customer service department at customerservice@ABGC.com or at 801-486-3087. Upon request ABGC will disclose the following pieces of information:

a. The categories of personal information that ABGC has collected about you.
b. The sources ABGC used to collect information about you.
c. Our business purpose for collecting your personal information.
d. The categories of any third parties to whom ABGC disclose your personal information.
e. Each specific piece of information that we have collected about you.

2. Right to Deletion:
You have the right to request the deletion of your data if it falls outside of one or more of the following categories:

a. ABGC needs the data in order to provide goods or services to you.
b. ABGC needs the data in order to detect or resolve security or functionality related issues.
c. ABGC needs the data in order to comply with the law.
d. ABGC needs the data in order to carry out actions for reasonable internal purposes.

Please note: ABGC only collects the data necessary to provide our services, and is obligated under law to maintain that data for no less than 7 years.

3. Selling your data: right to opt-out
You have the right to opt out of the sale or disclosure of your personal information to the extent such disclosure is not required to fulfill legal and regulatory requirements for the services we perform. ABGC does not sell the personal information it collects. Disclosure of certain information is required to perform services contracted by your employer. To opt out, contact our customer service department at customerservice@ABGC.com or at 801-486-3087.

4. Right to Non-Discrimination:
ABGC will not discriminate against you for exercising any of these rights. Specifically, in connection with your exercise of the rights, ABGC will not:

a. Deny you goods or services.
b. Charge you different prices for goods or services, either through denying benefits or imposing penalties.
c. Provide you with a different level or quality of goods or services.
d. Change the company’s position toward or relationship with you in any way.