RegEd is committed to maintaining the privacy of information and data. This Privacy Policy describes how that information and data, including personally identifiable information (“Personal Information”) and information provided by your device (“Device Information”) that either you provide, or we receive about you is treated when you use any of our websites, applications, services or attend any of our events (collectively, the “Services”).

Collection of Your Information

Using the RegEd Services

When you access any of the RegEd Services using the internet, the Services automatically collect Device Information and other information about how you and your device interact with the Services, including:

  • Computer, device and connection information, such as IP address, browser type and version, operating system and other software installed on your device, mobile platform and unique device identifier and other technical identifiers, error reports and performance data; and/or
  • Usage data, such as the features you used, the settings you selected, URL click stream data, including date and time stamp, and referring and exit pages, and pages you visited or searched for on the Service.

We collect this data through our servers, application log files, and the use of cookies and other technologies. You can control cookies through your browser’s settings and other tools. However, if you block certain cookies, you may not be able to register, login, or access certain parts or make full use of the Services. For more details, visit the Cookies Section of this Privacy Policy.

When you log into an Application, or you access a RegEd website either directly or through a link provided to you from another website, or register for a RegEd event (webinar, conference), depending upon the transaction in which you engage, you may be requested to provide us with your personal information, such as your name, social security number, CRD number, license number, mailing address, email address and, in some cases, your credit card information, employment information and other information about your background or history, or where applicable, your IP address).   You may also send us your Personal Information in an email, by mail or facsimile transmission, or provide it during a telephone conversation.  If you visit our offices, you may be required to register as a visitor and to provide your name, email address, phone number, company name and time and date of arrival.

Receipt of Personal Information from RegEd Clients

If you are employed by or associated with an organization that uses one or more of our Services (each, a “Client” and collectively, our “Clients”), our Clients may provide us with your Personal Information, or we may obtain and/or share your Personal Information from a regulator or other third party from which the Client has requested us to obtain your Personal Information.  Such third parties may include social media networks, partners with which we offer co-branded services or whose services we resell, or parties with whom we engage in joint marketing activities.

Personal Information from Third Party Services 

We also may collect data or information about you from the following:

  • Our service providers that help us determine a location based on your IP address;
  • Partners with which we engage for co-branded services, for whom we re-sell services, in joint marketing agreements or in event sponsorship and hosting;
  • Social networks when you or your employer grants us permission to access your data on one or more networks; and/or
  • Publicly-available sources and data suppliers from which we obtain data to process or supplement the information we hold.

Cookies

When you visit our websites or use our Services, we or an authorized third party may place a cookie on your browser, which cookie collects information, including Personal Information, about your online activities over time and across different sites. Cookies allow us to track overall usage, determine your browsing preferences and improve and customize your browsing experience.

We use both session-based and persistent cookies. Session-based cookies exist only during one session and disappear from your computer when you close your browser or turn off your computer. Persistent cookies remain on your computer or device after you close your browser or turn off your computer. You can control the use of cookies at the individual browser level, but choosing to disable cookies may limit your use of certain features or functions on our websites and services.

We also use web beacons on our websites and in email communications. For example, we may place web beacons in marketing emails that notify us when you click on a link in the email that directs you to one of our websites. Such technologies are used to operate and improve our websites and email communications.

Below are the different types of cookies that may be used in the Services. To the extent any Personal Information is collected through cookies, the RegEd Privacy Notice [insert URL] governs and compliments this Cookies Policy.

