PRIVACY POLICY AND TERMS OF USE

PRIVACY AND COOKIES POLICY

Stateprep LLC has adopted the following Privacy and Cookies Policy (hereinafter “Policy) applicable to personal information that we may receive on our website offered by Stateprep LLC. We provide this Policy to help you to understand what we may do with any personal information that we obtain from you and how we may use cookies and similar technologies. All references to ‘our’, ‘us’, or ‘we’, in this Policy and within the opt-in notice are deemed to refer to Stateprep LLC.

By visiting and/or providing information to us on this Site, you are accepting the practices described in this Policy and agree that we may collect, use, and disclose your personal information as described herein. If you do not agree to this Policy please do not provide your personal information to us. This Policy is incorporated into, and part of, the Terms of Use, that govern your use of this Site in general. We will use your Personally Identifiable Information, defined below, only for the purposes set forth below.

PERSONALLY IDENTIFIABLE INFORMATION WE COLLECT

Stateprep LLC collects and uses certain Personally Identifiable Information, as defined below, that you provide voluntarily when using this Site. “Personally Identifiable Information” includes information that can identify you as a specific individual, such as your name or address. “Personally Identifiable Information” does not include anonymized, aggregate or statistical information. Specifically, Personally Identifiable Information Stateprep LLC may collect from you when you are ordering products, or requesting information or services from us may include, but is not limited to, your name, address, email address, job title, or other information we deem necessary to process your request for the products, information, or services. If you are purchasing products, we may additionally collect debit/credit card information and ship-to and bill-to information related to your purchase of the products.

We may request feedback from you in the form of surveys, questionnaires, or comment forms relating to your product preferences and your satisfaction with the products you have purchased. These requests may include demographic information (e.g., age, gender, and interests), to help us better serve you. This information will only be used for our internal and research purposes and not for purposes of future marketing activities unless otherwise explicitly stated.

Further, if you access other interactive tools or functions on this Site we may collect other types of Personally Identifiable Information from you.

AGGREGATION OF NON-PERSON-SPECIFIC DATA

We may statistically aggregate in non-person-specific form information collected to improve this Site, our quality controls, operations management, security processes, future marketing and promotional efforts, and our overall product and service offerings in an attempt to better understand our customers’ interests and preferences. In some cases we may transfer this information to third parties. By using this Site, you give your consent to this non-person-specific data aggregation and the use and transmission of this aggregated statistical data as outlined above.

EMAIL NEWSLETTERS

We may use your email address to send you email newsletters or other communications about the products and services available. You may opt out of receiving the newsletters or other communications at any time by either modifying your preferences in the “My Account” section on this Site (please note that due to email production schedules you may receive emails that are already in production), or by following the opt-out instructions provided in the email correspondence.

SHARING OR TRANSFERRING OF PERSONALLY IDENTIFIABLE INFORMATION

Except as otherwise provided herein, Personally Identifiable Information we receive from you will only be used for the purposes for which you provided it. Your Personally Identifiable Information will not be sold or provided to third parties without your permission.

• Services Provided by Third Parties. Stateprep LLC, in its sole discretion, may transfer your Personally Identifiable Information to third parties under contract with Stateprep LLC for purposes of fraud identification and detection, payment processing, product purchase fulfillment, and reporting services regarding visitor’s activities on this Site. All third parties engaged by Stateprep LLC are contractually required to maintain the confidentiality of your Personally Identifiable Information and are restricted from using the information for any purposes other than the purpose authorized by Stateprep LLC.
• We may disclose Personally Identifiable Information in the following situations: (a) in response to a subpoena, court order or legal process, to the extent permitted and required by law; (b) to protect your security, or the security of other persons, consistent with applicable laws; (c) to address actual or suspected fraud or other illegal activities; (d) in connection with a sale, joint venture or other transfer of some or all of the assets of Stateprep LLC; and € to our contractors or agents, who are committed and obliged to protect your privacy in a manner consistent with this Policy.
• International Transfer of Information. Stateprep LLC’s computer operations are currently based in the United States. The Internet is a global environment. By using this Site and sending information to us electronically, you consent to transborder and international transmission of data that you may choose to supply us. Information transmissions to this Site and emails you send to us may not be secure. Given the inherent operation and nature of the Internet, all Internet transmissions are done at the user’s own risk.

