Privacy Policy

Coaching Actuaries is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Privacy Policy applies to the Coaching Actuaries Web Site (https://www.coachingactuaries.com/) and governs data collection and usage. Coaching Actuaries cannot provide you with its online services without your consent to the data practices described in this Privacy Policy.By using the Coaching Actuaries Web Site, you accept and agree to be bound and abide by this Privacy Policy.This Privacy Policy describes the types of information Coaching Actuaries may collect from you or that you may provide when you visit the Coaching Actuaries Web Site and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Privacy Policy applies to information we collect:

• On the Coaching Actuaries Web Site.
• In e-mail, text and other electronic messages between you and the Coaching Actuaries Web Site.
• Through mobile and desktop applications you download from the Coaching Actuaries Web Site or third party marketplaces, which provide dedicated non-browser-based interaction between you and the Coaching Actuaries Web Site.
• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this Privacy Policy.

This Privacy Policy does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by Coaching Actuaries or any third party.
• Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Coaching Actuaries Web Site.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use the Coaching Actuaries Web Site. By accessing or using the Coaching Actuaries Web Site and services, you agree to this Privacy Policy. This policy may change from time to time. Your continued use of our Coaching Actuaries Web Site and services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Coaching Actuaries collects only the personally identifiable information that we require to provide you with an account, billing, and the subscriptions you purchase. Without collecting this information, we are unable to provide you with our services.

This information includes information you provide when you register on the Coaching Actuaries Web Site or express an interest in obtaining information about the services offered in connection with the Coaching Actuaries Web Site. This information also includes your e-mail address, name, home or work address or telephone number, and records and copies of your correspondence, if you contact us. We need this information for billing purposes and to provide you with a login to use our services. We collect information on your usage of our system, such as which exams and quizzes you took, what score you received on them, and what videos and manual items you watched or read in order to provide you with the content that you have purchased. We also anonymously aggregate your answers to test questions in order to ensure the integrity of our question bank.

Coaching Actuaries also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Coaching Actuaries. This information can include: device and usage information, your IP address, browser and device type, operating system, language preferences, device name, domain names, access times and referring web site addresses. This information is used by Coaching Actuaries for the operation and security of the service, to maintain quality of the service, and to provide general statistics regarding use of the Coaching Actuaries Web Site.

You also may provide information to be published or displayed (hereinafter, "posted") on public areas of the Coaching Actuaries Web Site, or transmitted to other users of the Coaching Actuaries Web Site or third parties (collectively, "Submissions"). Your Submissions are posted on and transmitted to others at your own risk. Although you may set certain privacy settings for such information by logging into your account profile, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Coaching Actuaries Web Site with whom you may choose to share your Submissions. Therefore, we cannot and do not guarantee that your Submissions will not be viewed by unauthorized persons. Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Coaching Actuaries public message boards, this information may be collected and used by others. Note: Coaching Actuaries does not read any of your private online communications.

Coaching Actuaries encourages you to review the privacy statements of web sites you choose to link to from Coaching Actuaries so that you can understand how those web sites collect, use and share your information. Coaching Actuaries is not responsible for the privacy statements or other content on web sites outside of the Coaching Actuaries and Coaching Actuaries family of web sites.

Coaching Actuaries collects and uses your personal information to operate the Coaching Actuaries Web Site,  deliver the services you have requested, and to fulfill any other purpose for which you provide it. Coaching Actuaries also uses your personally identifiable information to inform you of other products or services available from Coaching Actuaries and its affiliates. Coaching Actuaries also uses your personally identifiable information to provide you with notices about your account, notify you of changes to the Coaching Actuaries Web Site, allow you to participate in interactive features on the Coaching Actuaries Web Site, in any other way Coaching Actuaries describes when you provide the information, and for any other purpose with your consent. Coaching Actuaries may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Coaching Actuaries does not sell, rent, or lease its customer lists to third parties. Coaching Actuaries may disclose aggregated information about our users, and information that does not identify any individual, without restriction. Coaching Actuaries may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Coaching Actuaries may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Coaching Actuaries, and they are required to maintain the confidentiality of your information.

Coaching Actuaries does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Coaching Actuaries may disclose personally identifiable information we collect or you provide as described in this Privacy Policy: to our subsidiaries and affiliates; to contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them; 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 Coaching Actuaries’ assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personally identifiable information held by Coaching Actuaries about the Coaching Actuaries Web Site users is among the assets transferred; to fulfill the purpose for which you provide it; for any other purpose disclosed by us when you provide the information; where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract; if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Coaching Actuaries, our users, or others. This includes to enforce or apply our Terms of Use and other agreements.

