Privacy Policy

Effective as of September 1, 2022.

This Privacy Policy describes the privacy practices of the Edelman Financial Engines family of companies, including Financial Engines Advisors L.L.C., a registered investment advisor, Edelman Financial Engines, LLC and Edelman Financial Services, LLC (collectively, “Edelman Financial Engines,” “us” or “our”) and how we collect, use and share your personal information if you:

  • use our websites at, or our other digital properties that link to this Privacy Policy (collectively, the “Site”);
  • use our mobile applications (collectively, the “App”);
  • use our financial advisory services or are eligible to access them as an employee benefit (“Client Services”);
  • visit our physical locations;
  • participate in our events, consumer research or other activities where this Privacy Policy is posted; or
  • receive our marketing communications, engage with us on social media, or interact with us through other activities described in this Privacy Policy.

We refer to the Site, the App, the Client Services and other activities described above, collectively, as the “Service.”

In some cases, we may provide a different privacy policy for a particular event or service, in which case that privacy policy will apply in accordance with its terms.

For personal information that we handle pursuant to the federal Gramm-Leach-Bliley Act, please see the GLBA Financial Notice.

We provide important information for California residents here.

Personal information we collect

Information you provide to us. Personal information you may provide to us through the Service or otherwise, or that we obtain from your employer, includes:

  • Contact data, such as your first and last name, email and mailing addresses, residence, postal code, phone number, professional title and company name.
  • Profile data, such as your username and password that you set to establish an online account with us, age or date of birth, gender, biographic details, interests, preferences, intended time of retirement, and information that may be related to a service, account or an event you register for.
  • Identity data, such as a national identification number (e.g., Social Security number where permitted, tax identification number, passport number), state or local identification number (e.g., driver’s license or state ID number), and an image of the relevant identification card.
  • Communications that we exchange when you contact us with questions, feedback or otherwise using any channel, including social media.
  • Financial data, such as your income, economic or financial status, financial institution, financial account details, investment holdings and preferences, investment changes, account balances and contributions, assets and ability to invest.
  • Payment and transactional data, such as the information needed to complete your orders on or through the Service (including name, contact information, credit card information and billing information), and information about payments to and from you and other details of products or services you have purchased from us, and information that you provide us in subscription agreements, investor questionnaires or other documents prepared in connection with the Client Service.
  • Marketing data, such as your preferences for receiving communications about our products, activities, events and publications, and details about how you engage with our communications.
  • Research data that we collect if you participate in our research activities, such as interviews and focus groups, which may include demographic information, your responses and feedback to our questions, and audio and video recordings of your interactions with us.
  • Familial data, such as marital status and information about your family members that you may provide to us (e.g., name, gender, age and date of birth).
  • Other information that we may collect that is not specifically listed here, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

Data from other sources. We may combine personal information we receive from you with personal information we obtain from other sources, such as:

  • Data providers, such as information services (e.g., data appending services) and data licensors who may provide us with additional information about you, such as contact information, demographic information and interests and preferences.
  • Public sources, such as social media platforms and public records.
  • Business partners, such as joint marketing partners and event co-sponsors.
  • Our clients, such as your employer when it engages us to provide Client Services as a benefit to its employees.
  • Vendors and third-party sources, who assist us in providing you our Services, may also share personal information with us that you provide. We may combine this information with other personal information we have collected about you under this Privacy Policy.

Data collected automatically. We, our service providers, and our business partners may automatically log information about you, your computer or mobile device, and your activity over time on the Sites and other online services, such as:

  • Device data, such as your computer or mobile device operating system type and version number, manufacturer and model, browser type, screen resolution, IP address, the website you visited before browsing to our website, and general location information, such as city, state or geographic area.
  • Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times and duration of access.

