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THE INSTITUTES PRIVACY POLICY

EFFECTIVE DATE: July 16th, 2021

The Institutes, its subsidiaries, and its affiliated or controlled organizations
(collectively, “The Institutes”) are committed to meeting the evolving
professional development needs of the risk management and insurance community
and to protecting the privacy of its members, customers, students and visitors
to and users of their websites, apps and Services (as defined below). They
prepare individuals to fulfill their professional and ethical responsibilities
by offering customer-focused and innovative educational, research, networking,
and career resource solutions

This Privacy Policy describes the types  of information that The Institutes
collects from and about you when you (i) visit any of The Institutes websites
(each a “Website”) or mobile applications (each an “App) where this policy (or a
link to this policy) is posted; or (ii) use any of The Institutes other services
including, without limitation, purchase an exam, webinar, or other educational
materials, access The Institutes Community or otherwise interact with us or
request services from us as described further in this Privacy Policy
(collectively, the “Services”). This Privacy Policy also explains how The
Institutes may use and disclose such information, as well as your ability to
control certain uses of your personal information.  The purpose of this Privacy
Policy is to notify you about our practices regarding the information we collect
through the Website or App from which you are accessing this Privacy Policy and
in connection with your use of the Services. The Institutes may share
information we collect with our affiliate and subsidiary organizations. This
Privacy Policy applies only to our Services, Websites and Apps.

By accessing this Website, App and/or our Services, you agree to the terms and
conditions of this Privacy Policy. If you do not agree with the terms and
conditions of this Privacy Policy, you are hereby instructed not to access or
use information provided by the Website or App, to submit information to the
Website or App, use our Services or to engage in any transactions through the
Website or App.

INFORMATION COLLECTION

Information You Provide

We collect information from you when you choose to share it with us. This may
include when you register to become a member, customer or student of The
Institutes Knowledge Group or otherwise use our Services, whether through a
Website, App or over the phone. “Personal information” or “personal data” is any
information that can be used to identify an individual, directly or indirectly,
including, but not limited to:

 * Personal identifiers, such as name, address(es), email address(es), fax
   number, telephone numbers, or mobile numbers;
 * Protected classification information, such as age, sex, gender, nationality,
   date of birth, or marital status;
 * Commercial information, such as credit or debit card number or other
   financial information;
 * Biometric information, such as facial recognition;
 * Video images and audio of you and those that come within range of your
   cameras;
 * Internet usage information, such as browsing time, cookie information,
   Internet Protocol (“IP”) address, or website history;
 * Employer-related information, such as your title and the company’s name,
   address, and phone number;
 * User account information, such as The Institutes account number;
 * Geolocation of any computer, mobile device, or other electronic device used
   to access a Website or App;
 * Information regarding the Services purchased;
 * Information regarding your usage of, and performance of, our Services and
   Apps; and
 * Charges you incur and other information relating to your transactions.

If you submit to us or to our service providers any personal information
relating to other people in connection with the Services and Website, you
represent that you have the authority to do so and to permit us to use the
information in accordance with this Privacy Policy.

We will never solicit or require you to send us any special categories of
personal data (including information related to racial or ethnic origin or
religious or philosophical beliefs). We ask that you do not send or disclose any
special categories of personal data to us on or through the Services or Websites
or otherwise. Please note that if you do send or disclose such information, you
do so voluntarily.

Notwithstanding the foregoing, on occasion The Institutes may collect personal
information or demographic information through The Institutes’ Websites with the
intent to afford more privacy for such information than is otherwise set forth
in this Privacy Policy. In those relatively rare situations where The Institutes
do so it will clearly disclose to you at the time it collects such information,
what degree of privacy will be afforded to the personal information and
demographic information collected at such time; and The Institutes will follow a
process to assure that the specifically disclosed degree of privacy is in fact
afforded to such information. For example, The Institutes may collect survey
information through a survey where The Institutes’ use of any personal
information from that survey is more limited than this Privacy Policy would
otherwise allow; in such a case The Institutes will disclose the stricter
privacy policy governing that survey information at the time such personal
information is collected from the survey respondent.


