We reserve the right to revise or update this Privacy Policy at any time, and you should periodically review the Privacy Policy to learn of any revisions or updates. If the revision or update is material, we will provide you notification via email or via the Site; however, for non-material revisions or updates, we will notify you by posting the revised or updated Privacy Policy and its “Last Modified Date” on the Site. Using the Site thereafter constitutes your agreement to and acceptance of the Privacy Policy and its revisions or updates.

We collect Personal Information about you in various ways, including:

• Directly from you;

• Automatically when you use the Site; and

• From third parties.

1. Personal Information from You The Company may collect Personal Information directly from you when you use the Site. For example, the Company may collect Personal Information directly from you when you register for an account, pay for the Products, or complete a course. The Company collects the following types of Personal Information:

   • Identifiers, including real name, alias, telephone number, postal address, email address, date of birth, financial and bank information, driver’s license number, social security number; account name, or other similar identifiers;

   • Information Listed in the California Customer Records Statute, including name, postal address, telephone number, social security number, driver’s license number, employment information and history, financial and bank information;

   • Commercial Purchasing Information, including records of personal property, products or services purchased, obtained, or considered and other purchasing or consuming histories and tendencies;

   • Biometric Information, including photos of users;

   • Audio, electronic, visual, thermal, olfactory, or similar information;

   • Education Information, defined as information that is not publicly available Personal Information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. Sec. 1232g; 34 C.F.R. Part 99);

   • Professional or Employment Related Information;

   • Order Information, including name, shipping address, and financial information;

   • Inferences drawn from any of the information identified in this Privacy Policy to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes; and

   • Sensitive Personal Information, including social security number, driver’s license number, state identification card, or passport number, account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account, precise geolocation, racial or ethnic origin, citizenship or immigration status, religious or philosophical beliefs, union membership, the contents of mail, email, and text messages unless we are the intended recipient of the communication, genetic data, neural data, the processing of biometric information for the purpose of unique identification, personal information collected and analyzed concerning health, personal information collected and analyzed concerning sex life or sexual orientation.

   • Special Category Information Some of the information that we may collect as a result of providing the Products is particularly sensitive (e.g., social security number and driver’s license number). We only collect this information as provided by or consented by you. Such sensitive information is only shared for the purpose of providing the Products you request or as consented for and will not be shared or used by us for any other purposes.

2. Personal Information Automatically Collected The Company and third-party service providers may automatically collect information about you when you use the Site. This information is primarily needed to maintain the security and operation of the Site, and for our internal analytics so that we can improve our Services and Site. This information includes:

   • Identifiers, including internet protocol address, unique personal identifiers (cookies), online identifiers;

   • Internet or Other Electronic Network Activity Information, including browsing history, search history, browser and device information, hardware model, software, preferred language, unique device identifiers, advertising identifiers, network information, clickstreams, search history, information regarding your interaction with our Site or any advertisements, cookies, pixel tags, browser version, IP address, entry and exit pages, various operating system; and

   • Geolocation, including IP address.

   • Web Beacons, (a.k.a. clear GIFs or pixel tags), including tiny graphic image files embedded in a web page or email that may be used to collect information about your use of the Site. The information collected by web beacons allows us to analyze how many people are using the Site, using selected publishers’ websites, or opening emails, and for what purpose.

   • i. Cookies Like many other websites, we and our partners use cookies (a small, removable data file that is stored by the web browser on your computer that identifies your computer and browser when you visit the Site or purchase the Products) and various technologies to collect and store information, and this may include sending one or more cookies or anonymous identifiers to your device. You can disable cookies by turning them off in your browser, however, some areas of the Site may not function properly if you do so. We use cookies to help us improve your access to the Site and identify repeat visitors to the Site. For instance, when we use a cookie to identify you, you do not have to log in a password more than once, thereby saving time and improving efficiency while on the Site. Cookies can also enable us to track and target the interests of our users to enhance the experience on the Site. Usage of a cookie is in no way linked to any personally identifiable information on the Site. Please be aware that some of our business partners may use cookies or other methods of tracking and targeting use on the Site. However, we do not have access to nor control over these cookies, and this Privacy Policy does not extend to such third parties or third-party cookies.

