Privacy Policy/Legal Terms and Conditions for Use of This Site

Please read this page carefully. This page states the Terms and Conditions under which you, the website visitor (hereinafter "You" or "visitor") may use this site, the content of which is owned by or licensed to Working In Support of Education (WISE) and the New York Coalition on Financial Literacy. By using this site, You agree to be bound by all of the Terms and Conditions set forth below. If You do not accept these Terms and Conditions, please do not use this site. WISE may, in its sole discretion, revise these Terms and Conditions at any time; therefore, You should visit this page periodically to review the Terms and Conditions.

WISE seeks to provide support services and innovative programs with initiatives that focus on financial education, leadership, civic engagement, and preparation for college and the workplace. Although it strives for timeliness and accuracy in all of its materials, WISE makes no representations, warranties, or assurances as to the availability, accuracy, currency, or completeness of this site or its contents. WISE shall not be liable for any damages or injury resulting from Your access to, inability to access, or use of this site, including, without limitation, any damages or injury arising from any links to other sites contained within or referred to in this site.

Privacy
Working In Support of Education is committed to preserving Your right to privacy. WISE does not collect identifying information about You (such as Your name, address, telephone number, or email address) unless You voluntarily submit that information to us through our Contact Us page, our Test Your Financial Literacy registry page,registration page, online surveys, or other means. WISE may ask users to provide their contact information, as well as certain identity codes, job title and function, information required to perform credit verification, and other relevant information or preferences. We treat identifying information You submit to us as confidential and do not sell or otherwise disclose such information to third parties.

Contact Us:
The Contact Us page is the primary means of communication with WISE staff for a website visitor. Website visitors may use the Contact Us page to send content suggestions or questions about any of the areas of the site directly editorial staff and programmers. Website visitors may also use this form to ask general/specific questions (about financial literacy, the programs of WISE, the annual conference, volunteering, events related to financial literacy, the Website or content), submit notification of broken links, communicate privacy concerns, and/or submit praise and/or complaints. All comments are seen by the manager of the website and manager of the financial literacy programs who, along with other staff and volunteers, handle all content-related issues and may use these comments, for instance, as ideas for generating new content. All technical and operational issues pertaining to the website are forwarded to the website’s programmers and technical consultants for handling.

Test Your Knowledge:
Each school is given a randomly generated user name and password. These identifiers allow the results of each school to be lumped together for the purpose of statistical analysis. Individual results (including the results of each student’s tests) are not individually distinguishable from other individuals taking the tests at the same school. First and Last names are optional, and individual results are given statistical relevance using the zip code, city, and birth year fields on the sign in form. Additional demographic information requested is provided at the sole discretion of the test taker, and is used for statistical purposes.

Other:
When You visit the site, WISE may automatically collect certain non-identifying information about You, such as the type of browser or computer operating system You use or the domain name of the site from which You linked to us. Our servers automatically recognize visitors' domain name and IP address (the number assigned to computers on the Internet). No personal information about you is revealed in this process. WISE may also gather anonymous "traffic data" that does not personally identify you, but that may be helpful for improving the services we offer.
From time to time, we may use the standard "cookies" feature of major browser applications that allows us to store a small piece of data on your computer about your visit to our website. We do not set any personally identifiable information in cookies, nor do we employ any data capture mechanisms on our website other than cookies. Cookies help us learn which areas of our site are useful and which areas need improvement. You can choose whether to accept cookies by changing the settings on your browser. However, if you choose to disable this function, your experience at our website may be diminished and some features may not work as they were intended.
Any automatically collected information may be maintained indefinitely and used for our internal business and marketing purposes, such as assessing traffic patterns and usage of various features on the site, but will not be sold or otherwise disclosed to third parties for any purposes. Notwithstanding any other statements or representations here or elsewhere on our site, WISE reserves its right to disclose any information in its possession if it is required to do so by law, or it believes, in good faith, that such a disclosure is necessary to comply with the law, defend its rights or property, or to respond to an emergency situation.
If You are concerned about the information You have provided to WISE or would like to review, update or delete that information, please contact us at:
Working In Support of Education
227 E. 56th Street, Suite 201
New York, NY 10022
Phone: (212) 421-2700
info@moneypower.org

WISE will make reasonable efforts to comply with Your wishes.

A Note to Parents and Teachers
Our website is intended to be a safe resource for students and others to find useful, age-appropriate information. Although WISE is a non-commercial, nonprofit, charitable foundation and as such is not subject to the Children's Online Privacy Protection Act, it takes children's privacy very seriously. WISE does not share or sell the information sent to it, whether by children or anyone else. WISE does not advertise third-party products to children or anyone else.

