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ANALYZE: The Influence of Social Media
Effective as of July 1, 2014 (last updated May 1, 2023)
Data is retained only for educational purposes.
Next Gen Personal Finance (“NGPF” or “we”) is a U.S. non-profit organization dedicated to free educational content. NGPF operates a website at www.ngpf.org. The purpose of this Privacy Policy is to inform you regarding:
PLEASE READ OUR ENTIRE PRIVACY POLICY CAREFULLY BEFORE USING THE NGPF website. This Privacy Policy constitutes an integral part of the Terms of Use for the NGPF website (as defined in the Terms of Use). Capitalized terms not otherwise defined herein are as defined in the Terms of Use.
By using the NGPF website, you acknowledge that you have read and understand our Privacy Policy in its entirety, and accept our processing as described herein. If you do not agree to any of the terms contained in our Privacy Policy, please refrain from using the NGPF website or disclosing personal information on the NGPF website.
We recognize the need to provide additional privacy protection for children on the NGPF website. To register for NGPF and gain access to Assessments and Answer Keys, you must be a verified teacher. Financial professionals and other non-teacher individuals may also gain access to the website, but with limited view. NGPF verifies a teacher identity through several methods including visiting a school’s online teacher directory and/or contacting a teacher’s supervisor.
If under 13 years of age, please get consent from your parent, guardian, or teacher.
We do not collect any personal information on children under 13 years of age. Younger visitors should always check with their parents or guardians before entering information on any website or mobile application and we encourage families to discuss their household guidelines regarding the online sharing of personal information.
For information about how we protect the privacy of children in the European Economic Area (“EEA”), please see Section 9 (“Notices to Individuals in the European Economic Area”).
If you know anyone who is in violation of our age requirements, please email info@ngpf.org.
We reserve the right to modify our Privacy Policy from time to time in our sole discretion. For example, we may amend our Privacy Policy in order to address new developments in the law, or to conform to changing industry practices. If we make changes to our Privacy Policy, we will announce and post such changes on the NGPF website for the general public. If you are a Member, we may also notify you of the changes via email and may ask you to acknowledge or affirmatively consent to the changes at the time of your next account login on the NGPF website. By continuing to use the NGPF website after such notice and consent, you are bound by our Privacy Policy as modified.
Personal Information: This refers to information that can be used when Teachers set up an Account on our website. This includes first and last name, email address, school name, school city and state and account login information (i.e., username and password). It also includes information that may be uniquely linked to a User as a result of his/her visit to the NGPF website, such as server log file data and session information (which is explained in more detail below). You may need to provide your username and password) in order to access certain areas and features on the NGPF website.
Non-Personal Information: This refers to any information that does not identify a User personally. For example, we may gather demographic and/or other aggregate data about our Users as a group. Also, we may use online survey and feedback forms to gather opinions, comments, suggestions, etc. about the NGPF website on an anonymous basis from our Users; occasionally, we report quoted feedback from Users, but we do not attribute feedback to individual Users unless we have permission from a User to use his or her name along with the feedback. We collect and use non-personal information to administer and monitor the NGPF website, to analyze NGPF website traffic and usage patterns and trends, to improve the functionality of the NGPF website, and to enable us to personalize and better Users’ experience on the NGPF website. When we report information about the Site to our partners and investors, we report non-personal information only.
We will use your information only for the purposes for which it was collected. Those purposes include:
We do not knowingly share or sell your personal information with third parties for their direct marketing use. We will only share your personal information with third parties with your consent, at your direction, or in the following circumstances:
We offer you choices and opportunities to opt out of certain uses of your personal information. In addition, you have certain rights with regard to the personal information we collect about you.
Cookies are small data files that websites and online services send to and store on your computer or mobile device through your web browser. Cookies enable websites and online services to recognize your browser and record certain information about your visits. While the cookies we use may change from time to time as we improve and update the NGPF website, they generally fall into the below categories of use:
Most web browsers are initially set to accept cookies, but you can change your browser settings to notify you when you are sent a cookie, giving you the ability to accept or reject it, or you can choose to routinely and manually delete cookies stored on your computer or mobile device. Each time you revisit the NGPF website, your ability to restrict our use of cookies on that service is subject to your browser settings and limitations at the time. Please note that if you choose to disable or reject cookies from us, the NGPF website or portions thereof may become inaccessible or may not function properly. For more information on how to manage cookies, visit http://www.aboutcookies.org/. To manage Adobe Local Shared Objects (also known as LSOs or Flash cookies), please visit http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_mana ger07.html.
