Thank you for your interest in ProBanker’s interactive educational experience.

1. PURPOSE

   ProBanker is committed to ensuring the privacy and accuracy of your confidential information. This Privacy Policy describes what data we collect, why we collect it, and what we do with it.

   Except for payment information (such as credit card details), which we much pass along to a payment processor, ProBanker does not actively share personal information gathered from its Web servers.

   Although no computer system is one hundred percent secure, ProBanker maintains professional security measures, including secure sockets layer (SSL) encryption, to protect against the loss, misuse, or alteration of the information under our control. Nothing is foolproof, however, and ProBanker is not responsible for the privacy practices of any third parties, including our payment processors, computing consultants, and customer liaison agents.

2. INFORMATION WE COLLECT

   When you visit the ProBanker website, our Web servers generate temporary logs that may contain, but is not limited to, the following information:

   • Internet address (IP address) of the computer in use
   • Web pages requested
   • Referring Web page
   • Browser used
   • Date and time

   We use these logs to help us tune the Web site for efficiency. For example, we might collate the logs to determine which Web browsers and pages are most popular.

   Interacting with the simulations available from ProBanker requires you to register and establish a ProBanker user account. Your user account requires certain personal details, including, but not limited to:

   • Email address (which may also serve as a your username)
   • Password
   • First name
   • Last name
   • Language preferences

   In addition, you may optionally provide additional personal details as part of your user profile, including a nickname and profile image. You can update your personal details at any time by logging into your ProBanker account and navigating to the “User Profile” page.

   Many ProBanker users will pay for their user account with a bank credit or debit card. As part of the payment process, ProBanker must collect certain basic details including, but not necessarily limited to:

   • Credit card number
   • Cardholder name
   • Mailing address
   • Payment amount

   We pass these details along to our payment processor, which then communicates with the relevant financial institutions to complete the payment. Unless we are investigating or debugging a particular issue related to payment processing, ProBanker ordinarily does not log or record any payment details on its own servers.

   When you log into your ProBanker user account, communications between ProBanker’s servers and your computer are encrypted using the Secure Sockets Layer (SSL) protocol to ensure security of the information in transit. Information stored on ProBanker’s servers is not necessarily encrypted.

   1. Cookies

      Cookies are small pieces of data stored by the Web browser. Cookies are often used to remember information about preferences and pages you have visited. We use cookies to manage the sessions during which you log into your ProBanker user account and interact with the application in various ways. These cookies identify some basic facts about your session, and may be safely deleted after you terminate the session by logging out of your ProBanker user account.

   2. Sharing of Information

      Information on ProBanker servers, including user profile details, may be available to computing consultants (systems administrators and software developers) and customer liaison agents who are under contract to ProBanker and who need to know the current state of the application. To provide a reliable service, ProBanker regularly backs up its databases and log files to offsite storage maintained by a U.S.-based third party under contract to ProBanker.

      ProBanker does not otherwise share personal information with external third parties, except when we have a good-faith belief that access or disclosure is reasonably necessary to:

      • meet any applicable law, regulation, legal process or enforceable governmental request,
      • detect, prevent, or otherwise address fraud, security or technical issues,
      • contact you, typically (but not necessarily) by email,
      • share your personally identifiable information within ProBanker, with your course administrator (“Professor”), and with our marketing partners, for the purposes of furthering our business and services, including but not limited to analyzing your information and improving the ProBanker application, or
      • otherwise protect against harm to the rights, property or safety of ProBanker, our users or the public as required or permitted by law.

      The ProBanker application and website may contain links to other websites. We are not responsible for and shall not have any liability arising from the privacy practices or the content of other websites.

3. INFORMATION MANAGEMENT

   We may store information collected, including without limitation your personally identifiable information, indefinitely. The data we collect from you may be transferred to, stored and processed at one or more destinations whether inside or outside the European Economic Area (“EEA”), including, without limitation, the United States of America or the People’s Republic of China for any purposes set out in this privacy policy. The data we collect also may be processed by staff and/or contractors located whether inside or outside the EEA who work for us or for our suppliers. Such staff and/or contractors may be engaged in, among other things, the fulfillment of your order, the processing of your payment details, and the provision of support services. By submitting your personal data, you agree to this transfer, storing, or processing. We will take steps reasonably necessary to ensure your data is treated securely and in accordance with this privacy policy. Where we have given you (or where you have chosen) a password that enables you to access the ProBanker application, you are solely responsible for keeping this password confidential. We ask that you not share a password with anyone.

   You have the right to review the information that we hold about you. In addition, you may change the information provided to us.

4. NOTIFICATION OF CHANGES

   By using ProBanker, you acknowledge and consent to our privacy policy. However, we reserve the right to change or modify the practices for information collection, use and disclosure as set forth in this privacy policy. If we change this privacy policy, we will post those changes on the ProBanker website at http://www.probanker.com/policies/en/PB privacy.htm. If at any point we decide to use or disclose your personally identifiable information in a manner different from that stated at the time it was collected, we will notify you in writing, which may or may not be by e-mail. If you object to the change to our privacy policy, then you must contact us using the information provided in the notice. We will otherwise use and disclose a user’s or a customer’s personally identifiable information in accordance with the privacy policy that was in effect when such information was collected.

5. QUESTIONS

   If you have questions about this privacy statement or you believe that your personal information has been released without your consent send email to privacy@probanker.com.