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The Institutes Privacy Statement 

The Institutes, its subsidiaries, and its affiliates (The Institutes) are committed to meeting the evolving professional development needs of the risk management and insurance community. It prepares individuals to fulfill their professional and ethical responsibilities by offering customer-focused and innovative educational, research, networking, and career resource solutions.

The Institutes are firmly committed to protecting the privacy of their members and visitors and users of their sites as well as those who may use their services provided on or through these sites, which may include webinars and access to The Institutes Community (Services).

The purpose of this Privacy Statement is to provide notice to members and visitors about our practices in connection with the information we collect through websites operated by us from which you are accessing this Privacy Statement (Websites) and in connection with your use of the Services. This Privacy Statement applies only to our Services and our Websites.

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

Personally Identifiable Information

Personally Identifiable Information We May Collect
When you register to become a member of The Institutes, we may ask you for personally identifiable information. 

"Personally Identifiable Information" (PII) is information used or intended to be used to identify a particular individual, including:

  • Name

  • Postal address (including billing and shipping addresses)

  • Telephone number

  • Email address

  • Credit or debit card number

How We May Collect PII
We may collect PII through our Website and Services, such as when you register to become a member of The Institutes.

We may receive your PII 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, as well as other third parties. We may collect PII from you offline, such as when you attend one of our seminars, place an order over the phone, or contact Customer Service.

We may also collect information about your personal or professional interests and use of or opinions about various products, programs, and Services. For instance, we may ask you to identify your job or industry for registration.

If you submit to us or to our service providers any PII 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 Statement.

How We May Use PII

We may use your PII:

  • To process your membership with The Institutes; complete, fulfill, and communicate with you regarding your request to view a seminar; 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, have your order reports delivered to you, communicate with you regarding your membership or login, and provide you with related customer service.

  • 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 respond to your inquiries and fulfill your requests, such as to send you study materials, newsletters, brochures, catalogs, and emails.

  • 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.

  • To send you marketing communications that we believe may be of interest to you.

  • To personalize your experience of the Services and Websites by presenting products and offers tailored to you.

  • 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.

  • For our business purposes, such as data analysis; audits; fraud monitoring and prevention; 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.

  • 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 government authorities, including public and government 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.

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 (e.g., 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.

How Your PII May Be Disclosed or Shared

Your PII may be disclosed or shared with:

  • To our subsidiaries, affiliates or business units.

  • To our third-party service providers that provide services such as data analysis, payment processing, order fulfillment, experience personalization, information technology and related infrastructure provision, customer service, email delivery, credit card processing, auditing, and other similar services.

  • 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). Please note that 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 PII, or any other information, on the Services or Websites.

  • By The Institutes in the following circumstances:

    • The Institutes will confirm whether a customer 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 CPCU 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.

    • The Institutes may release course and exam information to a 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.

    • The Institutes may publish a CPCU class list, and other lists naming individuals that have earned a designation or certificate in the news media or for recognition purposes at various insurance organization meetings.

    • The Institutes may provide its affiliated organizations and subsidiaries with their customers’ PII 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 PII to its instructors so that instructors can monitor examination pass ratios and recognize educational achievement and for other related reasons.

    • In connection with The Institutes-hosted conferences, The Institutes may provides 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 e-mailing The Institutes office at the contact information below informing us of your preference.

  • To 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 its 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 upon a customer reaching a certain certification or designation, in order to determine the appropriate audience (e.g., the PII of top scorers may be shared with other organizations). We may share your PII (name, email) with other organizations, including other nonprofit organizations, whose products or services we believe will interest our users and they may reach out to your regarding their services, products or initiatives.

  • If you correspond with us via e-mail, the postal service, or other 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 other related opportunities. Importantly, e-mail 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, calling or e-mailing The Institutes at the contact information below informing us of your preference.

  • To 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).

  • 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 government authorities, including public and government 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.

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.

Except as set forth herein, at no time when disclosing your information will we sell, rent, or disclose your PII 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.

