PURPOSE

IBA Foundation, Inc., (“IBA” or “the Foundation”) and its Financial Services Academy, LLC (“FSA”, “we,” “us”, or “our”) subsidiary understand that visitors to our web sites have certain expectations of privacy. It is our policy to respect these expectations to the extent the law allows. This Privacy Policy (“Policy”) provides information about how the Foundation and FSA collects, uses, and handles personal information collected on or through our Site or Services.

This Policy applies only to information we collect online and does not apply to information we collect in person or through other means. This Policy applies to visitors to the Site and to Users of the Network and Services who have created accounts through the Site (“You” or “Your”). Except as otherwise specified herein, the term “Site” shall include and incorporate activities conducted on and through the “Network” and “Services.”

By using the Site, You agree to our Terms of Use and this Policy. If You do not agree, You may not, and are not authorized to, use the Site and You must cease all engagement in any FSA offerings. This Policy may change from time to time. We reserve the right to make such changes in our discretion, and without further notice, so You should check our Site periodically to view the current Policy. When changes are made to this Policy, a revised Policy will be posted to the Site. We will revise the “effective date” of this Policy and may include a description of material changes.

Children’s Online Privacy

Our Site is not intended for children or minors under the age of 13 years without the permission of a parent or guardian. If You are a parent or guardian and discover that personal information from or about Your minor child has been provided on this Site, please contact us at [email protected].

Information We Collect in General

In general, You can visit our Site without disclosing Your identity or personal information. There may, however, be instances when we ask You to provide certain personal information, such as Your name, address, telephone number, email, job title, or place of employment. If You voluntarily provide us with Your personal information through the Site, You consent to the collection and processing of such information by FSA and our third-party partners. You are not required to provide such personal information, but if You choose not to do so, it may impact our ability to provide You with certain services or assistance. You may withdraw Your consent at any time by contacting us as provided below and terminating your account.

We may use Your email address to send You messages, including to communicate about the Network and Services, provide regular updates, or convey special offers. We may also contact You by telephone if You voluntarily provide us with Your telephone number to discuss the Network and our Services. You may opt out of receiving communications from us at any time by clicking on the unsubscribe link in the email or by contacting us as provided below.

We may use the Internet Protocol (IP) address of the device You use to access our Site to help diagnose problems with our server and to administer our web site. Your IP address identifies Your device and allows us to gather broad demographic information on Site visitors. Individual visitors will remain anonymous, unless You voluntarily tell us who You are.

In general, we use the information we collect through the Site:

• to provide the information and services You request;
• to provide You with a personalized experience when You use our Site;
• to contact You with information and notices related to Your use of our Site;
• to improve the functionality and usability of our Site;
• to better understand Your needs and interests;
• for security or fraud prevention purposes; and
• for any other purpose identified in an applicable privacy notice, click-through agreement, or other agreement between You and us.

Protecting Your Information

The Site maintains appropriate security measures to ensure the security of personal information covered by this Policy and to protect such information from unauthorized use, access, or loss. We follow reasonable policies and procedures to protect personal information and comply with all applicable laws, including by limiting access to personal information and maintaining a written data security policy that describes the policies and procedures by which we maintain data security. We maintain reasonable administrative, physical, and technological measures to protect the confidentiality and security of information You submit on or through our Site in accordance with applicable laws. Unfortunately, no web site or server is completely secure. We cannot guarantee that Your personal information will not be disclosed, misused, or lost, including by the unauthorized acts of others.

Sharing Your Information

We do not sell or rent any personal information we collect on this Site to any third party. We do not disclose any personal information to any third party except as needed to fulfill the purposes of this Site. We may share Your personal information with our subcontractors or third-party partners who provide services to us, including relating to business operations, our hardware, software, databases, data security, and communications infrastructure.

We may share Your personal information as required by law, or in order to respond to subpoenas, court orders, or other legal process, or to otherwise protect our legal or contractual rights or obligations. We may also disclose, transfer, or otherwise provide, in connection with a merger, acquisition, bankruptcy, or other transaction involving all or part of our assets, Your personal information to one or more third parties as part of, or in relation to, that transaction. FSA does not permit third parties, and such parties are not authorized, to bulk collect student data or other marketable information from the Network through the use of scripts (“scraping” technology) or similar technologies or methodologies.

