Terms &

Policies

Terms & Policies

This section describes the terms and conditions that govern your use of certain Illumeo.com digital products, including Illumeo.com and any mobile applications.

We may change, add or remove portions of these Terms and Policies at any time, which shall become effective immediately upon posting. It is your responsibility to review these Terms of Service prior to each use of the Site and by continuing to use this Site, you agree to any changes.

These terms and policies have been made in and shall be construed and enforced in accordance with California law. Any action to enforce these Terms and Policies shall be brought in the state or federal courts located in California.

Correspondence should be sent to info@illumeo.com

Illumeo User Agreement

This is a Legally Binding Agreement

This ILLUMEO User Agreement was initially adopted September 9, 2016.

By accessing, viewing, downloading or otherwise using the ILLUMEO™ website or any webpage or feature available through Illumeo, any information provided as part of the Illumeo services, or any related emails or services (hereinafter collectively "Illumeo" or the "Service"), or by clicking "Join Illumeo" during the registration process, you conclude a legally binding agreement with Illumeo, Inc. ("we") based on the terms of this Illumeo User Agreement ("Agreement") and become an Illumeo user ("User"). If you are using Illumeo on behalf of a company or other legal entity, such entity should have a separate agreement with Illumeo, but you are nevertheless individually bound by this Agreement. If you do not want to be bound to this Agreement, do NOT join Illumeo as a registered user and do not access, view, download or otherwise use any Illumeo webpage, information or services whether as a registered or an unregistered user.

Please read this Agreement carefully. By becoming a User, you acknowledge that you have read and understood the terms and conditions of this User Agreement and that you agree to be bound by all of its provisions.

We may modify, replace, refuse access to, suspend or discontinue Illumeo, partially or entirely, or change and modify terms of this User Agreement or any other terms concerning use of Illumeo at any time and from time to time, without notice, in Illumeo's sole discretion. All of these changes shall be effective upon their posting on our site or by email communication to you. We reserve all rights not expressly granted to you under this User Agreement, including, without limitation, title, ownership, intellectual property rights, and all other rights and interest in Illumeo and all related items.

1. Your Obligations — What You Must Do

Comply with laws and this Agreement: You must comply with this Agreement as it may be amended from time to time, Illumeo's Privacy Policy, Legal Disclaimer, Refund Policy, Event Registration Policy, any notices provided by Illumeo from time to time, and all applicable laws.

Illumeo is an online interactive computer service which provides a platform for professional development. You assume all risk in relying on any Content existing on or delivered via the Illumeo website, services and all related tools and services in any form in which they may be delivered (the "Content"). Illumeo makes no representations or warranties concerning the Content including, without limitation, the accuracy or legal sufficiency thereof, or Illumeo's compliance with any requirements that may be imposed on you by third parties, by law or otherwise concerning any Content you use.

Illumeo has no obligation to verify the identity of any Users when they are connected to the site, to supervise the Content which has been provided by Users, or to remove any Content for any reason. No actions by Illumeo in responding to any User communications concerning Content, or editing or removing any Content, shall give rise to any obligation of Illumeo concerning any Content. Our current procedure related to personally identifiable information collected through Illumeo is contained in our Privacy Policy and we may update our policies and procedures from time to time at our sole discretion. Should you believe that someone is misusing or otherwise appropriating your information, you must immediately inform Illumeo.

Do not rely on this site for business, professional or career decisions: Although Illumeo provides webinars, training courses, white papers and more, such information should not be relied upon for making business, professional, career or any other decision. Your specific circumstances will not be known by the person that is providing insights on the site or via Content. In any case, the information on this site is simply one form of data you can gather in any decision process, and you should get direct, professional help to solve your issues and not rely on Content read or viewed on this website. Illumeo and all of its Content providers will not be held responsible should you make decisions based on the information you gather on this website.

License and warrant your submissions: You own the information you provide Illumeo under this Agreement, and may request its deletion at any time, unless you have shared information or content with others and they have not deleted it, or it was copied or stored by other users. Illumeo can not control search engines (such as Google) and thus may not be able to remove your content from search engines or any other websites that may collect and archive content from websites such as Illumeo.com.

Keep your password secure: Keep your password confidential, do not use other Users' accounts and do not let others use your account; you are responsible for anything that happens through your account — until you notify us of a breach (service@illumeo.com), close down your account or prove that your account security was compromised due to a fault of our systems. You are prohibited from selling, trading or otherwise transferring your Illumeo account or any information therein to another party or charging anyone for access to any portion of Illumeo, or any information therein.

Service Eligibility. You represent and warrant that you (a) are not under the age of 18; (b) have not previously been suspended or removed from Illumeo; (c) are not a direct competitor of Illumeo nor are affiliated in any way with a direct competitor; (d) do not have more than one Illumeo account at any given time; and (e) have full power and authority to enter into this Agreement and in doing so will not violate any other agreement to which you are a party.

Pay Fees and Taxes: If you purchase or subscribe to any products or services that we offer for a charge, you will pay the applicable fees (including, without limitation, monthly fees for premium accounts) as they become due plus all related taxes and reimburse us for any collection costs including, without limitation, reasonable attorneys fees and court costs and interest for any overdue amounts.

Indemnify us: You hereby indemnify us and agree to hold us, and our owners, managers, employees and agents, and their respective successors and assigns, harmless from any and all damages, losses and costs (including, but not limited to, reasonable attorneys' fees) related to third party claims, charges or investigations, caused by (a) your reliance for any purpose of any Content posted on the Illumeo website, or (b) any activity in which you engage on or through Illumeo.

Notify us of acts contrary to this Agreement: If you believe that you are obligated to act contrary to this Agreement under any mandatory laws, you shall provide to us, 30 days before you act contrary to this Agreement, written notice describing the action you propose to take and the laws or other basis on which you believe such action is obligated, to allow us to assess whether we may, at our sole discretion, provide an alternative remedy for the situation.

Export Control: Your use of the Illumeo site, software, and services is subject to export and re-export control laws and regulations, including the Export Administration Regulations ("EAR") maintained by the United States Department of Commerce and sanctions programs maintained by the Treasury Department's Office of Foreign Assets Control. You have no right to copy, transfer or otherwise dispose of any part of the Service. You shall not, directly or indirectly, sell, export, re-export, transfer, divert, or otherwise dispose of any software or service that is part of the Service to any end-user without the prior written consent of Illumeo and without obtaining any required authorizations from the appropriate government authorities. You also warrant that you are not prohibited from receiving US origin products, including services or software.

Privacy: You are subject to, and should carefully read, our Privacy Policy before deciding to become a User of Illumeo.

2. What You May Do

On the condition that you continue to comply with all your obligations under this Agreement, we grant you a limited, revocable, nonexclusive, nonassignable, nonsublicenseable right to access, through a generally available web browser (but not any scraping, spidering, crawling or other technology or specialist software used to harvest data) to view information that we provide or is provided on Illumeo webpages or in any way via the Illumeo site as we intend such information to be used, and only in accordance with this User Agreement, and any additional specific terms of use or disclaimers that are posted on the Illumeo website or are otherwise made available to you. You may submit information to us at your own risk of loss and subject to your indemnification obligations under this Agreement. We grant you no other rights, implied or otherwise, and reserve all rights not expressly granted under this User Agreement.

3. What You May Not Do

As a condition to access Illumeo, you agree you may not do any of the following:

duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, otherwise transfer or commercially exploit Illumeo (excluding content posted by you) except as permitted in this User Agreement;
reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide Illumeo, or any part thereof;
include information in your profile or in Status Updates which reveals your identity beyond such information as is specifically required by forms on the Illumeo website;
utilize information, content or any data you view on and/or obtain from Illumeo to provide any service that is deemed by Illumeo, in Illumeo's sole discretion, to be competitive against Illumeo;
share your Illumeo login or any Illumeo course materials whatsoever, including but not limited to: course videos, pdfs, other electronic documents, sample documents, etc., with anyone else ever;
imply or state, directly or indirectly, that you are affiliated with or endorsed by Illumeo unless you have entered in to a written agreement with Illumeo, Inc. which may expressly authorize you to do so and then only to the extent so authorized;
use intellectual property of Illumeo, or any Content, to adapt, modify or create derivative works based on such intellectual property;
rent, lease, loan, trade, sell/re-sell access to Illumeo or any information therein, or the equivalent, in whole or part;
deep-link to the Site for any purpose, (i.e. including a link to a Illumeo web page other than Illumeo's home page) unless expressly authorized in writing by Illumeo;
access, reload or "refresh" or make any other request to transactional servers more than once during any sixty second interval;
access, via automated or manual means or processes, Illumeo for purposes of monitoring its availability, performance or functionality or for any competitive purpose;
engage in "framing," "mirroring," or otherwise simulating the appearance or function of Illumeo's website;
attempt to or actually access Illumeo by any means other than through the interface provided by Illumeo;
attempt to or actually override any security component included in or underlying Illumeo;
engage in any action that interferes with the proper operation of, or places an unreasonable load on, Illumeo infrastructure, including but not limited to unsolicited communications, attempts to gain unauthorized access, or transmission or activation of computer viruses;
remove any copyright, trademark or other proprietary rights notices contained in or on Illumeo, including those of Illumeo or any of its licensors;
remove, cover or otherwise obscure any form of advertisement included as part of Illumeo;
use any information obtained from Illumeo to harass, abuse or harm another person;
collect, use or transfer any information, including but not limited to, personally identifiable information obtained from Illumeo except as expressly permitted in the User Agreement or the owner of such information may expressly permit;
interfere with or disrupt Illumeo, including but not limited to any servers or networks connected to Illumeo, or disobey any requirements, procedures, policies or regulations of networks connected to the Illumeo website or service;
upload a cartoon, symbol, drawing or any content other than a photograph of yourself in your profile photo;
use or attempt to use another's account without authorization from the Company, or create a false identity on Illumeo;
infringe or use Illumeo's brand, logos and/or trademarks, including, without limitation, using the word "Illumeo" in any business name, email, or URL or including Illumeo's trademarks and logos on any website without authorization; or
upload, post, email, transmit or otherwise make available or initiate any content that:
- falsely states, impersonates or otherwise misrepresents your identity, including but not limited to the use of a pseudonym, or misrepresenting your current or previous positions and qualifications, or your affiliations with a person or entity, past or present;
- is unlawful, libelous, abusive, obscene, discriminatory or otherwise objectionable;
- includes telephone numbers, email addresses, street addresses or any personally identifiable information for which there is not a field provided by Illumeo;
- includes information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
- infringes upon patents, trademarks, trade secrets, copyrights or other proprietary rights;
- includes any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation or request. This prohibition includes but is not limited to (a) using Illumeo invitations to send messages to people who don't know you or who are unlikely to recognize you as a known contact; (b) using Illumeo to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission; and (c) sending messages to distribution lists, newsgroup aliases, or group aliases.
- contains software viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment of Illumeo or any User of Illumeo;
- forges headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the Services; and/or
- adds to a content field content that is not intended for such field (i.e. submitting a telephone number in the "title" or any other field).

4. Illumeo's Rights and Obligations

The purpose of Illumeo is to provide a platform, or online computer service, for facilitating professional knowledge exchange. Any other use of Illumeo is strictly prohibited and is a violation of this Agreement.

We allow you to access Illumeo as it may exist and be available on any given day subject to this User Agreement. Illumeo may update, improve, discontinue and change its services and offerings, at any time and from time to time, in Illumeo's sole discretion. We have no other obligations, except as expressly stated in this Agreement.

Illumeo reserves the right to withhold, remove and or discard any Content available as part of your account with or without notice at any time and from time to time, in Illumeo's sole discretion. For avoidance of doubt, Illumeo has no obligation to store, maintain or provide you a copy of any Content that you provide when using the Services.

Illumeo reserves the right to close, suspend or otherwise restrict access to any User account at any time and from time to time at Illumeo's sole discretion for any reason or for no reason and without prior notice.

You acknowledge and agree that we may send you important information and notices regarding Illumeo by posting on the Illumeo website, by email or through other means. You acknowledge and agree that we shall have no liability associated with or arising from your failure to maintain accurate contact or other information, including, but not limited to, your failure to receive critical information about Illumeo, and that you allow Illumeo to update you profile data using third party data sources so that we may keep your professional profile information current. You acknowledge, consent and agree that we may access, preserve, and disclose your registration and any other information you provide if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to , among other things: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claims of a violation of the rights of third-parties; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of Illumeo, its Users and the public. Further, you acknowledge and agree that Illumeo may use information you have shared with us, including but not limited to your title, industry, geography and other User-provided information, to provide you with targeted ads that you may find more pertinent than untargeted ads.

By registering for any Event, or downloading any Illumeo-created content, including but not limited to white papers, videos, customer testimonials, e-books, on-demand webinars, product data sheets, case studies, infographics, analyst reports, event recordings and the like (collectively the "Sponsor Content") on the Illumeo Site, you agree that Illumeo may use your provided contact information to inform you of various products and services Illumeo offers or is considering to offer to you or other Users. If you do not agree to the foregoing, please do not register for the Event or download the Content.

Illumeo and may include or automatically produce links to third party web sites ("Third Party Sites"), for example, via a blog. Illumeo is not responsible for and does not endorse any advertising, products or other materials or content on or available from such web sites or resources. Illumeo may also include articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software and other content or items belonging to or originating from third parties (the "Third Party Applications, Software or Content"). If you decide to leave Illumeo and access the Third Party Sites or to use or install any Third Party Applications, Software or Content, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering procedures, of any site to which you navigate from Illumeo or relating to any applications you use or install from the site.

5. Disclaimer

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED TERMS IN CONTRACTS WITH CONSUMERS AND AS A RESULT THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

ILLUMEO AND ALL CONTENT PROVIDED ON ILLUMEO.COM IS PROVIDED "AS IS". DO NOT RELY ON ILLUMEO, ANY INFORMATION THEREIN, OR ITS CONTINUATION. ILLUMEO DISCLAIMS ANY AND ALL IMPLIED WARRANTIES AND REPRESENTATIONS, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT AND ANY WARRANTIES ARISING OUT OF CONDUCT OR TRADE PRACTICE.

IF YOU ARE DISSATISFIED OR HARMED BY ILLUMEO OR ANYTHING RELATED TO ILLUMEO, YOU MAY LEAVE ILLUMEO AND TERMINATE THIS AGREEMENT IN ACCORDANCE WITH SECTION 7 HEREOF AND SUCH TERMINATION SHALL BE YOUR SOLE AND EXCLUSIVE REMEDY.

ILLUMEO IS NOT RESPONSIBLE, AND MAKES NO REPRESENTATIONS OR WARRANTIES, FOR THE DELIVERY OF ANY MESSAGES, POSTING OF ANSWERS, OR TRANSMISSION OF, ANY CONTENT SENT OR DISPLAYED THROUGH ILLUMEO TO ANYONE. IN ADDITION, ILLUMEO NEITHER WARRANTS NOR REPRESENTS THAT YOUR USE OF ILLUMEO WILL NOT INFRINGE THE RIGHTS OF THIRD PARTIES.

ILLUMEO DOES NOT HAVE ANY OBLIGATION TO VERIFY THE IDENTITY OF THE PERSONS PURCHASING OR SUBSCRIBING TO ITS SERVICES, NOR DOES IT HAVE ANY OBLIGATION TO MONITOR THE USE OF ITS SERVICES BY OTHER USERS OF THE COMMUNITY.

ILLUMEO DOES NOT GUARANTEE THAT THE SERVICES WHICH IT PROVIDES WILL FUNCTION WITHOUT INTERRUPTION OR ERRORS IN FUNCTIONING. IN PARTICULAR, OPERATION OF ILLUMEO MAY BE INTERRUPTED DUE TO MAINTENANCE, UPDATES, OR TECHNICAL IMPROVEMENTS. ILLUMEO DISCLAIMS ALL LIABILITY FOR DAMAGES CAUSED BY ANY SUCH INTERRUPTION OR ERRORS IN FUNCTIONING. FURTHERMORE, ILLUMEO DISCLAIMS ALL LIABILITY FOR ANY MISFUNCTIONING, IMPOSSIBILITY OF ACCESS, OR POOR USE CONDITIONS OF THE ILLUMEO.COM SITE DUE TO INAPPROPRIATE EQUIPMENT, DISTURBANCES LINKED TO THE INTERNET, THE INTERNET SERVICE PROVIDER, OR ANY OTHER REASON UNRELATED TO ILLUMEO.

