ObiCoach Privacy Policy

Effective: June 1st, 2016
This Privacy Policy applies to information (including personal information) collected about you on www.obicoach.com and www.tcoach.com (“Sites”) by Apay, llc. d/b/a ObiCoach and tCoach (“ObiCoach”). By using our Site, you consent to the collection and use of your information as disclosed in this Privacy Policy.
CHILDREN’S ONLINE PRIVACY
We support the protection of children’s privacy online under the U.S. Children’s Online Privacy Protection Act. The Sites do not intend to collect information from children under 13. If you are under the age of 13, do not provide us with any information or use our Sites. If we learn that we collected personal information from a child under 13, we will promptly delete that information. If you believe that we collected information from a child under 13, contact us at privacy@ObiCoach.com.
INFORMATION WE COLLECT
We may collect information about you from a variety of sources, including:
• Personal information we collect directly from you when registering or completing surveys on the Site.
• Information we collect from your communications with us through SMS or other messengering services.
• Information we collect about your visits to our Sites, how you use our Sites and services, or view our online communications.
• Anonymous information about you using small computer files that are stored on your computer or device, such as log files, cookies, java script, tags and other technologies that track your activities online, etc., such as persistent identifiers, web pixels, pixel tags, flash cookies, userdata files, object storage, or clear gifs (collectively, “Cookies”). For more information and how to opt-out, see our Cookies, Web Beacons and other Technologies section below.
• Information we collect about you from other sources, such as commercially available sources.
All the information we collect about you may be combined to help us tailor our communications to you and to develop our Sites and services.
USE AND SHARING OF INFORMATION
We use the information we collect to provide the services you request, to tell you about other programs and services offered by ObiCoach, and to manage our Sites and services. We do not sell or rent this information to anyone. We may share your information:
• With friends or advisors (parents, guidance counselor, etc.) that you wish to contact via the Sites to help with your college choices.
• To send you joint communications that we hope you find of interest.
• If ObiCoach asset(s) are sold to another company.
• To protect and defend the right and property of ObiCoach (including enforcing our Terms and Conditions).
• When required by law, and / or public authorities.
YOUR PRIVACY CHOICES
We give you choices about how we communicate with you. You can stop receiving promotional email messages from ObiCoach by following the “unsubscribe” instructions provided at the bottom of the email messages you receive from ObiCoach or our business partners. To manage promotional emails, social media notifications, or to correct or delete your Personal Information or adjust privacy settings, access the profile section of your ObiCoach account (or your social media privacy settings) and follow the directions there.
TERMS AND CONDITIONS
The Privacy Policy and Terms and Conditions together form the entire agreement between ObiCoach and you for use of the Sites. By using the Sites, you accept this agreement.
Express Consent:
By providing information on a ObiCoach website or through our service, you expressly consent that ObiCoach may collect, process, and/or share the personal information and information we collect about you as described in “Use and Sharing of Information” in this document.

OBICOACH.COM PRIVACY POLICY (DETAILED)
Effective: June 1st, 2016
This Privacy Policy applies to information (including personal information) collected about you on www.obicoach.com and www.tcoach.com (“Sites”) by Apay, llc. d/b/a ObiCoach and tCoach (“ObiCoach”), PO Box 620868 , Redwood City, CA 94062, info@obicoach.com.
By using the Site, you expressly consent to our Privacy Policy and accept the Sites’ Terms and Conditions. By using our Sites you consent to the collection and use of your information as disclosed in this Privacy Policy. If we collect information from or about you, we will use it according to the Privacy Policy in effect at the time the information is gathered. Please be aware that our Privacy Policy may be changed by updating this page. You should review this Privacy Policy periodically to ensure you are in agreement with any updates or changes. Your continued use of our Sites following any changes will mean you accept such changes.
CHILDREN’S ONLINE PRIVACY
We support the protection of children’s privacy online under the U.S. Children’s Online Privacy Protection Act. The Sites do not intend to collect information from children under 13. If you are under the age of 13, do not provide us with any information or use our Sites. If we learn that we collected personal information from a child under 13, we will promptly delete that information. If you believe that we collected information from a child under 13, contact us at privacy@obicoach.com.
INFORMATION WE COLLECT
Personal information we or our Service Providers may collect from you directly:
We collect information directly from you when you register or complete a survey on our Sites, use our products and services, or provide information directly to us. The following are examples of information we may collect directly from you:
• Name, email address and postal address.
• User name and password.
• Phone number or mobile phone number.
• Credit card account information.
• Age, date of birth, and number of siblings.
• Gender, ethnicity and demographic information.
• Academic information and graduation dates.
• College choices and preferences.
• Family state of residence, income, and assets.
• Financial aid information.
• Names of parents, guidance counselors, and college administrators.
• Interests, abilities and aptitudes for academic and career pursuits.
• Academic pursuits and choice of majors.
