Privacy Policy

Read our Terms & Conditions and Privacy Policy below

Terms & Conditions

Last updated: September 1, 2024

The following terms of use (“Terms of Use”) apply to your use of services operated by Analytic Services Inc. (ANSER) together with its affiliates and subsidiaries (“ANSER,” “Company,” “we,” “us,” or “our”). By accessing or using our website at www.anser.org, including subdomain(s) thereof (collectively, the “Site”), you signify that you have read, understand, and agree to be bound by these Terms of Use.

In addition to these Terms of Use, you may enter into other agreements with us or others that will govern your use of the Site. If there is any contradiction between these Terms of Use and another agreement you enter into applicable to specific aspects of the Site, the other agreement shall take precedence in relation to the specific aspects to which it applies. As used herein, “User” or “Users” means anyone who accesses and/or uses the Site.

The information contained and accessed on the Site is provided by ANSER and is intended to offer the user general information of interest about ANSER. The information provided is not intended to replace or serve as a substitute for any audit, advisory, tax or other professional advice, consultation or service. You should consult with an ANSER professional in the respective audit, advisory, tax or other professional areas to obtain such services and/or information.

Eligibility
The Site is intended solely for Users who, if they are a natural person, are eighteen (18) years of age or older, and any registration by, use of or access to the Site by any natural person under 18 is unauthorized, unlicensed and in violation of these Terms. By using the Site, you represent and warrant that, if you are a natural person, you are 18 or older and that you agree to and will abide by these Terms in their entirety. If you violate any of these Terms, or otherwise violate an agreement between you and us, ANSER may prohibit you from using or accessing the Site or any portion thereof, at any time in its sole discretion, with or without notice.

Proprietary Rights
All content on the Site, including but not limited to designs, text, graphics, pictures, video, and other information (collectively “Content”), are the proprietary property of ANSER with all rights reserved, except the copyright to certain images or videos appearing on the Site may belong to third-parties and we are using such images as a fair and permissible use and/or with the appropriate license and/or consent of the copyright holder.

Materials on the Site may not be modified, reproduced, publicly displayed, performed, distributed or used for any public or commercial purposes without explicit written permission from the appropriate content or material provider (including third-party links). ANSER bears no risk, responsibility or liability in the event that a user does not obtain such explicit written permission as advised by ANSER.

No Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without our prior written permission, except as follows. Notwithstanding the previous sentence, provided that you are eligible for use of the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Site solely for your use in connection with your use, provided that you keep all copyright or other proprietary notices intact. You may not republish Content or incorporate the information in any other database or compilation, and any other use of the Content is strictly prohibited.

Any use of the Content other than as specifically authorized herein, without the prior written permission of ANSER, is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Terms of Use shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable by us at any time without notice and with or without cause. We reserve all rights not expressly granted to you in and to the Site, Content, and any proprietary marks.

Restrictions on Data Collection/Termination
Without our prior consent, you may not:

    • Use any automated means to access the Site or collect any information from the Site (including, without limitation, robots, spiders, scripts or other automatic devices or programs);
    • Frame the Site, utilize framing techniques to enclose any content or other proprietary information, place pop-up windows over the Site’s pages, or otherwise affect the display of Site;
    • Engage in the practices of “screen scraping,” “database scraping” or any other activity with the purpose of obtaining content or other information;

or

  • Use the Site in any manner that violates applicable law or that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of this Site.

We may terminate or disable your access to, or use of, the Site for any reason, including without limitation, if we believe that you have violated or acted inconsistently with any portion of these Terms of Use.

Trademarks
The name “ANSER” and other service names, graphics, logos, designs, page headers, button icons, and scripts on the Site are trademarks or trade dress of the Company in the U.S. and/or other countries. Our trademarks and trade dress may not be used, including as part of trademarks and/or as part of domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior express written permission of ANSER. To request this written approval, please use the “Contact us” feature.

Third-party sites are provided as a convenience to our users, and ANSER is not responsible for their content. ANSER is obligated to protect its reputation and trademarks and ANSER reserves the right to request removal of any link to our Site.