6. Limitation of Liability

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY IN CONTRACTS WITH CONSUMERS AND AS A RESULT THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

NEITHER ILLUMEO, INC NOR ANY OF ITS AFFILIATES, EMPLOYEES, OWNERS, OR MANAGERS ("ILLUMEO AFFILIATES") SHALL BE LIABLE FOR ANY DAMAGES TO YOU (1) IN EXCESS OF $100 IN THE AGGREGATE FOR ANY AND ALL CLAIMS, OR (2) FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE OR CONSEQUENTIAL DAMAGES OR LOSS OF USE, PROFIT, REVENUE OR DATA TO YOU OR ANY THIRD PERSON ARISING FROM YOUR USE OF THE SERVICE, ANY PLATFORM APPLICATIONS OR ANY OF THE CONTENT OR OTHER MATERIALS ON, ACCESSED THROUGH OR DOWNLOADED FROM ILLUMEO EVEN IF ILLUMEO IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE LIMITATION OF LIABILITY SET FORTH IN THE PRECEDING SENTENCE SHALL APPLY REGARDLESS OF WHETHER YOU BASE YOUR CLAIM ON CONTRACT, TORT, STATUTE OR ANY OTHER LEGAL THEORY, WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS AND EXCLUSIONS OF LIABILITY SHALL ALSO APPLY TO ANY PROFESSIONAL-CLIENT COMMUNICATION, RELATIONSHIP, OR REPRESENTATION WITH ANY PROFESSIONAL OR CLIENT IDENTIFIED THROUGH YOUR USE OF ANY SERVICES, OR RELATING TO PROFESSIONAL ADVICE OR INFORMATION YOU RECEIVE, VIEW, ACCESS, OR OTHERWISE OBTAIN VIA ANY SERVICES, AND ANY USE OF OR RELIANCE UPON SAID INFORMATION OR ADVICE IS SOLELY AND ENTIRELY AT YOUR OWN RISK.

THE LIMITATIONS OF LIABILITY AND DISCLAIMERS SET FORTH IN THIS AGREEMENT ARE MATERIAL BARGAINED FOR ELEMENTS OF THIS AGREEMENT AND ILLUMEO WOULD NOT HAVE PROVIDED THE SERVICE WITHOUT SUCH LIMITATIONS OR DISCLAIMERS.

7. Termination

You may terminate this Agreement, for any or no cause, at any time, with written notice to Illumeo which shall be effective upon Illumeo processing such notice and your cessation of use of Illumeo. Illumeo may terminate this Agreement for any or no cause, at any time, with or without notice, which shall be effective immediately or as may be specified in the notice. For avoidance of doubt, your access to any Premium Services may be terminated only by Illumeo or the party paying for such services.

Illumeo may, at its sole discretion, limit access to the Service and/or terminate the memberships of any Users who infringe or who are accused of infringing any intellectual property rights of others, whether or not there is any repeat infringement.

8. Consequences of Termination

Upon termination, you lose access to Illumeo. The terms of this Agreement shall survive any termination, except Sections 2 and 3 hereof.

9. California Law and Arbitration

Choice of Law and Interpretation: The Agreement and any disputes with us or any Illumeo Affiliate arising out of or relating to this Agreement or Illumeo ("Disputes") shall be governed, to the maximum extent permitted by law, by the laws of either the state in which you reside or the state in which you are located when using the Web Site without giving any effect to such state's principles governing conflicts of laws, excluding conflicts of law principles and excluding the United Nations Convention on Contracts for the International Sale of Goods. The American Law Institute Principles of the Law of Software Contracts shall not be used to interpret any of the provisions of this Agreement.

Agreement to Arbitrate and Pay Attorneys' Fees: Any Disputes shall be resolved by final and binding arbitration under the rules of the American Arbitration Association, to be held in San Jose, California, in English, with a written decision stating and legal reasoning issued by the arbitrator(s) at either party's request, and with arbitration fees and reasonable attorneys' fees of both parties to be borne by the party that ultimately loses. At the request of any party, arbitrators, attorneys, parties to the mediation or arbitration, witnesses, experts, court reporters, or other persons present at a mediation or arbitration shall agree in writing to maintain the strict confidentiality of the proceedings.

Exception from Arbitration Agreement: Subject to Section 10, either party may obtain injunctive relief (preliminary or permanent) and orders to compel arbitration or enforce arbitral awards in any court of competent jurisdiction.

10. General Terms

Severability: If any provision of this Agreement is found to be invalid or unenforceable under mandatory laws of a particular jurisdiction, such provision shall be interpreted as to give maximum effect to its intended purpose and this shall not affect the validity or enforceability of (a) such provision under the laws of any other jurisdiction, or (b) any other provision of this Agreement.

Notices: We may notify you via postings on www.Illumeo.com, email, or any other communications means to contact information you provide to us. You may also notify us via email at Legal@illumeo.com or via mail or courier at Illumeo, Inc., Attn: Legal Department, 1608 W Campbell Av #221, Suite 1215, Campbell, CA, 95008, USA; any notices that you provide without compliance with this Section on Notices shall have no legal effect.

Entire Agreement: You agree that this Agreement constitutes the entire, complete and exclusive agreement between you and us regarding the Service and supersedes all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of this Agreement.

Amendments to this Agreement: We reserve the right to modify, supplement or replace the terms of this Agreement, effective upon posting at www.Illumeo.com or otherwise notifying you by electronic mail. IF YOU DO NOT WANT TO AGREE TO CHANGES TO THIS AGREEMENT, YOU MUST DISCONTINUE USE OF ILLUMEO.

No informal waivers, agreements or representations: Our failure to act with respect to a breach by you or others does not waive our right to act with respect to that breach or subsequent similar or other breaches. Except as expressly and specifically contemplated by this Agreement, no representations, statements, consents, or waivers by Illumeo shall be deemed legally binding on Illumeo, unless documented in a physical writing hand signed by a duly appointed officer of Illumeo.

No Injunctive Relief: In no event shall you seek or be entitled to rescission, injunctive or other equitable relief, or to enjoin or restrain the operation of the Service, exploitation of any advertising or other materials issued in connection therewith, or exploitation of the Service or any content or other material used or displayed through the Service.

Assignment and Delegation: You may not assign or delegate any rights or obligations under this Agreement and any purported assignment and delegation shall be ineffective. We may freely assign or delegate all rights and obligations under this Agreement, fully or partially. We may also substitute, effective upon notice to you, any third party that assumes our rights and obligations under this Agreement.

11. Professional-to-Client Relations

The Services may from time to time include the ability for you to submit questions to certain types of professionals, including but not limited to attorneys and accountants (the "Professional Members"), and even request that specific professionals respond to your questions. A communications exchange within that aspect of the Services may give rise to a professional-to-client relationship, such as an attorney-client relationship, or representation of limited scope and duration between you (the "client") and the professional that responds to your submitted question.

The Professional Members are not employed by Illumeo. No such information contained on the Website or provided through the Services, constitutes an endorsement of any particular professional or a guarantee of any personal and professional qualities or characteristics of a professional or any advice or opinion he or she may render. Illumeo does not verify nor warrant or guarantee that every individual who holds him or herself out as a professional is in fact registered to provide professional advice in the jurisdictions which he or she may claim.

This website is not intended to create, and does not create, a professional-to-client relationship including but not limited to attorney-client, auditor-client or any advisor-client relationship, and are not subject to standards or requirements of confidentiality and/or privilege associated therewith, nor does it ensure confidentiality between you and Illumeo or between any of its users, and you should not act or rely on any information in this website.

If an attorney-client relationship does arise through any Services, the scope and duration of any attorney-client relationship or representation between the attorney and client arising through an exchange of communication via the Service is limited by the subject matter and nature of the exchange. The scope of this limited attorney-client relationship or representation extends only to the substance of the submitted question. The Professional Member is under no duty to further investigate, follow-up, review, pursue, take further action, or to continue to represent the client. The duration of such attorney-client relationship or representation is presumed to end as soon as the responding attorney provides the last answer or follow-up communication in the exchange.

As an attorney or any other professional, you agree and understand that any malpractice liability which may result from your use or provision of any Services is your sole responsibility and hereby waive, absolve, indemnify, and release Illumeo from any liability, loss, or damage resulting from any malpractice claim arising directly, indirectly, consequentially, or historically from any contact, content, communication, advice, consultation, or representation made using any Services as a conduit. You further agree and understand that in accepting this license, you release, absolve, and indemnify Illumeo from responsibility or liability for loss or damage of any kind, including legal or attorney's fees, incurred by you or your clients or prospective clients as a result of any conflict of interest.

Claims Regarding Copyright Infringement

Pursuant to the Digital Millennium Copyright Act, 17 U.S.C. sec. 512, Illumeo, Inc has designated an agent to receive notices of claimed copyright infringement. If you believe in good faith that your work has been copied in a way that constitutes copyright infringement, please provide Illumeo, Inc.'s Copyright Agent the following information:

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
A description of the copyrighted work that you claim has been infringed;
A description of where the material that you claim is infringing is located on the Site;
Your address, telephone number, and e-mail address;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Illumeo, Inc.'s Copyright Agent for Notice of claims of copyright infringement can be reached as follows: by e-mail at abuse@Illumeo.com or by mail at:

Illumeo, Inc.

ATTN: Copyright Agent

1608 W Campbell Av #221, Suite 1215, Campbell, CA, 95008, USA

Upon receipt of the written notification containing the information as outlined in 1 through 6 above:

Illumeo, Inc. may remove or disable access to the material that is alleged to be infringing;
Illumeo, Inc. may forward the written notification to such alleged infringer; and
Illumeo, Inc. may take reasonable steps to promptly notify the alleged infringer that it has removed or disabled access to the material.

