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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. They prepare 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, visitors to and users of their websites, and 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 notify members and visitors about our practices regarding the information we collect through websites we operate 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 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 use information provided by the Website, to submit information to the Website, or to engage in any transactions through the Website.

Personal Data

Personal Data We May Collect

When you register to become a member of The Institutes, we may ask you for personal data. “Personal data” is any information that can be used to identify an individual, directly or indirectly, including:

  • Name
  • Postal address (including billing and shipping address)
  • Birthdate
  • Gender
  • Telephone number
  • Email address
  • Company/School
  • Title
  • Credit card or debit card number
  • Internet protocol (IP) address

How We May Collect Personal Data

We may collect personal data in a number of ways, including:

  • From You. Through our registration(s), phone orders, customer service:
    • We collect Contact Information (such as your name and address) so that we can fill orders you place with us.
  • From Our Website. Through registration:
    • We may collect personal data through our Website and Services, such as when you register to become a member of The Institutes.
    • We may also collect information about your personal or professional interests and use your opinions about various products, programs, and services. For instance, we may ask you to identify your job or industry for registration.
  • From Other Sources. 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.

If you submit to us or to our service providers any personal data 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.

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.

How We May Use Personal Data

We may use your personal data to communicate with you or on your behalf to identify, develop, or improve your services and/or to enhance your experience, such as is outlined below.

  • 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.
  • 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.

How Your Personal Data May Be Disclosed or Shared

Your personal data may be disclosed or shared with:

  • Affiliates and Partners. To our subsidiaries, affiliates, or business units for purposes of marketing or analytics.
  • Service Providers and Vendors. 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 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.
  • Interest-Based Advertising. 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 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 certification 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) 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. 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).
  • 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; and (g) to allow us to pursue available remedies or limit the damages we may sustain.
  • 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 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.
    • 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 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.

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.)

How Long Your Personal Data Is Retained

We will retain your personal data 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 Manage Your Personal Data

You can always access, change, and update your various profile 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 call The Institutes at (800) 644-2101 to update your personal data and opt into 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.
  • You may also send an email to with your request.

Non-Personal Data We Collect

We may also collect certain non-personally identifiable information (non-personal data) 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-personal data is data linked or reasonably linkable to a particular computer or device.


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 so that you do not need to retype the information each time you visit our Website.

If your browser is set not to 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 this 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.

How We Use Data for Analytics

We and our third-party service providers may collect non-personal data. 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 (for example, through a search query, link from another property, or bookmark).

How You May 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 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 or the Digital Advertising Alliance’s (DAA’s) 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-Personal Data

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 to Manage Your Personal Data”.

Our Commitment to Children's Privacy

The Institutes do not knowingly collect personal data from visitors under the age of 16. In the event that we learn that we have collected personal data from a child under age 16 without verification of parental consent, we will delete that information. Please contact us at

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 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. You further agree to abide by the terms provided in The Institutes’ Guidelines.

Third-Party Content, Links, and Plug-ins

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. 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 (, LinkedIn (, and Twitter ( The social media sites may receive data when you visit a website—such as—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.


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

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 affect only 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 You can also learn more about interest-based advertising from the Network Advertising Initiative at You can learn more about digital advertising and how to manage your cookies by visiting the Interactive Advertising Bureau at See the “How We May Use Personal Data” section above for more information.

Cross-Border Transfer

The Services and Websites are controlled and operated by us from the United States. When we access or transfer personal data, we do so in compliance with applicable law. Your personal data and non-personal data may be stored and processed (for purposes described) in any country where we have facilities or in which we engage service providers, and by using the Services or Websites. Where required, we will seek your consent to the transfer of information to countries outside your country of residence, including the United States, which may have different data protection rules than those of your country.


We seek to use reasonable organizational, technical, and administrative measures to protect personal data 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

Because of the changing nature of privacy laws, user needs, and our business, we may modify this Privacy Statement from time to time. If changes are made, we will put a notice on the Website, and if it is a material change, we will notify you directly (for example, via email). You can determine when this Privacy Statement was last revised by referring to the date on which it took effect, as indicated below.

Contact Us

If you have questions concerning this Privacy Statement, please email us at 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.

This Privacy Statement is effective as of May 24, 2018.

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)