• Information about physical, mental, or learning disabilities.
• Educational information, learning styles and preferences.
• Career information, employment choices and salary preferences.
• Consumer interests and preferences.
• User content such as comments, reviews, and FAQ submissions.
• Future communication preferences
• Contact information for friends or advisors (parents, guidance counselor, etc.) that you wish to contact via the Sites.
Information we collect about you when you visit our Sites, use our services, or view our online communications:
Our Sites and business partners may use cookies and other technologies (see the Cookies, Web Beacons and Other Technologies section below) to collect non-personally identifiable information about you when you visit our Sites, use our services, or view our online advertisements. Most browsers are automatically set to accept Cookies when you visit a website. You can disable Cookies in your browser or set your browser to alert you when Cookies are set. However, some functions on the Sites, or on the websites of third parties or Service Providers who use the Services, may not function properly if Cookies are disabled. To learn more about Cookies, visit www.allaboutcookies.org/cookies/.
The following are examples of information we may collect with these technologies:
• Your browser type and operating system.
• IP address, UDID.
• Web pages you visited before coming to our Sites.
• Web pages you view.
• Links you click.
• Pages on the Sites you visit, and the dates and number of times you visit.
• Event data.
• Metadata.
• Keystrokes.
• ObiCoach emails you open.
• Offers or links you connect to from ObiCoach emails.
Information we collect about you from other sources, such as commercially available sources:
We may obtain information about you from other sources, including commercially available sources, such as data aggregators and public databases. The following are examples of information we may collect from other sources.
• Name, postal address.
• Age.
• Income level and financial aid requirements.
• Academic history.
• Test scores.
• Marital status and number of children.
• Your interests such as hobbies and pets.
• Consumer and market research data.
• Purchasing behavior.
• Publicly observed data or activities, such as blogs, videos, internet postings, user generated content, and college tours.
All of the information we collect about you may be combined to help us tailor our communications to you and to improve and enhance our products and services.
HOW WE USE AND SHARE YOUR INFORMATION
We do not sell or rent this information to anyone. We may disclose, or share Personal Information about you with other people including:
Education Consultants and Advisors. We may disclose or share your personal information with one or more participating education consultants or advisors such as parents, high school guidance counselors and/or other third parties that a student opts to share information with for the purposes of that party helping them with their college choices. These organizations individuals may contact you directly by email, telephone, SMS, messenger services or other means. We do not control how these organizations use or disclose your personal information.
Third Party Service Providers. We may disclose, sell or share personal information to one or more third parties with whom we have contracted to provide services to us.
Affiliates. We may disclose some or all of your personal information with our parent company, subsidiaries, joint ventures, or other companies under common control with us, in which case we will require them to honor this Privacy Policy.
Internal Analysis and Operations. We may disclose personal information for our own internal statistical, design or operational purposes, such as to estimate our audience size, measure aggregate traffic patterns, and understand demographic trends among our users. We may outsource these tasks and disclose personal information about you to third parties, provided the use and disclosure of your personal information by these third parties is restricted to performance of such tasks and subject to confidentiality.
The California Online Privacy Protection Act (CalOPPA) requires us to disclose:
• ObiCoach does not override your web browser’s Do-Not-Track signals or other mechanisms that allow you to opt-out from the collection of personal information and data over time and across third-party websites or online services.
• We do not sell or rent this information to anyone. ObiCoach may provide personal information it collects about you to third parties such as educational consultants and other advisors, and service providers who may also collect information about you over time and across different websites.
For example, we may rely on a service provider to:
• Fulfill your information and service requests and answer your questions.
• Register ObiCoach users, and deliver our email and mobile messages.
• Mail invitations and offers, contact colleges, manage payments or take other actions on our behalf.
• Advise you on your college choices.
• Analyze data, sometimes combined with other sources, to send more targeted communications to you.
• Conduct research and analyze data to improve our programs, services and Sites.
In addition, where permitted by law, we may also rely on a service provider to:
Combine personal information about you that ObiCoach has collected with personal information about you that our business partners have collected so we can jointly send tailored promotional communications to you. If you prefer not to receive these joint communications, you can always opt out by following the instructions provided in any such communication or by emailing us at privacy@obicoach.com.
Other situations. We may disclose your personal information:
Legal and Other Compliance. We may disclose personal information when we believe it is appropriate to comply with the law; to enforce or apply this Privacy Policy, Terms and Conditions or our other policies or agreements; to protect our or our users’ rights, property or safety; to protect our users from fraudulent, abusive or unlawful use of, our Sites; or if we reasonably believe that an emergency involving immediate danger of death or serious physical injury to any person requires disclosure of communications or justifies disclosure of records without delay.
Business Transfers. We may disclose Personal Information as part of any merger, acquisition, debt financing, sale of company assets or other business transaction.