How Long Your PII Is Retained
We will retain your PII for the period necessary to fulfill the purposes outlined in this Privacy Statement unless a longer retention period is required or permitted by law.

How You Can Access, View, and Update Your PII
You can always access, change, and update your various profile information, address, or credit card information by going to the My Account dashboard and making the appropriate changes. You must be signed in to access My Account. At any time, you may contact The Institutes at (800) 644-2101 to update your PII and opt in to or out of any service. We will provide opt-in and opt-out opportunities as applicable to the service or product being offered. If you no longer want to receive emails, postal mail, or other announcements, simply unsubscribe through the hyperlinks provided in the email or by contacting Privacy@TheInstitutes.org with your request.

 

Non-Personally Identifiable Information (Non-PII)

Non-PII We Collect
We may also collect certain non-personally identifiable information (non-PII) when you visit our Website or use our applications and Services, such as the type of browser and operating system you are using, your Internet protocol (IP) address, your device identifiers, your Internet or wireless service provider, and location-based information. Non-PII is data linked or reasonably linkable to a particular computer or device.

How We or Our Service Providers May Collect Non-PII
Cookies: As you browse the Website, cookies are placed on your computer's hard drive. Cookies are small pieces of data that are sent to your browser from a web server and stored on your hard drive. Cookies allow us to track the items you select and help us match your address and credit card information with your order so that you do not need to retype the information each time you visit our Website.

If your browser is set to not accept cookies, it is unlikely but possible that some features of our Website will not function properly. We also use cookies to gather usage information, such as the number and frequency of visitors to our site and its various pages. Third parties with which we partner in order to provide our Services to you may also serve some of these cookies. We analyze these data to determine which parts of our Website customers like and which parts need improvement. Automatically logged information is also used to analyze trends and to administer the site.

Using pixel tags and other similar technologies: Pixel tags (also known as web beacons and clear GIFs) may be used in connection with the Website or the Services to, among other things, track the actions of users of the Websites or Services (including email recipients), measure the success of our marketing campaigns, and compile statistics about usage of the Services and response rates.

Third-Party Online Advertising
IP Address: Your IP address is a number that is automatically assigned to the computer you are using by your Internet service provider (ISP). An IP address may be identified and logged automatically in our server log files whenever a user accesses the Website and/or Services, along with the time of the visit and the page(s) that were visited. Collecting IP addresses is standard practice and is done automatically by many websites, applications, and other services. We use IP addresses for purposes such as calculating usage levels of the Website and/or Services, helping diagnose server problems, and administering the Website and/or Services.

How We May Use Non-PII
We and our third-party service providers may collect non-PII. For instance, we may work with analytics providers to use their services on the Website. Analytics providers are third-party companies that collect information when people use our Services and Websites. These companies use cookies, web beacons, and similar technologies to keep track of what content users view, how long they spend on different pages, and how they arrived on a particular page (e.g., through a search query, link from another property, or bookmark).

How You May Opt-Out 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-PII about the actions you take on our Services 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 collected by us. You can opt out of third-party vendor’s 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.

How We May Disclose Your Non-PII

Please note that we may use and disclose non-PII for any purpose except where we are required to do otherwise under applicable law. If we are required to treat non-PII as PII under applicable law, then we may use it as described in the “How We May Use PII” section above, as well as for all the purposes for which we use and disclose PII.

In some instances, we may combine non-PII with PII (such as combining your name with your geographical location). If we combine any non-PII with PII, the combined information will be treated by us as PII as long as it is combined.

We sometimes use the non-PII we collect to improve the design and content of our publications and websites and to enable us to customize your Internet experience. We also may use this information to analyze site usage, as well as to offer you products, programs, or services.

Membership Directory
The Institutes makes 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.

Our Commitment to Children's Privacy
The Institutes does not knowingly collect PII from visitors under the age of 13. In the event that we learn that we have collected PII from a child under age 13 without verification of parental consent, we will delete that information. Please contact us by writing us at our email, Privacy@TheInstitutes.org.