Counter-Notification:

If the alleged infringer believes that a notice of copyright infringement has been wrongly filed against it and it would like to submit a counter-notification, it may file a Counter-Notification in Response to Claim of Copyright Infringement with Illumeo, Inc.'s Copyright Agent.

To be effective, a Counter-Notification must be a written communication provided to the Illumeo, Inc.'s Copyright Agent for Notice that includes the following information:

A physical or electronic signature of the alleged infringer;
Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
A statement under penalty of perjury that the alleged infringer has a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
The alleged infringer's name, address, and telephone number, and a statement that the alleged infringer consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the alleged infringer's address is outside of the United States, for any judicial district in which Illumeo, Inc. may be found, and that the alleged infringer will accept service of process from the person who provided notification or an agent of such person.

Upon receipt of a Counter-Notification containing the information as outlined in 1 through 4 above:

Illumeo, Inc. may promptly provide you with a copy of the Counter-Notification;
Illumeo, Inc. may inform you that it will replace the removed material or cease disabling access to it within ten (10) business days; and
Illumeo, Inc. may replace the removed material or cease disabling access to the material within ten (10) to fourteen (14) business days following receipt of the Counter-Notification, provided Illumeo, Inc.'s Copyright Agent for Notice has not received notice from you that an action has been filed seeking a court order to restrain a Buyer or Subscriber from engaging in infringing activity relating to the material on Illumeo, Inc.'s network or system.

You may want to seek the advice of independent legal counsel before filing a notification or counter-notification.

Notice and Procedure for Making Complaints Regarding Content

To notify Illumeo, Inc. of Content that infringes your rights (other than copyright violations in which case please click here) or is otherwise unlawful ("Specified Content"), you must send a notice to the Illumeo, Inc. Content Complaint Manager by mail, e-mail, or fax, and provide the following information:

Your name, address, telephone number, and e-mail address;
A description of the Specified Content that your claim either infringes your rights or is otherwise unlawful, specifying which parts of it you believe infringe your rights, or are unlawful, and which parts you believe should be removed;
A description of the exact location of the Specified Content on the Web Site;
In the event you believe that the Specified Content infringes your rights, a statement specifying in detail the rights you assert, and why the Specified Content infringes them;
(In the event you believe that the Specified Content is otherwise unlawful), a statement specifying in detail which laws you believe are being breached, and why the Specified Content does so;
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are damaged by the Specified Content or authorized to act on such person's behalf; and
Your electronic or physical signature (as appropriate).

When we receive a notice that complies with the above requirements, we will evaluate the information you provided (including, if appropriate, forwarding the notice to, or otherwise contacting the source of the Specified Content), and if appropriate in our judgment, remove or disable access to the Specified Content. In such case, we may notify the source of the Specified Content of your complaint and our action taken. In some cases, if the source of the Specified Content provides us with information indicating that the Specified Content has been removed wrongly, we may reinstate the Specified Content. Our take-down and re-instatement procedures are and remain at our sole discretion.

You may want to seek the advice of independent legal counsel before filing a notice or responding to a notice filed by someone else.

Illumeo, Inc. Content Complaint Manager

Contact information for Illumeo, Inc.'s Content Complaint Manager is as follows:

E-Mail: abuse@Illumeo.com

Mail:

Illumeo, Inc.

ATTN: Counsel

1608 W Campbell Av #221, Suite 1215, Campbell, CA, 95008, USA

Miscellaneous Provisions

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of this Agreement shall continue in effect. Unless otherwise specified herein, this Agreement constitutes the entire agreement between the user and Illumeo with respect to the Illumeo Web Site and the subject matter hereof and it supersedes all prior and contemporaneous communications and proposals, whether electronic, oral or written, between the user and Illumeo with respect to the Illumeo Web Site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this Agreement and all related documents be composed and published in English.

Illumeo, Inc., San Jose, California, USA, September 7, 2016.

Illumeo is not affiliated with any of Google®, Yahoo®, or MSN®. All trademarks and service marks used in this website are the property of their resepective owners.

YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND UNDERSTAND THE RIGHTS, OBLIGATIONS, TERMS AND CONDITIONS SET FORTH HEREIN. BY USING ILLUMEO, YOU EXPRESSLY CONSENT TO BE BOUND BY ITS TERMS AND CONDITIONS. By CHECKING THE CHECKBOX THAT SAYS "I have read, understood, and agree to Illumeo's User Agreement, Terms of Use and Privacy Policy" AND THEN clicking on the "CREATE NEW ACCOUNT" button, you acknowledge your acceptance of these terms and conditions and form a binding legal contract with ILLUMEO. If you do not accept these terms and conditions, DO NOT CREATE A NEW ACCOUNT.

Privacy Policy

Thank you for joining the world’s largest online audit, accounting, corporate finance and related learning platform. We at Illumeo, Inc. (“Illumeo”, “we”, “us”) respect your privacy and want you to understand how we collect, use, and share data about you. This Privacy Policy covers our data collection policies and describes your rights to access, correct, or restrict our use of your personal data.

Unless we link to a different policy or state otherwise, this Privacy Policy applies when you visit or use the Illumeo website (in any form, via any device) or related services (the “Services”).

By using the Services, you agree to the terms of this Privacy Policy. You shouldn’t use the Services if you don’t agree with this Privacy Policy or any other agreement that governs your use of the Services.

If any of our policies conflicts with applicable law or the policies of a corporate client we will change the policy as needed to conform.

Why Do We Collect Data
What Data We Collect
How We Get Data About You
What We Use Your Data For
Who We Share Your Data With
Security
Your Rights
Jurisdiction-Specific Rules
Updates & Contact Info
Cookie Policy

1. Why Do We Collect Your Data

We collect your data primarily in order to provide you our Services. We simply can’t provide our Services without some fundamental data collection along the way. We also use your data to better understand how our users utilize our Services and to provide additional services. This helps us improve and add to our Services over time. For example, if you take an online assessment on our platform we will use the information to provide you with personalized course suggestions.

Some data is collected because it is needed by your company in a corporate subscriber mode. Illumeo is provided to many users by their companies who wish for them to gain professional development, continuing education credits, and other expertise through this platform. In that process, your manager and their leadership chain, along with any administrators assigned by your company, will have full view of your information and activity on Illumeo in order to better build and execute your professional development.

And yes, we use your data to more effectively communicate with you about our Services. For instance, if you have a job title that indicates you are in accounting we might send you information about accounting courses on our platform. You can always and easily opt out of these communications. We intend to educate, not annoy our users. What we don’t do is sell your data to third parties so that others can market to you. That is simply not our business model. Our intent and desire is that only Illumeo uses Illumeo-collected data for marketing purposes. Any third-party sharing of your data is for provision of Services on our platform. But do note that all of our service providers have their own data use policies which we do not and cannot control.

2. What Data We Collect

We collect certain data from you directly, like information you enter yourself about yourself (e.g. name, job title, company name, etc.), and data about your participation in courses or other elements of our platform, like assessments, your personal development plan and other platform features. We also collect some data automatically, like information about your device and what parts of our Services you interact with.

2.1 Data You Provide to Us

We may collect different data from or about you depending on how you use the Services. Below are some examples to help you better understand the data we collect.

When you create an account and use the Services, including through a third-party platform, we collect any data you provide directly, including:

