PRIVACY POLICY This Privacy Policy describes our practices regarding information collected through the MostlyChampions.com web site (the “Site” or “Website”) and related MostlyChampions.com services (the Website and such services referred to collectively as "Services") as well as any information we collect offline and combine in our databases. Certain features discussed in this Privacy Policy may not be offered at any particular time. Our services are general-audience in nature and are not intended for, marketed to or available to individuals younger than the age of 18, and individuals younger than the age of 18 should not submit personal information to us. SUMMARY This summary provides an overview of some important information regarding our use and sharing of your information. We primarily use the information we collect when you use the Services in connection with your relationship with MostlyChampions.com, your use of the Services, and for sending you information from us or on behalf of certain third parties. This includes linking you to other members of the MostlyChampions.com community. It also includes providing offers to you based on information you provide or we collect or your use of the Services. Please review the “INFORMATION COLLECTION” and “HOW WE USE YOUR INFORMATION” sections of this Privacy Policy for a full description of the information we collect, including Personal Information, and how we use that information. Remember that if you create a Profile or use the Services, your information may be public. Note that we do not share your Personal Information with third parties for their marketing purposes without your consent; however, we may share your Personal Information under certain limited circumstances. For more details, please review the section below entitled “INFORMATION SHARING”. MostlyChampions.com may work with network advertisers, analytics service providers and other vendors to serve third party advertisements on and through the Services, to provide us with information regarding traffic on the Services, including the pages viewed and the actions users take when visiting the Services; and to provide us with information regarding the use of the Services and the effectiveness of our advertisements. For example, if you click on a MostlyChampions.com advertisement, our service provider(s) may be able to tell us the advertisement you clicked on and where you were viewing the advertisement. You may also see third party ads on the Services. The advertisements you see may be served by one or more third parties, who may use information about your activities on the Services, and other web sites and services, to provide you targeted advertising based upon your interests. Our ad network providers, the advertisers, ad agencies, analytics service providers and other vendors may set and access their own tracking devices (including cookies and log files and web beacons) and they may otherwise collect or have access to information about you and your visits to and activity on the Services, as well as on other web sites or online services. Some of these parties may collect Personal Information when you visit the Services or other websites and services. Please review “THIRD PARTY CONTENT, LINKS TO OTHER SITES, AND MOSTLYCHAMPIONS.COM CONTENT FOUND OUTSIDE OF THE SERVICES” for additional information. Some of the companies who serve these targeted ads participate in a self-regulatory program that allows you to opt-out of having information about you used for this purpose, and you may access that opt-out by clicking here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads while using the Services and elsewhere online. INFORMATION COLLECTION 1. Registration and Other Information You Provide The Services may collect "Personal Information" (which is information that can be used to identify or contact a specific individual, such as your name and email address), account information (such as a password or other information that helps us confirm that it is you accessing your account) and demographic or other information such as your background, state or country of residence, information about your interests and education, and historical information about questions and content. Some part of the Services may allow you to use the Services to offer your own products or services for sale. If you use the Services for such purposes or in any other manner that may necessitate payment from MostlyChampions.com to you, we may collect additional information from you, such as your Social Security Number or taxpayer identification number, as necessary to facilitate payment and to comply with related legal obligations. Any information combined with Personal Information will be treated as Personal Information. 2. Your Profile, Community Forums and User Content You may have the opportunity to create a profile, which consists of information about you, which may include Personal Information, photographs, information about your academic and work history, your interests and activities, your use of the Services and other information ("Profile"). Some of the information in your Profile may be visible to third parties or to everyone, depending on the nature of the information and the privacy settings you choose when you sign in and go to your Account on the website where you created your Profile. MostlyChampions.com may also make the information contained in your Profile accessible through means other than the MostlyChampions.com website (such as through an app or an application programming interface (API)). Your Profile may also be indexed by and displayed by internet search providers when someone searches for your name. MostlyChampions.com does not control how frequently third-party search engines update their indexes; consequently their information may be outdated and still available for a period of time even if you discontinue use of the service. Note that in order to provide services and opportunities to you, third parties may be able to review certain information in your Profile. MostlyChampions.com does not share your contact information (email, full postal address or phone number) with those third parties unless you request or agree to that sharing. However, MostlyChampions.com may send you information and offers from third parties and information about the Services.  