INFORMATION COLLECTED FROM THIRD PARTIES OR OTHER SOURCES

We may obtain personal or other information about you from third parties or
other sources, and combine this information with the information we collect from
and about you through the Websites, Apps and Services. Such information may
include, but is not limited to:

 * Information, including geolocation information, collected through one of our
   mobile applications;
 * Information obtained through communications that you make through a third
   party;
 * Information obtained through transactions you complete with us, including
   charges you incur;
 * Information about your credit history or other publicly available information
   about you from consumer reporting agencies;
 * Through third parties, public databases, joint marketing partners, and social
   media:
   * We may receive your personal data from other sources, such as public
     databases, joint marketing partners, social media platforms, people with
     whom you are friends or otherwise connected on social media platforms, and
     other third parties. We may collect personal data from you offline, such as
     when you attend one of our programs, place an order over the phone, or
     contact Customer Success; and
 * Any other information obtained through companies that have business
   relationships with us, such as our licensees, subsidiaries, controlled or
   affiliated organizations, and business partners.

 We may also obtain information about you from other online sources, including
when you connect with The Institutes through its official corporate pages on
third-party social networks (such as Facebook, LinkedIn, Instagram) or the
“apps” on those pages. This information may include, but is not limited to,
name, user name, demographic information, updated address or contact
information, interests, and publicly-observed data, such as from social media
and online activity. We may combine this information with the information we
collect from and about you through the Services.


INFORMATION AUTOMATICALLY COLLECTED

We may use cookies, web beacons, pixel tags, JavaScript, or other technologies
to collect certain information about visitors to any of our Websites or Apps and
interactions with our emails and online or mobile advertisements, and may use
such information to allow The Institutes to keep track of analytics and certain
statistical information that enables us to improve our Websites and Apps and
provide you with more relevant content and advertising on our Websites, Apps, or
other websites or mobile applications.

For example, we may automatically collect certain information from you,
including but not limited to your browser type, device type, operating system,
software version, IP address, geolocation, phone model, phone operating system,
and the domain name from which you accessed the Services or the Website. We also
may collect information about your use of a Website or App, including the date
and time you visit the Website or App, the areas or pages of the Website or App
that you visit, the amount of time you spend viewing or using the Website or
App, the number of times you return to the Website or App, other click-stream or
site usage data, emails that you open, forward or click-through to our Website
or App, and other websites that you may visit.

We may also use third-party cookies and other technologies to support our
Services, provide services on our behalf, facilitate business transactions on
our behalf, or provide relevant advertising to you. Some of these third parties
may use technology such as cookies, web beacons, pixel tags, log files, or Flash
cookies on our Websites or Apps, which may send some of the above-referenced
information to those third parties.


TRACKING OPTIONS AND CALIFORNIA DO NOT TRACK DISCLOSURES

Certain parts of our Websites and Apps require cookies. You are free to set your
browser or operating system settings to limit certain tracking or to decline
cookies, but by doing so you may not be able to use certain features on the
applicable Website or App, or take full advantage of all of our offerings.
Please refer to your Web browser’s or operating system’s website or “Help”
section for more information on how to delete and/or disable your browser or
operating system from receiving cookies or controlling your tracking
preferences.

Our system may not respond to Do Not Track requests or headers from some or all
browsers. To learn more about the use of cookies or other technologies to
deliver more relevant advertising and to know your choices about not having this
information used by certain service providers, please click here and here. On
your mobile device, you may also adjust your privacy and advertising settings to
control whether you want to receive more relevant advertising.

Certain parts of our Websites and/or Apps may also include advertisements from
third parties. You can opt-out of being targeted by certain third-party
ad-servers and The Institutes served ads online using the National Advertising
Initiative’s opt-out tool, the About Ads opt-out tool, or on TRUSTe’s site.

This Privacy Policy does not cover the collection methods or use of the
information collected by Third-Party Ad-Servers, and The Institutes is not
responsible for cookies or other tracking technology in third-party ads. We
encourage you to review the privacy policies or statements of these third-party
advertising companies to learn more about their use of cookies and other
technologies. If you would like more information about this practice and to know
your choices about not having this information used by third-party advertisers,
please visit http://www.networkadvertising.org and
http://www.aboutads.info/choices/.