Cookies and similar technologies. Like many online services, we use the following technologies:

  • Cookies, which are text files that websites store on a visitor's device to uniquely identify the visitor's browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, helping us understand user activity and patterns and facilitating online advertising.
  • Flash cookies, or locally stored objects, which are used on websites for purposes similar to cookies but allow storage of a larger amount of data.
  • Web beacons, also known as pixel tags or clear GIFs, which are typically used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked, typically to compile statistics about usage of websites and the success of marketing campaigns.
  • Software development kits, or SDKs, which are used to incorporate third-party computer code into our App that allows our third-party service providers or advertising partners to collect data directly from it for a variety of purposes, including to provide us with analytics regarding the use of the App, to integrate with social media, add features or functionality to our App or to facilitate online advertising.
  • Session replay technologies. We use third-party services that record users’ interactions with the Services in a manner that allows us to watch DVR-like replays of those user sessions. The replays may include users’ clicks, mobile App touches, mouse movements, scrolls, and keystrokes/key touches during those sessions. These replays help us diagnose usability problems and identify areas for improvement.

Information about others. Users of the Service may have the opportunity to refer friends or other contacts to us and share their contact information with us. Please do not refer someone to us or share their contact information with us unless you have their permission to do so.

How we use your personal information

We use your personal information for the following purposes:

Service delivery. We use your personal information to:

  • provide, operate and improve the Service;
  • execute your transactions;
  • establish and maintain your user profile on the Service;
  • enable security features of the Service, such as by sending you security codes via email or SMS, and remembering devices from which you have previously logged in;
  • communicate with you or your employer about the Service, including by sending announcements, updates, security alerts and support and administrative messages;
  • understand your needs and interests, and personalize your experience with the Service and our communications;
  • provide support for the Service; and
  • respond to your requests, questions and feedback.

Research and development. We may use your personal information for research and development purposes, including to analyze and improve the Service and our business. As part of these activities, we may create aggregated, de-identified or other anonymous data from personal information we collect. We make personal information into anonymous data by removing information that makes the data personally identifiable to you. We may use this anonymous data and share it with third parties for our lawful business purposes, including to analyze and improve the Service and promote our business.

Marketing and advertising. We and our third-party advertising partners may collect and use your personal information for marketing and advertising purposes:

  • Direct marketing. We may send you Edelman Financial Engines-related or other direct marketing communications as permitted by law. You may opt out of our marketing communications as described in the Opt out of marketing section below.
  • Interest-based advertising. We may contract with third-party advertising companies and social media companies to display ads on our Service and other sites. These companies may use cookies and similar technologies to try to tailor the ads you see online to your interests based on your activity over time across our Service and other sites, or your interaction with our emails. These ads are known as "interest-based advertisements." You can learn more about your choices for limiting interest-based advertising, in the Advertising choices section below.

Compliance and operations. We may use your personal information to:

  • comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
  • protect our, your or others' rights, privacy, safety or property (including by making and defending legal claims);
  • audit our internal processes for compliance with legal and contractual requirements and internal policies;
  • enforce the terms and conditions that govern the Service; and
  • prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.

How we share your personal information

We may share your personal information with the following parties and as otherwise described in this Privacy Policy or at the time of collection:

Affiliates. We may share personal information about you with our affiliated companies for everyday business purposes, however, our affiliated companies are not permitted to use this information to market their products or services to you. Additionally, we do not share information with our affiliated companies regarding your creditworthiness.

Please see our Privacy Notice for more information on how your information may be shared.

Service providers. Companies and individuals that provide services on our behalf or help us operate the Service or our business (such as IT, hosting, investment trading, customer relationship management and support, print and mail fulfillment, data management, event registration, email delivery, marketing, website analytics and event management services).

Service-related third parties. Brokers, custodians, administrators, investment funds and their respective managers and other nonaffiliated third parties as necessary to provide the Service.

Advertising partners. Third-party advertising companies that collect information about your activity on the Site and other online services to help us advertise our services, and/or use hashed customer lists that we share with them to deliver ads to them and similar users on their platforms.

