Terms of Use

MyPath Privacy Policy

Your use of MyPath is covered by The Institutes' (the organization who operates this website) privacy policy, which is provided below.

The Institutes Privacy Policy

The American Institute For Chartered Property Casualty Underwriters 'The Institutes' is committed to protecting the privacy of our Web site users. In an effort to maintain efficient service while respecting the privacy of visitors to The Institutes's website, The Institutes has created and posted the following privacy policy.

Collection and Use of Information

We will collect personally identifiable information that you provide to us, including, but not limited to, your name, employer's name, address, telephone and fax numbers, and e-mail address. The Institutes may use and store such information in order to notify you of official Institutes business, provide a product or service you requested, evaluate your needs and interests, and alert you of news, activities, services or benefits related to or offered by The Institutes or its subsidiaries or affiliates. Personally identifiable information may be given to a third party in order to complete a specific business transaction on behalf of The Institutes. Contact information from inquiries received by The Institutes may be shared with The Institutes affiliates, subsidiaries or business partners to provide a service, satisfy a question, or develop a prospective business relationship. The Institutes will not rent, sell or share your personally identifying information to outside individuals or unrelated organizations.

The Institutes reserves the right to perform statistical analyses of user behavior and characteristics in order to measure interest in and use of the various areas of the site and to inform advertisers of such information as well as the number of users that have been exposed to or clicked on their advertising banners. The Institutes will provide only aggregated data from these analyses to third parties.

Special note to Designation Holders/CPCU Society Members

Not withstanding the foregoing, The Institutes will confirm whether or not an individual holds an Institutes' designation or certificate or is a CPCU Society member upon the request of a third party because, among other reasons:

  • It is in the public's interest to know whether someone holds a credential or designation
  • It assists in enforcing the CPCU Code of Professional Ethics
  • Lists of program completers are a matter of public record.
  • The public may determine that someone holds an Institutes designation or certificate by using the search program at our Web site.
  • CPCU Society members may log onto the CPCU website and perform a membership search.

Registration and Order Forms

To register for an exam, course, seminar or webinar; apply for a certification or designation; or attend events, meetings, or conferences; or to request products or materials you may be required to complete a registration or order form and provide personally identifiable information which we will use to process or evaluate your registration, application or order. The Institutes also may use such information in order to notify you of official Institutes business, evaluate your needs and interests, and alert you of news, activities, services or benefits related to or offered by The Institutes or its business partners, subsidiaries or affiliates. It may also share such information with its business partners, subsidiaries or affiliates. In addition, your name and contact information may appear on registration or attendee lists distributed at The Institutes events, meetings and conferences to other attendees and third parties.

Customers may contact The Institutes at any time to request that we maintain the confidentiality of their personally identifiable information. To request that The Institutes maintain the confidentiality of your personally identifiable information you may use the Account Manager or contact Customer Service at (800) 644-2101.

PLEASE READ the following information carefully before you make a confidentiality request so that you fully understand the impact of such request.

Upon receipt of a confidentiality request, The Institutes will NOT share any of your personally identifiable information with any third party (including, without limitation, your employer or governmental agency, unless required by law). Accordingly, a confidentiality request may have a significant impact on you as well as on your current or future employer. For example, if you request that your personally identifiable information be treated as confidential:

  • The Institutes will not confirm that you are enrolled in a course, registered to sit for any exam, or that you hold a designation or certification or any other information included in your personally identifiable information to any third party including your employer or governmental agency;
  • Payment and/or reimbursement for courses and exams may be complicated or refused by your employer; and
  • You may not receive important information about additional educational opportunities, classes or benefits available to you.

Data Security

Online registration and information such as credit card numbers will be secured using a commercially accepted method of encryption. However, while we employ reasonable security measures to protect against the loss, misuse and alteration of the information sent over our Web site, please be aware that no method of electronic transmission is completely infallible, and we cannot guarantee its absolute safety.

Cookies

The Institutes uses cookies to enhance your visit to our Web site. Cookies are pieces of stored information used to provide smoother navigation throughout the website, such as a saved password; to identify user trends, such as page views; and for other internal purposes, such as assessing the effectiveness of our website. You have the option of setting your computer to disable cookies or to alert you when cookies are being used. If you choose to disable cookies, please be aware that portions of The Institutes website may not function properly.