Coaching Actuaries keeps track of the web sites and pages our customers visit within Coaching Actuaries, in order to determine what Coaching Actuaries services are the most popular. This data is used to deliver customized content and advertising within Coaching Actuaries to customers whose behavior indicates that they are interested in a particular subject area.

The Coaching Actuaries Web Site will disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Coaching Actuaries or the Coaching Actuaries Web Site; (b) protect and defend the rights or property of Coaching Actuaries; and, (c) act under exigent circumstances to protect the personal safety of users of Coaching Actuaries, or the public.

You can review and change your personally identifiable information by logging into the Coaching Actuaries Web Site and editing your profile. If you delete your Submissions from the Coaching Actuaries Web Site, copies of your Submissions may remain viewable in cached and archived pages, or might have been copied or stored by other Coaching Actuaries partners/users. Proper access and use of information provided on our Coaching Actuaries Web Site including Submissions, is governed by our Terms of Use.

California “Shine the Light” Request. California residents may request a list of all third parties to which we have disclosed certain personally identifiable information about you for marketing purposes. You may make one request per calendar year. In your request, please attest to the fact that you are a California resident and provide a current California address for your response. You may request this information in writing by contacting us at:

Salt Solutions, Inc. dba Coaching Actuaries, Inc.

Attn: Privacy Officer

2231 NW 108th St.

Clive, IA 50325

Email: [email protected]

We do not knowingly solicit data from or market to children under 18 years of age. By using the Coaching Actuaries Web Site, you represent that you are at least 18 or that you are the parent or guardian of such minor and consent to such minor dependent’s use of the Coaching Actuaries Web Site. If we learn that personal information from users younger than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at [email protected]. California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see your state privacy rights for more information.

We will retain your information for as long as your account is active or as long as needed to provide you with the Coaching Actuaries Web Site  or Coaching Actuaries services, unless a longer retention period is required or permitted by law. Once we have no ongoing legitimate business need to process your personally identifiable information, we will either delete or anonymize such information, or, if this is not possible, then we will securely store your personal information and isolate it from any further processing until deletion is possible.

We may retain and use your information in order to comply with our legal obligations, resolve disputes, prevent abuse, and to enforce our Terms of Use.
If at any time you wish to remove your personal information from our system, contact [email protected].

If you view, purchase, or access our services via one of our affiliates, such as Crush or the Actuarial Bookstore, only the data required to receive or validate the purchase of the goods and services you have requested will be shared with them. This data will be governed by their data and privacy policies.The Coaching Actuaries Web Site may contain advertisements from third parties that are not affiliated with us and may link to our services. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this Privacy Policy. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services or applications that may be linked to or from the Coaching Actuaries Web Site. You should review the policies of such third parties and contact them directly with your questions.

We use a third party payment processor to process payments made to us. In connection with the processing of such payments, we do not retain any financial information such as credit card numbers. Rather, all such information is provided directly to our third party processor, Stripe, whose use of your personal information is governed by their privacy policy.

The Coaching Actuaries web Site uses "cookies" to personalize your online experience. A cookie is a text file saved to your hard disk by a web server.

Cookies are a convenience feature to save you time. The purpose of a cookie is to inform the web server that you returned to a specific page. For example, when you register with Coaching Actuaries, a cookie helps Coaching Actuaries recall your specific information. When you return to the same Coaching Actuaries web page, the information you previously provided can be retrieved. In short, cookies allow you to customize your Coaching Actuaries features.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies. Usually you can modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you will not be able to login or use the interactive features of the Coaching Actuaries' free or paid services.Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to the Coaching Actuaries Web Site.

Pages of our the Coaching Actuaries Web Site and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Coaching Actuaries has implemented appropriate technical and organizational security measures designed to protect the security of any personally identifiable information. We process and secure your personal information from unauthorized access, use or disclosure. When Coaching Actuaries secures the personally identifiable information you provide, it is secured on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure.However, despite our safeguards and efforts to secure your information, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from the Coaching Actuaries Web Site is at your own risk. You should only access the Coaching Actuaries Web Site within a secure environment.

Coaching Actuaries will occasionally update this Privacy Policy to reflect company and customer feedback. Coaching Actuaries encourages you to periodically review this Privacy Policy to be informed of how Coaching Actuaries is protecting your information.

Coaching Actuaries welcomes your comments regarding this Privacy Policy. If you believe that Coaching Actuaries has not adhered to this Privacy Policy, please contact Coaching Actuaries at [email protected] or visit us at https://www.coachingactuaries.com/Help. We will use commercially reasonable efforts to promptly determine and remedy the problem.