By sharing the Privacy Policy for Adjuster University, LLC (hereinafter referred to as “Adjuster University,” “AU,” “We,” “Us,” or “Our”), we hope to help you understand how information can create new opportunities for you, our customer, as well as to reassure you that we respect and honor customer requests to restrict and protect personal information.

This Statement of Privacy applies to all ADJUSTER UNIVERSITY™ entities and affiliated companies. This also includes all related domains created and operated by ADJUSTER UNIVERSITY™ but does not include web pages created by affiliates.

We will comply with our Canadian Privacy Policy in our communications with all customers who are Canadian residents. If you reside in the EU, please see Your rights under EU Data Protection Laws below.

WHY WE COLLECT PERSONAL INFORMATION

ADJUSTER UNIVERSITY™ collects personal information to improve how we operate, offer our products and services, communicate with you about those products and services, and provide practical, timely customer support when needed. We will never rent or sell any of the personal information we collect from you to third parties, and we do not share your personal information except as outlined in this Privacy Policy.

THE KIND OF PERSONAL INFORMATION DO WE COLLECT

ADJUSTER UNIVERSITY™ collects personal information in a variety of ways when you interact with ADJUSTER UNIVERSITY™, including when you register or create an account with ADJUSTER UNIVERSITY™; when you place an order at ADJUSTER UNIVERSITY™ when you use ADJUSTER UNIVERSITY™ products or services; when you visit ADJUSTER UNIVERSITY™ pages or pages of certain ADJUSTER UNIVERSITY™ partners; when you enter promotions or sweepstakes; when you subscribe to a newsletter or desire to be added to our mailing lists for other products or services; when you correspond or otherwise interact with us; and when you provide feedback in any of our online surveys.

Information we collect may include your name, e-mail address, phone number, address, product preference information, billing information, demographic information provided by you (such as language, gender, and age, and, if applicable, content preferences and personalization information), and personal interest information. On occasion, we may ask for additional information to enable us to provide access to and use certain information, materials, and services. ADJUSTER UNIVERSITY™ may combine information about you that we have the information we obtain from business partners or other companies.

 COOKIES AND HOW DO WE USE THEM

When you visit a website, cookies are small data files written to your hard drive for record-keeping purposes. Cookies allow ADJUSTER UNIVERSITY™ to measure traffic activity and improve your user experience by remembering your passwords and viewing preferences. Like other major websites, ADJUSTER UNIVERSITY™ uses cookies to provide a tailored experience when visiting ADJUSTER UNIVERSITY™ and using our primary products. We treat any personal information contained in cookies with the same level of confidentiality as other information you provide. If you wish to disable cookie functionality, you may change the security settings on your browser. However, portions of ADJUSTER UNIVERSITY™ may not function or function as efficiently without them.

INFORMATION COLLECTED FROM OTHER SOURCES

Social Media Widgets:

The Websites include social media features, such as the Facebook “Like” button, and widgets, such as the “Share This button” or interactive mini-programs that run on our Websites. These features may collect your Internet protocol address which page you are visiting on the Websites and may set a cookie to enable the feature to function correctly. Social media features and widgets are hosted by a third party or hosted directly on the Websites. Your interactions with these features are governed by the privacy statements of the companies that provide them.

Information From Third-Party Services:

We may also obtain other information, including personal information, from third parties and combine that with information we collect through our Websites. For example, we may have access to certain information from a third-party social media or authentication service if you log into our Services through such a service or otherwise provide us with access to information from the service. Any access that we may have to such information from a third-party social media or authentication service is in accordance with the authorization procedures determined by that service. If you authorize us to connect with a third-party service, we will access and store your name, email address(es), current city, profile picture URL, and other personal information that the third-party service makes available to us and use and disclose it in accordance with this Policy. You should check your privacy settings on these third-party services to understand and change the information sent to us through these services. For example, you can log in to the Services using single sign-in services such as Facebook Connect or an Open ID provider.

These single sign-on services will authenticate your identity, allow you to share certain personal information (such as your name and email address) with us, and pre-populate our sign-up form. Services like Facebook Connect allow you to post information about your activities in the Services to your profile page to share with others within your network.