The Services may provide you the opportunity to participate and post content publicly in forums, through interactive features and through other communication functionality ("Community Forums"). You may choose, through such features or otherwise, to submit or post questions, predictions, reviews, problems, suggestions, ideas, solutions, questions, answers, comments, testimonials, feedback, messages, images, videos, text or other material ("User Content"). Your User Content may also be posted in your Profile. Please think carefully about what you post and before including Personal Information in your User Content. You may edit or remove your Profile information, but you may not be able to remove content including without limitation comments, postings, predictions, or other uploaded User Content. To request removal of content you posted publicly on the Services, contact us at MostlyChampions.com. We will honor removal requests received from registered users who are minor residents of California, unless otherwise excepted by law, and where otherwise required by law. Other removal requests received, may, in our sole discretion, be honored or refused. In some cases, we may remove only your Personal Information but maintain the rest of your User Content. Note that removal of public postings does not ensure complete or comprehensive removal of the content or information posted.  Note that anything you post on MostlyChampions.com may be public. If you choose to voluntarily disclose Personal Information in your Profile or a Community Forum, or participate in the Site, that information will be considered public information and the protections of this Privacy Policy will not apply. In addition, the Services may allow members to communicate and collaborate with each other, including some Services that allow members to engage in one-on-one communication. If you create an account, participate in a Community Forum or choose to communicate with others through the Services, certain information about you may be disclosed in connection with your or others' use of the Services, including certain information about you and your network (such as your name and profile photo, the number of your connections, and the names and pictures of your connections). Our servers may record and we may retain records of the content of any such user-to-user communications. 3. Third Party Services, Social Media Platforms, and Information Third Parties Provide About You Third parties may provide us with information about you. For example, if you are on a third party web site, and you opt-in to receive information from us, that third party will forward information about you to us so that we may contact you as requested. The Services may permit interactions between the Services and a third party web site or service, such as enabling you to "like" a product within our Services or "share" content to other web sites. If you choose to "like" or "share" content or to otherwise post information from or via the Services to a third party web site, feature or application, that information may be publicly displayed, and the third party web site may have access to information about you and your use of our Services. Similarly, if you post information on a third party platform that references MostlyChampions.com your post may be published on our Services in accordance with terms of that third party. These features may collect your IP address or other Device Identifier, which page you are visiting on our web site, and may set a cookie to enable the third party feature to function properly. Third party features and applications are either hosted by a third party or hosted directly on our Services. Your interactions with these features are governed by the privacy policy of the company providing it. You may also choose to participate in a third party application or feature through our Services (such as logging in through Facebook Connect or otherwise linking the Services with another web site or interactive service) or on a third party web site or service (such as one of our Facebook applications or a similar application or feature on a third party web site or service) through which you allow us to collect (or the third party to share) information about you, including personal information. Information about you, including your name and profile photo, may be shown to other users of the Services if you are logged in through the Services or through a third party web site or service. The third party may allow you to remove the application or feature, in which case we will no longer collect information about you through the application or feature, but we may retain the information previously collected. When you choose to participate, you may be opting to link your activity on our Services with that third party web site or service, which may then collect information about your visits to our Services and may publish that activity as you request to your profile or similar feature with that third party (such as if you choose to share a prediction you made on MostlyChampions.com with your connections on the third party website). In some instances, we may require that you participate in the Services through a third party application or feature and, if you choose not to authorize or use the required third party application or feature, you will not be able to use the applicable Services. The information we collect is subject to this Privacy Policy. The information collected and stored by the third party remains subject to the third party's privacy practices, including whether the third party continues to share information with us, the types of information shared, and your choices with regard to what is visible to others on that third party web site and service. The third party may allow you to remove the application or feature, in which case we will no longer collect information about you through the application or feature, but we may retain the information previously collected. We also may supplement the information we collect with outside records from third parties in order to provide you with information, services or goods you have requested, to enhance our ability to serve you, to tailor our content to you and to offer you opportunities to purchase products or services that we believe may be of interest to you. We may combine the information we receive from those other sources with information we collect through the Services. In those cases, we will apply this Privacy Policy to the combined information. 