AFM-EPF Online Privacy Policy: Your Privacy Rights
American Federation of Musicians and Employers' Pension Fund ("AFM-EPF") knows that your privacy is important to you, and we want you to know that it is important to us too. We created this privacy policy (the "Policy") to explain the types of information we collect through our website ( on which it is posted ("Site"), how we will use, disclose and protect this information once it is collected, and how you can opt-out of some of our uses and disclosures of your information. By visiting the Site, you consent to your data being processed in accordance with this Policy. Please note that in addition to this Policy, data of California residents is also processed in accordance with the AFM-EPF CCPA Notice located below.

Here are a few general principles to keep in mind as you read through this Policy:
  • The Site is owned and operated by AFM-EPF (referred to collectively in this Policy as "we," "us," "our" and other similar pronouns).
  • We may share your personal information with certain third parties. You can elect for us not to do so by following the steps referenced in the Opt In and Opt Out section below.
  • We do not knowingly solicit data from to children under 18 years of age. By using the Site, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent's use of the Site. If we learn that personal information from users less than 18 years of age has been collected, we will take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please notify us at the contact listed in the contact section in this Policy.
  • This Policy does not apply to information that you may provide to us, or that we may obtain, other than through the services, such as over the phone, by mail, or in person, except that, if you are a California resident, your rights under California law described below and in our CCPA Notice to opt-out of our use and sharing of your personal information with third parties applies also to the personal information that we collect offline.
  • Please read this Privacy Policy carefully, which includes important information about your legal rights, remedies, and obligations with respect to your Personal Information. As the AFM-EPF evolves, this Policy may change, so check back to this page periodically to make sure you understand how your personal information will be treated.
  • If you are located outside of the United States, you should know that the information you provide to us is being transmitted to us and processed in the United States and will be protected subject to this Policy and United States laws, which may not be as protective as the laws in your country. By using the Site, you agree to this.
  • Notwithstanding the foregoing, this Privacy Policy is not applicable to any other web pages, mobile applications, third party social media sites, email lists, generic information and Personal Information collected by, owned by and/or made available on behalf of any entity other than the AFM-EPF. Users of the foregoing resources should refer to the privacy policy in effect for the applicable owner.
1. Opt In and Opt Out
You may have the right to opt in or to opt out of certain uses and disclosures of your Personal Information. For example, when you are asked to provide Personal Information on the Site, you may have the opportunity to elect to, or not to, receive messages from us by email. You may tell us that you do not want us to share your Personal Information with third parties by contacting us at the contact information listed below. Please understand that it may take us a few days to process any opt out request and that even if you opt out, we may still contact you in connection with your relationship, activities, transactions and communications with us.

What information is collected on the Site?

"Personal Information" is information that can be used to identify you as an individual or allow someone to contact you, as well as information attributed with such information. We collect different categories of Personal Information from different sources, including User-Provided Information and Site usage information.

User-Provided Information

We collect Personal Information you provide to us, such as (1) contact information (e.g. name, address, home and mobile telephone numbers, email address); (2) biographical information such as demographic information (e.g. date of birth, gender, marital status); (3) bank account numbers; (4) social security number; and (5) any of the above information about your spouse and dependents.

Service Usage Information

As is the case with many online properties, our servers automatically collect your IP address when you visit the Site, and we may associate that with your domain name or that of your internet access provider. We may also capture certain "clickstream data." Clickstream data includes, for example, device ID and other information about your computer or device, web browser and operating system and their settings, your operating system, viewing activity, location information, your Internet service provider (ISP), the referring page that linked you to the Site. This is what we refer to as "Service Usage Information," and it may include Personal Information.

Among other things, this information enables us to generate analytics reports on the usage of the Site. To opt out of your Service Usage Information being included in our Google Analytics reports, you may follow these instructions:

In addition, we may deploy various tracking technologies on the Site to collect additional information about your visits. For example:
  • Cookies are small data files stored on your computer or device at the request of a website or other online property. A cookie assigns a unique numerical identifier to your web browser, and may enable us to recognize you as the same user who was at the Site in the past, and relate your use of the Site to other information about you. Cookies may also be used to enhance your experience on the Site or to collect general usage and aggregated statistical information and detect and prevent fraud. Most browsers can be set to detect cookies and give you an opportunity to reject them, but refusing cookies may, in some cases, inhibit or preclude your use of the Site or their features.
  • HTML5 (the language some websites are coded in) may be used to store information on your computer or device about the Site. This information can be retrieved by us to determine how the Site is being used by our visitors, how they can be improved, and to customize them for our users.
  • Cache cookies, such as eTags, may be used to identify your computer or device as the same computer or device that visited the Site or other online properties in the past.
  • A pixel tag (also known as a "clear GIF" or "web beacon") is a tiny image – typically just one-pixel – that can be placed on a website page or in our electronic communications to you in order to help us measure the effectiveness of our content.
These tracking technologies may be deployed by us and/or by the service providers or partners on our behalf. These technologies enable us to assign a unique number or persistent identifier to you, and relate your Service Usage Information to other information about you, including your Personal Information.