Strictly Necessary Cookies.  These cookies enable you to navigate the Sites and to use their services and features. These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as logging in or filling in forms.  Without these cookies, Services you have asked for, like providing you with an online exam, cannot be provided. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Cookie Name Description of Purpose Expiration 1st / 3rdParty
JSESSIONID… Trax Application session identifier Session 1st Party
…masterSessionId Trax Session identifier Session 1st Party
…loginRepId Trax Session identifier Session 1st Party
AuthenticationCookie

 

Tracks authentication token for CODE

 

Session

 

1st Party

 

cklDNAME Xchange persistent cookie: stores User ID if user chooses to save Persistent 1st Party
ASP.NET_SessionId

 

Xchange session cookie for Classic ASP Session 1st Party
ASPSESSIONIDQCAQRTSQ Xchange session cookie for 3.5/MVC application

 

Session 1st Party
BIGipServerxchange Xchange F5 Session Tracking Session 3rd Party
exchangecookie Xchange classic ASP session cookie Session 1st Party
CE (KLZIBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXGNKLXAIQIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJ) Xchange CE session cookie Session 1st Party
ekit (KLZIBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXGVKRKAXRKCUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJ) Xchange ekit session cookie Session 1st Party
SECURITIES (IMLKMNKVKBVKXKJKDGKLKHYIBIIKTXHNKLYICVKYKAXRKPZXNKCUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJKLZIBV) Xchange profile session cookie Session 1st Party
update (ZIBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXHVKWZGF0ZVKWIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJKL) Xchange Update area session cookie Session 1st Party
ff (KLZIBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXGZKMXAIQIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJ) Xchange FF area session cookie Session 1st Party
break (IBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXGJKYZWFKRXAIQIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJKLZ) Xchange break area session cookie Session 1st Party
sri2 (KLZIBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXHNKYKATJKCUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJ) Xchange SRI2 area session cookie Session 1st Party
pinit & XDB(BVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXHBKPKBKMKL0XAIQIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJKLZI) Xchange PINIT & XDB area session cookie Session 1st Party
OT (KLZIBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXGII0XAIQIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJ) Xchange OT area v Session 1st Party
PDB (LZIBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXHBIMYKLKWIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJK) Xchange PDB area session cookie Session 1st Party
Email maintenance (KJKDGKLKHYIBIIKTXGVKTYWKLKSKDGVIDKDGIAKHKAWIE0ZWIEKHKBKMNKLXAIQIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJKLZIBVIMLKMNKVKBVKX) Xchange Email Maintenance area session cookie Session 1st Party
Forms repository (BVKXKJKDGKLKHYIBIIKTXGZKVKCKMIAKZKCKMVKWKBICNKPKDGIIKYKEVKWIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJKLZIBVIMLKMNKVK) Xchange forms repository area session cookie Session 1st Party
XDB (LZIBVIMLKMNKVKBVKXKJKDGKLKHYIBIIKTXHKHIMYKLKWIQUZDKPKCKAWIEKLKDHBIAYKLKXIDYIBKHKHKBKMKDKLLKNJK) Xchange XDB area session cookie Session 1st Party
EXT_CtisAuthToken Xchange CTIACOMNew area session authentication token Session 1st Party
PHPSESSI Arkovi PHP Session Cookie Session 1st Party

 

Performance Cookies.   These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our Services. They help us to know which pages are popular and see how visitors move around our websites. If you do not allow these cookies, we will be less able to optimize the Services’ performance. All information these cookies collect is aggregated and anonymous.

Cookie Name  Description of Purpose Expiration 1st / 3rd Party
Google Universal Analytics

 

 

 

Microsoft Application Insights

These cookies are set by Google Universal Analytics. They are used to calculate visitor, session and campaign data for the RegEd websites’ analytics reports.

 

These cookies are set by Microsoft Application Insights. They are used to calculate visitor, session and campaign data for the RegEd websites’ analytics reports and for performance analytic support

<1 hour – 2 years

 

 

 

3rd Party

 

 

 

Functional Cookies.  These cookies enable the Services to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies some services may not function properly. These cookies do not directly store personal information, but are based on uniquely identifying your browser and internet device.

Cookie Name  Description of Purpose Expiration 1st / 3rd Party
Marketo Munchkin (_mkto_trk) This cookie is set by Marketo. This allows our website to track visitor behavior on the website and to link a visitor to the recipient of an email marketing campaign, to measure campaign effectiveness. Tracking is performed anonymously until a user identifies himself or herself by submitting a form. 2 years 3rd Party

 

 

How do we use and/or share your Personal Information with third parties?
RegEd uses your Personal Information as described in this Privacy Policy. Other than as set forth in this Privacy Policy, RegEd will not share Personal Information with any third parties without your permission.