Account Data	In order to use certain features of our platform, like enrolling in a live webinar, an on-demand course, taking a competency assessment, or generating continuing education credit certificates, you need to create a user account. When you create or update your account, we collect and store the data you provide, like your email address, password, professional certifications, and date of birth (to provide you with information about your state’s continuing education requirements and deadlines), and assign you a unique system ID number (“Account Data”).
Profile Data	You can also choose to provide profile information like a photo, professional bio, or other data. Your Profile Data may be publicly viewable by others depending on the type of user account you hold with us. For example, if your company provides you your Services access, your manager, HR support and others may be able to see this data.
Professional Designation Data	You can also choose to provide professional designation information like what designations you hold (e.g. CPA, CMA, etc.), what your designation license numbers and dates are, and various information related to your professional designations and reporting/maintaining those designations. We do this so that we can help you manage and maintain information related to your professional designation(s). Your professional designation(s) information may be viewable by others depending on the type of user account you hold with us. For example, if your company provides you your Services access, your manager, HR support and others may be able to see this data.
Shared Content	Some of the Services let you interact with other users or share content publicly, such as by posting reviews or ratings on a course, asking or answering questions, sending messages to students or instructors. Such shared content may be publicly viewable by others depending on where it is posted. Most of your ratings and questions can be added anonymously if so chosen by users.
Course Data	When you enroll in and take courses, we collect certain data including which courses, assignments and quizzes you’ve started and completed, your on-platform Q&A exchanges with instructors, the amount of time you spent in a course or exam, your testing scores, and other items submitted to satisfy course requirements.
Payment Data	If you make purchases, we collect certain data about your purchase (such as your name and zip code) as necessary to process your order. You must provide certain payment and billing data directly to our payment processing partners, including your name, credit card information, billing address, and zip code. For security reasons, Illumeo does not collect or store sensitive cardholder data, such as full credit card numbers or card authentication data. That information is solely managed by our payment processing providers.
Data About Your Accounts on Other Services	We may obtain certain information through your social media or other online accounts if they are connected to your Illumeo account. If you login to Illumeo via LinkedIn or another third-party platform or service, we ask for your permission to access certain information about that other account. For example, depending on the platform or service we may collect your name, profile picture, account ID number, login email address, location, or physical location of your access devices. Those platforms and services make information available to us through their APIs. The information we receive depends on what information you (via your privacy settings) or the platform or service decide to give us. If you access or use our Services through a third-party platform or service, or click on any third-party links, the collection, use, and sharing of your data will also be subject to the privacy and other policies of that third party.
Sweepstakes, Promotions, and Surveys	We may invite you to complete a survey or participate in a promotion (like a contest, sweepstakes, or challenge), either through the Services or a third-party platform. If you participate, we will collect and store the data you provide as part of participating, such as your name, email address, phone number, and collected sweepstake, promotion or survey data. That data is subject to this Privacy Policy unless otherwise stated in the official rules of the promotion. The data collected will be used to administer the sweepstake, promotion or survey, including for notifying winners, distributing rewards, and follow-up communications. To receive a reward, you may be required to allow us to post some of your information publicly (like on a winner’s page or to social media). Where we use a third-party platform to administer a survey or promotion, the third party’s privacy policy will also apply.
Communications and Support	If you contact us for support or to report a problem or if you have a question, we collect and store your contact information, messages, and other data about you like your name, email address, location, operating system, IP address, and any other data you provide or that we collect through automated means (which we cover below). We use this data to respond to you and research your question, in accordance with this Privacy Policy.

The data listed above is stored by us and associated with your account.

Illumeo keeps your data forever, unless you request that we destroy it, so that you can always access your learning history. We provide a convenient online storage capability for professional development and many of our users utilize our site as their primary record of their development activities.

Those who access Illumeo via company subscriptions can, should they ever part ways with their company, contact us via phone or email to request a change to their account access email. In this way you can maintain access to your learning history and records. Note that you will not be able to access additional courses unless you purchase a subscription yourself or though a new employer, but your learning and continuing education credit (e.g. CPE, CE, or RCH) history will remain accessible to you and your company will have no visibility to that history once it has been transferred to a new email. You will be required to positively identify yourself in order for us to transfer your account to a new email address.

2.2 Data We Collect through Automated Means

When you access the Services (including browsing courses), we collect certain data by automated means, including:

System Data	Technical data about your computer or device, like your IP address, device type, operating system type and version, unique device identifiers, browser, browser language, domain and other systems data, and platform types (“System Data”).
Usage Data	Usage statistics about your interactions with the Services, including courses accessed, time spent on pages or the Service, pages visited, features used, your search queries, click data, date and time, and other data regarding your use of the Services (“Usage Data”).
Approximate Geographic Data	An approximate geographic location, including information like country, city, and geographic coordinates, calculated based on your IP address.

The data listed above is collected through the use of server log files and tracking technologies, as detailed in the “Cookies and Data Collection Tools” section below. It is stored by us and associated with your account.

3. How We Get Data About You

We use tools like cookies, web beacons, analytics services, and advertising providers to gather the data listed above. Some of these tools offer you the ability to opt out of data collection.

3.1 Cookies and Data Collection Tools

As detailed in our Cookie Policy, Illumeo and service providers acting on our behalf (like Google Analytics and third party advertisers) use server log files and automated data collection tools like cookies, tags, scripts, customized links, and web beacons (together, “Data Collection Tools”) when you access and use the Services. These Data Collection Tools automatically track and collect certain System Data and Usage Data (as detailed in Section 1) when you use the Services. In some cases, we tie data gathered through those Data Collection Tools to other data that we collect as described in this Privacy Policy.

We use cookies (small files that websites send to your device to uniquely identify your browser or device or to store data in your browser) for things like analyzing your use of the Services, personalizing your experience, making it easier to log into the Services, and recognizing you when you return. We use web beacons (small objects that allow us to measure the actions of visitors and users using the Services) for things like identifying whether a page was visited, identifying whether an email was opened, and advertising more efficiently by excluding current users from certain promotional messages or identifying the source of a new mobile download.

Illumeo uses the following types of cookies:

Preferences: cookies that remember data about your browser and preferred settings that affect the appearance and behavior of the Services (like your preferred language) and your login credentials.
Security: cookies used to enable you to log in and access the Services; protect against fraudulent logins; and help detect and prevent abuse or unauthorized use of your account.
Functional: cookies that store functional settings (like your preferred certification information).
Session State: cookies that track your interactions with the Services to help us improve the Services and your browsing experience, remember your login details, and enable processing of your course purchases. These are strictly necessary for the Services to work properly, so if you disable them then certain functionalities will break or be unavailable.

You can set your web browser to alert you about attempts to place cookies on your computer, limit the types of cookies you allow, or refuse cookies altogether. If you do, you may not be able to use some or all features of the Services, and your experience may be different or less functional.

Some of the third-party partners who provide certain features on our site may also use Local Storage Objects (also known as flash cookies or LSOs) to collect and store data.

3.2 Analytics

We use third-party browser and mobile analytics services like Google Analytics and Facebook on the Services. These services provide Data Collection Tools to help us analyze your use of the Services, including information like the third-party website you arrive from, how often you visit, events within the Services, usage and performance data, and where the application was accessed from. We use this data to improve the Services, better understand how the Services perform on different devices, and provide information that may be of interest to you.

3.3 Online Advertising

We use third-party advertising services like Facebook, Google’s ad services, and other ad networks and ad servers to deliver advertising about our Services on other websites and applications you use. The ads may be based on things we know about you, like your Usage Data and System Data (as detailed above), and things that these ad service providers know about you based on their tracking data. The ads can be based on your recent activity or activity over time and across other sites and services, and may be tailored to your interests.

Depending on the types of advertising services we use, they may place cookies or other tracking technologies on your computer, phone, or other device to collect data about your use of our Services, and may access those tracking technologies in order to serve these tailored advertisements to you. To help deliver tailored advertising, we may provide these service providers with a hashed, anonymized version of your email address (in a non-human-readable form) and content that you share publicly on the Services.

When using mobile applications you may also receive tailored in-app advertisements. Apple iOS, Android OS, and Microsoft Windows each provide their own instructions on how to control in-app tailored advertising. For other devices and operating systems, you should review your privacy settings or contact your platform operator.

4. What We Use Your Data For

We use your data to do things like provide our Services, communicate with you, troubleshoot issues, secure against fraud and abuse, improve and update our Services, analyze how people use our Services, serve personalized advertising (for non-corporate clients only), and as required by law.

We use the data we collect through your use of the Services to:

Provide and administer the Services, including to display customized content and facilitate communication with other users;
Process your requests and orders for courses, products, specific services, information, or features;
Communicate with you about your account by:
- Responding to your questions and concerns;
- Sending you administrative messages and information, including messages from instructors and teaching assistants, notifications about changes to our Service, and updates to our agreements;
- Sending you information and in-app messages about your progress in courses, rewards programs, new services, new features, promotions, newsletters, and other available courses (which you can opt out of at any time);
Manage your account preferences;
Facilitate the Services’ technical functioning, including troubleshooting and resolving issues, securing the Services, and preventing fraud and abuse;
Solicit feedback from users;
Market and administer surveys and promotions administered or sponsored by Illumeo;
Learn more about you by linking your data with additional data through third-party data providers or analyzing the data with the help of analytics service providers (for non-corporate clients only);
Identify unique users across devices;
Improve our Services and develop new products, services, and features;
Analyze trends and traffic, track purchases, and track usage data;
Advertise the Services on our and third-party websites and applications (for non-corporate clients only);
As required or permitted by law; or
As we, in our sole discretion, otherwise determine to be necessary to ensure the safety or integrity of our users, employees, third parties, the public, or our Services.

5. Who We Share Your Data With

We share certain data about you with instructors, other employees at your company for reporting and management purposes but only if your company provides you your subscription access to the Services, companies performing services for us, our business partners, analytics and data enrichment providers, social media providers (for non-corporate clients only), companies helping us run promotions and surveys, and advertising companies who help us promote our Services (for non-corporate clients only). We may also share your data as needed for security, legal compliance, or as part of a corporate restructuring. Lastly, we can share data in other ways if it is aggregated or de-identified or if we get your consent.