4. Information MostlyChampions.com Collects Automatically When You Access The Services Like other websites and online services, we may automatically collect certain "Usage Information" whenever you access and use the Services. Usage Information may include the browser and operating system you are using, the URL or advertisement that referred you to our Services (if applicable), the search terms you entered into a search engine that lead you to our Services (if applicable), all of the areas within our Services that you visit (including information about any ads you may view), and the time of day you used the Services, among other information. We may use Usage Information for a variety of purposes, including to tell you about people or events nearby, to provide special offers, to serve advertisements, to select appropriate content to display to you, and to enhance or otherwise improve the Services and our products. In addition, we may automatically collect your IP address or other unique identifier ("Device Identifier") for any computer, mobile phone or other device (any, a "Device") you may use to access the Services. A Device Identifier is a number that is automatically assigned to your Device used to access a Services, and our servers identify your Device by its Device Identifier. Some mobile service providers may also provide us or our third party service providers with information regarding the physical location of the Device used to access a Services. Usage Information is generally non-identifying, but if we associate it with you as a specific and identifiable person, we treat it as Personal Information. Usage Information may be collected via tracking technologies including: Cookies and Log Files: MostlyChampions.com may use cookies and web log files to track usage of our Services. A cookie is a tiny data file which resides on your computer, and which allows MostlyChampions.com to recognize you as a user when you return using the same computer and web browser. If your browser settings do not allow cookies, you will not be able to use our Services as fully as intended. Log files are the record of your visits to the Services and include Usage Information. Like the information you enter at registration or in your Profile, cookie and log file data is used to customize your experience when you use the Services. Third parties may also set cookies as you interact with the Services. The use of cookies by third parties is not covered by our Privacy Policy, as we do not have access or control over these cookies. One type of cookie we use, known as a "persistent" cookie, is set once you've logged in to your account on the Services. If you do not log out of your account, then the next time you visit, the persistent cookie will allow us to recognize you as an existing user so you will not need to log in before using the Services. Of course, if you are using a public computer or sharing your private computer with others, you should log out of your account after each visit. If you log out of the Services, you will need to re-enter your password the next time you visit in order to log in to your account. You can remove persistent cookies by following directions provided in your Internet browser's "help" file. We also use a cookie which functions as a "session" cookie, meaning that it is used to identify a particular visit. Session cookies expire after a short time or when you close your web browser. Web Beacons: We, as well as affiliate program partners, service providers, and other third parties, may employ a software technology called clear gifs (a.k.a. web beacons/web bugs), that help us better manage content on our Services by informing us of what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users for our affiliate program. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. This information is used to help improve the overall quality and experience of our Services. We tie the information gathered by clear gifs to our customers' personal information. An Embedded Script is programming code that is designed to collect information about your interactions with the Services, such as the links you click on. The code is temporarily downloaded onto your computer or other device from our server or a third party service provider and is deactivated or deleted when you disconnect from the Services. In addition, we may use a variety of other technologies that collect similar information for security and fraud detection purposes. How We Respond To Do Not Track Signals Please note that your browser setting may allow you to automatically transmit a "Do Not Track" signal to websites and online service you visit. There is no consensus among industry participants as to what "Do Not Track" means in this context. Like many websites and online services, MostlyChampions.com does not alter its practices when it receives a "Do Not Track" signal from a visitor's browser. To find out more about "Do Not Track", please visit http://www.allaboutdnt.com.  