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Privacy Policy

Effective Date and Last Updated: December 31, 2024

This Privacy Policy describes the categories of information that International Risk Management Institute, Inc. and its subsidiaries and affiliates (collectively, "IRMI," "we," "us," or "our") collect from visitors to and users of the www.IRMI.com and www.Captive.com websites (each, a "Site"). This Privacy Policy also explains how IRMI can use, disclose, and protects such information, as well as your choices regarding it. The information we collect and the purposes for which we use or disclose it will depend to some extent on how you use a Site and how you interact with us. Throughout this Privacy Policy, "information" includes personal information about you.

PLEASE READ THIS PRIVACY POLICY AND THE TERMS OF USE (THE "TERMS") CAREFULLY. IF YOU DO NOT AGREE WITH THE PROVISIONS OF THIS PRIVACY POLICY OR THE TERMS, DO NOT USE OR VISIT A SITE. BY USING OR VISITING A SITE, YOU AGREE TO THE PROVISIONS OF THIS PRIVACY POLICY AND THE TERMS.

This Privacy Policy is organized as follows.

  1. What Information Do We Collect and How Do We Collect It?
  2. Cookies and Other Technologies; Do Not Track
  3. How We Can Use the Information We Collect
  4. To Whom Do We Disclose Your Information?
  5. Links to Other Websites
  6. Children's Privacy
  7. How We Protect Your Information
  8. Storage
  9. Retention
  10. Choices Regarding Your Information
  11. How To Contact Us
  12. California Privacy Rights
  13. Texas Privacy Rights
  14. Changes to this Privacy Policy

1. What Information Do We Collect and How Do We Collect It?

We collect the following categories of information in the manner described below. We also can collect information about you through other individuals or our service providers, third parties, and/or other parties in the manner described below.

  1. We collect information from or about you when you visit or use a Site.

    Examples of ways in which you can visit or use a Site are

    • to create, use, or make changes (for example, corrections, updates, or deletions) to your registered account with us (for example, to provide identifiers, such as email address, account credentials (for example, password), or other similar identifiers, and any other information you voluntarily provide, such as content);
    • to provide identifiers, such as contact information (for example, your name, email address, telephone number, postal address, zip code, job title, and employer's name), and commercial information, including purchase and related transaction information, such as payment information (for example, payment card information), items purchased, and related information, with us and/or a service provider, third party, and/or other party through a Site, and information provided to us and/or a service provider, third party, and/or other party in connection with products and services (for example, for registration for, admission to, and/or attendance at courses, conferences, or webinars);
    • to provide information to us and/or a service provider, third party, and/or other party in connection with products and services (for example, for registration for, admission to, and/or attendance at courses, conferences, or webinars), such as audio, electronic, and visual information, or similar information, including photographs (including your image and/or likeness and/or your voice), and demographic information (for example, gender or zip code and other information about you); and
    • information you disclose during communications and interactions with us, which may include when you contact or otherwise interact with us or a service provider, and/or other party (for example, your search queries on a Site, asking questions or requesting information and materials, providing comments or suggestions, participating in surveys and evaluations, using interactive tools or features, signing up for email newsletters, and reporting an issue with a Site). If you voluntarily provide user-generated content, then such user-generated content may be publicly available for others to view.
  2. We can receive information about you through other individuals or our service providers, third parties, and/or other parties (for example, social networking services), which information can be used as described in this Privacy Policy.
  3. We can automatically collect Internet or other electronic network activity information, including but not limited to Internet browsing information, search information, and information regarding your interaction with a Site, application, or an advertisement from or about you, including
    • operating system,
    • browser type,
    • Internet protocol (IP) address,
    • platform type,
    • software and hardware attributes,
    • domain name of your Internet service provider,
    • information regarding your access to and use of a Site, and
    • anonymized information.
    In addition, we can automatically collect information about content viewed or downloaded, landing pages, browsing activity, dates and times of access, pages viewed, forms you complete or partially complete, search terms, whether you open an email and your interaction with email content, error logs, and other similar information.
  4. We can automatically collect location or geolocation information, including your geographic location.

    We, along with our service providers, third parties, and/or other parties, can automatically collect such information via cookies, web beacons, tags, application analytics software, and other technologies. Please see "Cookies and Other Technologies; Do Not Track" below.

  5. We also can draw inferences about you based on information we collect from or about you. For example, based on your browsing or purchasing activities, we may infer your purchasing preferences and/or your interest in receiving certain communications from us.
  6. We can collect information about you from
    • social networking services;
    • publicly accessible sources;
    • our subsidiaries and/or affiliates;
    • other individuals; and
    • our service providers, third parties, and/or other parties.
  7. We can combine any of the information we collect from or about you and use it and disclose it in the manner described in this Privacy Policy.