We may share your data with third parties under the following circumstances or as otherwise described in this Privacy Policy:

With Your Instructors: We share data that we have about you with instructors for courses you enroll in or request information about, so they can respond directly or improve their courses for you and other students. We will not share your email address with instructors unless it is necessary to facilitate requested direct response to you about a course.
With Your Company If You Are A Corporate Subscriber: Many Illumeo users access Illumeo via a subscription provided by their company. In this case, your company will have visibility to multiple data elements including your name, title, user profile data, your Illumeo Development Plan, activity history including what courses you took and when, test scores and test attempts, "managed" (assigned by your manager - not personal) Competency Assessments, and more. Basically, if it's on this site and related to you, your manager and any assigned company administrators can see it.
With Other Users and Instructors: Your shared content and profile data may be publicly viewable, including to other users and instructors in certain circumstances. For instance, if you ask a question to an instructor, your information (including your name, title, and company name) will be publicly viewable by other users unless you set your question 'ID' to "Anonymous".
With Service Providers, Contractors, and Agents: We share your data with third-party companies who perform services on our behalf, like payment processing, data analysis, marketing and advertising services (including retargeted advertising (for non-corporate clients only)), email and hosting services, and customer services and support. These service providers may access your personal data and are required to use it solely as we direct, to provide our requested service.
With Business Partners: We have agreements with other websites and platforms to distribute our Services and drive traffic to Illumeo. Depending on your location, we may share your data with these partners.
With Analytics and Data Enrichment Services: As part of our use of third-party analytics tools like Google Analytics and data enrichment services, we share certain contact information, Account Data, System Data, Usage Data (as detailed in Section 1), aggregated data, or de-identified data as needed. De-identified data means data where we’ve removed things like your name and email address and replaced it with a token ID. This allows these providers to provide analytics services or match your data with publicly-available database information (including contact and social information from other sources). We do this to communicate with you in a more effective and customized manner.
To Power Social Media Features: The social media features in the Services (like the Facebook Like button) may allow the third-party social media provider to collect things like your IP address and which page of the Services you’re visiting, and to set a cookie to enable the feature. Your interactions with these features are governed by the third-party company’s privacy policy.
To Administer Promotions and Surveys: we may share your data as necessary to administer, market, or sponsor promotions and surveys you choose to participate in, as required by applicable law (like to provide a winners list or make required filings), or in accordance with the rules of the promotion or survey.

For Security and Legal Compliance: We may disclose your data to third parties if we (in our sole discretion) have a good faith belief that the disclosure is:
- Permitted or required by law;
- Requested as part of a judicial, governmental, or legal inquiry, order, or proceeding;
- Reasonably necessary as part of a valid subpoena, warrant, or other legally-valid request;
- Reasonably necessary to enforce our Terms of Use, Privacy Policy, and other legal agreements;
- Required to detect, prevent, or address fraud, abuse, misuse, potential violations of law (or rule or regulation), or security or technical issues; or
- Reasonably necessary in our discretion to protect against imminent harm to the rights, property, or safety of Illumeo, our users, employees, members of the public, or our Services.
- We may also disclose data about you to our auditors and legal advisors in order to assess our disclosure obligations and rights under this Privacy Policy.
During a Change in Control: If Illumeo undergoes a business transaction like a merger, acquisition, corporate divestiture, or dissolution (including bankruptcy), or a sale of all or some of its assets, we may share, disclose, or transfer all of your data to the successor organization during such transition or in contemplation of a transition (including during due diligence).
After Aggregation/De-identification: we can disclose or use aggregate or de-identified data for any purpose.
With Your Permission: with your consent, we may share data to third parties outside the scope of this Privacy Policy.

6. Security

We use appropriate security based on the type and sensitivity of data being stored. As with any internet-enabled system, there is always a risk of unauthorized access, so it’s important to protect your password and to contact us if you suspect any unauthorized access to your account.

Illumeo takes appropriate security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal data that we collect and store. These measures vary based on the type and sensitivity of the data. Unfortunately, however, no system can be 100% secured, so we cannot guarantee that communications between you and Illumeo, the Services, or any information provided to us in connection with the data we collect through the Services will be free from unauthorized access by third parties. Your password is an important part of our security system, and it is your responsibility to protect it. You should not share your password with any third party, and if you believe your password or account has been compromised, you should change it immediately and contact support@Illumeo.com with any concerns.

7. Your Rights

You have certain rights around the use of your data, including the ability to opt out of promotional emails, cookies, and collection of your data by certain analytics providers. You can update or terminate your account from within our Services, and you can also contact us for individual rights requests about your personal data.

7.1 Your Choices About the Use of Your Data

You can choose not to provide certain data to us, but you may not be able to use certain features of the Services.

To stop receiving promotional communications from us, you can opt out by using the unsubscribe mechanism in the promotional communication you receive or by changing the email preferences on your account (In the upper-right select "My Info", then at the top select "Settings"). Note that regardless of your email preference settings, we will send you transactional and relationship messages regarding the Services, including administrative confirmations, order confirmations, important updates about the Services, and notices about our policies.
The browser or device you use may allow you to control cookies and other types of local data storage. Your wireless device may also allow you to control whether location or other data is collected and shared.

If you have any questions about your data, our use of it, or your rights, contact us at privacy@Illumeo.com.

7.2 Accessing, Updating, and Deleting Your Personal Data

You can access and update your personal data that Illumeo collects and maintains as follows:

To update data you provide directly, log into your account and update your account at any time.
To terminate your account:
- If you are a user, visit your profile settings page and at the bottom-right click on the delete link.
- If you have any questions about terminating your account, email us at support@Illumeo.com or visit our FAQs.
- Please note: even after your account is terminated, some or all of your data may still be visible to others, including without limitation any data that has been (a) copied, stored, or disseminated by other users (including ‘in course’ comments or reviews); (b) shared or disseminated by you or others (including in your shared content); or (c) posted to a third-party platform. Even after your account is terminated, we retain your data for as long as we have a legitimate purpose to do so (and in accordance with applicable law), including to assist with continuing education credit management, legal obligations, resolving disputes, and enforcing our agreements. We may retain and disclose such data pursuant to this Privacy Policy after your account has been terminated.
To request to access, correct, or delete your personal data, email privacy@Illumeo.com or write to us at Illumeo, Inc., 75 E Santa Clara St., STE 1215, San Jose, CA 95113. Please allow up to 30 days for a response. For your protection, we may require that the request be sent through the email address associated with your account, and we may need to verify your identity before implementing your request. Please note that we retain certain data where we have a lawful basis to do so, including for mandatory record-keeping and to complete transactions.

8. Jurisdiction-Specific Rules

If you live in California, you have certain rights to request information. Users outside of the United States should note that we transfer data to the US and other areas outside of the European Economic Area.

8.1 Users in California

If you are a California resident, you have the right to request certain details about what personal information we share with third parties for those third parties’ direct marketing purposes. To submit your request, send an email to privacy@Illumeo.com with the phrase “California Shine the Light” and include your mailing address, state of residence, and email address.

Since the internet industry is still working on Do Not Track standards, solutions, and implementations, we do not currently recognize or respond to browser-initiated Do Not Track signals.

8.2 Users Outside of the U.S.

Illumeo, Inc. is headquartered in California, and in order to provide the Services to you we must transfer your data to the United States and process it there. By visiting or using our Services, you consent to storage of your data on servers located in the United States. If you are using the Services from outside the United States, you consent to the transfer, storage, and processing of your data in and to the United States or other countries. Specifically, personal data collected in Switzerland and the European Economic Area (“EEA”) is transferred and stored outside those areas.

That data is also processed outside of Switzerland and the EEA by Illumeo, or our service providers, including to process transactions, facilitate payments, and provide support services as described above. We have entered into data processing agreements with our service providers that restrict and regulate their processing of your data on our behalf. By submitting your data or using our Services, you consent to this transfer, storage, and processing by Illumeo and its processors.

9. Updates & Contact Info

When we make a material change to this policy, we’ll notify users via email, in-product notice, or another mechanism required by law. Changes become effective the day they’re posted. Please contact us via email or postal mail with any questions, concerns, or disputes.

9.1 Modifications to This Privacy Policy

From time to time, we may update this Privacy Policy. If we make any material change to it, we will notify you via email, through a notification posted on the Services, or as required by applicable law. Unless stated otherwise, modifications will become effective on the day they are posted.

As permitted by applicable law, if you continue to use the Services after the effective date of any change, then your access and/or use will be deemed an acceptance of (and agreement to follow and be bound by) the revised Privacy Policy. The revised Privacy Policy supersedes all previous Privacy Policies.

9.2 Questions

If you have any questions, concerns, or disputes regarding our Privacy Policy, please feel free to contact our privacy team at privacy@Illumeo.com. You can also send postal mail to us at Illumeo Inc., 75 E Santa Clara St., STE 1215, San Jose, CA 95113.