HOW WE PROTECT YOUR PERSONAL INFORMATION

ADJUSTER UNIVERSITY™ safeguards the security of the data you send us with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data on the Internet. To purchase from ADJUSTER UNIVERSITY™ website, you must use an SSL-enabled browser. ADJUSTER UNIVERSITY™ uses industry-standard Secure Sockets Layer (SSL) encryption on web pages to complete a purchase. This protects the confidentiality of your personal and credit card information while transmitted over the Internet.

While ADJUSTER UNIVERSITY™ takes precautions to ensure the security of your data, no one can completely guarantee the safety of data transmitted over the internet. You must take steps to ensure the safety and security of your personal information, for example, by not sharing passwords or other registration data.

HOW WE USE YOUR PERSONAL INFORMATION

ADJUSTER UNIVERSITY™ uses your personal information in the following ways:

• Delivery and billing for our products and services and communicating with you concerning your account and customer service issues. This may include verifying authorization of credit card usage before purchasing content or services.
• Improving our products and services by providing personalized content recommendations, language and location customization, and/or personalized help and instructions.
• To ask you to participate in surveys about products, services, news, and events.
• Offering you product upgrades, content, services, and other training courses to purchase.
• Providing provides content, services, instructions, and a more personalized experience based on personal information, such as your language preferences, zip/postal code, country locations, and any content or other preferences you provide.
• Providing you with news, free newsletters, updates, targeted advertising, promotions, and special offers.
• To better understand how our products are used, including Web traffic patterns and what types of content are most popular with users of our products and services.
• Providing anonymous reporting for internal and external partners.
• Facilitating your participation in our online forums and helping to manage improper behavior by individuals using the forums.

HOW AND WHEN WE DISCLOSE THE INFORMATION WE COLLECT

ADJUSTER UNIVERSITY™ may share your personal information with trusted vendors and partners who work with ADJUSTER UNIVERSITY™. These partners are provided with your personal information to help ADJUSTER UNIVERSITY™ communicate with you about offers from us and our marketing partners. They are contractually required to keep this personal information secure and only use it for the purposes it provides. ADJUSTER UNIVERSITY™ may send personal information about you to other companies or people when we need to share your information to provide the product or service you have requested or provide a product or service to you. However, these companies are only permitted to use personal information.

ADJUSTER UNIVERSITY™ may also disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to (a) comply with law or legal process or if requested by duly authorized public authorities; (b) comply with the order of a competent judicial authority in any jurisdiction; (c) comply with legal process served on ADJUSTER UNIVERSITY™ ; (d) protect and defend the rights or property of ADJUSTER UNIVERSITY™, or our affiliated companies, their employees and agents; (e) enforce our terms of use; (f) protect against fraud or other illegal activity or for risk management purposes; (g) permit us to pursue available remedies or limit the damages that we may sustain; (g) act in urgent circumstances to protect the personal safety of users of ADJUSTER UNIVERSITY™ products or the public at large.

Suppose ADJUSTER UNIVERSITY™ should ever file for bankruptcy, become insolvent, be acquired by a third party, merge with a third party, sell all or part of its assets, or transfer substantially all or part of its relevant assets to a third party. In that case, ADJUSTER UNIVERSITY™ is entitled to share the personal information and all other information you have provided through the products and services to potential and subsequent business and merger partners.

ADJUSTER UNIVERSITY™ may share “cookie” and other data about traffic patterns or usage collected on ADJUSTER UNIVERSITY™ with affiliated companies, its business partners, or with third-party advertisers or ad networks. Any data shared is anonymous and does not identify any user.

ADJUSTER UNIVERSITY™ may also include third-party advertising. These third parties’ websites and advertisers, or the Internet advertising companies that work on their behalf, may use technology such as web beacons and cookies to send (or “serve”) the advertisements that appear on our Site directly to your browser. They automatically receive your IP address when this happens. They may also use cookies, JavaScript, electronic images, and other technologies to deliver advertisements, collect information about the effectiveness of their advertisements, and collect anonymous information about your visits to ADJUSTER UNIVERSITY™, such as the number of times you have viewed an ad (but not your name, address, or other personal information). If you would like more information about this practice and your choices about not having this information used for online behavioral advertising by these ad networks, click here: http://networkadvertising.org/consumer/opt_out.asp.

ADJUSTER UNIVERSITY™ also contains links to other Websites and products. ADJUSTER UNIVERSITY™ is not responsible for the privacy practices or the content of such Websites or products. Please visit the privacy policies of these third-party sites to understand their privacy policies and data collection practices.

