At Abtteen.com ("ABT Teen" or the "Site"), a service of The Cramer Institute ("TCI") and The Concept Farm (“TCF”) we take your privacy seriously. This privacy policy applies to all of the products, services and websites offered by TCI/TCF.  

Please note that this Privacy Policy is not a binding contract and does not create any legal rights. It is made available to you so that you can make an informed decision about using TCI'/TCF’s Site after considering the steps TCI/TCF takes to protect your private personal information. 

Information we collect and how we use it  

Some parts of TCI/TCF services do not require you to register for an account or provide any personal information to us. To use some other parts of the TCI/TCF services, you have to sign up and create an account with us during which you need to provide us personal information.  

When you sign up for an Abtteen.com account, we ask you for personal information (such as your name, email address, age and password for the account). Even for the parts of Abtteen.com services that do not require you to sign-in, we may ask you for personal information during the use of the service.  

When you use Abtteen.com, we collect information regarding your browser and IP address. We also store certain information on your computer through your browser using "cookies". A cookie is a piece of data stored on the user's computer tied to the information about the user. We use session ID cookies to confirm that users are logged in. These cookies terminate once the user closes the browser. If you set up your browser to refuse cookies, some Service features may not function properly.  

We collect the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages users of our web site access or visit, and information volunteered by the user (such as registrations). We collect and retain information regarding your activities on the website such as searches, queries, applications used or selected, messages sent and profile changes. The information we collect is used to improve the content and quality of our Service. This information is not shared with or sold to other organizations for commercial purposes, except to provide products or services you've requested, when we have your permission, or under the following circumstances:  

    * In order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Terms of Service, or as otherwise required by law.  

You post content on the Site at your own risk. Where practical, we allow you to set privacy options that limit access to your content. However, please be aware that no security measures are perfect or impenetrable. We cannot and do not guarantee that user content you post on the Site will not be viewed by unauthorized persons.  

We are not responsible if anybody is able to circumvent any privacy settings or security measures contained on the Site. You understand and acknowledge that, even after removal, copies of user content may remain viewable in cached and archived pages or if other Users have copied or stored your user content.  

Any improper collection or misuse of information provided on Abtteen.com is a violation of the TCI/TCF Terms of Service and should be reported to tcimailbag@cramerinstitute.   

By using Abtteen.com, you are consenting to have your personal data transferred to and processed in the United States. 

Sharing Your Information with Third Parties  

TCI/TCF provides the means of and encourages sharing information with others while providing you with privacy settings that restrict other users from accessing your information. Your privacy settings allow you to make informed choices about who has access to your information.  

We may provide information to service providers to help us bring you the services we offer. Specifically, we may use third parties to facilitate our business, such as to host the service at a co-location facility for servers, to send out email updates about Abtteen.com, to remove repetitive information from our user lists, to process payments for products or services or to provide search results or links (including sponsored links). In connection with these offerings and business operations, our service providers may have access to your personal information for use for a limited time in connection with these business activities. Where we utilize third parties for the processing of any personal information, we implement reasonable contractual and technical protections limiting the use of that information to the purposes specified by TCI/TCF.  

We may offer services jointly with other companies on Abtteen.com. You can tell when another company is involved in any service provided on Abtteen.com, and we may share customer information with that company in connection with your use of that service.  

Abtteen.com may contain links to other websites. We are not responsible for the privacy practices of other web sites. When you click on these links, you may leave our site and be taken to another site. We encourage you to read the privacy statements of each and every web site to which you may be taken that collects personally identifiable information. The Privacy Policy in this document applies solely to information collected by TCI/TCF on Abtteen.com. 

Third Party Advertising  

Advertisements that appear on Abtteen.com are sometimes delivered directly to users by third party advertisers. These third party advertisers receive your IP address and may also download cookies to your computer or use other technologies to measure the effectiveness of their ads and to personalize advertising content. In this process, they may compile information about where individuals using your computer see or click their advertisements. Abtteen.com does not have control of these third party cookies. Third party advertisers have no access to your contact information stored on Abtteen.com unless you choose to share it with them. 

Children's Privacy  

TCI/TCF is committed to providing special protection for the privacy of children who may visit our Site. TCI/TCF is also committed to complying with the Children's Online Privacy Protection Act ("COPPA"). Our protections for the privacy of children in compliance with COPPA include the following:  

We may collect and use an email address from a child under the age of 13 solely to respond to a child's specific email question and/or request. Such e-mail address will be deleted from our records once the email response is sent. We do not otherwise collect, use or retain any personal information, for any purpose whatsoever (including internal or external marketing or promotional purposes), from visitors to this Site who are under the age of 13. 

Terms of Use, Notices and Revisions  

We reserve the right to change our Privacy Policy and our Terms of Service at any time. We will notify you about significant changes by sending a notice to the email address associated with your account or by placing a notice on our site. Continued use of the Service after any such changes shall constitute your consent to such changes. 

Contacting the Web Site  

If you have any questions about this privacy policy, please contact us at tcimailbag@cramerinstitute. You may also contact us by mail at The Cramer Institute 231 S. Bemiston, Suite 102, Saint Louis, Missouri 63105 USA, Telephone 314.725.0500