10. Cookie Policy

This Cookie Policy was last updated on May 25, 2018

What are cookies?

Cookies are small text files stored by your browser as you browse the internet. They can be used to collect, store, and share data about your activities across websites, including on Illumeo. Cookies also allow us to remember things about your visits to Illumeo, like your preferred language, and to make the site easier to use.

We use both session cookies, which expire after a short time or when you close your browser, and persistent cookies, which remain stored in your browser for a set period of time. We use session cookies to identify you during a single browsing session, like when you log into Illumeo. We use persistent cookies where we need to identify you over a longer period, like to keep you signed in.

Why does Illumeo use cookies and similar technologies?

We use cookies and similar technologies like web beacons, pixel tags, or local shared objects (“flash cookies”), to deliver, measure, and improve our services in various ways. We use these cookies both when you visit our site and Services through a browser and through our mobile app. As we adopt additional technologies, we may also gather additional data through other methods.

We use cookies for the following purposes:

Authentication and security

To log you into Illumeo
To protect your security
To help detect and fight spam, abuse, and other activities that violate Illumeo’s agreements

For example, cookies help authenticate your access to Illumeo and prevent unauthorized parties from accessing your accounts.

Preferences

To remember data about your browser and your preferences
To remember your settings and other choices you’ve made

For example, cookies help us remember your preferred language or the country you’re in, so we can provide content in your preferred language without asking each time you visit.

Analytics and research

To help us understand how people use Illumeo and to improve the Services

For example, cookies help us test different versions of Illumeo to see which features or content users prefer, web beacons help us determine which email messages are opened, and cookies help us see how you interact with Illumeo, like the links you click on.

We also work with a number of analytics partners, including Google Analytics, who use cookies and similar technologies to help us analyze how users use the Services, including by noting the sites from which you arrive. Those service providers may either collect that data themselves or we may disclose it to them.

You can opt out of some of these services through tools like the Google Analytics Opt-out Browser Add-on.

Personalized content

To customize Illumeo with more relevant content

For example, cookies help us show a personalized list of recommended courses on the homepage.

Advertising

To provide you with more relevant advertising

To learn more about targeting and advertising cookies and how you can opt out, visit www.allaboutcookies.org/manage-cookies/index.html, or if you’re located in the European Union, visit the Your Online Choices site.

Please note that where advertising technology is integrated into the Services, you may still receive advertising on other websites and applications, but it will not be tailored to your interests.

When using mobile applications you may also receive tailored in-app advertisements. Apple iOS, Android OS, and Microsoft Windows each provide its own instructions on how to control in-app tailored advertising. For other devices and operating systems, you should review your privacy settings or contact your platform operator.

What are my privacy options?

You have a number of options to control or limit how we and our partners use cookies:

Most browsers automatically accept cookies, but you can change your browser settings to decline cookies by consulting your browser’s support articles. If you decide to decline cookies, please note that you may not be able to sign in, customize, or use some interactive features in the Services.
To get information and control cookies used for tailored advertising from participating companies, see the consumer opt-out pages for the Network Advertising Initiative and Digital Advertising Alliance, or if you’re located in the European Union, visit the Your Online Choices site. To opt out of Google Analytics’ display advertising or customize Google Display Network ads, visit the Google Ads Settings page.
For general information about targeting cookies and how to disable them, visit www.allaboutcookies.org.

Updates & Contact Info

From time to time, we may update this Cookie Policy. If we do, we’ll notify you by posting the policy on our site with a new effective date. If we make any material changes, we’ll take reasonable steps to notify you in advance of the planned change.

If you have any questions about our use of cookies, please email us at privacy@Illumeo.com.

Copyright Policy

Each User grants Illumeo a license to use the content supplied by each such User for the purposes of disclosure on the Illumeo website.

This license includes, inter alia, the right for Illumeo to reproduce, represent, adapt, translate, digitize, use for advertising purposes, whether commercial or non-commercial, to sublicense or to transfer the content concerning each User (including information, pictures, descriptions, search criteria, etc.) over all or part of the Services and/or in any mailings of Illumeo and in general through any electronic communication media (email, SMS, MMS, WAP, Internet, CD Rom or DVD).

Each User expressly authorizes Illumeo to modify said content in order to conform to the interface or display requirements of the Services or of other communications media as set forth above, and/or to render them compatible with its technical performance or media format in question. These rights are granted throughout the world and for the entire term of this Agreement. The User is prohibited from copying, reproducing or otherwise using the content relating to other Users of Illumeo for any purpose other than for those purposes strictly related to use of the Illumeo services for personal purposes.

Pursuant to the Digital Millennium Copyright Act, 17 U.S.C. sec. 512, Illumeo, Inc. has designated an agent to receive notices of claimed copyright infringement. If you believe in good faith that your work has been copied in a way that constitutes copyright infringement, please provide Illumeo, Inc.'s Copyright Agent the following information:

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
A description of the copyrighted work that you claim has been infringed;
A description of where the material that you claim is infringing is located on the Site;
Your address, telephone number, and e-mail address;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Illumeo, Inc.'s Copyright Agent for Notice of claims of copyright infringement can be reached as follows: by e-mail at abuse@illumeo.com or by mail at:

Illumeo, Inc.

ATTN: Copyright Agent

99 Almaden Blvd. Suite 975, San Jose, CA, 95113, USA

Upon receipt of the written notification containing the information as outlined in 1 through 6 above:

Illumeo, Inc. may remove or disable access to the material that is alleged to be infringing;
Illumeo, Inc. may forward the written notification to such alleged infringer; and
Illumeo, Inc. may take reasonable steps to promptly notify the alleged infringer that it has removed or disabled access to the material.

Counter-Notification:

To be effective, a Counter-Notification must be a written communication provided to the Illumeo, Inc.'s Copyright Agent for Notice that includes the following information:

A physical or electronic signature of the alleged infringer;
Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
A statement under penalty of perjury that the alleged infringer has a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
The alleged infringer's name, address, and telephone number, and a statement that the alleged infringer consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the alleged infringer's address is outside of the United States, for any judicial district in which Illumeo, Inc. may be found, and that the alleged infringer will accept service of process from the person who provided notification or an agent of such person.

Upon receipt of a Counter-Notification containing the information as outlined in 1 through 4 above:

Illumeo, Inc. may promptly provide you with a copy of the Counter-Notification;
Illumeo, Inc. may inform you that it will replace the removed material or cease disabling access to it within ten (10) business days; and
Illumeo, Inc. may replace the removed material or cease disabling access to the material within ten (10) to fourteen (14) business days following receipt of the Counter-Notification, provided Illumeo, Inc.'s Copyright Agent for Notice has not received notice from you that an action has been filed seeking a court order to restrain Subscriber from engaging in infringing activity relating to the material on Illumeo, Inc.'s network or system.

You may want to seek the advice of independent legal counsel before filing a notification or counter-notification.

Notice and Procedure for Making Complaints Regarding Content

Your name, address, telephone number, and e-mail address;
A description of the Specified Content that your claim either infringes your rights or is otherwise unlawful, specifying which parts of it you believe infringe your rights, or are unlawful, and which parts you believe should be removed;
A description of the exact location of the Specified Content on the Web Site;
(In the event you believe that the Specified Content infringes your rights): A statement specifying in detail the rights you assert, and why the Specified Content infringes them;
(In the event you believe that the Specified Content is otherwise unlawful): A statement specifying in detail which laws you believe are being breached, and why the Specified Content does so;
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are damaged by the Specified Content or authorized to act on such person's behalf; and
Your electronic or physical signature (as appropriate).

You may want to seek the advice of independent legal counsel before filing a notice or responding to a notice filed by someone else.

Illumeo, Inc. Content Complaint Manager

Contact information for Illumeo, Inc.'s Content Complaint Manager is as follows:

E-Mail: abuse@illumeo.com
Fax: 650.687.0505
Mail:
Illumeo, Inc.
ATTN: General Counsel
99 Almaden Blvd. Suite 975, San Jose, CA, 95113, USA

Illumeo AI Search Legal Disclaimer:

Introduction:

The following legal disclaimer ("Disclaimer") applies to the use of the Chat GPT-powered accounting bot and AI Development Plan Builder provided by Illumeo, Inc.. By using Illumeo AI tools, you agree to comply with this Disclaimer. Please read this Disclaimer carefully before using the tools.

General Information:

1. Illumeo’s AI Search Bot is an AI-powered virtual assistant designed to provide general accounting information and guidance. It is not intended to replace professional accounting advice. The information provided by the Bot is for informational purposes only and should not be considered as a substitute for personalized advice from a qualified accountant or financial professional.
2. The Illumeo AI Development Plan tool is an AI-powered course recommendation engine which helps users select CPE courses. It asks users information about their study interests, job titles, CPA State and number of CPE hours needed to develop a recommended study plan using Chat GPT’s AI engine. All recommendations made by the AI Development Plan tool are not endorsed by Illumeo team. Usage of Illumeo’s AI Development plan is entirely at the User’s discretion.

