At Lawrence Johnson & Associates (LJA), the privacy and protection of your personal information is paramount. This Privacy Policy describes LJA's methodology in collecting, utilizing and protecting personal information that has been entrusted to us by you and your employer. We strive to safe-guard your personal information under our control and take necessary precautions to maintain its security, integrity and confidentiality.

Collection of Information

The majority of confidential information we receive relates to your employer's benefit programs, which includes compensation, benefit, and other human resources plans or programs. The most common methods for receiving this information are as follows:

• You may input your personal information directly into our systems (via the Web) as a plan participant.
• Your employer or other service providers (such as payroll processors, health plans, or mutual funds) that have a part in administering your employer's plans or programs might provide personal information.
• You might provide additional personal information as a visitor to other Web sites, including this site or, for example, Morningstar ClearFuture. You may also choose to participate in some form of information exchange, including customer satisfaction surveys or inquiries by your employer.

The various types of information we receive may include:

• Contact information and other identifiers, such as name, address, phone number, email address, Social Security number, bank or brokerage account number as required to provide our services;
• Demographic information, such as date of birth, gender and marital status;
• Employment information, such as date of hire, employment status, pay history, deferral withholding information and date of termination; and
• Benefit program participation and coverage information, such as benefit elections, beneficiary information, claims information, benefit plan account balances or accrued benefits, date of retirement, investment return and vesting information.

LJA's Privacy Commitment

We have implemented numerous security measures to reduce the risk of unauthorized processing or disclosure of personal information as well as accidental loss, destruction, or damage to your personal information. We have implemented a computer security policy and related procedures, and we train our employees regarding data security and confidentiality issues. Only LJA employees with job-related needs are authorized to access personal information, and they have agreed to protect the confidentiality of that information. In addition to these employees, only your employer and particular service providers are authorized to access your personal information.

Other measures we take to protect personal information include:

• Not selling or in any way transferring your personal information to any third party; and
• Not using, transferring, or disclosing your personal information to anyone outside of LJA, unless authorized by you, except in connection with your employer's plans and programs, as required by law or legal process, in response to law enforcement requests, and as necessary to protect the property, interests, and rights of LJA and/or your employer.

Updating Confidential Information

LJA is committed to accurately maintaining your personal information within our systems and files. At the same time, we recognize our dependency on other entities such as your employer, payroll provider and other third parties to accurately update our records periodically on your behalf. We ask your assistance in identifying any inaccuracies in your personal information so that our records are correct and updated at all times.

The Use of Cookies

LJA tracks content usage and traffic on this site by using "cookies," a feature of your browser. Web sites use cookies to simulate a continuous connection to that site. This allows the user to visit pages within a site without having to reintroduce them with each mouse click. Cookies were not created to invade the privacy of Internet users, but contain only information that users volunteer. LJA uses cookies to compile aggregate statistics about usage of this site, such as how many users visit the site, how long users spend viewing the site, and what pages are viewed most often. This information is used to improve the content of the site and is not shared with any other party for any commercial purposes. You may set your browser to notify you when you are sent a cookie. This gives you the opportunity to decide whether or not to accept it. If you disable cookies however, you may not be able to take advantage of all the features of this site.

Contact Information

LJA reserves the right to modify this Privacy Policy at any time. If you have any questions or inquiries about LJA's use of your personal information or about this Privacy Policy, please send an email to: comments@lj-a.com.