Links to other Web sites

The Institutes offers links to other Web sites. Once you leave http://www.theinstitutes.org and link to another Web site, you are subject to the privacy policy of that Web site. Please note that The Institutes is not responsible for the privacy policies of these other sites and hereby disclaims any liability or responsibility in connection with such linked sites.

Children's privacy

The Institutes does not market its products or services to children less than thirteen (13) years of age. We do not knowingly collect information from Web site users under 13 years of age.

Updating personal information

At any time you may contact The Institutes by contacting us via e-mail, phone or fax to review, correct, or update your personally identifiable information, and to opt-in to, or opt-out of any service. We will provide opt-in and opt-out opportunities as applicable to the service or product being offered.

Changes to privacy policy

The Institutes reserves the right to make changes to this privacy policy without advanced notice. The revised policy will be posted online and will be effective immediately.

Acceptance of our Privacy Policy Terms

Using The Institutes Web site indicates your acceptance of our privacy policy. Your continued visits to The Institutes Web site after changes are posted to this policy will signify your acceptance of those changes.

Privacy policy contact information

Please direct question pertaining to The Institutes privacy policy to:

The Institutes
720 Providence Road
Suite 100
Malvern, PA 19355-3433

Phone: (800) 644-2101 or (610) 644-2100 (Mon - Fri, 8:00 a.m. - 6:00 p.m. eastern time)
Fax: (610) 640-9576
E-mail: customerservice@TheInstitutes.org

The Privacy Notice posted on this site was updated on or about January 27, 2014.

The Institutes Web Site Rules of Use

In order to keep The Institutes Web site attractive and useful for all users, The Institutes requires that all users adhere to the following rules:

  1. Respect other visitors to this site. Feel free to express yourself, but do not do anything to injure or harm others. Users are expected to exercise both common sense and courtesy in the messages they transmit from this site. Defamatory, obscene, and other offensive communications are not acceptable forms of communication over this site and could lead to liability for those engaging in such improper communication.
  2. Do not use The Institutes Web site to conduct activities that may be illegal. The Institutes' Web site may not be used to encourage anything to do with illegal drugs, gambling, pornography, prostitution, child pornography, robbery, spreading computer viruses, cracking into private computer forums, software infringement, trafficking in credit card codes, or other crimes.
  3. Do not use The Institutes Web site to defame or disparage The Institutes, its affiliates or subsidiaries or any other persons.
  4. Do not use The Institutes Web site to communicate with competitors about prices or terms of service or otherwise communicate in a way that may provide the basis for an inference that users agreed to take any action relating to prices, services, production, allocation of markets or any other matter having a market effect. Be sensitive to other matters that may raise particular antitrust concern including codes of ethics, fees, billing practices, product standardization or certification.
  5. Do Not upload or distribute files subject to trademark, copyright, or other proprietary rights except with the express consent of the owner of the rights. Anyone who beleives that material posted on The Institutes Web site infringes on his or her (or their organization's) copyrighted work should refer to the Procedures for Requesting Removal of Infringing Material.
  6. Respect the security of this Web site. Do not attempt to gain access to areas private to The Institutes, its students, certificate holders, designees or customers.
  7. This site may not be used in a manner that violates The Institutes' bylaws or any of its other policies, procedures, rules or regulations.
  8. Information posted on this site will not be treated as confidential. In fact, since this site's communications may be downloaded without the knowledge of the sender(s), users should use care when posting or sending communications.
  9. The Institutes reserves the right to modify or change the rules as it determines from time-to-time in the best interests of The Institutes.
  10. The Institutes, of which MyPath is affiliated with, does not affirm or represent that any particular posting or opportunity for an internship, whether paid or unpaid, complies with The Fair Labor Standards Act and/or other applicable Federal and State Labor and Employment Laws.

The Web Site Rules of Use posted on this site were updated on or about January 27, 2014.

Legal Notices

Copyright

All materials and information posted on The Institutes Web site are the property of The Institutes, whether or not a copyright notice appears on the screen displaying the information. Users of The Institutes Web site may save and use information contained therein only for personal use. No other use, including reproduction, retransmission or editing, of the information and materials posted on The Institutes Web site may be made without the prior written permission of The Institutes, which may be requested by contacting The Institutes headquarters.