User Representations
You agree not to harvest or collect email addresses or other contact information of Users from the Site by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications. Additionally, you agree not to use automated scripts to collect information from the Site or for any other purpose. You further agree that you may not use the Site in any unlawful manner or in any other manner that could damage, disable, overburden, or impair the Site. In addition, you agree not to use the Site to:

  • Upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically, or otherwise objectionable;
  • Upload, post, transmit, share, store or otherwise make available content that would constitute, encourage, or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, federal, or international law;
  • Impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity;
  • Upload, post, transmit, share, or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
  • Solicit personal information from anyone under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes;
  • Upload, post, transmit, share, or otherwise make available any material that contains software viruses, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;
  • Use any information obtained from the Site in order to harass, abuse, or harm another person;
  • Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any content or enforce limitations on the use of the Site;
  • Make improper use of our support services or submit false reports of abuse or misconduct.

Digital Millennium Copyright Act
ANSER will respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act (the text of which can be found at the U.S. Copyright Office website, www.copyright.gov/) and other applicable intellectual property laws. A response may include removing or disabling access to material claimed to be the subject of infringing activity. If we remove or disable access to comply with the Digital Millennium Copyright Act, we will make a good-faith attempt to contact the owner or administrator of each affected site so that the owner or administrator may make a counter-notification pursuant to sections 512(g)(2) and (3) of that act. Analytic Services Inc. will document all notices of alleged infringement on which we act.

If you believe that any material on the Site infringes upon any copyright which you own or control, you may send a written notification of such infringement to our Designated Agent as set forth below:

Analytic Services Inc. (ANSER) Attn: General Counsel, 4040 Wilson Blvd., Suite 500, Arlington, VA 22203

(703) 416-2000

Email: [email protected]

Please note that you will be liable for damages (including costs and attorneys’ fees) if you materially misrepresent that a product or activity is infringing your copyrights. Accordingly, if you are not sure whether certain material of yours is protected by copyright laws, we suggest that you first contact an attorney.

To meet the notice requirements under the Digital Millennium Copyright Act (DMCA), the notification must be a written communication that includes the following:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online Site are covered by a single notification, a representative list of such works at that site;
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
  • Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number and, if available, an electronic mail address at which the complaining party may be contacted;
  • A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.


Counter-Notification
The administrator of an affected site may make a counter-notification pursuant to sections 512(g)(2) and (3) of the Digital Millennium Copyright Act. When we receive a counter-notification, we will reinstate the material in question.

To file a counter-notification with us, you must provide a written communication (by fax or regular mail) that sets forth the items specified below. Please note that you will be liable for damages (including costs and attorneys’ fees) if you materially misrepresent that a product or activity is not infringing the copyrights of others.

To expedite our ability to process your counter-notification, it must be a written communication to the Designated Agent that includes the following:

  • Identification of the specific material to which access has been removed;
  • Your contact information, including an address, telephone number and, if available, an electronic mail address at which you may be contacted;
  • A statement that you consent to the jurisdiction of Federal District Court for the judicial district in which your address is located (or the Eastern District of Virginia if your address is outside of the United States) and that you will accept service of process from the person who provided notification under subsection (c)(1)(C) or an agent of such person;
  • A statement that you have a good-faith belief that the material identified was removed or disabled as a result of a mistake or misidentification; and
  • A statement that the information in the counter-notification is accurate, and under penalty of perjury.

Repeat Infringer Policy
In accordance with the DMCA and other applicable law, ANSER has adopted a policy of terminating, in appropriate circumstances and at the Company’s sole discretion, the accounts of Users who are deemed to be repeat infringers. ANSER may also at its sole discretion limit access to the Site for any Users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Links to Other Web Sites and Content
The Site may contain links to other web sites (“Third-Party Sites”), as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, software and other content belonging to or originating from third parties (the “Third-Party Content”). Such Third-Party Sites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Sites accessed through the Site, or any Third-Party Content posted on the Site, including without limitation the content, accuracy, offensiveness, opinions, reliability, or policies of or contained in the Third-Party Sites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold ANSER blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

Privacy
Please review our Privacy Policy, which also governs your use of the Site, to understand our practices.

Term and Termination
These Terms shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

Modifications and Interruptions
We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on the Site. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.

