OUR PRIVACY COMMITMENT At Inceptia, maintaining the trust and confidence of the individuals we serve is a high priority. That’s why we want you to understand how we protect your privacy when we collect and use information about you. We respect your right to privacy and recognize our obligation to keep information about you secure and confidential. We do participate in a number of programs with commercial business partners, and we make available some of those programs to individuals using this website, but only if the user affirmatively agrees to receive information and participate in such programs. Otherwise, we do not sell or share information about you with outside marketers or other companies which may then try to sell their products or services to you. Disclaimer This website is designed to provide accurate and authoritative information with regard to the subject matter covered. It is provided with the understanding that Inceptia is not engaged in rendering legal, accounting or other professional advice. Since individual situations may be fact-dependent, and if expert advice is required, the services of a competent professional should be sought. Before acting on the suitability of this information for your personal situation, please consult your accountant, financial advisor, investment counselor or other knowledgeable professional. References to specific companies, stocks or other investments are “for example only” and such information may have been previously disseminated in another format. Types of Information that May Be Collected The following are the types of information we may collect: Information You Provide Us. Personal information such as your user ID and password, name, e-mail address, telephone number, physical address, birth date, gender, zip code or other information may be collected via the site. Site Usage Information. We may receive and store certain types of information whenever you visit the site. For example, we may collect click-stream data and your IP address. Inceptia SMS Terms of Service. When you opt-in to the service, we will send you an SMS message to confirm your signup. This service is used to send you notifications from Inceptia on behalf of your institution. The messages will consist of reminders and/or updates to your account. You can cancel this service at any time. Just text “STOP” to the incoming message. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, just sign up as you did the first time and we will start sending messages to you again. If at any time you forget what keywords are supported, just text “HELP” to the incoming message. After you send the message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe. We can deliver messages to the following mobile phone carriers: Major Carriers: AT&T, Verizon Wireless, Sprint, T-Mobile Minor Carriers: U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation),Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless). As always, Message and Data Rates May Apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the services provided by Inceptia, you can send an email to inceptiacs@inceptia.org Email Communications. When you open e-mails from the site, we may receive a confirmation noting you opened an e-mail from us, if your computer supports such capabilities. We also may keep track of what e-mails we send you and what e-mails you may be receiving from any of our affiliates. Additionally, we keep a record of what e-mails you have opted to receive and those e-mail transmissions you have declined. Information from Other Sources. We may receive information about you from other sources and add it to the company’s database. How Information May Be Collected We may collect information from you in several different areas on the site, including but not limited to those described below: Registration. We may ask you to complete a registration form through an opt-in process and provide personally identifiable information; you may also be asked to choose a user ID and password in order to take advantage of certain features the site may choose to offer including, but not limited to, newsletters, forms, business partner programs, or other subscription based services. Newsletters and Site Emails. We may offer free newsletters to share information with you about the site, about us and our affiliates and subsidiaries, or about our business partners. You may receive a newsletter either by registering for a particular newsletter or in conjunction with a special feature or membership for which you have registered on the site. You may cancel your free e-mail subscription by following the instructions provided on the site or, in some instances, in the designated area on certain newsletters or e-mails. Surveys. From time to time, we may request personally identifiable information from you via surveys. Participation is voluntary and you will have the opportunity to decide whether or not to disclose information. At times, you may have to register to take part in a survey. Cookies. As with many websites, this site uses standard technology called “cookies”, which are small data files that are transferred to your computer when you allow your browser to accept cookies. Cookies automatically identify your web browser to the site whenever you visit the site, and make using the site easier for you by saving your passwords, purchases, and preferences. By tracking how and when you use the site, cookies help us determine which areas are popular and which are not. Many improvements and updates to the site are based on data obtained from cookies. Accepting cookies allows you, among other things, to personalize your experience on the site. Cookies may also allow the site to present you other information which may be of interest to you. If you do not want information collected through the use of cookies, you generally can opt out of providing this information by turning the cookies off in your browser; however, some areas of the site may not provide you with a personalized experience if you have disabled the use of cookies. IP Addresses and Click-stream Data. We may collect IP addresses and/or click-stream data for purposes of system administration and to assemble aggregate information used for our internal operations. An IP address is a number that is automatically assigned to your computer whenever you access the Internet. Our computers identify your computer by its IP address. When you request web pages from the site, our computers log your IP address. We use third-party vendors to collect click-stream data. Click-stream data is information collected by our computers when you request web pages from the site. Click-stream data may include such information as the page served, the time, the source of the request, the type of browser making the request, the preceding page view and other such non-personal information. When analyzed, this data helps us examine how visitors arrive at the site, what type of content is most popular, what type of visitors in the aggregate are interested in particular kinds of content, and the like. How We Use the Information Collected The information you provide to us may be used to: Contact you about the site; Confirm or respond to a request you have made; Monitor or improve the use of the site; Customize the content you see; Monitor compliance with our terms and conditions of use of the site; Provide special offers to you from Inceptia and its affiliates and subsidiaries and, occasionally, our business partners and other third parties; Send you promotional materials associated with the programs provided by Inceptia and our business partners. We do not disclose any personally identifiable information about you to anyone, except as identified above or as may be otherwise permitted by law. We restrict access to personally identifiable information to our employees who need to know the information, and to our contractors and agents, in order to provide service to you as may be made available within the site. We maintain physical, electronic and procedural safeguards in compliance with federal law to safeguard personally identifiable information. Children's Online Privacy Protection Act We do not intend to collect information from children under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older. If we learn that we have inadvertently collected personally identifying information from a child under the age of 13, we will promptly take all reasonable measures to delete the data from our system. Links to Third Party Websites We may provide links from our website to other websites. Links are provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by Inceptia of any of the products, services, or opinions of the corporation or organization or individual. Inceptia bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links. You should review the third parties’ privacy policies and terms of use carefully before providing personal information to those websites. Inceptia does not collect or sell a user’s online activity on our website, nor do we sell or distribute such user activity on the website for marketing purposes. Since Inceptia does not engage in these activities, we do not react or respond to a “do not track” signal from a user’s web browser or other mechanism. Privacy Notice for European Union Residents Inceptia complies with applicable provisions of the European Union Privacy Directives, most notably the EU General Data Protection Regulation. By providing our services, we may from time to time collect, store, use, or process your personal data for legitimate business purposes. Inceptia’s processing of your data is necessary for compliance with its contractual and legal obligations. Personal data means any identifier information, such as your name, social security number, identification number, location data, or other online identifiers and factors. If you are accessing Inceptia websites from a location outside of the United States, you will be connected through and to servers located within the United States. All information you provide will be securely maintained on web servers and our internal systems located within the United States. By providing your information to us, you agree that all personal information will be used in accordance with this privacy notice and pursuant to U.S. law. You have the right to withdraw consent at any time. Further, you have the right to request access to and rectification, restriction, or erasure of your personal data. Along with these rights, if you believe that your data has been mishandled in violation of a privacy directive, you have the right to lodge a complaint with the relevant supervisory authority. If you have questions or concerns about our data processing practices, please address such inquiries to Inceptia Client Services. No Guarantees While this Policy states our standards for maintenance of Personal Information, and we will make efforts to meet them, we are not in a position to guarantee these standards. There may be factors beyond our control that may result in disclosure of Personal Information. As a consequence, we disclaim any warranties or representation relating to maintenance or nondisclosure of any Personal Information collected from Website users or visitors. Contacting Us If you have any questions or comments regarding this policy, please email inceptiacs@inceptia.org or contact us using the information below: Client Services Inceptia P.O. Box 82507 Lincoln, NE 68501-2507