COMBINATION OF INFORMATION

We may combine the information we receive from and about you, including
information you provide to us and information we automatically collect through
our Websites and Apps, as well as information collected from other online
sources or from third-party sources to help us tailor our communications to you
and to improve our Services.

INFORMATION USE


HOW WE MAY USE PERSONAL DATA

The Institutes may use the Information we collect from and about you for any of
the following purposes:

 * To validate, confirm, verify, and track your account, products or Services
   (including to process payment card transactions, or to contact you about your
   account, products or Services);
 * To enhance your online experience, including as a way to recognize you and
   welcome you to a Website or App, make the account usage and purchasing
   process faster and smoother and provide you with customized Website or App
   content, targeted offers, and advertising on Websites, Apps (including
   geo-targeted advertising), or via email, telephone, text message, or by mail;
 * To recognize your online activities over time and across different websites
   and devices;
 * To contact you with information, newsletters, promotional materials and
   contests from The Institutes or on behalf of our business partners, sponsors,
   licensees, and affiliates;
 * We may also share user information with our co-sponsors, affiliated
   organizations, subsidiaries, business partners and service providers to offer
   products or services which we believe may be valuable or useful to our
   visitors. They may use a pixel tag or other similar technology to collect
   anonymous information about your visits to the Websites, and they may use
   that information to target advertisements for our products and Services;
 * To use your data in an aggregated non-specific format for analytical and
   demographic purposes;
 * To review the usage and operations of our Websites or Apps, and improve our
   content, products, and services; and
 * To protect the security or integrity of the Websites, Apps, and our business,
   such as by protecting against and preventing fraud, unauthorized
   transactions, claims and other liabilities, and managing risk exposure,
   including by identifying potential hackers and other unauthorized users.

 * Customer Success.
   * To process your membership with The Institutes; complete, fulfill, and
     communicate with you regarding your request to participate in a program;
     provide you with study materials; and provide you with related customer
     service. Our server may store this information so that registering for
     future seminars will be quicker and easier.
   * To process your payments and orders, deliver your order reports to you,
     communicate with you regarding your membership or login, and provide you
     with related customer service.
   * To respond to your inquiries and fulfill your requests, such as to send you
     study materials, newsletters, brochures, catalogs, and emails.
   * To diagnose problems.
   * To facilitate social sharing functionality.
   * To allow you to send messages to a friend through the Services or Websites.
     By using this functionality, you are telling us that you are entitled to
     use and provide us with your friend’s name and email address.
 * Marketing.
   * To send you messages about The Institutes newsletters, offers, promotional
     announcements, and consumer surveys. Occasionally, we may send you special
     offers and promotional information via email or postal mail using the
     shipping address provided.
   * To send you marketing communications that we believe may interest you.
   * To personalize your experience of the Services and Websites by presenting
     products and offers tailored to you.
 * Analytics.
   * Aggregated and nonaggregated data analysis to detect, monitor, and prevent
     fraud or to perform processing or data auditing.
   * Aggregated and nonaggregated data analysis to enhance services.
   * Aggregated analytics for developing new products; enhancing, improving, or
     modifying our Services or Websites; identifying usage trends; determining
     the effectiveness of our promotional campaigns; and operating and expanding
     our business activities.
   * Data analysis using geo-fencing, cookies, web beacons, and similar
     technologies to keep track of what users view, how long they spend on
     different pages, and how they arrived on a particular page (for example,
     through a search query, link from another property, or bookmark).