INFORMATION ACCESS AND CORRECTIONS

To access and correct Personally Identifiable Information that you have submitted to us under this Policy, you may either sign into the “My Account” section of this Site and remove or modify your shipping address, billing addresses & payment information (please note that we maintain information about an individual sales transaction in order to service that transaction and for record keeping) or you may contact us. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making alterations.

RESOLUTION OF CONCERNS

If you have questions or concerns about this Policy or how we handle Personally Identifiable Information, please contact us at, info@stateprep.com .

INFORMATION FROM CHILDREN

We recognize the importance of protecting privacy where children are involved. We are committed to protecting children’s privacy and we comply fully with the Children’s Online Privacy Protection Act (COPPA). We do not knowingly collect Personally Identifiable Information from children under the age of 16. If a child under the age of 16 has provided us with Personally Identifiable Information, we ask that a parent or guardian contact us at, info@stateprep.com . If you are under 18, please be sure to read this Policy with your parent(s) or legal guardian(s) and ask questions about things you do not understand. Those that are under the age of 18 may only purchase products from our online stores with the permission of their parent(s) or legal guardian(s).

INFORMATION RECEIVED FROM INTERNET SERVICE PROVIDERS THROUGH THIS WEBSITE

This Site receives information that is automatically generated by a user’s internet service provider (ISP). This information may include the IP address (a number automatically assigned to a computer by the ISP), the associated URLs, domain types, the browser type used to access this Site, the country, state and telephone area code, the location of the ISP’s servers, the pages of this Site that the user views, any search terms entered on this Site, the user’s website address and email address. This information may be collected for system administration purposes, to gather broad demographic information, and to monitor the level of activity on this Site. Stateprep.com does not link IP addresses to Personally Identifiable Information; however, we reserve the right to link IP addresses and other information supplied by the ISP to Personally Identifiable Information in order to protect the integrity of our system and for security purposes.

YOUR CHOICES

Stateprep, LLC strives to provide you with choices with regard to our use of your Personally Identifiable Information. For example, although we may occasionally use your Personally Identifiable Information to contact you regarding our products, information, or services of Stateprep, LLC we think might be of interest to you, we will provide you with instructions on how to opt out of receiving further communications of this nature by email should you so choose.

COOKIES

Cookies. Cookies are small text files that a web server places on your computer or mobile device. Cookies contain information that can later be read by the web server that originally placed the cookie on your computer or mobile device.

Here is a list of main types of cookies we use, and what we use them for.

1. Strictly Necessary Cookies: These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.
2. Performance Cookies: These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. Some of these are analytics cookies, set using third part web analytics software, which allow us to understand more about how our website is used. These cookies do not collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous and does not affect your privacy. It is only used to improve how a website works. We might also use these cookies to highlight Stateprep LLC products or services which we think will be of interest to you based on your use of our website. For example, like many companies we use Google Analytics. We use Google Analytics to obtain web trend information about user interaction with this site. We use this information for system administration purposes and to identify problems and improve service. While Google Analytics collects and reports information on an anonymous basis, Google Analytics uses cookies and collects IP addresses to gather web trend information. For further information about Google Analytics, and for links to Google’s Privacy Policy and an opt-out tool for Google Analytics, go to http://www.google.com/intl/en/analytics/privacyove.... By using Stateprep LLC website you agree we may place these types of cookies on your device.
3. Functionality Cookies: These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, these cookies can be used to remember changes you have made to text sizes, fonts and other parts of web pages that you can customize. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymized and they cannot track your browsing activities on other websites. By using Stateprep LLC’s website you agree we may place these types of cookies on your device.