   • ii. Google Analytics We use Google Analytics on the Site to help us analyze the traffic on the Site. For more information on Google Analytics’ processing of Personal Information, please see http://www.google.com/policies/privacy/partners/ You may opt out of the use of Google Analytics here: https://tools.google.com/dlpage/gaoptout.

   • iii. Do-Not-Track Many web browsers include a Do Not Track (“DNT”) feature or setting that signals your preference not to have data about your online browsing activities monitored and collected. If a web service operator elects to respond to a particular DNT signal, the web service operator may refrain from collecting certain Personal Information about the browser’s user. Not all browsers offer a DNT option and there is currently no uniform standard for recognizing and implementing the DNT signals. As such, the Company does not monitor or respond to DNT browser requests. For more information about DNT signals, visit http://allaboutdnt.com.

   • iv. Mobile Device Identifiers We may use Mobile Device Identifiers to help us learn more about our users’ demographics and Internet behaviors in order to personalize and improve the Site. Mobile device identifiers are data stored on mobile devices that may track activities occurring on and through it, as well as the applications installed on it. Mobile device identifiers enable collection of personal information (such as media access control, address, and location.

3. Personal Information from Third Parties In addition to collecting some Personal Information directly from you, we may collect Personal Information from third parties including our Affiliates and Subsidiaries, data providers, and regulatory agencies where permitted and required by law. You agree that the third-party providers of data, not the Company, are responsible for maintaining your information with proper and sufficient accuracy and authority in accordance with all governing laws and regulations. We make no effort to verify any information for any purpose, including accuracy, legality, or non-infringement that we properly receive from third parties. We may also receive information about you from social media platforms, such as when you interact with us on those platforms or access our social media content. Please note that the information we may receive from those third-party sites (such as Facebook, Instagram, Twitter and YouTube) is governed by the privacy settings, policies and/or procedures of the applicable platform, and we strongly encourage you to review them before submitting any information using a social media platform.

The Company processes Personal Information to do the following:

• Provide the Site, Products, and information that you request from us;

• Enhance, develop, and improve the Site and the Products;

• Notify you about any changes to the Site or any of the Products;

• Provide you with information regarding your transactions with us, usage of the Products, or transactions with third parties on your behalf;

• Provide a more personalized experience and recognize you when you return to the Site;

• Perform services on our behalf by our Affiliates or other unaffiliated companies, such as managing hosting services or processing services to facilitate our business and the provision of services to you;

• Maintain the security and integrity of the Site and our IT systems;

• Analyze transactions, trends, and statistics regarding the use of the Products;

• Analyze user traffic with respect to various services available through the Site to allow for a more customized and enjoyable user experience;

• Contact you regarding your transactions with us, your usage of the Products or transactions, or to contact u with information that may be of use or interest to you;

• Support our internal and business operations, including marketing and advertising;

• Fulfill any other purpose for which you provide it;

• Fulfill any legal or regulatory requirements and any of our internal policies;

• Fulfill other purposes disclosed at the time of collection;

• Enforce separate agreements between you and us, enforce this Privacy Policy, or in connection with a transaction with similar effect;

• For any other purpose with your consent; and

• As otherwise set forth in this Privacy Policy.

We do not sell, share, rent, or otherwise disclose the Personal Information collected from the purchase of Products or on the Site, to third parties for monetary or other valuable consideration, unless otherwise stated below or with your consent:

• Parent Companies, Subsidiaries, & Affiliates. We may disclose Personal Information about you to our parent companies, Subsidiaries, and Affiliates;

• Regulatory Agencies and Insurance Industry Associates. We may disclose Personal Information about you to regulatory agencies to comply with state regulatory requirements, such as state licensure rules and state taxation requirements. We may also disclose to insurance industry associates, such as the National Insurance Producer Registry Gateway, Financial Industry Regulatory Authority (FINRA), Nationwide Mortgage Licensing System (NMLS), and other similar entities.