The Institutes Community
Certain features on our Website may give you an opportunity to interact with us and others. These may include blogs, message boards, messaging functionality, chat functionality, and creating community profiles. 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. We are not responsible for any information you choose to submit through these interactive features, and we strongly discourage you from disclosing any sensitive PII (such as health or credit card information) through these features. If you use these features, your PII may remain on the Website even after you cease use of the Website. You further agree to abide by the terms provided in The Institutes’ Guidelines.

Third-Party Content, Links, and Plugins
The Services and Websites contain links to other websites not owned by The Institutes or their subsidiaries and affiliates. This Privacy Statement 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. Please be aware that 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 plugins 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 http://www.Insurance-Research.org—that has plugins. In some cases, The Institutes may know that you clicked on a social plugin, such as a Facebook Like button, or receive other information from the social media sites. Similarly, if you have previously provided PII 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 plugins is subject to each social media site’s privacy policy, which may be different from ours, so please read these policies carefully to understand their policies and your options. As with linked sites, The Institutes have no control over the information that is collected, stored, or used by social network plugins.

AdChoices
Third-parties may collect Non-PII from this site which may be used to deliver ads on other sites by participants in the Digital Advertising Alliance's (DAA) Self-Regulatory Program or the Network Advertising Initiative. We support the DAA and the Self-Regulatory Program for Online Behavioral which provides you with enhanced notice about online behavioral advertising practices and choices about the ads you see.  For more information, visit www.aboutads.info/consumers.

What choices do I have about online behavioral advertising?
You can opt out from receiving relevant ads delivered to you by "third parties" that participate in the DAA program and are identified on their opt-out page. You will still receive ads even after opting out, but they may not be as relevant to you.Please note that the opt-out is cookie-based. It will only affect the specific browser on which the opt-out is applied. If you delete your browser cookies and want to continue to be opted out of interest-based ads, you will need to opt out again.

How can I learn more?
You can learn more about the DAA Self-Regulatory Program for Online Behavioral Advertising by visiting www.AboutAds.info. You can also learn more about interest-based advertising from the Network Advertising Initiative at www.networkadvertising.org/. You can learn more about digital advertising and how to manage your cookies by visiting the Interactive Advertising Bureau at http://www.iab.net/privacymatters/.

Cross-Border Transfer
The Services and Websites are controlled and operated by us from the United States and are not intended to subject us to the laws or jurisdiction of any state, country, or territory other than that of the United States. Your PII and non-PII may be stored and processed in any country where we have facilities or in which we engage service providers, and by using the Services or Websites, you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have different data protection rules than your country does.

Sensitive Information
We ask that you not send us, and you not disclose, any sensitive PII (e.g., Social Security numbers, information related to racial or ethnic origin, political opinions, religious or other beliefs, health or criminal background information, or trade union membership) on or through the Services or Websites or otherwise to us. 

Do Not Track
Some web browsers may transmit "do not track" signals to the websites and other online services with which the browser communicates. There is no standard that governs what, if anything, websites should do when they receive these signals. Currently, we do not take action in response to these signals. If and when a standard for responding is established, we may revisit its policy on responding to these signals.

Security
We seek to use reasonable organizational, technical, and administrative measures to protect PII within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. 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.

Updates to This Privacy Statement
Please note that because of the changing nature of privacy laws, user needs, and our business, we may modify this Privacy Statement from time to time. Accordingly, because we want to help you clearly understand our Privacy Statement and any pertinent revisions, we encourage you to review our Privacy Statement periodically to become aware of any changes that may have occurred. You can determine when this Privacy Statement was last revised by referring to the date from which it was effective as indicated below.

Contact Us
If you have questions concerning this Privacy Statement, please contact Privacy@TheInstitutes.org. Please note that email communications are not always secure, so please do not include credit card information or sensitive information in your emails to us.

This Privacy Statement is effective as of January 31, 2016.

 

Copyright Statement

If you believe this site contains or is linked to any material that infringes copyright, please immediately notify:

Customer Success
The Institutes
720 Providence Road
Malvern, PA 19355
(610) 644-2100 (phone)
(610) 993-7583 (fax)
legal@theinstitutes.org