2. Cookies and Other Technologies; Do Not Track

We, along with our service providers, third parties, and/or other parties, may use cookies, web beacons, tags, application analytics software, and other technologies. These technologies may be used for tracking, advertising, analytics, and personalization and optimization of a Site.

  1. Cookies. Cookies are small text files that are stored on your computer.
    • Persistent cookies remain on the visitor's or user's computer after the browser has been closed.
    • Session cookies exist only during a visitor's or user's online session and disappear from the visitor's or user's computer when they close the browser software.
    You can instruct your browser to stop accepting cookies. But if you do not accept cookies, you may not be able to use all portions or all functionality of a Site.
    Please see https://allaboutcookies.org/ for additional information about cookies.
  2. Web beacons. Web beacons or tags (small images embedded into websites or emails that send information about your computer when you visit a Site or open an email we send to you) can be used by either us or a service provider, third party, and/or other party.
  3. Service providers, third parties, and/or other parties may collect personally identifiable information about an individual user's online activities over time and across different Internet services when a user uses a Site.
  4. Below are links to resources regarding online tracking and targeting. Some advertising provided from IRMI may be contextual. Contextual ads are ads shown to you based on the context of a website that you are visiting. You should also know that we may still collect information from your computer and use it for other purposes like evaluating how a Site works for research or detecting and preventing fraud or misuse of our products and services.

  5. Ad networks. We may use service providers, third parties, and/or other parties, such as network advertisers, to serve advertisements on other websites or other media (for example, a social networking service). This enables us and these service providers, third parties, and/or other parties to target advertisements to you for products offered by us and products and services offered by service providers, third parties, and/or other parties in which you might be interested. Ad network providers, advertisers, sponsors, and/or traffic measurement services may use cookies, JavaScript, web beacons, and other tracking technologies to measure the effectiveness of their ads and to personalize advertising content to you. These cookies and other technologies are governed by each service provider's, third party's, and/or other party's specific privacy policy, not this Privacy Policy.

    Users in the United States may opt out of many ad networks. For example, you may go to the Digital Advertising Alliance ("DAA") Consumer Choice Page at http://optout.aboutads.info for information about opting out of interest-based advertising and choices regarding having information used by DAA companies at http://digitaladvertisingalliance.org/participating. You may also go to the Network Advertising Initiative ("NAI") Consumer Opt-Out Page at https://optout.networkadvertising.org for information about opting out of interest-based advertising and choices regarding having information used by service providers, third parties, and/or other parties that are NAI members at https://www.networkadvertising.org/participating-networks.

    Opting out from one or more companies listed on the DAA Consumer Choice Page at http://optout.aboutads.info or the NAI Consumer Opt-Out Page at https://optout.networkadvertising.org will remove you from those companies' delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising through a Site or on other websites. Even if you opt out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page, you may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt-out may not be effective. Additional information is available on the DAA's website at https://youradchoices.com/ or the NAI's website at https://www.networkadvertising.org.

  6. Do not track. At this time, we do not respond to "Do Not Track" signals sent from web browsers or other mechanisms that provide users the ability to exercise choice regarding the collection of personally identifiable information about a user's online activities over time and across service provider, third-party, and/or other party Internet services because there is not a common understanding of how to interpret "Do Not Track" signals.

3. How We Can Use the Information We Collect

We can use the information that we collect from and about you to conduct our business and for any of the purposes described in the Privacy Policy, subject to applicable law. Examples are as follows.

  1. To provide you with products and services. To provide or facilitate providing you with products and services (for example, subscriptions and in connection with courses, conferences, or webinars, including as described in "To Whom Do We Disclose Your Information?" below), such as to fulfill your transactions and process your payments and process, maintain, and service your registered account or accounts.
  2. To administer and troubleshoot a Site.
  3. To communicate with you. To communicate with you to provide information, notifications, promotions, and recommendations, including, without limitation, based on information you provide, from us or our subsidiaries and/or affiliates.
  4. To respond to you. To respond to you, such as when you place an order or make a transaction, contact us, make a request or inquiry, complete a survey or evaluation, or provide a comment or suggestion.
  5. For personalization of your experiences with us. For personalization of your experiences with us, including to remember your interests and preferences, customize the products and services we provide you with, facilitate your interactions with us, track and categorize your activity and interests on a Site, and enrich your experience on a Site.
  6. For marketing and advertising. For marketing and advertising, such as to send you marketing and advertising communications, and to customize the marketing and advertising that we show you. We can also run advertising on other websites and applications via our advertising display partners.
  7. For analytics. For analytics, including to understand how you use a Site, determine how you access a Site, and improve a Site, by us or a service provider, third party, and/or other party, subject to applicable law.
  8. For our business purposes. For our business purposes, such as to operate and improve upon our business and lawful business activities; to maintain our accounts and records, research, product, service, and content improvement and development; to determine your satisfaction with our products and services; to detect and prevent fraud or misuse of our products and services; and for any other business purpose that is permitted by applicable law.
  9. Surveys and evaluations; research. To create and/or administer surveys and evaluations and conduct research.
  10. For legal and safety purposes. For legal and safety purposes, including to defend or protect us, you, or others, from harm or in legal proceedings; protect our rights; protect our security and the security of others and property; respond to court orders, lawsuits, subpoenas, and government requests; address legal and regulatory compliance; enforce the Terms; and notify you of safety issues.
  11. Anonymized information. For collecting, compiling, and/or creating anonymized information, which we or a service provider, third party, and/or other party can do, subject to applicable law, and which we or a service provider, third party, and/or other party can use for any purpose, subject to applicable law.
  12. With your consent. We can use your information other than as described in this Privacy Policy if we notify you and you consent to such use.
  13. At your request. We can use your information at your request, subject to applicable law.
  14. For any other purpose with notice by us. We can use your information for any other purpose for which we provide you with notice, subject to applicable law.
  15. Cookies and other technologies; do not track. Please see "Cookies and Other Technologies; Do Not Track" above.

