Privacy & User Consent

Privacy Statement 
The International Association of Black Actuaries (“IABA,” “we,” “us,” “our”) is committed to protecting the privacy of its members and guests. This Privacy Policy (“Policy”) explains how IABA collects, uses, shares, and safeguards your information in connection with the services and membership benefits we offer through blackactuaries.org (“Site”). 

By accessing or otherwise using our Site, you accept the practices described in this Policy. If you do not agree with the practices detailed in this Policy, then you must discontinue using our Site. 

IABA reserves the right to amend this Policy at any time, for any reason. Any changes to this Policy will be reflected on this page. The date of the last revision to the Policy will be indicated by the “Effective Date” located at the bottom of this page. We encourage you to periodically check this page to learn about the information we collect, use, and share. Your continued use of our Site following the posting of changes to this Policy will constitute your acceptance of those changes. 

Information We Collect and How We Collect It
For purposes of this Policy, “Personal Information” means information that, alone or in combination with other information, could be used to identify you. 

Information You Provide to IABA.  While visiting our Site you have the opportunity to volunteer information about yourself when you sign up to be a member; create an account on our Site; create or update your member profile; register for meetings and events; pay membership dues; complete surveys; donate; sign up to volunteer; and post or apply to jobs through our Career Center. The information that you volunteer may include Personal Information, including but not limited to:

  • Contact information, such as name, address, email address, telephone number, fax number, employer/organization name, and job title;
  • Demographic information, such as your gender; race; ethnicity; country of birth; and citizenship status; 
  • Resume information, including work history, professional qualifications, educational background, degrees held, and exams passed;
  • Exam and survey result information; and
  • Payment and billing information. 

Information IABA Automatically Collects.  When you visit our Site, our web servers automatically create records of your visit. These records may include, but are not limited to, the following information: 

  • Originating Internet Protocol (IP) address; 
  • Internet domain name; 
    Information about your computer or mobile device (e.g. web browser type and version, operating system, screen resolution, connection speed); 
  • The time that you access our Site; 
  • The pages on our Site that you visit;
  • The internet address of the website that connected you to our Site; and 
  • The amount of data transmitted from our Site to your device. 

We use, and allow third parties to use, cookies (small data files stored on your web browser), and other similar technologies to store data regarding your use of the Site. This makes browsing our Site more efficient for you on subsequent visits. You can control the use of cookies through your web browser’s privacy settings. 

IABA uses Google Analytics to collect and analyze the information our Site automatically collects. Terms of Services for Google Analytics are available here: https://marketingplatform.google.com/about/analytics/terms/us/  

How We Use and Share Your Information
We use your information to provide services, improve our web content, and respond to visitor's interests and needs. Specifically, we may use your Personal Information for the following business purposes:

  • To process transactions, such as the payment of membership dues, donations, and event registration fees.
  • To communicate with you about meetings, conferences, and events hosted or sponsored by IABA. 
  • To send surveys, evaluations or research questionnaires related to our services, events and programs. 
    To provide customer support and to respond to your inquires.

The information that IABA collects from you is not sold to anyone. Except as provided below, IABA does not share your Personal Information with third parties without your consent:

  • We may disclose limited information about IABA members with other professional organizations, including but not limited to, the Society of Actuaries and/or the Casualty Actuarial Society to obtain information relating to exam passage, and designation(s) achieved. 
  • We may disclose your Personal Information when required by law. 
  • We may disclose your Personal Information if we believe disclosure is necessary to protect the rights, property or safety of IABA, our members or members of the public. 

How We Protect Your Information
We take the security and privacy of your information seriously. IABA uses industry-standard technological and organizational measures to protect your Personal Information and other data from unauthorized disclosure, alteration or destruction, both online and offline. However, please be aware that data security presents many risks, and no data transmission over the Internet can be guaranteed to be 100% secure. Understand that any information that you share with us through our Site is done at your own risk. If IABA learns of a data security breach, we will post a notice on this Site, and we will also send an email to you at the address you have provided to us. 

You also play a role in protecting your information. IABA relies on you to create a secure password, to protect your password, and to use appropriate security software on your device. 

Retention Period
Your Personal Information is stored by IABA on its servers located in the United States. IABA will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Policy unless a longer retention period is required or permitted by law. 

At your request, we will delete your account and membership profile with IABA. To make such a request, please contact us (see, “Contact Us” section below).

Personal Data of Children
Protecting the privacy of young children is of particular importance to IABA. For that reason, we do not knowingly collect Personal Information from anyone under the age of 13. 

If you are under the age of 13, please do not create an account or member profile on our Site, or otherwise provide IABA with your Personal Information. 

If we learn that we have inadvertently collected Personal Information from a child under the age of 13, we will delete that information as quickly as possible. If you believe that we may have any Personal Information from or about a child under the age of 13, please contact us (see, “Contact Us” section below). 

California Residents 
IABA does not sell, trade or otherwise transfer your Personal Information to outside third parties for direct marketing purposes. California Civil Code Section 1798.83 permits California residents to request, a list of the third parties, if any, to whom we have disclosed personal information for the third parties’ direct marketing purposes, as well as the type of personal information disclosed to those parties. To make such a request, please contact us (see, “Contact Us” section below).

Our Site does not support "Do Not Track" browser settings.

International Users and EU Compliance 
IABA is headquartered in West Hartford, Connecticut, and our Site is operated, in whole or in part, from the United States. The Personal Information that we collect from you will be processed in the United States. IABA relies on derogations under Article 49 of the EU General Data Protection Regulation for transferring and processing your information in the United States. Specifically, IABA collects and transfers to the U.S. Personal Information only with your consent, to perform a contract with you or to fulfill a compelling legitimate interest of IABA in a manner that does not outweigh your rights and freedoms. By providing information to IABA you are consenting to the transfer of that information to the United States and agree that the transfer is necessary for our relationship with you.  IABA endeavors to apply suitable safeguards to protect the privacy and security of your Personal Information and to use it only consistent with the practices described in this Policy. IABA also enters into data processing agreements with its vendors whenever feasible and appropriate.

IABA’s Intellectual Property
The entire content and design of the Site, including all trademarks, logos, trade names, documents, databases, graphic representations, and other information, are the property of IABA, or used by IABA with permission, and are protected under U.S. and international copyright and trademark laws, whether or not a notice of copyright, trademark, or other proprietary rights appears on the screen displaying the information. 

Disclaimer
IABA makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information posted on our Site. The information, opinions, and recommendations presented within our Site are for general information purposes only. Such information should not be considered professional advice and is not intended to replace consultation with a qualified professional. IABA makes no warranty that its Site, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. 

Links or pointers connecting the Site with other third party websites are provided as a courtesy only and do not imply, directly or indirectly, the endorsement, sponsorship, or approval by IABA of the linked site, the organization or individual operating the site, or any product, service or organization referenced in the site. IABA is not responsible for the privacy policies or practices of other websites that you visit through a link on our Site. 

Contact Us
If you have any questions about this Policy or the treatment of the information you provide us, please contact us at:

iaba@blackactuaries.org

Effective Date: February 20, 2020


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