Trademark

The names, trademarks, service marks and logos of The Institutes, its affiliates and subsidiaries may not be used in any manner without The Institutes prior written consent.

Links to Third-Party Sites

Links or pointers on The Institutes Web site to other Internet sites are provided as a courtesy only, and the inclusion of any link does not imply endorsement by The Institutes of the site, the individual or organization sponsoring the site, or any product, service or organization referenced on the site. Linked sites (those sites with an address that does not contain 'http://www.theinstitutes.org') are not under the control of The Institutes and The Institutes is not responsible for the contents of any linked site or of any link contained within a linked site, or for any changes or updates to such sites.

Limitation of Liability

In no event shall The Institutes or any of its affiliates or subsidiaries, or the officers, directors, employees, members, or agents of each of them, be liable for any damages of any kind, including without limitation any special, incidental, indirect, or consequential damages, whether or not advised of the possibility of such damages, and on any theory of liability whatsoever, arising out of or in connection with the use or performance of the The Institutes Web site, on-line communities or listservs.

Disclaimers

The Institutes is providing information and services on this Web site as a benefit and service in furtherance of The Institutes non-profit and tax-exempt status. The Institutes makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information posted on the Web site, and The Institutes assumes no responsibility or liability regarding the use or misuse of such information. The Institutes makes no representations about the suitability of this information and these services for any purpose. Unless specifically stated otherwise, The Institutes does not endorse, approve, recommend, or certify any information, product, process, service or organization presented or mentioned on The Institutes Web site, and information from the Web site should not be referenced in any way to imply such approval or endorsement. The Institutes expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, reliance on, or inability to use, The Institutes Web site or the information presented on the site.

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Procedures for Requesting the Removal of Infringing Material

The owner of a copyrighted work (or the agent for the owner) who believes that material posted on this Web site infringes on the copyrighted work may request that the allegedly infringing material be removed from the site by notifying The Institutes designated agent for such purposes. The notice of alleged copyright infringement must:

  1. identify in sufficient detail the copyrighted work claimed to have been infringed;
  2. provide the electronic or physical signature of the copyright owner or a person authorized to act on the owner's behalf;
  3. include a statement by the copyright owner or authorized agent that he or she has a good faith belief that the disputed use is unauthorized;
  4. include a statement that the information contained in the request is accurate and an attestation, under penalty of perjury, that the requesting party is the copyright owner or authorized agent; and
  5. include the copyright owner or authorized agent's name, mailing address, telephone number and email address.

A notice of alleged copyright infringement may be submitted to The Institutes designated copyright agent by mail or email as set forth below:

Jennifer Polachek
The Institutes
720 Providence Road
Suite 100
Malvern, PA 19355-3433
E-mail: jpolachek@cpcusociety.org

Please note that anyone who submits a false notice and materially misrepresents that content on the site is infringing may be liable for damages, including court costs and attorneys' fees. Upon receiving a proper notice, The Institutes will remove or disable access to the allegedly infringing material and promptly notify the alleged infringer of the owner's claim. The Institutes also will advise the alleged infringer of the statutory counter-notification procedure described below by which the alleged infringer may respond to the claim and request that his or her material be restored.

Anyone who believes his or her own copyrighted material has been removed by The Institutes from the site as a result of mistake or misidentification may submit a written counter-notice to The Institutes designated copyright agent. To be effective, a counter-notice must:

  1. identify the material that has been removed or disabled and the location at which the material appeared before it was removed or disabled;
  2. include a statement consenting to the jurisdiction of the Federal District Court in which the submitting party's address is located, or if the address is outside the United States, for any judicial district in which the service provider may be found;
  3. include a statement that the submitting party will accept service of process from the party that filed the notice of alleged copyright infringement or the party's agent;
  4. provide the submitting party's name, address and telephone number;
  5. include a statement under penalty of perjury that the submitting party has a good faith belief that the material in question was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled; and
  6. include the submitting party's physical or electronic signature.

A counter-notice may be submitted to The Institutes designated copyright agent by mail or email as set forth below:

Jennifer Polachek
The Institutes
720 Providence Road
Suite 100
Malvern, PA 19355-3433
E-mail: jpolachek@cpcusociety.org