Your Personal Information may be used and shared in the following ways:

  • For the specific purpose for which your Personal Information is provided to us by you or by our Clients, such as
    • to provide you with information or notifications related to our Services or events,
    • to submit forms about you to insurance carriers to enable you to do business for them,
    • to obtain background investigation results for purposes of obtaining licensing or appointments for you,
    • to enable you to use services provided by our partners or third parties with whom our applications exchange information on your behalf, or
    • to obtain information from or make certifications or other filings on your behalf with state insurance regulatory agencies or their designees, the National Insurance Producer Registry Gateway, FINRA, and similar entities (collectively, “Regulators”).  In addition, we provide your Personal Information to Regulators as necessary to test or monitor our transactions with them.
    • Your Personal Information may also be accessed by any person or company authorized by any of the foregoing entities to access your Personal Information.
  • If you are employed by or associated with one or more of our Clients, if you have attended a continuing education course provided by one of our Clients, or you have completed an online course offered by one of our Clients, or you have redeemed a coupon or voucher you have received from one of our Clients, to allow such Client(s) to view and administer your Personal Information, the status of its requests of us or the status or your use of our Services. Your Personal Information may also be accessed by any person or company authorized by such Client(s) to access your Personal Information.
  • To provide you with information via email, mail or telephone regarding your transactions with us, your usage of our Applications, Products and Services or transactions with the third parties noted above on your behalf, or to contact you with information that may be of use or interest to you.
  • To provide you with access to third party applications, if you access a third-party application through our Services via Client’s license agreement with the licensor of that application, your Personal Information may be shared with its licensor so that it can provide you access to the application, subject to the terms of its license agreement and its privacy policy.
  • To provide or enhance our Services or to develop new ones. We may also use unaffiliated companies to perform services on our behalf, such as printing and shipping, managed hosting services, email services, software testing and development, processing services, customer relationship management services and other services to facilitate our business and the provision of Services to you. These other companies may be supplied with or have access to your Personal Information solely for the purpose of providing these services to us or on our behalf, and directly or indirectly, to you.
  • RegEd may also disclose Personal Information to other third parties if we, in our sole discretion, believe it is required by law, to comply with legal process served on RegEd, requested by Regulators, to enforce our agreements with our Clients, to detect, investigate and help prevent security breaches, fraud or technical issues, enforce this Privacy Policy, or in connection with a sale or transfer of some or all of RegEd’s assets or other transaction with similar effect.

Security of your Personal Information

RegEd employs a variety of security technologies, policies and procedures that are reasonably designed to protect your Personal Information from unauthorized access, use or disclosure. RegEd has implemented commercially reasonable security technologies on the network, server, and application level.  RegEd utilizes secure (“SSL”) connections and commercially reasonable encryption policies designed to protect against the loss, misuse and alteration of your Personal Information during transmission. We cannot, however, control the manner in which your Personal Information is transmitted to us, either by you, a third party acting on your behalf or by one of our Clients, or the manner in which a Regulator may require disclosure of your Personal Information to them.

Data Retention

We retain your personal information for as long as necessary to provide the Service and fulfill the transactions you have requested, and for other essential purposes such as complying with our legal or regulatory obligations, maintaining business and financial records, resolving disputes, maintaining security, detecting and preventing fraud and abuse, and enforcing our agreements.

Children’s Privacy

We do not knowingly collect information from children under the age of 13 or target any of our Services to children under 13.

Locations of Processing

Your personal information will be stored and processed in the United States.

Grounds for Processing

When we collect directly from you any Personal Information that is subject to the European data protection laws, we do so (a) with your consent; (b) where necessary to provide the Service, fulfill a transaction or otherwise perform a contract with you or at your request prior to entering into a contract; (c) where necessary for our compliance with a legal obligation; (d) where necessary for the performance of a task carried out in the public interest; and/or (e) as necessary to fulfill our legitimate interests as described below, except where our interests are overridden by your privacy rights.  Where we rely on your consent to process personal information, you have the right to withdraw your consent at any time, and where we rely on legitimate interests, you have the right to object.