RIGHTS YOU HAVE REGARDING YOUR DATA

You always have the right to request information about your stored data, its origin, its recipients, and the purpose of its collection at no charge. You also have the right to request that it be corrected, blocked, or deleted. You can contact us at any time using the address given in the legal notice if you have further questions about the issue of privacy and data protection.

You may also, of course, file a complaint with the competent regulatory authorities.

Many data processing operations are only possible with your express consent. You may revoke your consent at any time with future effect. An informal email making this request is sufficient. The data processed before we receive your request may still be legally processed. If you no longer wish to receive communications from ADJUSTER UNIVERSITY™, you can opt-out from receiving such messages in the future by following the instructions in the message or contacting us at [email protected].

ACCOUNT DATA

Account data (“Account Data”) is personal information you provide us or that we collect from you and your devices in connection with your access to and use of our Services (such as when you provide us information to register for an account or information we collect about your browser when you connect to one of our Services, etc.). In legal terms, we collect and use this Account Data as a data controller.

We collect two general categories of Account Data to provide you with the Services.

THE INFORMATION YOU GIVE US

• Account information. You may provide us with information about creating and managing your account for the Services, such as a name, email address, and password to create an ADJUSTER UNIVERSITY™ account.
• Billing information. If you have purchased a paid version of the Services or made another financial transaction using our Services (such as buying a Third-Party App), we (and our third-party payment processors) will collect information about the purchase or transaction. This includes billing details, credit card information, and other account and authentication information.
• Other information. You may otherwise choose to provide us with information when you fill in a form, contact our customer support, respond to surveys, or use other features of our Services. You may also provide us with other optional information as part of your account profile, including your usernames, avatars, and links to the Social Network profiles you authenticate with your ADJUSTER UNIVERSITY™ profile.

1. Information we automatically collect from your use of the Services.

• Log data and usage information. Like most websites, when you view content on or otherwise interact with our Services, our servers automatically record information that your browser sends whenever you visit a Website or that your Application sends when you use it. This log data may include your IP address, the address of the web page you visited before using the Services, your browser type and settings, your device information, the date and time of your use of the Services, information about your browser configuration and plug-ins, language preferences, unique identifiers, mouse tracks, and cookie data.
• Location information. We may collect information about your geographic location when you use our Services.

ACCOUNT DATA – HOW WE USE IT

We use, store, and process Account Data as a data controller to provide, understand, improve, and develop our Services, keep our Services safe, and comply with our legal obligations. More particularly, we use it to:

IDENTIFY OUR USERS

We use Account Data to identify you when you log in to your account.

Provide Services

We use Account Data to enable us to operate the Services and provide them to you, including the following:

• Enable your access to our Services.
• Allow you to communicate with us and with other users.
• Verify your transactions for purchase confirmation, billing, security, and authentication (including security tokens for communication with installed Third-Party Apps.)
• Contact you about your account and provide customer service support, including responding to your comments and questions.
• Keep you informed about the Services, features, surveys, newsletters, offers, contests, and events we think you may find helpful or that you have requested from us.
• Sell or market our products and Services to you.

IMPROVE AND OPTIMIZE OUR SERVICES

We use Account Data to:

• Better understand your needs and the needs of users in the aggregate, diagnose problems, analyze trends, perform analytics, conduct research, improve the features and usability of the Services, test and troubleshoot new products, and better understand and market to our users.
• Analyze the Website or the other Services and information about our visitors and users, including user demographics and behavior research.
• Create aggregate (non-identifiable) statistics about users of the Services to introduce improvements and improve usability of the Services.

KEEP OUR SERVICES SAFE.

We use Account Data to verify accounts and activity, maintain the integrity of our Services, and keep the Services safe and secure.

ACCOUNT DATA – LEGAL BASIS FOR USE

Our legal basis for collecting and using Account Data as a data controller will depend on the specific context in which we collect it. However, as a data controller, we will collect personal information from you where:

• we have your consent to do so,
• where we need the personal information to perform a contract with you (e.g., to deliver the Services you have requested), or
• where the processing is in our legitimate interests (and not overridden by your data protection interests or fundamental rights and freedoms.)

In some cases, we may also have a legal obligation to collect personal information from you or may otherwise need the personal information to protect your vital interests or those of another person.