 * Legal Obligations.
   * To send administrative information to you—for example, information
     regarding your membership status; the Services and Websites; and any
     changes to our terms, conditions, or policies.
   * As we believe to be necessary or appropriate: (a) under applicable law,
     including laws outside your country of residence; (b) to comply with legal
     processes; (c) to respond to requests from public and governmental
     authorities, including public and governmental authorities outside your
     country of residence; (d) to enforce our terms and conditions; (e) to
     protect our operations; (f) to protect our rights, privacy, safety, or
     property and/or that of you or others; and (g) to allow us to pursue
     available remedies or limit the damages we may sustain.
   * Otherwise to comply with all applicable law.
 * Business Needs.
   * Payment processing, contract management, website administration, web-forum
     administration.
 * Forums and Communities.
   * The information we collect in connection with our online forums and
     communities is used to provide an interactive experience. We use this
     information to facilitate participation in these online forums and
     communities and, from time to time, to offer you products, programs, or
     services. If you choose to submit content (for instance, through discussion
     or comments in the community pages, online forums, or communities), we may
     publish your name, screen name, and other information you have provided to
     us. You hereby consent to this publication and use.
 * Other. As otherwise described to you at the point of data collection

Additionally, if you use any of the Websites or Apps to connect with third-party
services you authorize us to use information from and about you, on your behalf,
to interact with these third-party services based on your requests.


HOW YOUR PERSONAL DATA MAY BE DISCLOSED OR SHARED

Your personal data may be disclosed or shared with:

