Effective Date: March 25, 2016
Note about Children: Our services are not intended for, marketed to or available to individuals younger than the age of 13, and individuals younger than the age of 13 should not submit personal information to us.
The IQ Loft works with network advertisers, ad agencies, analytics service providers and other vendors to serve third party advertisements on and through the Services, to provide us with information regarding traffic on the Services, including the pages viewed and the actions users take when visiting the Services; to serve our advertisements on other web sites, within mobile Apps, and elsewhere online; and to provide us with information regarding the use of the Services and the effectiveness of our advertisements. For example, if you click on a The IQ Loft advertisement, our service provider(s) may be able to tell us the advertisement you clicked on and where you were viewing the advertisement. You may also see third party ads on the Services. The advertisements you see may be served by one or more third parties, who may use information about your activities on the Services, and other web sites and services, to provide you targeted advertising based upon your interests. We do not share Personal Information (information that identifies you as a specific individual, such as your name or e-mail address) with these third parties, but ad network providers, the advertisers, ad agencies, analytics service providers and other vendors may set and access their own tracking devices (including cookiesÂ and web beacons ) and they may otherwise collect or have access to information about you and your online browsing activities. Please review â€œTHIRD PARTY AD NETWORKS AND ANALYTICS PROVIDERSâ€ for additional information. Some of the companies who serve these targeted ads participate in a self-regulatory program that allows you to opt-out of having information about you used for this purpose, and you may access that opt-out by clicking here . Please note this does not opt you out of being served advertising. You will continue to receive generic ads while using the Services and elsewhere online.
The Services may collect â€œPersonal Informationâ€ (which is information that can be used to identify or contact a specific individual, such as your name and email address), account information (such as a password or other information that helps us confirm that it is you accessing your account) and demographic or other information (such as your school, gender, age or birthdate and zip code and information about your interests and preferences). We will also collect payment information (typically, credit card account information) if you choose to purchase products or services through the Services. Any information combined with Personal Information will be treated as Personal Information.
You may have the opportunity to create a profile, which consists of information about you, which may include Personal Information, photographs, information about your academic and work history, your interests and activities, your use of the Services and other information (â€œProfileâ€). Some of the information in your Profile may be visible to third parties or to everyone, depending on the nature of the information and the privacy settings you choose on the website or other Services where you created your Profile. The IQ Loft may also make the information contained in your Profile accessible through means other than The IQ Loft website (such as through an app or an application programming interface (API)). Your Profile may also be indexed by and displayed by internet search providers when someone searches for your name. The IQ Loft does not control how frequently third-party search engines update their indexes; consequently their information may be outdated and still available for a period of time even if you discontinue use of the service.
Note that in order to provide services and opportunities to you, educational organizations, scholarship providers and other third parties may be able to review certain information in your Profile , whether or not you have limited public access to that information . You may have the opportunity to control whether this information is shared, but some information may be shared automatically â€” all as disclosed on the website or other Services where you created your Profile. The IQ Loft does not share your contact information (email, full postal address or phone number) with those third parties unless you request or agree to that sharing. However, The IQ Loft may send you information and offers from third parties and information about the Services, and you may not be able to opt-out from these messages without closing your account.
The Services may provide you the opportunity to participate and post content publicly in forums, through interactive features and through other communication functionality (â€œCommunity Forumsâ€). You may choose, through such features or otherwise, to submit or post reviews, problems, suggestions, ideas, solutions, questions, answers, comments, testimonials, feedback, messages, images, videos, text or other material (â€œUser Contentâ€œ). Your User Content may also be posted in your Profile. You may edit or remove information on your profile.
In addition, the Services may allow members to communicate and collaborate with each other. If you create an account, participate in a Community Forum or choose to communicate with others through the Services, certain information about you may be disclosed in connection with your or others use of the Services, including certain information about you and your network (such as your name and profile photo, the number of your connections, and the names and pictures of your connections). We allow other users to use contact information they have about you, such as your email address, to find you, including through contact importers and search, and they may also contact you through the Services.
Third parties may provide us with information about you. For example, if you are on a third party web site, and you opt-in to receive information from us, that third party will forward information about you to us so that we may contact you as requested.