Where we rely on your consent to process Account Data, you can withdraw or decline your consent at any time. Please note that this does not affect the lawfulness of the processing based on consent before its withdrawal.

If we ask you to provide Account Data to comply with a legal requirement, we will make this clear at the relevant time and advise you whether providing your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). Similarly, if we collect and use your personal information in reliance on our legitimate interests not already described in this notice, we will make clear to you at the relevant time what those legitimate interests are.

Account Data – Access, control, and correction of personal information and certain other important rights

As a user, you may update or correct most of your Account Data by logging in to your account to edit your profile or organization record. To make a request to have Account Data returned to you removed or to make additional corrections, please email our privacy team.  Requests to access, correct, or remove your information will be handled within thirty (30) days and may be subject to a fee as permitted by applicable law.

Depending on where you reside, you may have the right to exercise additional rights available to you under applicable laws with regard to the personal information ADJUSTER UNIVERSITY™ holds about you as a data controller, including:

• Right of erasure: In certain circumstances, you may have a broader right to the erasure of personal information we hold about you – for example, if it is no longer necessary to the purposes for which it was initially collected. Please note, however, that we may need to retain certain information for as long as you maintain an account for our Services or as needed to provide you with our Services for record-keeping purposes, to comply with our legal obligations, resolve disputes, and enforce the Terms.
• Right to object to processing: You may have the right to request that we stop processing your personal information and/or to stop sending you marketing communications.
• Right to restrict processing: You may have the right to request that we restrict processing of your personal information in certain circumstances (for example, where you believe that the personal information we hold about you is inaccurate or unlawfully held).
• Right to data portability: In certain circumstances, you may have the right to be provided with your personal information in a structured, machine-readable, and commonly used format and to request that we transfer the personal information to another data controller without hindrance.

If you would like to exercise such rights, please contact us. We will consider your request in accordance with applicable laws. To protect your privacy and security, we may take steps to verify your identity before complying with the request.

You also have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

USAGE AND WEBSITE ACTIVITY INFORMATION:

When you visit our websites, we or our third-party service providers collect information about your use of the website: Your Internet service provider’s address, your location as determined by your Internet Protocol (IP) address, the name of the Website or advertisement directing you, your user agent, as well as your clicks and activity on our Websites. We use this information to understand how to make our Websites more available and user-friendly to our customers and to provide you with advertising that may interest you. This is described in more detail below.  To learn how you can opt out of such advertising, read below. We do not serve interest-based advertising to users we identify as using our websites from EU IP addresses.

GOOGLE ANALYTICS:

We use tools called “Google Analytics” to collect some information we listed above about your use of the services. We use the information from Google Analytics to improve the services. To collect this information, Google Analytics may set cookies on your browser or mobile device or read cookies already there. Google Analytics may also receive information about you from downloaded apps that partner with Google.

Google’s ability to use and share information collected by Google Analytics about your visits to the services of another application that partners with Google is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Please review those and see http://www.google.com/policies/privacy/partners/ for information about how Google uses the information provided by Google Analytics and how you can control the information provided to Google. To prevent your data from being used by Google Analytics, you can download the Google Analytics opt-out browser add-on for Google Analytics, which can be found here.

SOCIAL MEDIA

We engage with customers on social media platforms like Facebook, Twitter, TikTok, and Instagram. We may contact you via direct message if you contact us on one of these platforms for customer service or otherwise. This policy and the policy of the relevant social media platform govern those communications.

COOKIES AND OTHER TRACKING TECHNOLOGIES

“Cookies” are small amounts of data stored on your computer. They find their way to your browser via a Web server. Cookies flag information about your activity on our Websites. This information will help us improve our Websites, make them friendlier and easier to use, and allow us to market to you more effectively. We never use cookies to save passwords, credit card numbers, or other highly confidential information. However, we use them and other tracking technologies to enhance online marketing based on your interests and preferences.

Web cookies are used in some email messages and on our Websites to help us measure the effectiveness of those emails and for other analytical purposes.

We also contract with a Service Provider to help us assess website visitation. We place small pixel tags and cookies on our Websites to do this. While these allow our Service Provider to track your visits, the data retrieved cannot be used without our authorization. Although our Service Provider logs the information about your visit, we control how that data may and may not be used. We may track this information across your devices to access the Websites.