 * Affiliates and Partners. With our subsidiaries, affiliates, or business
   units, select licensees and business partners that we believe may have offers
   of interest to you, including for their own marketing purposes.
 * Third-Party Service Providers and Vendors. With our third-party service
   providers that provide services such as data analysis, payment processing,
   order fulfillment, experience personalization, business, professional or
   technical support, information technology and related infrastructure
   provision, customer service, email delivery, credit card processing,
   auditing, and similar services.
 * Social Networks. By you on message boards, chats, profile pages and blogs,
   and other services to which you are able to post information and materials
   (including, without limitation, The Institutes Community pages and our social
   media pages). Any information you post or disclose through these services
   will become public information and may be available to users of the Services
   or Websites and to the general public. We urge you to be very careful when
   deciding to disclose your personal data, or any other information, on the
   Services or Websites. We share your personal information with various social
   media and networking platforms and websites (such as Facebook, Google and
   LinkedIn) and other providers for use in connection with retargeting
   platforms and services (such as Facebook’s Custom Audience tool, Google
   AdWords and others) that deliver advertisements to our users, customers,
   students, and test-takers (collectively, “customers”). Specifically, The
   Institutes may share personal information it collects with from its customers
   (such as email addresses and phone numbers) with Facebook and others to make
   its advertisements and offerings more responsive to its customers interests
   and to those of other similar or like-minded individuals. The Institutes may
   share your email address and phone number with Facebook (or other providers)
   for the purpose of creating “Custom Audiences” (where targeted interest-based
   ads are displayed to people using Facebook who are customers of The
   Institutes), and “Lookalike Audiences” (where targeted ads are sent to people
   on Facebook who have similar characteristics to people on The Institutes
   Custom Audience list). This tool (and others like it) allow The Institutes to
   personalize its ads based on your interactions with The Institutes. Third
   parties, including Facebook, may use cookies, web beacons, and other storage
   technologies to collect or receive information from The Institutes website
   and elsewhere on the internet and use that information to provide The
   Institutes measurement services and target ads.
 * Interest-Based Advertising. With companies with which we may partner whose
   products or services we believe will interest our users. Either we or our
   partners occasionally send promotional announcements to particular customers.
   The Institutes may use a vendor to carry out our mailings. We do not
   automatically include our users in any particular marketing promotion;
   instead, we use a variety of factors, including user activity at the Website
   or a customer’s attainment of a certain certificate or designation, to
   determine the appropriate audience (for example, the personal data of top
   scorers may be shared with other organizations). We may share your personal
   data (name, email, etc.) with other organizations, including other nonprofit
   organizations, whose products or services we believe will interest our users,
   and they may reach out to you regarding their services, products, or
   initiatives.
 * Mailing Providers. If you correspond with us via email, the postal service,
   or another form of communication, we may retain such correspondence and the
   information contained therein and use such to respond to your inquiry and/or
   notify you of our conferences, news, or related opportunities. Importantly,
   email and postal address information is never sold, given, or otherwise
   shared or disclosed to third parties except as set forth herein. If you do
   not wish to receive such notifications, you may express your preference to
   not be so contacted by sending a letter or by calling or emailing The
   Institutes at the contact information below, informing us of your preference.
 * Contemplated or Actual Sale. With a third-party in the event of any
   reorganization, merger, sale, joint venture, assignment, transfer, or other
   disposition of all or any portion of our business, assets, or stock
   (including in connection with any bankruptcy or similar proceedings). The
   Institutes may sell or purchase assets during the normal course of our
   business. If another entity acquires us or any of our assets, information we
   have collected about you may be transferred to such entity. In addition, if
   any bankruptcy or reorganization proceeding is brought by or against us, such
   information may be considered an asset of ours and may be sold or transferred
   to third parties. Should such a sale or transfer occur, we will use
   reasonable efforts to try to require that the transferee use personal
   information provided through the Services in a manner that is consistent with
   this Privacy Policy.
 * Legal Compliance. As we believe to be necessary or appropriate: (a) under
   applicable law, including laws outside your country of residence; (b) to
   comply with legal processes; (c) to respond to requests from public and
   governmental authorities, including public and governmental authorities
   outside your country of residence; (d) to enforce our terms and conditions;
   (e) to protect our operations; (f) to protect our rights, privacy, safety, or
   property and/or that of you or others; (g) to provide information to law
   enforcement or regulatory agencies or in connection with an investigation on
   matters related to public safety, as permitted by law, or otherwise as
   required by law; and (h) to allow us to pursue available remedies or limit
   the damages we may sustain.
 * Membership Directory. The Institutes make member information available
   through The Institutes Member Directory using this Website. In addition, The
   Institutes may incorporate information members provide into hard copies of a
   membership directory that may be provided to members. You may opt out of
   having your information included in this directory. Please refer to “How You
   Can Access and Manage Your Personal Data”.
 * Designation/Certificate/Course/Conferences/Exam Information
   * Unless you have taken affirmative action to set your account information as
     “Confidential”*, The Institutes will confirm whether a
     customer/student/examinee holds an Institutes designation or certificate,
     or is a member of the Society of Chartered Property and Casualty
     Underwriters (CPCU Society), upon the request of a third-party because,
     among other reasons:
   * It is in the public’s interest to know whether someone holds a credential
     or designation.
   * It assists in enforcing the CPCU Code of Professional Conduct.
   * Lists of designation program completers and CPCU designees who participate
     in the Continuing Education for CPCUs program are a matter of public
     record.
     * The public may determine that someone holds an Institutes designation or
       certificate by using the search program on our Website.
     * CPCU Society members may log on to the CPCU Society website and perform a
       membership search.
     * The public may find designees who are participants in the Continuing
       Education for CPCUs program by searching the CE for CPCU Active
       Participants List on our Website.
 * Unless you have taken affirmative action to set your account information as
   “Confidential”*, The Institutes may release course and exam information to a
   student’s/examinee’s/customer’s employer and various state departments and
   continuing education (CE) filing organizations to be used for various
   purposes, such as facilitating payments for Institutes coursework, reporting
   CE credits, and employee recognition.
 * Unless you have taken affirmative action to set your account information as
   “Confidential”*, The Institutes may publish a CPCU class list and other lists
   naming individuals who have earned a designation or certificate in the news
   media or for recognition purposes at various insurance organization meetings.
 * The Institutes may provide their affiliated organizations and subsidiaries
   with their customers’ personal data for the purpose of making customers aware
   of certain educational opportunities, news, activities, additional courses
   and programs, services, and membership benefits available to them.
 * The Institutes may release personal data to their instructors so that
   instructors can monitor examination pass ratios and recognize educational
   achievement and for related reasons.
 * In connection with conferences they host, The Institutes may provide an
   attendee list (the same list provided to attendees at the event) to the
   sponsors, co-sponsors, and exhibitors.
 * The Institutes may also make available (through a third-party mailing
   service) addresses for use by sponsors, co-sponsors, and exhibitors in one
   pre- and one post-conference mailing. If you do not wish to receive the
   information from such sponsors, co-sponsors, and exhibitors, you may express
   your preference to not be so contacted by either checking the appropriate box
   on the registration form at the time of registration or by sending a letter,
   calling, or emailing The Institutes at the contact information below,
   informing us of your preference. By accessing this Website/Services/program,
   you are aware of and approve of The Institutes acquiring licensing
   information from national and state associations and organizations for the
   sole purpose of CE compliance. Acquired data will not be sold or provided to
   any third-party.
 * Other. As otherwise described to you at the point of collection.