• Business Partners. We may share your Personal Information with our business partners to provide you with a product or service you have requested. We may also share your Personal Information to business partners with whom we jointly offer the Products.

• Service Providers & Contractors. We may share your Personal Information with contractors, service providers, and other third parties we use to support our business, including but not limited to internal and business operations, security, proctoring, and payment processing, and who are bound by contractual obligations to comply with applicable privacy laws, keep Personal Information confidential and use it only for the purposes for which we disclose it to them, and allow us to monitor, stop, and remediate unauthorized use of Personal Information.

• Advertising Partners. We may share your Personal Information with third party advertising partners, such as Google Display Advertising and Remarketing services. These advertising partners may use first- and third-party cookies together to inform, optimize, and serve ads based on your past visits to the Site. You can opt out of these services using the Ads Preferences Manager or you can use the Google Analytics opt-out browser add-on. These advertising partners may use this information (and similar information collected from other services) for purposes of delivering personalized advertisements to you when you visit digital properties within their networks, commonly referred to as “interest-based advertising.”

• Real Estate Firms. We may disclose your Personal Information to real estate firms if you participate in the Agent Start program.

• Referrals. We may disclose your Personal Information to your referral source, the referring third party that led you to the Site.

• In The Event of Merger, Sale, Divestitures, or Change of Control. We may transfer or assign Personal Information to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us about the Site users is among the assets transferred.

• Other Disclosures. We may disclose your Personal Information if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to: (i) comply with any court order, law, or legal process, including responding to any government, law enforcement, or regulatory request or complaint; enforce or apply our terms of use ("Terms of Use"), other agreements, including between you and us, and any other documents included or referenced therein (all of which are incorporated into and made a part of this Privacy Policy by this reference); (iii) fulfill the purpose for which you provide it; (iv) detect, prevent, or otherwise address fraud or security issues; or (v) protect against harm to our, your, or third parties’ rights, property, or safety.

We may share de-identified and/or aggregate analytics with third-party partners about how users interact with the Products or the Site, including usage patterns for certain programs, content, services, advertisements, promotions, and/or functionality available through the Site.

The Site may link to third-party websites, online services, products, mobile applications and/or contain advertisements from third parties that are not affiliated with us—and which may link to other websites, services, or applications. Please be aware that we are not responsible for the privacy or practices of other websites or third parties, including those using the Company or our Affiliates and Subsidiaries branding. We do not make any guarantee regarding those third-party websites, services, or applications, and we are not liable for any loss or damage caused by the use of such sites. Any data collected by third parties is not covered by this Privacy Policy. You should review the policies of the third parties and contact them directly if you have any questions about their services or practices. This Privacy Policy covers only the Site and not any other website.

From time-to-time the Site may request information via surveys. Participation in these surveys is completely voluntary, and you may choose whether or not to participate and therefore whether or not to disclose information sought by such surveys or contests. You may revoke your participation at any time. These surveys are in addition to and separate from any course completion surveys which are mandatory. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Survey information will be used for purposes of monitoring or improving the use and satisfaction of the Site. We may contact you regarding the surveys and contests to notify the winners and award prizes. You should carefully review the official rules of any survey or contest in which you participate, including any option to opt-out of receiving special offers and marketing material by unchecking the appropriate box when registering. We may share your information, as required by law or regulation, to third party regulatory agencies in order to comply with state regulatory requirements, such as state licensure rules and state taxation requirements. If you have any questions or concerns, please contact us via the Contact Us section below.

From time to time, we may display personal testimonials of yours received via email or as otherwise received from you by the Company. By accepting the Terms of Use, which incorporate this Privacy Policy, you consent to our use of any such personal testimonial. If you would like for us to remove your testimonial at any time, please contact us via the Contact Us section below, and we will promptly do so.