Our legitimate interests are: to deliver our Applications and Services to our Clients and their end users; to detect or prevent fraud; to protect the security of our systems, and the data of our Clients and end users; to further develop our Applications and Services; to conduct marketing; to operate our business (by processing payments/invoices, perform sales activities and vendor management, manage our Clients’ and their end users’ accounts); to enable our Clients to comply with their legal obligations; or fulfil our other legitimate interests as described above.

Your Rights Regarding Your Personal Information

You have certain rights relating to your Personal Information, subject to local data protection laws. Depending on the applicable laws and, in particular, if you are located in the EEA, these rights may include:

  • To access your Personal Information that we hold;
  • To rectify inaccurate Personal Information and, taking into account the purpose of processing the Personal Data, ensure it is complete;
  • To erase/delete your Personal Information, to the extent permitted by applicable law;
  • To restrict our processing of your Personal Data, to the extent permitted by applicable law;
  • To transfer your Personal Data to another controller, to the extent possible;
  • To object to any processing of your Personal Data carried out on the basis of our legitimate interests;
  • Not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects. Automated Decision-Making currently does not occur in our Services; and
  • To the extent we base the collection, processing and sharing of your Personal Infomration on your consent, to withdraw your consent at any time, without affecting the lawfulness of the processing based on such consent before its withdrawal.

If you are a resident of California, under the age of 18 and have registered for an account with us, you may ask us to remove content or information that you have posted to our websites. Please note that your request does not ensure complete or comprehensive removal of the content or information, because, for example, some of your content may have been reposted by another visitor to our websites.

Please contact us at the address set forth below if you wish to exercise any of the foregoing rights. We will respond to your request consistent with applicable law, and may require verification of your identity to protect your privacy and the security of your data.  However, we primarily process Personal Information in the role of a processor. If your data has been submitted to us by a Client and you wish to exercise any rights you may have under applicable data protection laws, please inquire with the applicable Client directly. Because we may only modify a Client’s data upon instruction from that Client, if you wish to make your request directly to us, please provide to us the name of the Client who submitted your data to us. We will refer your request to that Client, and will support them as needed in responding to your request within a reasonable timeframe.

Reviewing and Updating Your Personal Information

If you are an end user (e.g., employee, administrator, registered representative associated with or an independent agent) of one of our Clients,  please contact the applicable Client’s compliance, licensing or registration department for the purpose of accessing and correcting data about you. If you have used our Applications by logging in directly, you may access and correct your data by logging into the Application and following directions for updating and/or correcting your information or by contacting us via email at info@RegEd.com, or as set forth below.  Any revisions you provide to your Personal Information will be applied in our own records but may not be updated in the records of the third parties to which we have provided your data at your request, and, if you are and end user that is employed by, associated with or an independent contractor of one of our Clients, may be overwritten by data that is provided by such Client to us. If you would like to review and correct the Personal Information that has been provided to these other entities, you will need to contact them directly.

Changes to the Privacy Policy

We will update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. If we make any material changes, we will provide notice through the Service or by other means.

Contact us

If you have any questions, comments or requests regarding this privacy policy or our processing of your information, please contact:

Privacy Officer

RegEd, Inc.

2100 Gateway Centre Blvd., Suite 200

Morrisville, NC 27560

 

We hope that we can resolve any query or concern you raise about our use of your information, and you may also raise any complaint with the applicable data protection regulator.

Scope of this Privacy Policy

This Privacy Policy pertains only to provision of your information to RegEd, and does not apply to the policies maintained by third parties to whom your information may be received and/or transmitted as described herein. If you have a question about a third party’s privacy policies, please contact that third party directly. The RegEd websites may also contain links to other web sites. This Privacy Policy covers only the RegEd Services and not any of these other sites. You may access the privacy policies that govern your use of these hyperlinked websites when you link to the other website.

Revised: March 29, 2019

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