Privacy and Security

Trust is the foundation of any solid relationship. At American Century Investments®, trust takes on even greater importance because you are entrusting your money to our care. We understand you are also entrusting us with your goals and plans for your financial future. We take that responsibility seriously and work hard to do the right thing by providing solid value, excellent investment management and the best service possible. As the Program Manager for the Learning Quest® 529 Education Savings Program and the Schwab 529 Plan, we apply this same integrity to protecting your privacy.

Review our Privacy Notice to understand how we protect your personal information.

Learn more about the information we gather online and how you can protect yourself:

  • California Residents
  • Our Use of Web Analytics
  • Our Use of Cookies and Clear Gifs
  • Online Contests
  • Secure Online Account Access
  • Web Browser Requirements
  • Contacting American Century Investments
  • Notification of Changes
  • Effective Date of this Policy

California Residents

California law provides additional privacy rights to California residents. Review our California Privacy Notice to understand these rights and how California residents can exercise them.

Our Use of Web Analytics

We use third party tools to track the usage of our website. Tracking information does not include any personally identifiable information. Cookies are set on behalf of American Century Investments which report this data so we can better understand our users and to improve our site.

Our Use of Cookies and Clear Gifs

If you conduct business with Learning Quest 529 Education Savings Program online, you may notice our use of Internet cookies. Cookies enable our systems to recognize your browser and customize your experience on our website and help us better understand how our investors use our website.

What is a cookie?
A cookie is a small piece of alphanumeric information placed on your computer by the website you are visiting. It allows the website to remember or recognize your computer during subsequent visits. Although websites use cookies for different purposes, one important function is to allow a site to personalize your experience. For example, cookies help us better understand how account owners use our website so we can improve your online experience. Once you are logged in, cookies maintain your security as you move from page to page within the site.

What types of cookies do websites put on my computer?

  • Temporary - Cookies that are stored on your computer only during your browsing session, and are automatically deleted from your computer when you close your browser. No information is collected from your computer.
  • Persistent - Cookies that are stored on your computer and are not deleted when you close your browser. Permanent cookies retain your preferences for a particular website, allowing those preferences to remain for future browsing sessions. No information is collected from your computer.

How does American Century Investments use cookies?
We use cookies to facilitate your use of our website. These cookies do not collect or contain any personally identifiable information. Examples of how we use cookies include:

Where a Cookie is Used Cookie Type Description  
All Secure Pages Temporary We use temporary cookies on all secure pages. These cookies store a session ID that is not personally identifiable to you, allowing you to move from page to page without having to log in repeatedly.
All Pages Persistent These cookies allow us to pre-populate information to enhance the user experience (i.e. remembering a user's username for login purposes).


What is a Clear Gif and How Are They Used?
A clear gif, also known as a Web Beacon, is similar in function to cookies. It is a tiny graphic with a unique identifier that is invisible on the page and much smaller, about the size of the period at the end of this sentence. Clear gifs track online web movements of our users and inform us what content is effective. Clear gifs are not tied to users' personal information.

In addition, we may use clear gifs in our HTML-based emails to let us know when they have been opened by the recipients. This allows us to understand the effectiveness of our communications and tailor future emails to meet user needs.

Users may choose to opt-out of these emails through the following link:

Unsubscribe from Email for Individual Investors

Online Contests

Occasionally American Century Investments may conduct online contests. Personal information collected during these contests may be used to market Learning Quest products and services.

Secure Online Account Access

You will be required to create a User Name that must contain six to 25 characters; characters can only contain letters, numbers, underscores, periods, and dashes. The Username cannot contain your full Social Security Number.

You will be required to create a Password that must be at least 8 characters long and a maximum of 32 characters, containing at least 3 of the 4 following criteria: upper case, lower case, numeric, or special characters such as !, @, #, $, % etc. The password cannot contain your username, first name, last name or account number or special character "|".

A timeout feature will automatically end your secure session if you are not active for 30 minutes. To restart your Registration session, you will need to log in again. After three failed attempts to log in, we lock the account to prevent access to personal information within the website.

Web Browser Requirements

We require users to access their accounts online with browsers that use Secure Sockets Layer (SSL) technology with VeriSign encryption. This technology helps enable the security of your online sessions. If for any reason your session is no longer secure, you will be disconnected from online account access.

If a session is secure, it means that it is encrypted. Every secure page on Learning Quest's website has been secured with a digital certificate by VeriSign. We use SSL v3, VeriSign and proprietary encryption algorithms to secure your connection when you are accessing your account online. Learning Quest requires 128-bit encryption, the strongest encryption available, and SSL v3 to provide you with secure access to your account information.

Use the information in the chart below to help you determine the security features within your browser.

Browser Secure Connection Non-Secure Connection  
Chrome (latest version) Lock No lock
Microsoft Internet Explorer (version 8.0 or later) No lock
Mozilla Firefox (latest version)
Safari (latest version)


To view the encryption certificate, click on the image of the closed lock or the solid key on the bottom bar of your browser window. A small frame displaying site security information will appear. If you use Internet Explorer, click on the word "Subject " to verify the website.

This site may contain links to other sites. American Century Investments is not responsible for the privacy practices or the content of such websites.

Contacting American Century Investments

American Century Investments believes that your privacy should be respected. We appreciate and take seriously your trust in us and our ability to safeguard your personal information. For more information about our privacy commitment, please contact a Learning Quest Specialist at 1-800-579-2203. If you use a financial representative call 1-877-882-6236.

Notification of Changes

We will post any changes to this privacy statement so users are always aware of what information we collect, how we use it, and under what circumstances, if any we disclose it. If, however, we are going to use personal information in a manner different from that stated at the time of collection we will notify users by posting a notice on our website for 30 days prior to implementing the change.

Effective Date of this Policy

January 1, 2024