You have choices about how we use your information. Please understand that if you choose not to disclose information to us, it may affect your ability to use some features on the Site.

1. Cookies & Similar Technologies You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly. You may opt out of receiving certain cookies by visiting the Network Advertising Initiative (“NAI”) opt out page or the Digital Advertising Alliance (“DAA”) opt out page, or by installing the DAA’s AppChoices app (for iOS; for Android) on your mobile device. When you use these opt-out features, an “opt-out” cookie will be placed on your device indicating that you do not want to receive interest-based advertising from NAI or DAA member companies. If you delete cookies on your device, you may need to opt out again. For information about how to opt out of interest-based advertising on mobile devices, please visit https://thenai.org/opt-out/mobile-opt-out/. You will need to opt out of each browser and device for which you desire to apply these opt-out features.

2. Marketing From time to time if you have supplied your email address and contact information, the Company and its affiliates may send you marketing or informational emails. If you do not wish to have your information used by us to promote the Products or third parties’ products or services, you may opt out of these communications and any future contact from us by contacting us as specified in the Contact Us section below. If we have sent you a promotional email and you wish to stop receiving certain emails, please click the "unsubscribe" link at the bottom of the email. This opt out does not apply to information provided to us as a result of a product purchase, surveys or contests, product service experience or other transactions.

3. Advertising Advertisements appearing on the Site may be delivered by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by us and does not cover the use of cookies by any advertisers. We and our service providers may use information about your interactions with the Site to predict your interests and select the ads you see on and off the Site. This is known as interest-based advertising. We may also use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your Personal Information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria. In providing interest-based ads, we follow the Self-Regulatory Principles for Online Behavioral Advertising developed by DAA. We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. For more information about interest-based advertising and how you can opt out, visit:

   • Digital Advertising Alliance: http://www.aboutads.info/choices

   • Network Advertising Initiative: http://www.networkadvertising.org/choices/

We do not knowingly collect or solicit Personal Information on individuals under the age of 18. You are required to verify that you are 18 years of age or older when you register. If you are under the age of 18, you must have parental or guardian consent prior to providing any information to or on the Site or through any of its features, use any of the interactive or public comment features of the Site, or provide any Personal Information about yourself to the Company. If we learn that we have inadvertently collected or received Personal Information from a person under the age of 18, other than where such Personal Information has been provided with parental or guardian consent, we will delete that information as quickly as possible.

If you believe that we, with the exception of where such Personal Information has been provided with parental or guardian consent, may have any Personal Information from or about a person under the age of 18, please contact us as specified in the Contact Us section below. We encourage parents to monitor their children’s Internet usage and/or to use web filtering technology to supervise their children’s access to the Internet.

The Company utilizes a number of security technologies, policies and procedures that are designed to protect your Personal Information from unauthorized access, use or disclosure. We have implemented security technologies on the network, server, and application levels and use secure (“SSL”) connections and encryption policies designed to protect against the loss, misuse and alteration of your Personal Information during transmission. We cannot, however, control the manner in which your Personal Information is transmitted to us, either by you or a third party acting on your behalf, or the manner in which regulatory agencies may require disclosure of your Personal Information to them. Our procedures regarding the handling of your Personal Information are designed to comply with the requirements of United States laws and regulations. When contracting with service providers and/or contractors, we take appropriate steps to ensure that such third parties are required to maintain adequate protection of your information. We take precautions to protect the sensitive information you submit; your information is protected both online and offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information.

We will only keep your Personal Information for as long as reasonably necessary to fulfill the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, student records or other legal requirements).

The Site is hosted in the United States and are intended solely for individuals located within the United States. If you do not reside in the United States and provide Personal Information to us, please note that your Personal Information will be transferred, processed, collected, used, accessed and/or stored in the United States and subject to U.S. laws. The laws in the United States may not provide the same protections for your Personal Information as the jurisdiction in which you are located. Do not provide your Personal Information to us if you do not want this information to be transferred or processed outside of your country, or if the laws in your country restrict such transfers.