For The Institutes, CEU, Agent & Broker and CPCU Society

* In order to set your account information as “Confidential”, you  must go to
the My Account dashboard and make the appropriate change in the Current Employer
section or contact The Institutes to make such request in accordance with the
instructions set forth below under Contact Us.  Please note, setting your
account to “Confidential” means that The Institutes will not confirm to any
third-party (including your current or potential employer or a governmental
agency) that you hold a designation or certificate, are enrolled in a course or
are registered to sit for any exam. In addition, your name will no longer appear
as a course/exam passer or program completer on lists provided by The Institutes
to your employer. Further, if you hold a designation or certificate with The
Institutes, that record will not be searchable on lists found on The Institutes
website that employers, potential employers, recruiters, background checkers,
and others use to verify designations and certificates; and your name will not
appear in any designation completion materials or announcements, such as the
CPCU yearbook and the scrolling list of completers at CPCU Annual Meeting and
Conferment. Payment and/or reimbursement for courses and exams may be refused by
your employer as a result of marking your account Confidential, as The
Institutes will not report your completed exams or courses.

Except as set forth herein, at no time when disclosing your information will we
sell, rent, or disclose your personal data to third parties without notifying
you of our intent to share the information and giving you an opportunity to
prevent your information from being shared. (Please refer to the “How You Can
Manage Your Personal Data” section.)

The Institutes may also share aggregate or anonymous non-personal information
with third parties for their marketing or analytics uses.

How You Can Access and Manage Your Personal Information with The Institutes,
CEU, Agent & Broker and CPCU Society

The Institutes provide its members, students and customers the opportunity to
opt-out of having their information used for purposes not directly related to
purchase, processing, registration or ongoing Services. To “opt out” of
receiving future e-mail marketing messages from The Institutes, you can click on
the “unsubscribe” link at the bottom of an e-mail marketing message or by
following the instructions below. You can always access, review, change, and
update your various profile, password, membership and other associated
information by:

 * Going to the My Account dashboard and making the appropriate changes. You
   must be signed in to access My Account.
 * Going to the appropriate account profile page on the applicable Website or
   App.
 * At any time, you may call The Institutes at (800) 644-2101 to update your
   information and opt into or out of any Service or marketing contact
   (including emails, postal mail or other announcements). We also provide
   opt-in and opt-out opportunities as applicable to the service or product
   being offered through hyperlinks provided in the email.
 * You may also send an email to Privacy@TheInstitutes.org with your request.

For all other The Institutes brands

Many brands affiliated with The Institutes maintain their own customer accounts
and marketing contact lists unique to their operations. Account management and
opt-in/opt-out of marketing communications are the responsibility of each brand.
All marketing collateral has clearly defined opt-in and opt-out procedures and
should be followed by customers to manage options and privacy. Account
management is handled on a per request basis with the brand directly through
their website, via phone call or by reaching out to Privacy@TheInstitutes.org.

HOW YOU CAN OPT OUT OF ONLINE BEHAVIORAL ADVERTISING

We may also use third-party advertising companies, such as Google, to serve ads
on our behalf. These companies may employ cookies or pixel tags (also known as
web beacons and clear GIFs) to collect non-personal data about the actions you
take on our Services, App and Website. This information may be used to display
online behavioral advertisements, including retargeted ads, on other sites and
to measure the success of our marketing campaigns. Any information that these
third parties collect is not linked to any personal information we collect. You
can opt out of third-party vendors’ use of cookies or pixel tags by either
visiting www.networkadvertising.org/choices/ or the Digital Advertising
Alliance’s (DAA’s) www.AboutAds.info. You can opt out of Google’s ads by
visiting Google’s Ads Preference Manager. We also support the DAA’s
Self-Regulatory Program for Online Behavioral Advertising.