Professional advisors. Professional advisors, such as lawyers, auditors and insurers, where necessary in the course of the professional services that they render to us.

Authorities and others. Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the compliance and operations purposes described above.

Business transferees. Relevant participants in business transactions (or potential transactions) involving a corporate divestiture, merger, consolidation, acquisition, reorganization, sale or other disposition of all or any portion of the business or assets of, or equity interests in, Edelman Financial Engines or our affiliates (including in connection with a bankruptcy or similar proceedings).

Your Choices

You have the following choices with respect to your personal information.

Access or update Your Information. If you have registered for an account with us, you may review and update certain account information by logging into the account.

Opt out of marketing communications. You may opt out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the email, or by contacting us. You may continue to receive service-related and other nonmarketing emails.

If you receive text messages from us, you may opt out of receiving further text messages from us by replying STOP to our message.

Cookies. Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. Please note that if you set your browser to disable cookies, the Service may not work properly. For more information about cookies, including how to see what cookies have been set on your browser and how to manage and delete them, visit We use Google Analytics to help us understand user activity on the Service. You can learn more about Google Analytics cookies at and about how Google protects your data at You can prevent the use of Google Analytics relating to your use of our sites by downloading and installing a browser plugin available at

Advertising choices. You can limit use of your information for interest-based advertising by:

  • Browser settings. Blocking third-party cookies in your browser settings.
  • Privacy browsers/plug-ins. By using privacy browsers such as Brave or ad-blocking browser plug-ins such as Privacy Badger, DuckDuckGo, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.
  • Platform settings. Google and Facebook offer opt-out features that let you opt out of use of your information for interest-based advertising:
  • Ad industry tools. Opting out of interest-based ads from companies participating in the following industry opt-out programs:
  • Mobile settings. Using your mobile device settings to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.

You will need to apply these opt-out settings on each device from which you wish to opt out.

Do Not Track. Some internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. We currently do not respond to "Do Not Track" or similar signals. To find out more about "Do Not Track," please visit

Declining to provide information. We need to collect personal information to provide certain services. If you do not provide the information requested, we may not be able to provide those services.

Third-party services. We give you the option to use Plaid Inc. ("Plaid") to gather your account data from financial institutions. You are not required to use Plaid to receive services from us. By using the Service and selecting Plaid to gather your outside account data, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with Plaid's Privacy Policy.

Other sites and services

The Service may contain links to websites, mobile applications, and other online services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. In addition, our content may be included on webpages or in mobile applications or other online services that are not associated with us. We do not control websites, mobile applications or online services operated by third parties, and we are not responsible for their actions.


We employ a number of technical, organizational and physical safeguards designed to protect the personal information we collect. However, security risk is inherent in all internet and information technologies and we cannot guarantee the security of your personal information.

International data transfer

We are headquartered in the United States and may use service providers with operations in other countries, where privacy laws may be of a standard more or less protective as those in your state or the United States generally. Our service providers may have access to the personal information we collect about you during the course of our contractual relationship with them in order to provide their services or products. It is our practice, however, to enter into written agreements with our service providers that impose data protection obligations no less protective than our own.


The Service is not intended for use by children under 16 years of age. If we learn that we have collected personal information from a child under 16 without the consent of the child's parent or guardian as required by law, we will delete it.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date of this Privacy Policy and posting it on the Service. If required by law, we will also provide notification of changes in another way that we believe is reasonably likely to reach you, such as via email or another manner through the Service. Any modifications to this Privacy Policy will be effective upon our posting the modified version (or as otherwise indicated at the time of posting). In all cases, your continued use of the Service after the posting of any modified Privacy Policy indicates your acceptance of the modified Privacy Policy.