By using the Site, you consent to our use of these tracking technologies as described above.

2. How is your information used?
We or our service providers may use the Personal Information we collect from and about you, including User-Provided Information and Service Usage Information, to perform the following business functions:
  • Providing you AFM-EPF services ("Services")
  • Enabling users to use the Site
  • Delivering content to you
  • Administering the Site
  • Responding to your requests, questions, and concerns
  • Verifying participant information
  • Developing new features and offerings on the Site
  • Analytics related to the Site
  • Auditing compliance and other practices
  • Detecting security incidents
  • Protecting against bad activity
  • Bringing claims against wrongdoers
  • Duality and safety assurance measures
  • Debugging software, systems and practices
  • Protecting our rights and property
  • Recovering debt and preventing fraud
  • Other purposes disclosed when Personal Information is submitted to us
  • Other limited transactional uses
To perform the above functions, we may match information collected from you through different means or at different times, including both Personal Information and Service Usage Information, and use such information along with information obtained from other sources (including third parties) and publicly accessible information (such as information available publicly on the internet). This information includes, for example, demographic information and updated contact information. We or the service providers may also use your information to assess the level of interest in, and use of, the Services and our emails both on an individual basis and in the aggregate.

3. Do we share Personal Information and Service Usage Information with others?
We may share certain Personal Information and Service Usage Information with third parties for business reasons. However, we do not sell any Personal Information to anyone, including third parties assisting us with business operations. In addition to the kinds of information sharing you might expect, we may share your information:
  • With third parties who need your information in order to provide services to us or on our behalf.
  • When we believe in good faith that disclosure is necessary to protect our rights or property, protect your safety or the safety of others, investigate fraud or respond to a government, judicial or other legal request, or to comply with the law.
  • In connection with an organization change or dissolution, including for example a merger, acquisition, reorganization, consolidation, bankruptcy, liquidation, sale of assets or wind down of business.
In addition, we may share non-personally identifiable Service Usage Information (including aggregate data) with others, for their own use, in a form that does not include your name or contact information.

4. Your Access Rights
You may review, update or modify certain of the Personal Information that is on the Site by contacting us using the "Contact Us" information below. You may also request that we update or delete certain of your Personal Information and Service Usage Information, subject to some conditions, by contacting us using the "Contact Us" information below. We may ask you to verify your identity and to provide other details before we are able to provide you with any information, correct any inaccuracies, or delete any information. Your right to delete your information is subject to our records retention policies and applicable law.

5. Security
While we endeavor to protect the security and integrity of sensitive Personal Information collected via the Site, due to the inherent nature of the internet as an open global communications vehicle, we cannot guarantee that any information, during transmission through the internet or while stored on our system or otherwise in our care, will be absolutely safe from intrusion by others, such as hackers.

If you correspond with us by email or using web forms like a "contact us" feature on the Site, you should be aware that your transmission might not be secure. A third party could view the information you send in transit by such means. We will have no liability for disclosure of your information due to errors or unauthorized acts of third parties during or after transmission.

If you create an account on the Site, you are responsible for maintaining the strict confidentiality of your account password, and you shall be responsible for any activity that occurs using your account credentials, whether or not you authorized such activity. Please notify us of any unauthorized use of your password or account or any other breach of security.

If at any time during or after our relationship we believe that the security of your Personal Information in our care may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we will endeavor to notify you as promptly as possible under the circumstances. If we have your email address, we may notify you by email to the most recent email address you have provided us. You consent to our use of email as a means of such notification. If you prefer for us to use the U.S. Postal Service to notify you in this situation, please submit your request by contacting us using the "Contact Us" information below. You can make this election any time, and it will apply to notifications we make after a reasonable time thereafter for us to process your request.

6. "Linked-To" Websites
The Site may contain links that lead to other websites or online properties. We are not responsible for these other online properties, and so their posted privacy policies (not this Policy) will govern the collection and use of your information on them. We encourage you to read the privacy policies of each website or online properties visited after leaving the Site to learn about how your information is treated by others.

7. European Union Users and Site Visitors
This Site is hosted in the United States and is governed by United States law. If you are located in the European Economic Area (EEA), United Kingdom (UK), or another international country, the United States may not necessarily have data protection laws or other similar laws as comprehensive as those in your country. For example, you may reside in a country that is subject to the General Data Protection Regulations (GDPR). If you reside in a country subject to GDPR you may have the rights (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. While our Site is not necessarily subject to GDPR compliance, we are nonetheless issuing this Policy to explain the handling of the personal data of those who reside in one of the countries subject to the GDPR. If you are using the Site or our services from outside the United States, please be aware that your Personal Information and/or Usage Information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. By using the Site or our services, you consent to your Personal Information and Usage Information being transferred to our servers. If you have questions or comments about your privacy rights, you may reach out to us at the contact information below.

