Privacy and Security
Spoofing, broadly speaking, involves a person pretending to be another person or entity in order to get something — typically, illegitimate access to a person’s personal or account information.
Common forms of spoofing include:
This widely known form of fraud involves an illegitimate email or pop-up message disguised to look like a communication from a legitimate organization.
Phishing attempts typically:
Phishing attacks may also occur over the phone.
A less familiar form of fraud, pharming involves sending users to fake websites through their browsers, rather than by clicking a link in an email. Pharming is enabled by spyware, malware or other software that’s illegitimately installed on a user’s computer.
Identity theft involves the impersonation of an individual through the fraudulent use of his or her personal and account information — e.g., driver’s license, Social Security, bank account and other numbers, as well as user names and passwords.
Identity thieves obtain information in a number of ways:
Installed on your computer without your authorization, spyware is software that collects information about you — the passwords you use, the websites you visit — simply by watching you type or surf the Web.
Spyware gets installed through:
Computers infected with spyware typically:
Adware and malware are related forms of unwanted software that can either slow down your computer — or take it over for nefarious purposes such as sending email you didn’t write or spreading computer viruses.
If you suspect your computer has been infected with spyware, adware or malware, take the necessary steps to remove the unwanted software from your computer.
Learn more about fraud and how you can spot it at OnGuardOnline.gov.
The most important steps you can take to prevent fraud online are to:
Take these additional steps to protect your personal information:
To keep your information safe, we:
If you have an account with American Funds and suspect that your identity has been stolen, please contact us immediately. We will then take the appropriate steps to monitor your account.
Additionally, we recommend that you place a fraud alert on your accounts by contacting any one of these three consumer-credit companies:
Please note: You only need to inform one consumer-credit company since, by law, it must share your fraud alert request with the other two.
Once you have requested the fraud alert, you are entitled to free copies of your credit report. Review it for suspicious activity and inaccuracies.
If you find unauthorized accounts or charges, take the appropriate steps to get them corrected.
What to Do if You Receive a Suspicious American Funds Email
If you doubt the legitimacy of any email messages received from American Funds, do not click on the links included in the email. Open a new Web browser window and type in our Web address: www.americanfunds.com. Then log in to your account.
If you suspect that you’ve received a fraudulent email, forward it to us immediately at email@example.com. Please note: This email address is able to handle only messages related to suspected email fraud. Please do not use this email address to send us general questions about your account(s). If you have general questions, please contact us.
If you are uncomfortable forwarding suspicious email, you may also call us.
Please be sure to write down the title of the email you received, along with the sender’s name or address and the file names of any attachments.
Capital Group considers the privacy of its investors to be of fundamental importance and has established a policy to maintain the confidentiality of the information you share with us.
We do not sell information to third parties. However, we may collect and retain certain nonpublic personal information about you, including:
We occasionally disclose nonpublic personal information about you to affiliates and non-affiliates as permitted by law. Some instances when we have shared information include:
These measures reflect our commitment to maintaining the privacy of your confidential information. We appreciate the confidence you have shown by entrusting us with your assets.
To comply with federal regulations, information we receive from you will be used to verify your identity.
The Internet: The Capital Group websites are proprietary. While we strive to protect all information we receive when you log on to the websites, we cannot guarantee the security of any information you transmit to us online, and you do so at your own risk. By entering the password-protected areas of our websites, you consent to our contacting you to discuss our products and services. We do not look for Web browser “do not track” requests.
and American Funds Target Date Retirement Series®:
Each year, you are automatically sent an updated summary prospectus and annual and semi-annual reports for the fund. You may also occasionally receive proxy statements for the fund. In order to reduce the volume of mail you receive, when possible, only one copy of these documents will be sent to shareholders who are part of the same family and share the same household address. If you would like to opt out of household-based mailings, please call us or write to the secretary of the fund at 333 South Hope Street, Los Angeles, California 90071. You may elect to receive these documents electronically in lieu of paper form by enrolling in e-delivery.
If there is no activity in your account within a time period specified by state law, we may be required to transfer the account to the appropriate state.
For information about your account or our services, please contact your financial intermediary. You may review and correct any personal information by logging in to Your Portfolio and visiting the Profile & Settings page or by calling us for assistance.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses , which can be obtained from a financial professional and should be read carefully before investing.
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.