CHILDREN'S PRIVACY

The Institutes do not direct its Websites or Apps to, nor does it knowingly
collect any personal information from visitors under the age of thirteen. In the
event that we learn that we have collected personal information from a child
under age thirteen without verification of parental consent, we will use
reasonable efforts to remove such information from the files of such Website or
App.

THE INSTITUTES COMMUNITY AND OTHER PUBLIC FORUMS

Any information you may disclose on our Websites or Apps, in blogs, on The
Institutes Community, on message boards, in chat rooms, creating Community
profiles or on other public areas on a Website, App, or other third-party
website that the Website or App may link to, becomes public information. When
you use these features, you should be aware that any information you submit,
including your name, location, and email address, may be publicly available to
others. Please exercise caution when disclosing personal information in these
public areas. We reserve the right to remove any posting or content in a posting
at our sole discretion. We are not responsible for any information you choose to
submit through these interactive features, and we strongly discourage you from
disclosing any sensitive personal data (such as health or credit card
information) through these features. If you use these features, your personal
data may remain on the Website even after you cease use of the Website. 

Third-Party Content, Links to other websites and Plug-ins

The Services and Websites contain links to other websites not owned by The
Institutes or their subsidiaries and affiliates. This Privacy Policy does not
address, and we are not responsible for, the privacy, information, or other
practices of any third parties, including any third-party operating any site or
service to which the Services or Websites link. The inclusion of a link on the
Services or Websites does not imply our endorsement of the linked site or
service. We are not responsible for the privacy practices of those or any other
sites. If you have questions about how those websites collect and use data, you
should carefully read those sites’ privacy policies.

This site may also offer you the ability to interact with social plug-ins from
social media sites, such as Facebook (Facebook.com), LinkedIn (LinkedIn.com),
and Twitter (Twitter.com). The social media sites may receive data when you
visit a website—such as www.Insurance-Research.org—that has plug-ins. In some
cases, The Institutes may know that you clicked on a social plug-in, such as a
Facebook Like button, or received other information from the social media sites.
Similarly, if you have previously provided personal data to a third-party
operating a plug-in on this website, then this third-party may recognize you on
this website. Your use of social network plug-ins is subject to each social
media site’s privacy policy, which may be different from ours, so please read
these policies carefully to understand them and your options. As with linked
sites, The Institutes have no control over the information that is collected,
stored, or used by social network plug-ins.

DATA SECURITY

We have taken certain physical, administrative, and technical steps to safeguard
the information we collect from and about our members, students, members,
customers and Website and App visitors. While we make every reasonable effort to
help ensure the integrity and security of our network and systems, we cannot
guarantee our security measures. When you enter sensitive information (such as
credit card information) on our forms, we encrypt the transmission of that
information using secure socket layer technology (SSL). If you have reason to
believe that your interaction with us is no longer secure (for example, if you
feel that the security of any account you might have with us has been
compromised), please immediately notify us of the problem by contacting us in
accordance with the "Contact Us" section below.


DATA STORAGE

Your personal information may be stored on servers in the United States and is
subject to the laws of the United States, where the data protection and other
laws may differ from those of other countries. Your personal information may be
disclosed in response to inquiries or requests from government authorities or to
respond to judicial process in the countries in which we operate.

Updates to This Privacy Policy

Because of the changing nature of privacy laws, user needs, and our business,
The Institutes reserves the right, at its sole discretion, to change, modify,
add, remove, or otherwise revises portions of this Privacy Policy at any time.
If changes are made, we will put a notice on the Website or App, and if it is a
material change, we will notify you directly (for example, via email). You can
determine when this Privacy Policy was last revised by referring to the date on
which it took effect, as indicated above. Your continued use of our Services,
the Website or App following the posting of changes to these terms means you
accept these changes.

Contact Us

If you have questions concerning this Privacy Policy, please email us at
CUSTOMERSUCCESS@THEINSTITUTES.ORG or call us at (800) 644-2101 (U.S. and Canada)
or (800) 644-2100 (outside the U.S. and Canada). Because email communications
are not always secure, please do not include credit card information or
sensitive information in your emails to us.

 

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reserved.

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