iGrad Consumer Privacy Policy

Your Privacy Rights

iGrad respects the privacy of our consumer users and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. As an individual who is a user of our website or otherwise as a user of the services provided by iGrad or its divisions and subsidiaries. We encourage you to read this Privacy Policy carefully when using our website or services or transacting business with us. By using our website, you are accepting the practices described in this Privacy Policy. If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

Information We Collect About You

In general. We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through our websites, the information may be sent to iGrad affiliates located in the United States.

Information You Provide

We may collect and store any personal information you enter on our websites or provide to us in some other manner. This includes identifying information (such as your name, home or mailing address, e-mail address, and telephone number), information about your financial information (such as your income, assets, or debts), your Social Security number, personal information (such as your gender and age), payment method information (valid credit card number, type, expiration date or other financial information).

Information from Other Sources

We may also obtain both personal and non-personal information about you from business partners, schools, contractors and other third parties. Examples of information that we may receive include credit reports, information about your home and additional demographic information. iGrad cannot and does not obtain any credit bureau data on users without his or her express written permission.

Information about Others

We may also collect and store personal information that you provide to us about other people (such as references), including their name, address, phone number, or other personal information. Use of Cookies and Other Technologies to Automatically Collect Information. We use various technologies to collect information from your computer and about your activities on our websites. We automatically collect information from your browser when you visit our website. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see "Cookies" below) and the referring website address.

Cookies

When you visit our websites, we may assign your computer one or more cookies, to facilitate access to our website, to personalize your online experience, and to record information about your visit to our websites. Through the use of a cookie, we also may automatically collect information about your online activity on our website, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on our websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies.

Other Technologies

We may use standard Internet technology, such as web beacons and other similar technologies, to track your use on our websites. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our websites' visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.

Information Collected by Third Parties

We may allow third-parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements on our website. We and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to our website. Our websites do not provide any personal information to these third parties. This information allows us and these companies to deliver and gauge the effectiveness of targeted advertisements. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative , which offers a single location to opt out of ad targeting from member companies.

HOW WE USE THE INFORMATION WE COLLECT

In general. We may use information that we collect about you to deliver the products and services that you have requested; manage your customer relationship and provide you with customer support; perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others; communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, other companies or other third parties; develop and display content and advertising tailored to your interests on our websites and other websites; verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes; enforce our terms and conditions; manage our business and perform functions as otherwise described to you at the time of collection.

Financial Information

We may use financial information to match you with potential offers, to verify your identity, to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business.

WITH WHOM WE SHARE YOUR INFORMATION

We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our websites or while using our services. Personal Information. We may share your personal information with others in an effort to provide offers you indicate you may be interested in. We may share all types of personal information with:

Authorized Service Providers

We may share your personal information with our authorized service providers that perform certain services on our behalf in connection with your personal financial analysis. These service providers may include credit bureaus, career search engines, credit card companies, schools, banks, other financial institutions, marketing and customer services firms, as well as companies that support contests, sweepstakes, surveys, or other features offered through our website, or that provide business analysis or website support. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purpose.

Business Partners

When you express interest in products, services or promotions offered through our websites or our services, we may share your expression of interest with the businesses with which we partner to offer you those products, services, promotions, contests and/or sweepstakes, and, as applicable, their affiliates and third-party finder or marketing companies. When you elect to engage in a particular offer or program, you authorize us to provide your e-mail address and other information to those businesses. Special Notice to California Residents:

iGrad will not share any personal information about you with affiliate companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law.

Special Notice to Vermont Residents

iGrad will not share any personal information about you with affiliate companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.

Other Situations

We also may disclose your information in response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us. When we believe disclosure is appropriate in connection with efforts to investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; to comply with applicable law or cooperate with law enforcement; or to enforce our website’s terms and conditions or other agreements or policies. In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy. Any third parties to whom we may disclose personal information may have their own privacy policies that describe how they use and disclose personal information. Those policies will govern use, handling and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties. These entities or their servers may be located either inside or outside the United States. Aggregated and Non-Personal Information:

We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non-personal information we collect under any of the above circumstances. We may also share it with third parties to develop and deliver targeted advertising on our website and on websites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated information with third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to our websites and the most popular features or services accessed. This information does not contain any personal information and may be used to develop website content and services that we hope you and other users will find of interest and to target content and advertising.

Third Party Websites

There are a number of places on our websites where you may click on a link to access other websites that do not operate under this Privacy Policy. For example, if you click on an advertisement or a search result on our websites, you may be taken to a website that we do not control. These third-party websites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those websites. We recommend that you consult the privacy statements of all third-party websites you visit by clicking on the "privacy" link typically located at the bottom of the webpage you are visiting.

If you have submitted a profile or completed an iGrad Analysis, you can update your personal information by logging into iGrad and updating any information you wish. More information about how to contact us is provided below.

YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION

You can choose not to provide us with certain information, but that may result in you being unable to use certain features of our websites because such information may be required in order for you to obtain products or services from us. When you initially use our websites, you will be given a choice as to whether you want to receive e-mail messages, promotions or newsletters from us. You may later modify your choice by sending an email with the subject line “DO NOT EMAIL”. You also will be given the opportunity, in any commercial e-mail that we send to you, to opt out of receiving such messages in the future. It may take up to 21 days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as offers, requests for additional information, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your preferences or updated your information, you may have to change your preferences directly with that third party. Under our Do Not Call policy you may instruct us not to call you for marketing purposes by sending an email with the subject line “DO NOT CALL”. We will implement your instructions within 21 days. We have policies and procedures in place and train our employees to honor your request. If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by sending an email with the subject line “DO NOT MAIL”.

We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, only authorized employees and authorized third-party service providers are permitted to access personal information, and they may do so only for permitted business functions. We use encryption in the transmission of your sensitive personal information between your system and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your personal information. We want you to feel confident using our websites to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches or other communications will always remain secure. Users should also take care with how they handle and disclose their personal information. Please refer to the Federal Trade Commission’s website for information about how to protect yourself against identity theft.

OTHER INFORMATION ABOUT OUR PRIVACY PRACTICES

California Residents

If you are a resident of California, in addition to the rights set forth in this Privacy Policy, you have the right to request information from us regarding the manner in which we share certain categories of personal information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information:

the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year the names and addresses of the third parties that received that information; and if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.

We may provide this information in a standardized format that is not specific to you.

Children’s Privacy

Our websites are general audience sites, and we do not knowingly collect personal information from children under the age of 18.

Visiting our Websites From Outside The United States

This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

No Rights of Third Parties

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our websites .

Changes to this Privacy Policy

We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the "last updated" date at the top of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by sending an e-mail to the e-mail address you most recently provided us in your account, profile or registration and/or by prominently posting notice of the changes on our website. We recommend that you check our websites from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.

How to Contact Us

If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail or postal mail as follows:

Privacy Officer
iGrad
2163 Newcastle Avenue, Suite 100
Cardiff By The Sea, CA 92007