3rd Part Cookies and Social Networks. If you click on a hyperlink from this Site to any third party websites (e.g. if you ‘share’ content from Stateprep LLC website with friends or colleagues through social networks), you may be sent cookies from these third party websites. Third party websites will have their own privacy and cookie policies which we cannot control. Please check the third-party websites for more information about their cookies and how to manage them.

How to manage cookies. If cookies aren’t enabled on your computer, it will mean that your browsing or shopping experience on our website will be limited. Some active content and online shopping baskets, for example, may not work correctly.

To turn cookies on or off for all websites via your web browser, you can follow the instructions provided by the UK Information Commission Office at http://www.ico.gov.uk/for_the_public/topic_specifi....

By using this Site, you agree to our use of cookies for the collections of certain information in order to provide the products or services you have requested and for improvement, as we deem appropriate in our sole discretion, related to our products and services.

LINKS TO OTHER SITES

This Site may contain links to other websites on the Internet that are owned and operated by third parties, or by an affiliate. Stateprep LLC does not control the privacy policies or practices of these websites. You should review the privacy policies of the third party offering the website before providing any Personally Identifiable Information to these websites. Stateprep LLC is not responsible for the content or practices of any linked third party website and such third party websites are provided solely for the convenience and information to our visitors.

SECURITY

The security of your Personally Identifiable Information is important to us. We follow generally accepted industry standards to protect the Personally Identifiable Information we receive from unauthorized access and use. When you enter sensitive information (such as credit card numbers or social security numbers) on your product or service order forms, we encrypt that information using secure socket layer technology (SSL). We safeguard your credit card information in our internal systems through the use of credit card industry standard protections. However, no method of transmission over the Internet, or method of electronic storage is 100% secure. Therefore, while we strive to use commercially reasonable means to protect your Personally Identifiable Information we cannot guarantee that your Personally Identifiable Information will never be disclosed in a manner inconsistent with the Policy (for example, as a result of unauthorized acts by third parties that violate applicable laws).

TERMS OF USE

Stateprep LLC’s online study materials and products are protected by the copyright laws of the United States. Unauthorized use of these materials, or portions of these materials, in any form whatsoever, is strictly prohibited.

Stateprep LLC’s online study materials and products are to be used solely for your own personal use and benefit. Unauthorized reproduction or commercial resale is prohibited.

Stateprep LLC’s online study materials and products are designed to improve your understanding of insurance concepts and help in memorizing the limits and numbers associated with all of the various policies and state statutes. Exam questions are not the actual state questions, but are based on the most current exam content outlines and materials being used to formulate these questions. While online practice exam questions and materials are an extremely useful tool for exam passing success, they are not a substitute for the mandatory educational requirements that must be fulfilled prior to sitting for a state exam.

You understand that online access to Stateprep LLC’s products is a limited license to use the content only during the time of the subscription purchased. The subscription is non-transferable and is to be used only by you. You will not share the username or user id and password with anyone, even if that person has their own subscription access. Any sharing of usernames or user ids and passwords is a violation of these Terms and will result in immediate suspension of your privileges to any online products at Stateprep.com without a refund.

Our online insurance exam preps are web based and work on all platforms.

REFUND POLICY

There are no refunds on any of the online access subscriptions or our bookstore study materials. All sales are FINAL, no exceptions!

UPDATES TO THIS POLICY AND TERMS OF USE

Stateprep LLC reserves the right to update, revise, modify, and supplement this Policy and any disclosures and disclaimers at any time without notice by posting an updated Policy. We encourage you to review this Policy periodically for any changes or updates. At the end of this Policy we indicate the date of the latest update to the Policy. Your continued use of this Site following any of the changes to this Policy signifies your acceptance of these changes.

HOW TO CONTACT US

If you have any questions or concerns about this Policy, please contact us at, info@stateprep.com .