The CE Shop LLC participates in the Agent Start program. Students must consent to participate in this program prior to enrollment. As a part of your enrollment and participation in this program, we will collect, process, and share your Personal Information with third party vendors and contractors. For more information on the Agent Start program, please visit https://www.theceshop.com/legal.

This section explains how we collect, use, and disclose Personal Information about users, customers, and visitors who reside in California (“consumers” or “you”). It also explains certain rights afforded to consumers under California’s Shine the Light law and the California Consumer Privacy Act of 2018 (“CCPA”), as revised and updated by the California Privacy Rights Act (“CPRA”). This section uses certain terms that have the meaning given to them in the CCPA including Personal Information. “Personal Information” for purposes of this Privacy Policy is as defined by applicable laws.

The following section does not apply to individuals who do not live in California on a permanent basis, individuals who we do not collect Personal Information about, or individuals for whom all of the information we collect is exempt from California laws.

1. Categories of Personal Information Collected We may collect (and have collected during the 12-month period prior to the “Last Modified” date of this Privacy Policy) the above categories of Personal Information about you in the Collection of Personal Information section above.

2. Purpose of Collection We may use (and may have used during the 12-month period prior to the “Last Modified” date of this Privacy Policy) your Personal Information for the business or commercial purposes described in the Purpose of Collection section above.

3. Sources of Personal Information During the 12-month period prior to the “Last Modified Date” of this Privacy Policy, we may obtain (and may have obtained) Personal Information about you from the sources identified in the Collection of Personal Information section above.

4. California Consumer Privacy Rights Under California’s “Shine the Light” law, California residents have the right to request in writing from businesses with whom they have an established business relationship, (a) a list of the categories of Personal Information, such as name, e-mail and mailing address and the type of services provided to the customer, that a business has disclosed to third parties (including affiliates that are separate legal entities) during the immediately preceding calendar year for the third parties’ direct marketing purposes; and (b) the names and addresses of all such third parties. To request the above information, please contact us as directed in the Contact Us section below with a reference to California Disclosure Information.

Under CCPA, consumers have certain rights regarding their Personal Information, as described below.

• Right of Access: You have the right to request, twice in a 12-month period, that we disclose to you the following information about you, limited to the preceding twelve (12) months:

• The categories of Personal Information that we collected about you;

• The categories of sources from which the Personal Information is collected;

• The business or commercial purpose for collecting, selling, or sharing Personal Information;

• The categories of third parties with whom we disclose Personal Information;

• The specific pieces of Personal Information that we have collected about you;

• The categories of Personal Information that we sold or shared about you and the categories of third parties to whom the Personal Information was sold or shared, by category or categories of Personal Information for each category of third parties to whom the Personal Information was sold or shared; and

• The categories of Personal Information we disclosed about you for a business purpose and the categories of persons to whom it was disclosed for a business purpose.

• Right of Deletion: You have the right to request that we delete any Personal Information about you which we have collected from you, subject to exceptions within the law.

• Right to Opt-Out: You have the right to opt-out of the selling or sharing of Personal Information about you.

• Right to Limit Use and Disclosure of Sensitive Personal Information: You have the right, at any time, to direct us to limit our use of your Sensitive Personal Information. If you exercise this right, we will limit our use of your Sensitive Personal Information to only the following categories of permitted uses:

• Use of Sensitive Personal Information that is necessary to perform the services or provide the goods reasonably expected by you, based on your request.

• For the following business purposes:

• Helping to ensure security and integrity, where the use of Personal Information is reasonably necessary and proportionate for these purposes.

• Short-term, transient use, including non-personalized advertising shown as part of your current interaction with us, provided that the Sensitive Personal Information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the current interaction.