4. To Whom Do We Disclose Your Information?

Information can be disclosed to service providers, third parties, and/or other parties in accordance with this Privacy Policy, subject to applicable law. Please note that a user can choose not to disclose certain information. Please see "What Information Do We Collect and How Do We Collect It?," "Cookies and Other Technologies; Do Not Track," and "How We Can Use the Information We Collect" above and "Children's Privacy," "Storage," "Retention," "Choices Regarding Your Information," "California Privacy Rights," and "Texas Privacy Rights" below.

  1. Service providers, third parties, and/or other parties. We can use service providers, third parties, and/or other parties to perform certain services on our behalf, including, without limitation, payment processing, monitoring compliance by users with and enforcement of and applying the Terms, auditing interactions and transactions with you, detecting and preventing fraud, addressing security issues, fixing errors, helping us with advertising or marketing, maintaining accounts and providing customer success, helping with our internal research, verifying product and service quality, and performing any of the other actions or activities allowed under this Privacy Policy. For example, we use Intuit/Mailchimp for our emails, newsletters, and promotional communications and marketing. Please see Intuit's Global Privacy Statement at https://www.intuit.com/privacy/statement/. We can disclose information about you that they need to perform their functions and in accordance with our agreements with them.
  2. Regulators and accreditation authorities or agencies. If you choose to use attendance at a course, conference, or webinar for continuing education credit for a license, certification, or similar program, we can disclose your information to service providers, third parties, and/or other parties, including regulators and accreditation authorities or agencies.
  3. Social networking service. If you choose to use a social networking service, information from or about you may be disclosed to or collected by the social networking service. Please see "Choices Regarding Your Information—Social networking service" below.
  4. Subsidiaries and affiliates. We can also disclose your information to any subsidiary or affiliate of ours for purposes consistent with this Privacy Policy. Any subsidiary or affiliate of ours will be required to maintain that information in accordance with this Privacy Policy.
  5. Direct marketing. We can disclose personal information to third parties for such third parties' direct marketing purposes. Please see "California Privacy Rights" below.
  6. Business changes. If we become involved in or engage in the preparatory steps leading to a merger, acquisition, sale of assets, divestiture, joint venture, securities offering, financing, bankruptcy, reorganization, liquidation, dissolution, or other transaction or if the ownership of all or substantially all of our business otherwise changes, we can disclose or transfer your information to another party or other parties, and it can be used subsequently by such party or parties.
  7. For analytics. For analytics, including to understand how you use a Site, determine how you access a Site, and improve a Site, by us or a service provider, third party, and/or other party, subject to applicable law.
  8. Legal and safety. Other parties, such as law enforcement, government entities, courts, or service providers, third parties, or other parties as required or allowed by applicable law and/or to enforce or apply the Terms, such as for the legal and safety purposes described in "How We Can Use the Information We Collect" above, or otherwise to help prevent harm or fraud to us, you, or others.
  9. Anonymized information. We can disclose anonymized information relating to visitors to and users of a Site with any service provider, third party, and/or other party for any purpose, subject to applicable law.
  10. With your consent. We can disclose your information other than as described in this Privacy Policy if we notify you and you consent to this disclosure.
  11. At your request. We can disclose your information with any other individual or service provider, third party, and/or other party at your request, subject to applicable law.
  12. For any other purpose with notice by us. We can disclose your information for any other purpose for which we provide you with notice, subject to applicable law.
  13. Cookies and other technologies; do not track. Please see "Cookies and Other Technologies; Do Not Track" above.