8. Changes to this Policy
We may change this Policy from time to time. When we do, we will let you know by posting the changed Policy on this page with a new "Effective Date." In some cases (for example, if we significantly expand our use or sharing of your Personal Information), we may also tell you about changes by additional means, such as by sending an email to the email address we have on file for you. In some cases, we may request your consent to the changes.

9. Contact Us
If you have any questions or comments regarding our privacy practices, you may contact us at:

American Federation of Musicians and Employers' Pension Fund
New York Headquarters
P.O. Box 2673
New York, NY 10117-0262
Phone: (800) 833-8065 Option 4

Effective Date: January 26, 2022.

CCPA Notice
The below summarizes our policies with respect to personal information that we process of the following users of the Site and any Services that we provide who are California residents (collectively, the "customers" or "you"). We adopt the policies set forth below to comply with the California Consumer Privacy Act of 2018 ("CCPA") and the CCPA's implementing regulations and any terms defined in the CCPA (such as "personal information") have the same meaning when used in our Policy.

Categories of Personal Information: We have collected the following categories of personal information in the preceding 12 months:
  • Identifiers, such as name, address, telephone number, email address, and other contact information.
  • Certain personal information categories and other financial information.
  • Data submitted and collected through our website(s) visited by participants including data submitted by email.
Categories of Sources: We collect personal information directly from you, indirectly from you and from other sources, including from the Services, applications, forms, correspondence and other communications, as well as participants' transactions with us and others.

Business and Commercial Purposes: We use and disclose the categories of personal information listed above for business purposes. Such purposes include to operate, manage and maintain our business and to accomplish our business purposes and objectives. For example, we use personal information to provide Services; fulfill your transactions; respond to your communications; conduct risk and security control and monitoring; detect and prevent fraud; perform accounting, audit and other internal functions; comply with law, legal process and internal policies; maintain records; and exercise rights and defend legal claims.

Categories of Third Parties: In the preceding 12 months, we have shared the categories of personal information listed above for business purposes with our service providers who assist in providing our services or operating our business. We do not sell personal information to third parties.

Access and Data Portability Rights: You have the right to request that we disclose the following information to you with respect to the preceding 12 months:
  • the categories of personal information collected about you;
  • the categories of sources from which the personal information is collected;
  • the purposes for collecting or sharing personal information; and
  • the categories of third parties with which we share personal information for a business purpose;
  • the specific pieces of personal information we collected about you.
These access and data portability rights do not apply to (i) personal information collected about employees, job applicants, independent contractors or similar individuals and used only within the context of such a relationship ("employment-related personal information") or (ii) personal information reflecting a written or verbal business-to-business communication ("B2B personal information").

Deletion Request Rights: You have the right to request that we delete the personal information (other than employment-related personal information or B2B personal information) we collected about you, subject to certain exceptions provided by the CCPA. Once we receive and confirm your verifiable request, we will delete the requested personal information from our records, unless an exception provided by the CCPA applies. For example, we may retain personal information as required or permitted by law, and may maintain a copy of your deletion request.

Exercising Your Access and Data Portability Rights: To exercise the access and data portability rights described above, please submit a verifiable consumer request to us:

American Federation of Musicians and Employers' Pension Fund
New York Headquarters
P.O. Box 2673
New York, NY 10117-0262
Phone: (800) 833-8065 Option 4

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. You may only make a verifiable participant request for access or data portability twice within a 12-month period. The verifiable participant request must provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative. Please describe your request with sufficient detail for us to properly understand, evaluate and respond to it.

Requests from Authorized Agents: If you would like an authorized agent to submit a CCPA request on your behalf or if you are an authorized agent of a participant and registered with the Secretary of State to conduct business in California, please send us an email at for instructions and details on proof required for use of an authorized agent , including a copy of the written permission signed by the participant for the agent to act on the participant's behalf in this manner.

Right of Non-Discrimination: You have the right not to receive discriminatory treatment by us for exercising any of your CCPA rights.

Reasonable Access for Participants with Disabilities: Persons with disabilities may contact us about obtaining this Privacy Policy in alternative format.

Contact Information: If you have any questions or comments about your rights in California, the ways in which we collect, use and disclose your personal information described here or your choices and rights regarding such practices, please do not hesitate to contact us at:

American Federation of Musicians and Employers' Pension Fund
New York Headquarters
P.O. Box 2673
New York, NY 10117-0262
Phone: (800) 833-8065 Option 4