All questions you ask will be shared with OpenAI.

OpenAI will not utilize user probe data to train its bot but shall retain the data for a maximum of 30 days for abuse and misuse monitoring. Please see OpenAI’s API Data usage policy.

No Professional Relationship:

Using Illumeo AI tools does not create an accountant-client or financial advisor-client relationship between you and Illumeo, Inc.. The information provided by the Bot does not constitute professional accounting advice, and you should not rely solely on the Bot for making financial decisions. Always consult with a qualified professional before making any financial or accounting decisions.

Accuracy and Completeness:

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy or completeness of the information provided by the AI tools. Accounting regulations and practices may vary by jurisdiction, and the AI tools may not account for specific laws, regulations, or individual circumstances. We recommend verifying the information provided by the Bot with a qualified accountant or financial professional.

User Responsibilities:

You are solely responsible for the use of the AI tools and any actions or decisions based on the information provided by the Bot and AI Development Plan. You understand and acknowledge that Illumeo, Inc. is not liable for any loss, damage, or inconvenience arising from the use or reliance on the Bot or its content.

Third-Party Links and Content:

The Bot may provide links to third-party websites or resources. These links are provided for convenience and informational purposes only. Illumeo, Inc. does not endorse or have control over the content, accuracy, or reliability of these third-party websites or resources. You acknowledge and agree that Illumeo, Inc. is not responsible for any loss or damage resulting from the use of these third-party websites or resources.

No Warranty or Liability:

The Bot is provided on an "as-is" basis without any warranties, express or implied. Illumeo, Inc. disclaims all liability for any errors, inaccuracies, or omissions in the Bot or its content. Illumeo, Inc. will not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of the Bot or its content.

Changes to the Bot and Disclaimer:

Illumeo, Inc. reserves the right to modify, suspend, or discontinue all or any of its AI tools at any time without prior notice. We also reserve the right to update or modify this Disclaimer as needed. It is your responsibility to review this Disclaimer periodically for any changes.

Governing Law and Jurisdiction:

This Disclaimer shall be governed by and construed in accordance with the laws of the State of Delaware, USA. Any legal actions arising out of or in connection with this Disclaimer shall be brought in the courts of the State of Delaware, USA.

By using Illumeo AI tools, you agree to the terms and conditions outlined in this Disclaimer. If you do not agree with any part of this Disclaimer, please refrain from using the Bot.

If you have any questions or concerns regarding this Disclaimer, please contact us at legal@illumeo.com.

Illumeo Disclaimer

The information contained herein is for informational purposes only and is not legal, tax, financial nor other professional advice or counsel. The information may or may not reflect the most current legal, tax, financial, professional or other developments and, accordingly, it is not promised or guaranteed to be correct or complete. Additionally, as laws vary from state to state and are constantly changing, only a lawyer or other certified professional can provide users with specific advice to rely on. Illlumeo is a publisher of general information and not professional advice; Illlumeo is not a law firm, accounting firm, financial advisor or other professional organization with expertise to provide specific advice on a particular topic. Illlumeo is not a substitute for an attorney's, accountant's or similar professional's advice. If you desire or require professional advice, please consult a qualified provider who is licensed in your state. Illlumeo and its users (including users who provide content that is available on the website) expressly disclaim all liability in respect to actions taken or not taken based on any of the contents of this website. You agree that under no circumstances will Illlumeo, its affiliates, or any professional listed on the website (including but not limited to any webinar speakers, course instructors, or blog writers on the site) be responsible for (1) any information contained on or omitted from the website(s), (2) any person's reliance on any such information, whether or not the information is correct, current or complete, (3) the consequences of any action you or any other person takes or fails to take, whether or not based on information provided by or as a result of the use of the site, (4) any person's satisfaction with any professional, whether relating to that professional's competence, diligence, or otherwise, (5) the results of any advice given by or representation from any professional, or (6) the delay, failure or refusal of any professional to respond or consult to you.

You agree that you understand that the professionals who participate in the Service are not affiliated with, employed by or agents of Illumeo. Although Illumeo may require Members, speakers and instructors to provide basic information about themselves to Illumeo (for example, information about the jurisdictions in which they are licensed and information about areas in which they practice and consider themselves competent and knowledgeable), and although Illumeo does rely upon and pass on this information to Users for their use, Illumeo does not separately verify this information and makes no representations as to the qualifications of any Members, speakers and instructors . You are encouraged to investigate or perform your own due diligence concerning Members, speakers and instructors and their qualifications. No listing of any Members, speakers and instructors on this website, and no information of any kind or answers provided by any Members, speakers and instructors , constitutes an endorsement, recommendation or referral of any Members, speakers and instructors . Some Professional Members will receive compensation or must make payments to Illumeo in order to become a Members, speakers and instructors of Illumeo or in order to answer any questions by Users on Illumeo's website.

However, if a professional-to-client relationship does arise through any Services, the scope and duration of any professional-to-client relationship or representation between the Professional Member and client arising through an exchange of communication via the Services is limited by the subject matter and nature of the exchange. The scope of this limited professional-to-client relationship or representation extends only to the substance of the submitted question. The Professional Member is under no duty to further investigate, follow-up, review, pursue, take further action, or to continue to represent the client. The duration of such professional-to-client relationship or representation is presumed to end as soon as the responding Member provides the last answer or follow-up communication in the exchange. You acknowledge and understand that in limited circumstances, Illumeo may be required or permitted by law to disclose such communications. Furthermore, Illumeo shall have the perpetual, irrevocable, non-exclusive right to use, reproduce, modify, edit, translate, publish, perform, display, post, transmit and distribute your questions, comments, and/or the corresponding answers without compensation to you, for internal or external purposes, alone or as part of other works in any form, media, or technology, whether now known or hereafter developed and to sublicense such rights. Unless you affirmatively elect not to disclose your identity when you submit content through the Service, Illumeo will publicly disclose your identity with your questions or comments.

To the maximum extent permitted by applicable law, you hereby release, and waive all claims against Illumeo and its employees and agents from any and all liability for claims, damages (actual and consequential), costs and expenses (including litigation costs and attorneys' fees) of every kind and nature, arising out of or in any way connected with use of the Illumeo websites and services. If you are a California resident, you waive your rights, whether known or unknown, under California Civil Code § 1542, which states, "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor." Residents of other states and nations similarly waive their rights under applicable and/or analogous laws, statutes, or regulations.

For more information please see the Illumeo User Agreement.

Event Registration Policy

In exchange for underwriting the program planned for this Event, Illumeo would like to know something about you. By registering for the Event, you agree that Illumeo may use this information to tell you about Illumeo products and services via email or other direct and indirect means. If you are not already a member of Illumeo, this will also register you as a member and you will need to agree to our User Agreement.

If you do not agree to the foregoing, please do not register for the Event.

Illumeo Member Refund PolicyTERMS AND CONDITIONS

Illumeo Satisfaction Guarantee and Refunds

Illumeo wants its Subscribers, Certification Program and Course Collection buyers (the "Buyer(s)"), whether individual users or corporate licensors, to be completely satisfied with their experience with Illumeo. Thus, Illumeo will provide a refund to any Buyer who is not satisfied with the product or service they have purchased, on condition that they provide a valid and reasonable explanation for their dissatisfaction. Requests for refunds must be made within thirty (30) days of the date of purchase.

If professional credit(s) (such as CPE) was earned for courses taken or webinars attended prior to the refund request, the professional credit(s) will be rescinded when the purchase is refunded and we will notify the appropriate governing body(ies) of the rescission. If the Buyer has enrolled in five (5) or more courses or webinars during the first thirty (30) days of purchasing, based on Illumeo's internal records, the Buyer will not be eligible for a refund.

Refund Timing

Qualifying refunds will be processed within seven (7) business days of request of refund. If the original payment was not made by credit card (e.g. made by check or wire), the refund may take more than seven days to process. A requester will be notified as quickly as commercially practicable if his or her request for refund does not qualify or fall under Illumeo's refund policy.

Auto-Renewal of Subscriptions

Illumeo Individual and Team subscriptions are automatically renewed at the end of the subscription term unless: (1) you cancel your subscription during the Subscription period; or (2) you request a cancellation within thirty (30) days after your renewal payment has been processed. Instructions for requesting a cancellation can be found in our FAQ.

Inquiries

For more information regarding administrative policies such as refund requests, cancellations, complaints or the like, please email us at info@illumeo.com or call us directly at 408-400-3993.

Policy Updates

This refund policy may change from time to time. All changes to the policy will be posted to the website and are effective as of posting.

Request a Refund

Click on this link to go to the refund form.

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