Aggregated Information: We may share aggregated, anonymous information that includes or is based on information about you with third parties. This is information that is combined with the information of other users and does not directly identify you. Depending on the circumstances, we may or may not charge third parties for this aggregated information. We also may not limit the third parties’ use of the aggregated information.
User Generated Content. Some ObiCoach Sites enable users to submit their own content for profile pages, to obtain services, and participate in blogs, videos, contests, and other functions. Please remember that any information and content you submit becomes public information and you should exercise caution when deciding to disclose your personal, financial, health, or other information in a submission. ObiCoach cannot prevent such information from being used in a manner that may violate this Privacy Policy, the law, or your personal privacy and safety and is not responsible for the results of such postings.
YOUR PRIVACY CHOICES AND ACCESS TO YOUR INFORMATION
We give you choices about how we communicate with you.
Digital / Electronic Communications (examples: email, mobile, social media). ObiCoach sends you service notifications by email when you register on some ObiCoach Sites. We may also send you email messages about new services and promotions from ObiCoach Sites and services and those of our business partners. You can stop receiving promotional email messages from ObiCoach by following the “unsubscribe” instructions provided at the bottom of the email messages you receive from ObiCoach or our business partners. To manage promotional emails, social media notifications, or to correct or delete your Personal Information or adjust privacy settings, access the profile section of your ObiCoach account (or your social media privacy settings) and follow the directions there.
Cookies, Web Beacons and other Technologies. We may collect anonymous information about you using small computer files that are stored on your computer or device, such as log files, cookies, javascript, tags and other technologies that track your activities online, etc., such as persistent identifiers, web pixels, pixel tags, flash cookies, user data files, object storage or clear gifs (collectively, “Cookies”). We use cookies to monitor how the Sites are used and to help personalize your online experience. For example, when you register on our Sites, we may store information in a cookie on your computer about your interests and college preferences. The next time you visit one of our Sites from that computer, our servers use the cookie to recognize you. We can then use the information you provided when you registered combined with your activities on our Sites to provide you with services and assistance with your college decisions.
You can accept or decline cookies. Most browsers automatically accept cookies. To learn more about cookies, including how to refuse cookies on your computer, click these links:
• For Microsoft Internet Explorer: http://www.microsoft.com/info/cookies.htm.
• For Mozilla Firefox: http://support.mozilla.com/en-US/kb/Options+window+-+Privacy+panel.
• Learn about cookies: http://www.allaboutcookies.org/cookies/.
• Learn about Flash cookies: http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager.html.
Web Beacons. Web beacons are small bits of code embedded in web pages or in emails. We may use web beacons to deliver or communicate with cookies, to count users who used a tool like Badges or visited a web page, and to understand usage patterns. We also may include web beacons in e-mails to learn if messages have been opened, acted on, or forwarded. You can disable the ability of web beacons to capture information in this manner by declining cookies as described above.
Other Technologies.
Examples of other technologies we may use to provide better service to you follow:
Web Session Variables. Information that is passed from one web URL to another as you browse.
Browser plug-ins/add-ons. Additional web components that may need to be installed to enable certain web features on our Sites. You have the option not to install these components.
How we use Cookies, Web Beacons and other Technologies. We use these technologies to provide you a richer and more personalized consumer experience, and to do so, we store your user name in cookies to personalize your experience. For more detail see “How We Use and Share Information”.
To access or update your Personal Information, access the profile section of your ObiCoach account (or your social media privacy settings) and follow the directions there, or email us at privacy@mediafactual.com.
HOW WE PROTECT YOUR INFORMATION
We are committed to keeping personal information secure. We have appropriate technical, administrative and physical procedures in place to protect personal information from loss, misuse or alteration. We limit access to personal information to those who have a business need. We keep personal information only for a reasonably needed amount of time.
When we provide your personal information to our Third-Party service providers we require those companies to protect the information and to not use the information for any other purpose.
When we collect or transmit sensitive information such as a credit card number, we use industry standard methods to protect that information.
Nevertheless, no security system is impenetrable. We cannot guarantee the security of our Sites, nor can we guarantee that the information you supply will not be intercepted while being transmitted to us via our Sites and services.
TERMS AND CONDITIONS
Express Consent:
By providing information on a ObiCoach website or through our service, you expressly consent that ObiCoach may collect, process, and/or share the personal information and information we collect about you as described in “Use and Sharing of Information” in this document.
Governing Law:
The Sites are published in the United States. We attempt to comply with local data protection and consumer rights laws to the extent they may apply to our services. If you are uncertain whether this Privacy Policy conflicts with the applicable local privacy laws where you are located, you should not submit your Personal Information to the Sites.
This Privacy Policy and our Terms and Conditions together form your and our mutual agreement for your use of the Sites. We may update this Privacy Policy at any time effective as of the Effective Date displayed above. Review the Terms and Conditions and Privacy Policy from time to time to fully understand your rights and responsibilities when using the Site.