Security
WISE employs reasonable security measures to protect the personal information You submit to it. Such security involves the use of SSL-secured Web forms, Firewalls, and other commonly employed security methods.

User Submissions
WISE welcomes Your comments on its site and Content. However, You acknowledge that if You send us creative suggestions, ideas, notes, drawings, concepts, inventions or other information, (collectively, the "Information"), the Information shall be deemed, and shall remain, the property of WISE. By submission of any Information to us, You assign to us and we shall exclusively own all now known or hereafter existing rights to such Information and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to You.

As a user of this site, You are responsible for Your own communications and are responsible for the consequences of their posting. Therefore, do not do any of the following things: transmit to us material that is copyrighted, unless You are the copyright owner or have the permission of the copyright owner to post it; send material that reveals trade secrets, unless You own them or have the permission of the owner; send material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others; send material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another user or any other person or entity; send sexually explicit images; send advertisements or solicitations of business; send chain letters or pyramid schemes; or impersonate another person.

WISE reserves the right to expel users and prevent their further access to this site for violating these terms or the law and reserves the right to remove any communications from this site. The violation of any of the terms and conditions set forth on this Terms and Conditions page shall result in the immediate revocation of Your right to use the Content and obligates You to immediately destroy any copies of the Content in Your possession.

Editorial Policies
Content, questions, articles and information published on this site undergo a rigorous editorial process that includes extensive review by financial professionals. However, all information on this site is for educational purposes only. For specific financial advice, consult a licensed professional.
The editorial staff makes every effort to be as neutral as possible with regard to gender, race, color, religion, and age. All scenarios and questions are fictional; any similarities to actual persons, living or dead, are purely coincidental.

Links
This site contains links to websites owned by third parties. These resources are listed on a separate page and users are cautioned at the top of these pages that clicking links to listed resources will take them off the Moneypower.org website. These links are provided solely as a convenience to You and are not an endorsement by WISE of the contents of those other sites. WISE is not responsible for the content of any linked sites and makes no representations regarding the content or accuracy of materials on such sites. If You decide to visit any third-party sites using links from this site, You do so at Your own risk.

Disclaimer of Warranties
WISE does not warrant that the site will operate error-free or that the site or its server are free of computer viruses or other harmful material. If Your use of the site or the site's material results in the need for servicing or replacing of equipment or data, WISE shall not be responsible for those costs. This site and its material are provided on an "as is" basis without any warranties of any kind.

WORKING IN SUPPORT OF EDUCATION, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND THE WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE.

Disclaimer of Consequential Damages
IN NO EVENT SHALL WORKING IN SUPPORT OF EDUCATION, ITS EDUCATIONAL PARTNERS, OR ANY THIRD PARTIES MENTIONED IN THE SITE CONTENT, BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE MATERIAL ON THIS WEBSITE OR SITES LINKED TO THIS WEB SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER WORKING IN SUPPORT OF EDUCATION IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Use of Site Material
The contents of this site, including, without limitation, text, graphics, images, and other content (the "Content") are owned by or licensed to WISE and are protected by copyright under both United States and foreign laws. Unauthorized use of the Content violates copyright, trademark, and other laws. You agree to retain all copyright and other proprietary notices contained in the original Content on any copy You make of such material. You may not sell or modify our Content or reproduce, display, distribute, or otherwise use the Content in any way for any public or commercial purpose. Use of the Content on any other Website or in a networked environment is prohibited.

Miscellaneous
This site originates from New York, New York. WISE does not claim that the Content on this site is appropriate or may be used outside of the United States. Access to the Content may not be legal by certain persons or in certain countries. If You access the site from outside the United States, You do so at Your own risk and are responsible for compliance with the laws of Your jurisdiction.
These Terms and Conditions are governed by the substantive laws of the State of New York, without respect to its conflict of laws principles. You agree to submit to the jurisdiction of the courts situated in the State of New York with respect to any dispute, disagreement, or cause of action related to or involving this site. If any provision is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided elsewhere in this site, these Terms and Conditions constitute the entire agreement between You and Working In Support of Education with respect to Your use of this site.
Copyright 2002-2003 Working In Support of Education and the New York Financial Literacy Coalition. All rights reserved.
Moneypower and Moneypower.org are trademarks of Working In Support of Education