Third-Party Websites

You may visit other websites, through links on our Site, which may collect, use and share Your personal information in accordance with their own privacy policies. The information practices of those websites linking to or from our Site are not covered by this Policy and we are not responsible for the privacy practices of such sites. We do not assume any responsibility, and are not liable, for any acts or omissions of third parties, including the manner in which they use information received either from us or independently. For more information about how Your information may be collected, used, or shared by any of these third parties, please refer to their privacy policies, terms of use, and any other agreements.

Cookies

Parts of our Site may use a browser feature called “cookies.” A “cookie” is a small data file that is placed on the hard drive (or equivalent storage device) of Your computer (or similar computing device) when You visit a web site so that the web site can recognize You when You revisit and remember certain information about You. This can include which pages You have visited, choices You have made from menus, any specific information You have entered and the time and date of Your visit. A “session cookie” expires immediately when You end Your session (i.e., close Your browser). A “persistent cookie” stores information on the hard drive so that when You end Your session and return to the same web site at a later date, the cookie information is still available. In addition to session cookies and persistent cookies, there may be other cookies which are set by web sites which You have chosen to visit, such as this Site, to provide us or third parties with information.

We may use cookies to recognize visitors when You return to our Site so that we can customize Your online visit or alert You to new web site features. Cookies help us to learn what content is important to You and what is not. We may also evaluate and improve our content and services and tailor our Site for visitors, based on other information we collect such as IP addresses, pixel tags, and the type of browser or operating system You are using. This information is collected in the aggregate, but we may tie it to Your personal information through use of cookies.

We contract with service providers to provide us with data collection and reports regarding customer activities on our Site. These service providers may use cookies on our behalf and may receive information about Your browsing activity. They may store information such as city, state, zip code, and/or email address on our behalf. Under no circumstances may our service providers use Your information other than in connection with providing services to us so that our Site can become more useful and efficient.

In addition to the cookies we deliver to your computer or mobile device through this Site, certain third parties may deliver cookies to you for a variety of reasons. For example, to help us understand how visitors interact with our Site, we use Google Analytics, a web analytics tool. To learn more about Google Analytics, click here. If You do not want information about Your visit to our Site sent to Google Analytics, You may download an Opt-out Browser Add-on by clicking here. Please note that the Add-on does not prevent information from being sent to us.

Other third parties may deliver cookies (or other tracking technologies, including web beacons or tracking pixels) to Your device for the purpose of tracking Your online behaviors over time and across nonaffiliated sites and delivering targeted advertisements either on this Site or on other websites.

Most browsers are initially set to accept cookies. However, You can disable cookies if You wish, generally through changing Your internet software browsing settings. It may also be possible to configure Your browser settings to enable acceptance of specific cookies or to notify You each time a new cookie is about to be stored on Your computer enabling You to decide whether to accept or reject the cookie. You can also disable or delete the stored data used by technology similar to cookies, by managing Your browser’s “add-on settings.” As our cookies allow You to access some of this Site’s features, we recommend that You leave cookies enabled. Otherwise, if cookies are disabled, it may mean that You experience reduced functionality of the Site or Network.

Additionally, you can visit Digital Advertising Alliance’s (DAA) website and use the opt-out procedure, which can be used to opt-out from the use of data for interest based advertising purposes from Ascend. To access this service, please visit the DAA at: http://www.aboutads.info/choices. Please be aware that if You do not configure Your browser, or actively opt out, You will accept cookies provided by our Site.

Contact Us

If You wish to review or make changes to Your personal information in Your account on the Network, You may send a written request to FSA at [email protected] or 8425 Woodfield Crossing Blvd., Ste. 155E, Indianapolis, IN 46240. If at any time You would like additional information about any requested disclosure or this Policy, or would like to exercise any of Your choices under this Policy, please contact [email protected].

Copyright © 2026 IBA Foundation, Inc., by and through its Financial Services Academy, LLC, subsidiary. All Rights Reserved. Financial Services Academy and several other marks, colors, and images are trademarks of IBA Foundation, Inc. Other trademarks and brands are the property of their respective owners.