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Plain-English summary
Empower's policy indicates that it shares information with advertising partners who use cookies and advertising identifiers for profiling and targeted advertising (risk_flags-1). Additionally, social media cookies can track browsing across sites to build user interest profiles (risk_flags-2). There is also a disclosed material conflict of interest in advertising due to compensation for referrals (gotchas-1).
85% confidence
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Risk Flags
2 findings
Critical issues and red flags identified in the policy. These are serious concerns that could have significant negative impacts on the user.
high90% confidence
Advertising partners use cookies for profiling and targeted advertising
Empower and its advertising partners use cookies and advertising identifiers on websites and mobile applications to understand user interests and show advertisements on other sites.
Why it matters: Your browsing behavior across various sites can be tracked by advertising partners using cookies and advertising identifiers, potentially impacting the content and messages you see on other websites you visit.
While we do not share your personal information to third parties for monetary gain, some state laws have a broader definition of “sale” and “share” that may be applicable to use of certain third-party cookies, tags, pixels or web beacons (collectively, “cookies”) on our websites or mobile applications. In this context, Empower and our advertising partners use cookies, and the advertising identifier associated with your mobile or internet-connected device.
Exercise your opt-out rights, paragraph 1 · Citation strength: strong
medium85% confidence
Third-party social media cookies track browsing across sites for profiling
Social media cookies added to the site by Empower are capable of tracking your browser across other sites and building up a profile of your interests.
Why it matters: Your browsing activity can be tracked across various websites, and a profile of your interests can be built, potentially influencing the content and messages you see elsewhere online.
These cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit.
- [x] Social media cookies, paragraph 1 · Citation strength: strong
Data Use
1 finding
How the policy describes the collection, processing, and utilization of user data. This section highlights potential privacy impacts related to data handling.
low90% confidence
Website uses cookies to enhance user experience and analyze performance
The website uses cookies to enhance user experience, analyze performance, and understand traffic patterns.
Why it matters: The website collects data about your visits and preferences through cookies, which is used to improve site performance and personalize your online experience. You can choose not to allow certain cookies, but this might affect how the site works for you.
This website uses cookies to enhance user experience and to analyze performance and traffic on our website. We also share information about your use of our site with our service providers for analytics and marketing purposes.
Terms related to subscription cancellations, service renewals, and associated billing practices. This includes conditions for termination and any penalties.
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Not clearly stated
No cited billing terms — wording is unclear
Information regarding cancellation and renewal policies, including terms for subscription cancellations, service renewals, and associated billing practices, is not clearly stated in the provided text.
Gotchas
2 findings
Potentially overlooked clauses or practices that could be disadvantageous or surprising to users. These often include legal disclaimers, limitations of liability, or unusual terms of service.
high95% confidence
Affiliate advertising creates material conflict of interest
A 'Site' has an advertising campaign with Empower Personal Wealth, LLC (EPW) where the 'Site' is paid up to $250 for each lead, creating a material conflict of interest due to the incentive to recommend EPW.
Why it matters: Recommendations for Empower Personal Wealth may not be impartial because the referring 'Site' receives financial compensation for each lead, potentially influencing their advice or suggestions.
("Site") has entered into an advertising campaign with Empower Personal Wealth, LLC ("EPW"), through which Site is paid up to $250 for each individual lead. The Site, due to such compensation, has an incentive to recommend EPW, resulting in a material conflict of interest.
Investing involves risk and potential loss of money
Investing involves risk, and past performance is not an indicator of future returns. There is a possibility that you may lose money.
Why it matters: Investments carry inherent risks, and there is no guarantee of returns. You might lose money, and prior investment results do not predict future outcomes.
Advisory services are provided for a fee by Empower Advisory Group, LLC (EAG). EAG is a registered investment adviser with the Securities and Exchange Commission (SEC) and an indirect subsidiary of Empower Annuity Insurance Company of America. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not indicative of future returns. You may lose money.
Measures and clauses in the policy designed to protect user rights, privacy, and security. These are beneficial aspects of the policy from a user's perspective.
Protection90% confidence
Empower commits to using user data only for service delivery and improvement.
Empower states that it designs its products and services with privacy in mind and uses user information only to deliver and improve what users depend on.
Why it helps: This commitment indicates a focus on data minimization and using personal information primarily for the core purpose of providing and enhancing services, rather than for secondary uses like excessive marketing or third-party sales.
We design our products and services with privacy in mind, using your information only to deliver and improve what you depend on.
Your trust matters to us, paragraph 1 · Citation strength: strong
Protection95% confidence
Empower commits to not selling user data for monetary gain.
Empower states that it does not share user personal information with third parties for monetary gain.
Why it helps: This directly assures users that their personal data will not be sold for profit, which is a common privacy concern, and strengthens trust in how their information is handled.
While we do not share your personal information to third parties for monetary gain, some state laws have a broader definition of “sale” and “share” that may be applicable to use of certain third-party cookies, tags, pixels or web beacons (collectively, “cookies”) on our websites or mobile applications.
Exercise your opt-out rights, paragraph 1 · Citation strength: strong
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