Due to the nature of electronic communication processes, ANSER does not guarantee or warrant that this Site will be uninterrupted, without delay, error-free, omission-free, or free of viruses. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance. Nothing in these Terms will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.

Disclaimer
THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED THERETO, AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

Limitations of Liability
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

Indemnification
You agree to defend, indemnify, and hold ANSER harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Site; (2) breach of these Terms; (3) any breach of your representations and warranties set forth in these Terms of Use; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

User Data
We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

Governing Law
These Terms of Use, and your use of the Site, are governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to any principles of conflict of laws that would require or permit the application of the laws of any other jurisdiction. You agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within the County of Arlington, Virginia. This is the case whether you reside or transact business with us in Virginia or elsewhere. If any part of the Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.

Dispute Resolution
In the event of any claim, controversy or alleged dispute between you and us (“Dispute”), you hereby agree to attempt in good faith to amicably resolve any Dispute at least 30 days before instituting any legal proceeding.

Submissions
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Site (“Submissions”), provided by you to ANSER are non-confidential and shall become the sole property of the Company. ANSER shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

No Waiver
The failure of ANSER to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision in that or any other instance. If any provision of these Terms of Use is held invalid, the remainder of these Terms of Use shall continue in full force and effect. If any provision of these Terms of Use shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

Changes to these Terms of Use
We may make changes to these Terms from time to time in our sole discretion. If we do this, we will post the changed Terms on the Site and will indicate at the top of this page the date the Terms were last revised. You understand and agree that your continued use of the Site after we have made any such changes constitutes your acceptance of the new terms.

Analytic Services Inc. (ANSER) Attn: General Counsel, 4040 Wilson Blvd., Suite 500, Arlington, VA 22203 (703) 416-2000

Privacy Policy

Last Revised: September 1, 2024

Analytic Services Inc. (“ANSER,” Company,” “we,” “us,” or “our”) operate and manage the website at www.anser.org, including subdomain(s) thereof (collectively, the “Site”).

The purpose of the Site is to provide information about ANSER to the general public. For site security purposes and to ensure that the Site remains available to all users, our computer system employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.

By accessing the Site, you accept this Privacy Policy, as well as our Terms of Use as may be amended from time to time.

We are always conscious and respectful of your personal privacy and we recognize the importance of protecting your personal information. This Privacy Policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We explain how any personal and/or personally identifiable information that we may request will be used. We also detail below our security policy which describes how your personal information is protected. This Privacy Policy is intended to inform you of information including the types of information we collect, how we use the information we collect, how we may share the information we collect, and how we safeguard the information we collect.

This Privacy Policy applies to you whenever you access or use the Site, or when you access, use, or download any products, services, features, content, materials, or other tools offered thereon.

Information Collection and Use
To provide use of the Site, we may collect personal information (“Personal Data”). Personal Data includes information obtained directly from you, as well as indirectly through electronic communications and third parties. We may use such Personal Data to facilitate necessary activities, such as:

  • Satisfying our record-keeping obligations under applicable laws, rules, and regulations.Communicating with you about the Site.
  • Targeting our marketing, advertising, and sales efforts to enhance your user experience and increase engagement.
  • Verifying your identity, accounts, and activity, to monitor suspicious or fraudulent activity.
  • Identifying and correcting errors.
  • On a de-identified, aggregated basis, research, and development, including analyzing how you use the Site to help us understand usage patterns and identify problems.
  • Contacting you or, if applicable, your designated representative(s) by post, telephone, text message, electronic mail, facsimile, etc., in connection with your relationship with ANSER.

If your relationship with ANSER ends, we will continue to treat your Personal Data, to the extent that it is retained, as described in this Privacy Policy.

Except for authorized law enforcement investigation and to maintain required correspondence files, no other attempts are made to identify individual users or their usage habits.

When you send us an e-mail, we do retain the content of the e-mail, your e-mail address, and our response in order to handle any follow-up questions you may have. We also use this information to measure how effectively we address your concerns.

Use of the Site
We (and/or our service providers) may automatically and/or passively collect information about your access, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We (and/or our service providers) use this aggregated information in the administration of our web site to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies and other marketing activities. We (and/or our service providers) use non-identifying and aggregated information to help optimize our web site based on the needs of our users.

