ThinkNirvana Foundation · AIPEP401K · Nirvana Ledger LLC
ThinkNirvana Foundation, Inc. ("ThinkNirvana," "we," "us," or "our") is a Maryland nonprofit corporation operating as a Pooled Plan Provider under ERISA §413(e). We operate AIPEP401K, a pooled employer 401(k) plan. Technology infrastructure is provided by Nirvana Ledger LLC under license.
This Privacy Policy covers ThinkNirvana Foundation, AIPEP401K, and the websites aipep401k.com and thinknirvana.org.
When you join the AIPEP401K waitlist or contact us, we collect:
For enrolled participants, we collect personal and financial information required by ERISA and IRS regulations, including name, Social Security Number, date of birth, compensation, and contribution elections. This information is encrypted at rest using AES-256 encryption and is never stored in plaintext.
We use Google Analytics to understand how visitors use our sites. This includes page views, time on site, and general geographic region. We do not use advertising trackers or sell browsing data.
Waitlist data is stored in Google Sheets, accessible only to ThinkNirvana Foundation staff. Participant plan data (when the plan launches) is encrypted at rest using AES-256 via pgcrypto and transmitted over TLS 1.3. Bank account connections are verified via Plaid — we never store full account numbers.
You have the right to:
To exercise any of these rights, email hello@thinknirvana.org with the subject line "Privacy Request."
Our websites use minimal cookies — only those required by Google Analytics for usage measurement. We do not use advertising cookies or cross-site tracking.
We may update this policy as our services develop. Material changes will be noted at the top of this page with an updated effective date. Continued use of our sites constitutes acceptance of the updated policy.
ThinkNirvana Foundation, Inc.
Olney, Maryland
Email: hello@thinknirvana.org
Subject line: "Privacy Request"
By accessing aipep401k.com or thinknirvana.org (the "Sites"), you agree to these Terms of Service. If you do not agree, please do not use the Sites.
These Sites provide general information about ThinkNirvana Foundation and the AIPEP401K pooled employer plan. They are not investment advisory platforms, financial planning tools, or retirement counseling services.
Nothing on these Sites constitutes investment advice, legal advice, tax advice, or a recommendation to purchase any financial product. Fee comparisons and savings estimates are for illustrative purposes only based on publicly available industry data. Your actual results will vary based on your specific circumstances. Please consult a qualified financial, legal, or tax advisor before making any decisions.
Joining the waitlist does not constitute enrollment in the AIPEP401K plan and creates no contractual obligation on either party. Actual plan enrollment is governed by a separate Adoption Agreement and Plan Document. Plan availability is subject to regulatory approvals and launch timeline.
We make reasonable efforts to keep information on these Sites accurate and current. However, we make no warranties about the completeness, accuracy, or timeliness of any information. SECURE 2.0 tax credit amounts and eligibility are subject to IRS guidance and your specific business circumstances.
All content on these Sites — including text, design, code, and branding — is owned by ThinkNirvana Foundation, Inc. or Nirvana Ledger LLC and protected by copyright. "AIPEP401K" and "ThinkNirvana" are trademarks pending registration with the USPTO.
Vanguard®, Fidelity®, Empower®, Gusto®, ADP®, Paychex®, and other third-party names referenced on these Sites are trademarks of their respective owners. ThinkNirvana Foundation is not affiliated with, endorsed by, or sponsored by any of these companies.
To the maximum extent permitted by law, ThinkNirvana Foundation and Nirvana Ledger LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of these Sites or reliance on information contained herein.
These Terms are governed by the laws of the State of Maryland, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Montgomery County, Maryland.
We may update these Terms at any time. Continued use of the Sites after changes are posted constitutes acceptance of the updated Terms.
ThinkNirvana Foundation, Inc.
Olney, Maryland
Email: hello@thinknirvana.org
Plan name: AIPEP 401(k) Pooled Employer Plan
Plan type: Pooled Employer Plan (PEP) — Defined Contribution 401(k)
Pooled Plan Provider: ThinkNirvana Foundation, Inc.
ERISA §413(e) registration: In process — registration being completed with the U.S. Department of Labor prior to first employer enrollment
EIN: To be added upon completion of nonprofit registration
AIPEP 401(k) does not use a 3(38) investment manager. ThinkNirvana Foundation serves as Named Investment Fiduciary and makes all investment decisions directly, consistent with the plan's Investment Policy Statement (IPS). The IPS is available to participating employers upon request.
The plan offers five Vanguard index funds exclusively:
No revenue sharing, sub-transfer agency fees, or 12b-1 fees are accepted from any fund company. The plan receives no compensation from fund providers.
Full fee disclosure is provided to employers and participants through the formal enrollment documents including the 408(b)(2) disclosure and participant fee disclosure notices. A summary:
As Pooled Plan Provider, ThinkNirvana Foundation files a single master Form 5500 on behalf of all participating employers annually. Individual employers are relieved of their Form 5500 filing obligation upon joining the plan.
The following documents govern plan operations and are available to employers and participants upon request:
Employers, participants, and their authorized representatives may request any plan document or disclosure by contacting us at:
ThinkNirvana Foundation, Inc.
Olney, Maryland
Email: hello@thinknirvana.org
Subject line: "ERISA Disclosure Request"
We will respond within 5 business days.