How to contact us

You can reach us in the following ways:

  • Mail: Edelman Financial Engines, 28 State St., 21st Floor, Boston, MA 02109, Attention: Privacy
  • Phone: (800) 601-5957

Important information for California residents

This section describes how we collect, use and share Personal Information of California residents in operating our business, and their rights with respect to that Personal Information. For purposes of this section, "Personal Information" has the meaning given in the California Consumer Privacy Act of 2018 ("CCPA") but does not include information exempted from the scope of the CCPA. For example, "personal Information" does not include, and this section does not cover, nonpublic personally identifiable financial information that we collect from consumers in connection with providing the Client Services. Such information is covered by our GLBA Financial Notice.

Your California privacy rights. As a California resident, you have the rights listed below. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law.

  • Information. You can request the following information about how we have collected and used your Personal Information during the past 12 months:
    • The categories of Personal Information that we have collected.
    • The categories of sources from which we collected Personal Information.
    • The business or commercial purpose for collecting and/or selling Personal Information.
    • The categories of third parties with whom we share Personal Information.
    • The categories of Personal Information that we sold or disclosed for a business purpose.
    • The categories of third parties to whom the Personal Information was sold or disclosed for a business purpose.
  • Access. You can request a copy of the Personal Information that we have collected about you during the past 12 months.
  • Deletion. You can ask us to delete the Personal Information that we have collected from you.
  • Opt out of sales. If we sell your Personal Information, you can opt out of those sales.
  • Nondiscrimination. You are entitled to exercise the rights described above free from discrimination as prohibited by the CCPA.

How to exercise your rights

You may exercise your California privacy rights described above as follows:

  • Right to information, access and deletion. You can request to exercise your information, access and deletion rights by:
  • Right to opt out of the "sale" of your Personal Information. Like many companies, we use services that help deliver interest-based ads to you. Our use of some of these services may be classified under California law as a "sale" of your Personal Information to the companies that provide the services.
  • You can request to opt out out of this “sale” of your Personal Information here: Do Not Sell My Personal Information, where you will find instructions on opting out of the use of your information for interest-based advertising.

We reserve the right to confirm your California residency to process your requests and will need to confirm your identity to process your requests to exercise your information, access or deletion rights. To verify your identity, we may require you to provide government identification, give a declaration as to your identity under penalty of perjury and/or provide additional information. Your authorized agent may make a request on your behalf upon our verification of the agent’s identity and our receipt of a copy of valid power of attorney given to your authorized agent pursuant to California Probate Code Sections 4000-4465. If you have not provided your agent with such a power of attorney, you must provide your agent signed permission to exercise your CCPA rights on your behalf, provide the information we request to verify your identity, and provide us with written confirmation that you have given the authorized agent permission to submit the request. Authorized agents are required by California law to implement and maintain reasonable security procedures and practices to protect their clients’ information.

We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.

Personal Information that we collect, use and share pursuant to the CCPA

The chart below summarizes how we collect, use and share Personal Information by reference to the categories specified in the CCPA, and describes our practices during the 12 months preceding the effective date of this Privacy Policy.

Statutory category of Personal Information (PI) (Cal. Civ. Code § 1798.140) PI we collect in this category (See Personal Information we collect above for description) Source of PI Categories of third parties to whom we “sell” (as defined by the CCPA) PI
Identifiers Contact data
Profile data
Identity data
Familial data
Data about others
Research data
Public services
Business partners
Commercial Information Contact data
Profile data
Financial data
Marketing data
Research data
Public services
Business partners
Automatic collection
Financial Information
(excluding information subject to the Gramm-Leach-Bliley Act)
Financial data
Research data
Public services
Business partners
Online Identifiers Contact data
Device data
Identity data
Business partners
Automatic collection
Advertising partners (to facilitate online advertising)
Internet or Network Information Device data
Online activity data
Automatic collection
Advertising partners (to facilitate online advertising)
Inferences May be derived from your:
Financial data
Payment and transactional data
Marketing data
Research data
Familial data
Device data
Online activity data
Business partners
Automatic collection
Advertising partners (to facilitate online advertising)
Protected Classification Characteristics Profile data
Research data
Familial data
You None
Professional or Employment Information Contact data
Research data
You None