We may receive information about you from our trusted business partners and service providers. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Information Sharing
Except as set forth below, we do not sell, rent, or lease your Personal Data to anyone.

To operate the Site, we may share personal information we collect with our trusted business partners and service providers, including auditors, attorneys, information technology consultants, advisors, and affiliated companies. These partners and service providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements.

We occasionally contract with service providers for tasks such as packaging, mailing and delivering purchases, sending postal mail, and processing event registration. We will only provide those service providers the information they need to deliver the service, and they are authorized by us to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements.

We may share our research or analysis of aggregated customer data or information we receive, but only in a way that would not allow you or any other person to be identified.

We may share information about you with federal, state, or international regulators, where we believe doing so is required or appropriate to comply with any laws, regulations, or other legal processes or law enforcement requests (e.g., court orders, search warrants, or subpoenas). We may also disclose information about you with federal, state, or international regulators or authorities, (i) where we believe doing so is required or appropriate to comply with laws or other legal processes, (ii) in response to a court order, search warrant, or subpoena from law enforcement or appropriate governmental body, (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity, or (iv) if necessary to protect the vital interests of another individual (such as to prevent death, bodily harm, or serious damage to property). We reserve the right to transfer information about our users in the event we sell or transfer all or substantially all our business or assets.

Data Security
We have adopted physical, electronic, and managerial procedures to protect Personal Data in our custody and control against loss, theft, and unauthorized access, use, modification, and disclosure. However, no transmission over the internet, or any method of storage is impenetrable. We cannot guarantee the security of our services, nor can we guarantee that the information you provide will not be intercepted while being transmitted to us over the internet. Therefore, while we strive to use commercially reasonable means to protect your Personal Data, we cannot guarantee its absolute security.

Children’s Online Privacy Protection
While the Site is not directed towards children, we are committed to complying with the United States’ Children’s Online Privacy Protection Act (COPPA). If a child has provided us with personally-identifiable information without parental or guardian consent, the parent or guardian should e-mail us to remove the information and cancel the e-mail subscription.

Cookies
We may use various cookies on the website, including session ID cookies, non-persistent cookies, and persistent cookies. A cookie is a text file sent by a web server to a web browser, and stored by the browser. A text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser, and load the pages according to a user’s preferences for that particular site, including personalization of content.

Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to the Site.

We may send a cookie that can be stored by your browser on your computer’s hard drive, and use the information we obtain from the cookie in the administration of the Site, to ensure proper functioning of the Site, in terms of navigation and usability, and to evaluate the effectiveness of marketing efforts.

We may also use that information to recognize your computer when you visit our web site (if you select the “remember me on this computer” option), and to personalize the Site for you. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many web sites. Cookies may have long-term expiration dates, or none, and thus can stay in your hard drive for months at a time. While you can remove them as instructed by the help content in your chosen browser, disabling cookies will prevent you from using our site. As with many transactional web sites, cookies must be enabled in order to use our site.

At no time do any of our cookies capture any personal information. Further, using cookies also helps us protect the security of your account, such as ensuring that no one is making changes to your profile, applying for loans, or making loans on your behalf. This information is encrypted.

We use Google Analytics, a web analysis service provided by Google that utilizes the data collected across multiple devices, to gain insight into visitor flows, traffic sources and page views on the Site, and to initiate and track email interactions. Entering information on the Site and/or interacting with our emails will cause you to be personally identified. This means we can see, for example, whether you open our email and whether you click through to the Site, and what your website activities are. Google may use the data collected to contextualize and personalize the ads of its own advertising network. You may opt-out of Google Analytics tracking by visiting https://tools.google.com/dlpage/gaoptout.

For more information, please refer to Google Analytics Privacy Policy at: www.google.com/policies/privacy/partners/.

We may allow third-party ad networks to serve advertisements, provide other advertising services and/or collect certain information when you visit the Site. Third-party ad networks may use non-personally identifiable information (e.g., clickstream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visit to the Site in order to provide advertisements about goods and services likely to be of interest to you. To learn more about Interest-based Advertising or to opt-out of this type of advertising, you can visit AboutAds.info/choices or www.networkadvertising.org/choices/.