You may also choose to participate in a third party application or feature through our Services (such as logging in through Facebook Connect or otherwise linking the Services with another web site or interactive service) or on a third party web site or service (such as one of our Facebook applications or a similar application or feature on a third party web site or service) through which you allow us to collect (or the third party to share) information about you, including personal information. Information about you, including your name and profile photo, may be shown to other users of the Services if you are logged in through the Services or through a third party web site or service. The third party may allow you to remove the application or feature, in which case we will no longer collect information about you through the application or feature, but we may retain the information previously collected. When you choose to participate, you may be opting to link your activity on our Services with that third party web site or service, which may then collect information about your visits to our Services and may publish that activity as you request to your profile or similar feature with that third party (such as if you choose to share a purchase you made on theiqloft.com with your connections on the third party website). In addition, we may receive information about you if other users of a third party web site give us access to their profiles and you are one of their â€œconnectionsâ€ or information about you is otherwise accessible through your â€œconnectionsâ€ web page, profile page, or similar page on a social networking or other third party web site or interactive service.
Like other websites and online services, we and our analytics providers and other third party service providers may automatically collect certain â€œUsage Informationâ€ whenever you access and use the Services, including, without limitation, asking or answering questions, viewing another userâ€™s profile, sending a message, searching for a person or information, or by clicking on an advertisement.
Usage Information may include the browser and operating system you are using, the URL or advertisement that referred you to our Services (if applicable), the search terms you entered into a search engine that lead you to our Services (if applicable), all of the areas within our Services that you visit (including information about any ads you may view), and the time of day you used the Services, among other information. We may use Usage Information for a variety of purposes, including to tell you about people or events nearby, to provide special offers, to serve advertisements, to select appropriate content to display to you, and to enhance or otherwise improve the Services and our products.
In addition, we automatically collect your IP address or other unique identifier (â€œDevice Identifierâ€) for any computer, mobile phone or other device (any, a â€œDeviceâ€) you may use to access the Services. A Device Identifier is a number that is automatically assigned to your Device used to access a Service, and our servers identify your Device by its Device Identifier. Some mobile service providers may also provide us or our third party service providers with information regarding the physical location of the Device used to access a Service. Usage Information is generally non-identifying, but if we associate it with you as a specific and identifiable person, we treat it as Personal Information.
Usage Information is collected via tracking technologies, including:
One type of cookie we use, known as a â€œpersistentâ€ cookie, is set once youâ€™ve logged in to your account on the Services. If you do not log out of your account, then the next time you visit, the persistent cookie will allow us to recognize you as an existing user so you will not need to log in before using the Services. Of course, if you are using a public computer or sharing your private computer with others, you should log out of your account after each visit. If you log out of a Service, you will need to re-enter your password the next time you visit in order to log in to your account. We also use a cookie which functions as a â€œsessionâ€ cookie, meaning that it is used to identify a particular visit. Session cookies expire after a short time or when you close your web browser.
Web Beacons: We, as well as our affiliate program partners, service providers, and other third parties, may employ a software technology called clear gifs (a.k.a. web beacons/web bugs), that help us better manage content on our Services by informing us of what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users for our affiliate program. In contrast to cookies, which are stored on a userâ€™s computer hard drive, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. This information is used to help improve the overall quality and experience of our Services.
An Embedded Script is programming code that is designed to collect information about your interactions with the Services, such as the links you click on. The code is temporarily downloaded onto your computer or other device from our server or a third party service provider and is deactivated or deleted when you disconnect from the Services.
In addition, we may use a variety of other technologies that collect similar information for security and fraud detection purposes.
HOW WE USE YOUR INFORMATION
Note that we may create, facilitate or display social advertisements, whereby your name and profile photo may be used to advertise products and services to your network based on your use of the Services and your interactions with The IQ Loft and third parties through the Services. If we are utilizing Social Ads on one of our Services, you will be able to opt-out through your account settings for that Service.
Please note that information submitted on the Services via a â€œContact Usâ€ or other similar function may not receive a response. We will not use the information provided via these functions to contact you for marketing purposes unrelated to your request unless you agree otherwise.
THIRD PARTY AD NETWORKS AND ANALYTICS PROVIDERS
The IQ Loft works with network advertisers, ad agencies , analytics service providers and other vendors to serve third party advertisements on and through the Services, to provide us with information regarding traffic on the Services, including the pages viewed and the actions users take when visiting the Services; to serve our advertisements on other web sites, within mobile Apps, and elsewhere online; and to provide us with information regarding the use of the Services and the effectiveness of our advertisements. For example, if you click on a The IQ Loft advertisement, our service provider(s) may be able to tell us the advertisement you clicked on and where you were viewing the advertisement; likewise, if you click on an ad you see on our Services, our service provider(s) may be able to tell which page you were visiting on our Services and pass that information to the advertiser. The advertisements you see may be served by one or more third parties, who may use information about your activities on the Services, and other web sites and services, to provide you targeted advertising based upon your interests.
