EFFECTIVE DATE: July 16th, 2021
The Institutes Knowledge Group, its subsidiaries, and its affiliated or controlled organizations (collectively, “The Institutes Knowledge Group”) 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.
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:
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.
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:
We may also obtain information about you from other online sources, including when you connect with The Institutes Knowledge Group 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.
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.
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.
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 Knowledge Group served ads online using the National Advertising Initiative’s opt-out tool, the About Ads opt-out tool, or on TRUSTe’s site.
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.
The Institutes Knowledge Group may use the Information we collect from and about you for any of the following purposes:
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.
Your personal data may be disclosed or shared with:
* 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 Knowledge Group 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 Knowledge Group 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 Knowledge Group to your employer. Further, if you hold a designation or certificate with The Institutes Knowledge Group, that record will not be searchable on lists found on The Institutes Knowledge Group 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 Knowledge Group 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 Knowledge Group may also share aggregate or anonymous non-personal information with third parties for their marketing or analytics uses.
The Institutes Knowledge Group provides 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 Knowledge Group, 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:
For all other The Institutes Knowledge Group brands
Many brands affiliated with The Institutes Knowledge Group 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.
The Institutes Knowledge Group 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.
Any information you may disclose on our Websites or Apps, in blogs, on The Institutes Knowledge Group 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.
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.
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.