Business Links
The Site may contain links to third party websites, and may redirect you to such third-party websites upon engagement. ANSER is not responsible for the privacy practices or the contents of such third-party websites. These sites may include, among others, service providers who have a relationship with ANSER. Third party websites are not under our control, and we are not responsible for any third-party websites, or the accuracy, sufficiency, correctness, reliability, veracity, completeness, or timeliness of their information, links, changes, or updates. The inclusion or access to these websites does not imply an endorsement by ANSER, or of the provider of such content or services, or of any third-party website. Please be aware that when you enter a third-party website, any information you provide, including financial information, is subject to the terms of use and privacy notice of that website.

Compliance with State and Federal Laws
This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our membership. We may also be required to maintain your personal information for at least seven years in order to comply with applicable federal and state laws regarding recordkeeping, reporting and audits.

Right to Opt Out of Sharing
You have the right to request to opt out from your Personal Data being shared with unaffiliated third parties through a Do Not Sell request by contacting us at the following address: [email protected]. Please note that you may not be able to opt-out if the Personal Data is shared situations related to protecting against fraud, complying with certain legal and regulatory requirements, and required consumer reporting.

California Privacy Rights
Pursuant to the California Consumer Privacy Act (“CCPA”), residents of California have certain rights concerning a business with which the California resident has an established business relationship regarding the Personal Data the business collects, uses and discloses.

California residents have the right to know what Personal Data a business has about them. California residents can obtain a report of this Personal Data once every twelve (12) months. When California residents terminate their relationship with ANSER, they have the right to have their information forgotten, except to the extent the Site is prohibited by law from deleting the information.

California residents also have the right to opt out from their data being sold or otherwise monetized with third parties through a “Do Not Sell” request. To request your Personal Data information, exercise your right to request deletion, or exercise your “Do Not Sell” request, please contact us at [email protected]

European Data Protection Rights
If you are located in the European Economic Area (“EEA”), United Kingdom or Switzerland, you may ask us to take the following actions in relation to your personal data that we hold:

  • Provide you with information about our processing of your personal data and give you access to your personal data.
  • Update or correct inaccuracies in your personal data.
  • Delete your personal data.
  • Transfer a machine-readable copy of your personal data to you or a third party of your choice.
  • Restrict the processing of your personal data.
  • Object to our processing of your personal data for direct marketing purposes.
  • Object to reliance on our legitimate interests as the basis for processing of your personal data.

You can submit these requests by email to [email protected] or our headquarters postal address provided on this Site. We may request specific information from you to help us confirm your identity prior to processing your request. Applicable law may require or permit us to decline your request. If we decline your request, we will tell you why, subject to legal restrictions.

If you would like to submit a complaint about our use of your personal data or our response to your requests regarding your personal data, you may contact us at: [email protected] or lodge a complaint with a supervisory authority.

Access, Correction, and Deletion. We will provide you with the ability to request access to and correction or deletion of certain information we have about you, such as your contact information. Your right to access, amend, or delete personal information may be limited in some circumstances. Please submit your request by sending an email to the address specified in the “Contact Us” section below. Please include your name, email address, and postal address in your request, and describe specifically the information that you would like to access, correct, or delete so that we may respond appropriately and promptly.

Changes to this Privacy Policy
ANSER reserves the right, at its sole discretion, to change, modify or otherwise alter this Privacy Policy at any time. When we revise this Privacy Policy, we will post the updated Privacy Policy on the Site, and it shall be effective immediately upon the posting thereof. We may also notify you via email in the event of any substantive or material changes. Your continued use of the Site following the posting of changes and/or modifications to this Privacy Policy will constitute your acceptance thereof. We encourage you to periodically review this page for the latest information on our privacy practices.

If you have any questions about this Privacy Policy, the practices of the ANSER, or your dealings with the Site, please contact us by email at: [email protected]

or by mail at:Analytic Services Inc. (ANSER) Attn: General Counsel, 4040 Wilson Blvd., Suite 500, Arlington, VA 22203 (703) 416-2000.