We may also use web beacons (also known as clear GIFs or pixel tags) – which are small bits of code embedded in web pages or in emails – to deliver or communicate with cookies, to count users who have visited a web page, and to understand usage patterns. We may include web beacons in emails to help us recognize activities such as when an email was opened, how many times an email was forwarded, which links in the email were clicked on, etc. Web beacons cannot be declined when delivered via a regular web page. However, web beacons can be refused when delivered via email. If you do not wish to receive web beacons via email, you will need to disable HTML images or refuse HTML (select Text only) emails via your email software.
The NGPF website may contain links to certain third-party websites. NGPF does not own, control or operate such linked sites, and is not responsible for the privacy policies or practices of such linked sites. Privacy policies and practices for such linked sites may differ from our Privacy Policy and practices. You access and use such linked sites entirely and solely at your own risk. We urge you to read the privacy policies of such linked sites before disclosing your personal information on such sites.
EEA Children’s Privacy: We take appropriate steps to obtain parental or guardian consent prior to collecting personal information from children under 13 or 16 years old (depending on where you are located in the EEA). Younger visitors should always check with their parents or guardians before entering information on any website or mobile application and we encourage families to discuss their household guidelines regarding the online sharing of personal information.
Member Registration (website registration): Only Verified teachers and Finance Professionals are able to register on the NGPF website. Children are not able to register for the NGPF website.
Marketing Communications: We will obtain your consent to receive marketing communications prior to sending you such communications. You can opt-out at any time by using the “opt out” or “unsubscribe” means provided in the marketing mailings you received. You may also email us at info@ngpf.org.
Individual Rights related to Personal Information: You may email info@ngpf.org or use the contact information in Section 12 below to request that we:
The NGPF website is operated from and hosted on servers in the United States. If you are outside of the United States and access the NGPF website or submit your personal information to us, please be advised that U.S. law may not offer the same privacy protections as the law of your jurisdiction. If you visit our Services or contact us from outside of the United States, please be advised that (i) any information you provide to us or that we automatically collect will be transferred to the United States; and (ii) that by using our Services or submitting information, you explicitly authorize its transfer to and subsequent processing in the United States in accordance with this Privacy Policy.
We understand the importance of protecting the security and integrity of personal information that our Users have shared with us. We maintain a comprehensive security program that is reasonably designed to protect the security, privacy, confidentiality, and integrity of personal information against risks – such as unauthorized access or use, or unintended or inappropriate disclosure – through the use of administrative, technological, and physical safeguards appropriate to the sensitivity of the information. For example, we encrypt the transmission of your information using secure socket layer (SSL) or similar technologies. We also have in place internal policies and procedures that govern our use and disclosure of your personal information.
Despite the steps we take to protect your personal information, we do not warrant or guarantee the security of any information you transmit to, from or on the NGPF website. Therefore, we urge you to keep your account login information in a safe place and not to divulge it to anyone. Also, remember to sign off your account and close your browser window when you have finished your visit. This is to ensure that others cannot access your account, especially if you are sharing a computer with someone else or are using a computer in a public place such as a library or an Internet cafe.
We will maintain your personal information for as long as you have an account or as necessary to deliver the NGPF website to you or to your school. We may anonymize your personal information after you have deactivated or deleted your account so that we can use this anonymized information for our internal business purposes.
If you have any questions regarding our Privacy Policy, please contact us at: NGPF dba Next Gen Personal Finance
PO Box 218
Palo Alto, CA 94301 USA Email: info@ngpf.org
NGPF is the data controller with respect to the personal information collected through the NGPF website. If you are located in the EU and you are unhappy with our resolution of your privacy-related inquiry or request, you have the right to lodge a complaint with your Supervisory Authority.
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