Some of the companies who serve these targeted ads participate in a self-regulatory program that allows you to opt-out of having information about you used for this purpose, and you may access that opt-out by clicking here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads while using the Services and elsewhere online.
We may share Usage Information about visitors with third party advertising companies, analytics providers and other vendors. We do not share Personal Information (information that identifies you as a specific individual, such as your name or e-mail address) with these third parties, but ad network providers, the advertisers, ad agencies, analytics service providers and other vendors may set and access their own tracking devices (including cookies and web beacons) and they may otherwise collect or have access to information about you (such as your general interest in higher education and scholarships) and your online browsing activities.
If you use the Services through a mobile device or our mobile application, your mobile device ID, your mobile carrier, and your physical (GPS) location may be transmitted to The IQ Loft. You agree that The IQ Loft may store and use that information for security purposes (for example, for user verification and to ensure that The IQ Loftâ€™s APIs are being used appropriately) and, if available, for purposes of assisting you in locating nearby businesses, service providers or other places of interest. If you wish to no longer allow The IQ Loft to track your physical locations you may turn this off within your device settings. When you place an order through the Services, you may be able to opt-in to receiving text messaging reminders from The IQ Loft. If you choose to do so, you must provide to The IQ Loft your telephone number, which The IQ Loft will store and use to send reminders to you. You may always opt-out by replying â€œSTOPâ€ to one of the text messages received. You also acknowledge and agree that use of the Services through a mobile device may cause data to be displayed on and through your mobile device which may be viewed by your mobile carrier or other access provider.
UPDATING YOUR ACCOUNT INFORMATION AND CONTROL OVER YOUR PROFILE
You may be able to review the information you provided to us on a Service and make any desired changes to the information, or to the settings for your account on that Service, by logging in to your account for that Service and editing or deleting the information. You also may be able to limit the information you receive from us by adjusting your settings. However, we reserve the right to send you information on our behalf and on behalf of third parties in connection with providing the Services. If you no longer want to receive information from us, you will need to close your account for that Service.
CLOSING YOUR ACCOUNT
If you wish to close your account with one of our Services, please send your request to email@example.com and we will remove your Personal Information and Profile, if applicable, from the active databases for the Service(s) you request. Please let us know which Service(s) you wish to close and send your request using an email account that you have registered with The IQ Loft under your name. You typically will receive a response to a request sent to firstname.lastname@example.org within five business days of our receiving it.
THIRD PARTY CONTENT, LINKS TO OTHER SITES, AND The IQ Loft CONTENT FOUND OUTSIDE OF THE SERVICES
Certain content provided through the Services may be hosted and served by third parties, which may include third party widgets (such as those that allow you to â€œlikeâ€ or â€œshareâ€ content with third party web sites and online services. In addition, the Services may link to third party web sites or content over which The IQ Loft has no control and which are governed by the privacy policies and business practices of those third parties. In addition, third-party partners of The IQ Loft from whom your order through the Services may have different privacy policies which apply to such partnerâ€™s use of your information.
Please also note that The IQ Loft content and widgets may be included on web pages and web sites that are not associated with us and over which we have no control. These third parties may independently collect data. The IQ Loft is not responsible for the privacy practices or business practices of any third party.
The IQ Loft takes commercially reasonable security measures to protect the personal information submitted to us, both during transmission and once we receive it. For example, when you enter sensitive information such as a credit card number and CCV2 number on our checkout forms, that information is encrypted using secure socket layer (SSL) technology, to help protect the communications between you and our payment partners.
However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, as in any real-life scenario, we cannot guarantee its absolute security. If you have any questions about security on our Services, you can email us at email@example.com.
CONSENT TO TRANSFER
The Services are operated in the United States. If you are located outside of the United States, please be aware that information we collect will be transferred to and processed in the United States. By using the Services, or providing us with any information, you fully understand and unambiguously consent to this transfer, processing and storage of your information in the United States, a jurisdiction in which the privacy laws may not be as comprehensive as those in the country where you reside and/or are a citizen.
QUESTIONS OR COMMENTS
California Residents â€“ Your CA Privacy Rights
If you are a California resident and you have questions about our practices with respect to sharing information with third parties for their direct marketing purposes and your ability to exercise choice, please send your request to the following email address: firstname.lastname@example.org or write to us at the following mailing address: [501 W. Fontenay Way, Palatine, IL 60067]. You must put the statement â€œYour California Privacy Rightsâ€ in the subject field of your e-mail or include it in your writing if you choose to write to us at the designated mailing address. You must include your name, street address, city, state, and zip code. We are not responsible for notices that are not labeled or sent properly, or do not have complete information.