Website Security

Why is my browser’s address bar green?

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You may have noticed that on several pages within the secure portion of our website, the browser’s address bar is green. You can also see our name (Utah Educational Savings Plan) and country location (US) inside the security status bar to the right of the address bar. This extended validation means we take extra security measures to protect your privacy. This green bar also lets you know that you are on UESP's official website.

 

What kind of web security does UESP offer?

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UESP has always maintained a Secure Socket Layer (SSL) certificate that enables encryption of information. Information you provide to us on secure pages is encrypted by your computer and decrypted once it reaches UESP.

The extended validation SSL certificate ensures information is secure in transit, while also identifying the name of the entity holding the certificate (in this case, UESP). This is an added protection against identity theft and online fraud scams, which redirect your information to a website that seems legitimate, but is actually a phony duplicate of the real site.

 

If I don’t see the green address bar, how do I know that your site is secure?

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Browsers other than the latest version of Internet Explorer and Firefox may not show the green address bar. However, you can check whether your web session is secure by looking for “https://” at the beginning of the website URL. The “s” means that the web connection is secure.

 

What are some tips to enhance my online security?

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1. Protect your online accounts
When using online accounts, consider the following:

  • Use uncommon words or phrases for your username. You should not use your U.S. Social Security or Taxpayer Identification Number, birth date, family names, etc.
  • Avoid keeping a written record of your username and password (especially in the vicinity of your computer).
  • Always log out of your online account before leaving a computer, especially if using a public computer.

2. Beware of phishing scams
Phishing is a type of online fraud using e-mail requests to entice you to provide personal and confidential information, including online IDs, passwords, U.S. Social Security or Taxpayer Identification Number, and account numbers. To avoid being hooked by a phishing scam:

  • Don’t respond to e-mails asking for login information.
  • If you receive an e-mail from someone you do not know, don’t open attachments or click links.
  • Double check the web address in the URL bar, and look for the green security bar on secured sites.
  • If you receive a suspicious e-mail claiming to be from UESP, contact UESP toll-free immediately at 800.418.2551.

3. Create quality passwords
Use a combination of numbers and letters in your password; then memorize it. Refrain from using the same password for more than one account. Don't use your U.S. Social Security or Taxpayer Identification Number as a password.

4. Install a firewall
A firewall provides digital protection for your computer network. Many operating systems may have this feature built in. If you do not currently have a firewall, UESP recommends that you obtain this software to protect your sensitive online information.

5. Use the most current web browser
By using the most current version of your web browser, you ensure you will have a more secure Internet session.

6. Use anti-virus software
Anti-virus software provides some level of protection against computer viruses, including those that forage for personal information.

 
 
 

Important Legal Notice

You should read the Program Description and consider all investment objectives, risks, charges, and expenses before investing. The Program Description is available for download on the web or a hard copy can be mailed to you by requesting it online here.

FDIC Insurance. Except for the underlying investment specified below, investments in UESP are not insured by the Federal Deposit Insurance Corporation (FDIC). FDIC insurance, up to applicable limits, is provided for the FDIC-insured accounts held in trust by UESP at Sallie Mae Bank and U.S. Bank National Association (U.S. Bank) (collectively Banks). Contributions to and earnings on the FDIC-insured accounts are allocated between the Banks according to the following percentages: Sallie Mae Bank (90 percent) and U.S. Bank (10 percent). Money in the FDIC-insured accounts is insured by the FDIC on a pass-through basis to each account owner at each Bank up to the maximum amount set by federal law, which is $250,000. The amount of FDIC insurance provided to an account owner is based on the total of (1) the value of an account owner’s investment in the FDIC-insured account at each Bank plus (2) the value of other accounts held (if any) at each Bank, as determined by the Banks and by FDIC regulations.

No Other Insurance and No Guarantees. Investments in UESP are neither insured nor guaranteed by the State of Utah, UESP, the Utah State Board of Regents, the Utah Higher Education Assistance Authority, other state agencies, federal government agencies (except to the extent noted above regarding FDIC insurance), or any employees or directors of any such entities. Units in UESP have not been registered with the United States Securities and Exchange Commission or with any state securities commission.

Account Value. The value of your UESP account may vary depending on market conditions and the performance of the UESP investment option you select. It could be more or less than the amount you contribute; in short, your investment could lose value. However, subject to the application of the rules and regulations of the Banks and the FDIC to each account owner, money in the FDIC-insured accounts will retain its value, whether in the FDIC-Insured investment option or when allocated to portions of another investment option that have the FDIC-insured accounts included as an underlying investment.

Non-Utah Taxpayers and Residents. You should determine whether the state in which you or your beneficiary pay taxes or live offers a 529 plan that provides state tax or other benefits not otherwise available to you by investing in UESP. You should consider such state tax treatment and benefits, if any, before investing in UESP.