TESTIMONIALS:

Occasionally, we may post testimonials on Websites containing personal information.  If you wish to update or delete your testimonial, contact us at [email protected].

COMMUNITY FORUMS:

The Websites may offer publicly accessible blogs, community forums, comments sections, discussion forums, or other interactive features (“Interactive Areas“). You should be aware that any information you post in an Interactive Area might be read, collected, and used by others who access it. To request removal of your personal information from an Interactive Area, contact us at [email protected].  In some cases, we may be unable to remove your personal information, so we will let you know if we cannot and why.

LIVE EVENTS:

All events are live-streamed and recorded. Purchasing any event ticket constitutes a release and waiver to use your likeness and/or photographs film, digital or video, with a worldwide transferable and irrevocable license to promote other events, marketing and advertising on social media, educational use, and press coverage.

Transmission of Data to Other Countries:

Your Personal Data is processed in the United States, where privacy laws may be less stringent than the laws in your country and where the government, courts, or law enforcement may be able to access your data.  By submitting your Personal Data to us, you agree to the transfer, storage, and processing of your Personal Data in the United States.

You can access, amend, or update your information by contacting us at [email protected]. If you email us, please include your previous and current full name, mailing address, email address, and phone number. Your request should contain a detailed, accurate description of the data you want access to. For your protection, we may need to verify your identity before responding to your request, such as verifying that the email address from which you send the request matches the email address we have on file.

If we refuse a request under rights of access, we will provide the individual with a reason.

A list of your rights is below:

• Right of access – the right to request a copy of the information we hold about the individual.
• Right of rectification – the right to correct data we hold about you that is inaccurate or incomplete.
• Right to be forgotten – in certain circumstances, you can ask for the data we hold about you to be erased from our records.
• Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
• Right of portability –the right to transfer the data we hold about you to another organization.
• Right to object –the right to object to certain types of processing, such as direct marketing. We do not directly market to individuals we know reside in the EU.
• Right to object to automated processing, including profiling – the right not to be subject to a decision based solely on automated decision making, including profiling, where the decision would have a legal effect on you or produce a similarly significant effect. We do not currently engage in any automated processing or profiling of individuals we know reside in the EU.

How long do we keep your information?

You can delete your account or request that we delete your account by writing to us at [email protected].  If you choose to delete your account, we will begin the process of deleting your account from our systems.

We retain your information after you request such deletion for more extended periods for specific purposes to the extent that we are obliged to do so in accordance with applicable laws and regulations and/or as necessary to protect our legal rights or for specific business requirements. For example, when we process your payments, we will retain this data for extended periods as required for tax or accounting purposes. See below for specific reasons we would have some data for more prolonged periods:

• Security, fraud & abuse prevention – i.e., to protect you, others, and us from fraud, abuse, and unauthorized access.
• Financial record-keeping – when you pay us, we are often required to retain this information for an extended period for accounting, dispute resolution, and compliance with tax, anti-money laundering, and other financial regulations.
• Complying with legal or regulatory requirements – to meet any applicable law, regulation, legal process, or enforceable governmental request, as required to enforce our terms of service, including investigation of potential violations.
• Direct communications with us – we may retain reasonable records if you have communicated directly through a customer support channel, feedback form, or a bug report.

Even if you delete your account, remember that the deletion by our third-party providers may not be immediate and that the deleted information may persist in backup copies for a reasonable time. For any privacy or data-protection-related questions, please write to [email protected].

If you are a resident of California, California law permits you to request certain information regarding the disclosure of your personal data by ADJUSTER UNIVERSITY™, or its affiliates and subsidiaries, to a third party for direct marketing purposes. To make such a request, please email us at [email protected].

We respect children’s privacy. We do not knowingly or intentionally collect personally identifiable information from children under 13. By using the Site, you have represented and warranted that you are either 18 years of age or using the Site with the supervision of a parent or guardian. If you are under 13, you may not use the Site. If you become aware that your child has provided us with personal information without your consent, you are urged to email us at [email protected].

If you would like to contact us regarding our privacy practices, please e-mail us at the following address: [email protected]. Be sure to return to this Policy periodically to review the most current version of the Policy. We reserve the right at any time, at our sole discretion, to change or otherwise modify this Policy without prior notice; however, the date of any effective changes shall be reflected at the bottom of this page, and upon request, we will provide you with information regarding any changes made. This policy was last updated on October 14, 2023.