• Performing services on our behalf, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing providing analytic services, providing storage, or providing similar services on our behalf.

• Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us.

• As otherwise permitted or required by law.

• Right to Correction: You have the right to request that we maintain accurate Personal Information about you and correct any inaccurate Personal Information about you which we have collected from you, subject to exceptions within the law.

If you would like to exercise your California privacy rights, please refer to the Consumer Requests and Verification section below.

1. Right to Non-Discrimination We may not discriminate against you because you exercise any of your rights under CCPA, including, but not limited to:

   • Denying goods or services to you;

   • Charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties;

   • Providing a different level or quality of goods or services to you; or

   • Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

   • Retaliating against you if you are an employee, applicant for employment, or independent contractor.

2. Verifying Requests You may request to exercise your rights of access, deletion, or correction under CCPA by contacting us as described in the Contact Us section below. To help protect your privacy and maintain security, we will take steps to verify your identity before processing your request. If you request access to or deletion of your Personal Information, we may require you to provide any of the following information: name, date of birth, email address, telephone number, or postal address. When you make such a request, you can expect the following:

   • As required under applicable law, we will verify your identity. You will need to provide us with your email address and full name. We may ask for additional information if needed.

   • We will confirm that you want your information accessed, corrected, and/or deleted.

   • We will confirm our receipt of your request within 10 days. If you have not received a response within a few days after that, please let us know by contacting us at the webpage or phone number listed below.

   • We will respond to your request within 45 days upon receipt of your request. If necessary, we may need an additional period of time, up to another 45 days, but we will reply either way within the first 45-day period and, if we need an extension, we will explain why.

   • In certain cases, a request for access, correction, or deletion may be denied. For example, if we cannot verify your identity, the law requires that we maintain the information, if we need the information for internal purposes such as providing Products or completing an order, or if we must keep the information pursuant to state or federal laws. If we deny your request, we will explain why we denied it and delete any other information that is not protected and subject to denial.

   • If we do not take action on your request, we will inform you of the reasons for not taking action and any rights you may have to appeal the decision.

   • If your request is manifestly unfounded or excessive, in particular because of its repetitive character, we may charge a reasonable fee, taking into account the administrative costs of providing the information or communication or taking the action requested. We are not required to comply with a request to delete Personal Information to the extent the request applies to grades, educational scores, or educational test results that are held on behalf of a local educational agency (as defined in Section 49073.1 of the California Education Code) at which the individual that is the subject of the request is currently enrolled. If we do not comply with a request pursuant to this section, we will notify the requestor that we are acting pursuant to this exception. We are not required to disclose an educational standardized assessment or educational assessment or specific responses to the educational standardized assessment or educational assessment if access, possession, or control would jeopardize the validity and reliability of that educational standardized assessment or educational assessment. If we do not comply with a request pursuant to this section, we will notify the requestor that we are acting pursuant to this exception.

3. Authorized Agents You may designate an authorized agent to request any of the above rights on your behalf. You may make such a designation by providing the agent with written permission, signed by you, to act on your behalf. Your agent may contact us as described in the Contact Us section below to make a request on your behalf. Even if you choose to use an agent, we may, as permitted by law, require:

   • The authorized agent to provide proof that you provided signed permission to the authorized agent to submit the request;

   • You to verify your identity directly with us; or

   • You to directly confirm with us that you provided the authorized agent permission to submit the request.

You may access and update your Personal Information by logging into your account, select “My Profile” and make the necessary updates. You may also contact us as specified in the Contact Us section below. Any revisions you provide to your Personal Information will be applied in our records but may not be updated in the records of the third parties to which we have provided your data at your request. If you would like to review and correct the Personal Information that has been provided to third parties, you will need to contact them directly.

If you have any questions or concerns regarding our privacy practices, your privacy rights, or this Privacy Policy, please use one of the following methods to contact us:

Email: privacy@careercertified.com.

Toll-free Number: 888-559-7354