5. Links to Other Websites

This Privacy Policy applies only to a Site. The Site may have links to other websites to which this Privacy Policy does not apply. The links from the Site do not imply that we endorse or have reviewed these websites. The policies and procedures we describe here do not apply to these websites. We neither can control nor are responsible for the privacy practices or content of these websites. We suggest reviewing the privacy policies of these websites.

6. Children's Privacy

We do not knowingly collect personal information from individuals under age eighteen (18). If you are under the age of eighteen (18), please do not access, use, or submit any personal information through a Site. If you have reason to believe that we may have accidentally received personal information from an individual under age eighteen (18), please Contact Us immediately.

7. How We Protect Your Information

We take physical, technological, and administrative measures to protect the information that you provide through a Site from accidental or unlawful destruction, loss, or alteration and from unauthorized access, use, or disclosure. Please be aware, however, that no security measures can guarantee absolute security. No Internet or electronic transmission or method of electronic storage is ever fully secure or error free. Internet or electronic communications, including those sent through a Site, may not be secure. You should use caution whenever submitting information through a Site and take special care in deciding which information you provide us with.

To further protect yourself, you should safeguard your password and not share it with anyone. You should also sign off your registered account and close your browser window when you have finished your visit to a Site.

8. Storage

Your personal information is stored on servers in various locations, including the United States. Your personal information may be disclosed in response to inquiries or requests from government authorities in the countries in which we operate. United States federal and state governments, courts or law enforcement, or regulatory agencies may be able to obtain disclosure of your information through laws applicable in the United States. By using a Site, you understand that your information can be transferred to countries outside of your country of residence, including the United States, which may have data protection rules that are different from those of your country.

9. Retention

IRMI will retain your personal information for as long as reasonably necessary for the purposes outlined in this Privacy Policy, while we have a legitimate business need to do so in connection with your registered account, or as required by law (for example, for legal, tax, accounting, or other purposes), whichever is the longer.

If you have elected to receive email communications from us, we retain information about your email preferences until you opt out of receiving these email communications and in accordance with our policies.

To determine the appropriate retention period for the categories of your personal information, we will consider the amount, nature, and type of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we use your personal information, and whether we can achieve those purposes through other means, and the applicable legal requirements. In certain circumstances, we can anonymize your personal information, subject to applicable law.

10. Choices Regarding Your Information

You have choices regarding your information on a Site. For natural persons who are California residents, please also see "California Privacy Rights" below. For individuals who are Texas residents not acting in a commercial or employment context, please also see "Texas Privacy Rights" below.

  1. Changing your information. You can make changes to your information, including accessing your information, correcting or updating your information, or deleting your information by signing in to your registered account or via Contact Us or via postal mail as described in "How To Contact Us" below, subject to applicable legal restrictions. We may take reasonable steps to verify your identity before providing access to, correction of, update of, or deletion of your personal information.
  2. Email communications. You can make changes regarding receiving newsletters or promotional communications by email from us by clicking the "unsubscribe" link in the body of such email. You may also Contact Us at any time to opt out of receiving newsletters or promotional communications by email from us.
  3. Postal mail. We can send you promotional communications via postal mail. If you wish to opt out of promotional communications sent via postal mail, please Contact Us or contact us via postal mail as described in "How To Contact Us" below.
  4. Withdrawing consent. You can withdraw your consent to our use or disclosure of your information at any time via Contact Us or via postal mail as described in "How To Contact Us" below.
  5. Cookies and other technologies; do not track. Please see "Cookies and Other Technologies; Do Not Track" above.
  6. Social networking service. You should make sure you are comfortable with what information from or about you may be disclosed to or collected by a social networking service. For what information is disclosed or collected and how it is used, please carefully review the social networking service's privacy policy and terms and conditions and modify your privacy settings directly on that service.
  7. Please see "Retention" above.

11. How To Contact Us

If you have any questions or comments about this Privacy Policy, please contact us via Contact Us or at the following postal address or telephone numbers (including toll-free).

International Risk Management Institute, Inc.
ATTN: Customer Success Department
12222 Merit Dr., Ste. 1600
Dallas, TX 75251
Telephone: (972) 960–7693
Toll-Free Telephone: (800) 827–4242

12. California Privacy Rights

Please see "California Privacy Rights Notice" for natural persons who are California residents [California Privacy Rights Notice].

13. Texas Privacy Rights

Please see "Privacy Notice for Texas Residents" for individuals who are Texas residents not acting in a commercial or employment context [Privacy Notice for Texas Residents]. "Personal information" as used in this Privacy Policy has the same meaning as "personal data" as used in our "Privacy Notice for Texas Residents."

14. Changes to this Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time and from time to time. Please review this Privacy Policy periodically and especially before you provide any information. This Privacy Policy was made effective and/or last updated on the date indicated above.
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