HOW WE USE YOUR INFORMATION We use information about you, including Personal Information, the information you provide in your Profile, User Content, and Usage Information to: (1) allow you to participate in features we offer or to provide related customer service, including, without limitation, to respond to your questions. We may tie the information gathered by clear gifs to our customers' personal information. complaints or comments; (2) tailor content, recommendations and offers we display to you, both on the Services and elsewhere online; (3) process a transaction you initiate; (4) provide you with information, products, services, or suggestions; (5) send or display to you and others using the Services special offers or advertisements from us, our advertisers, or third-parties; (6) process your registration with our Services, including verifying your e-mail address is active and valid; (7) improve the Services and our products, and for internal business purposes, including the measurement of ad effectiveness; (8) contact you with regard to your use of the Services and, in our discretion, changes to our policies; and (9) permit other MostlyChampions.com users to contact you, and vice versa; (10) to provide you with location features and services (e.g., telling you about local deals and events); and (11) as described in the Privacy Policy and for purposes disclosed at the time you provide your information or otherwise with your consent.Please note that information submitted on the Services via a "Contact Us" or other similar function may not receive a response. We will not use the information provided via these functions to contact you for marketing purposes unrelated to your request unless you agree otherwise. INFORMATION SHARING MostlyChampions.com does not share your Personal Information with third parties for their marketing purposes without your consent. MostlyChampions.com may share non-Personal Information, such as aggregate user statistics, demographic information and Usage Information with third parties, including advertisers, content providers, and analytics providers; and third parties may collect non-Personal Information when you visit the Services. We also may share your Personal Information with third parties with your consent, as disclosed at the time you provide us with information, and as described below or otherwise in this Privacy Policy: 1. When You Request That We Share Your Information. We may offer opportunities and features through the Services that are brought to you by a third party or that otherwise involve sharing your information with a third party. If you request or agree at that time to have your information shared, your information will be disclosed to that third party (or parties) and will be subject to the privacy policy and practices of that third party. You also may request, sometimes through your use of an interactive feature, a widget or third party application, that we share information about you with a third party and we will typically do so under those circumstances. 2. Services Providers. We may share your Personal Information with third parties to provide services to us or you in connection with the Services, but subject to confidentiality obligations which limit their use and disclosure of such information.  3. Administrative, Legal Reasons & Academic Integrity Investigations. We may also disclose your information, including Personal Information, in response to a subpoena or when required by law; to defend our rights; in response to a written request from law enforcement regarding an investigation into criminal activity that may have occurred through or in any way using MostlyChampions.com's Services or property; to provide information to a claimed owner of intellectual property who claims that content you have provided to us infringes on their rights; upon request of an academic institution connected to an investigation into academic integrity; to protect and/or defend any applicable Terms of Use or other policies applicable to the Services; or to protect the personal safety, rights, property or security of any organization or individual. We may also use Device Identifiers, including IP addresses, to identify users, and may do so in cooperation with copyright owners, Internet service providers, wireless service providers or law enforcement agencies in our discretion. These disclosures may be carried out without notice to you. 4. Business Transitions.  In the event that MostlyChampions.com goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, or other corporate change, including, without limitation, during the course of any due diligence process, your information, including Personal Information, will likely be among the assets transferred. You will be notified via email and/or a prominent notice through the Services of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. This Privacy Policy will become binding upon the new owner of the information until amended. 5. Sweepstakes, Contests and Promotions. We may offer sweepstakes, contests, and other promotions ("Promotion") that may require registration. By participating in a Promotion, you are agreeing to governing terms, conditions or official rules, which may contain specific requirements of you, including allowing the sponsor(s) of the Promotion to use your name, voice, likeness or other indicia of persona in advertising or marketing associated with the Promotion. If you choose to enter a Promotion, Personal Information, such as your name and shipping address, may be disclosed to third parties or the public in connection with the administration of such Promotion, including, without limitation, in connection with winner selection, prize fulfillment, and as required by law or permitted by the Promotion's official rules, such as on a winners list. California Residents - Your CA Privacy Rights Pursuant to California Civil Code Section 1798.83, residents of the State of California have the right to request from companies conducting business in California a list of all third parties to which the company has disclosed certain categories of personal information during the preceding year for the third parties’ direct marketing purposes and the categories of personal information the company shares. Alternatively, the law provides that a company that has a privacy policy that provides consumers choice (opt-out or opt-in) regarding sharing personal information with third parties for those third parties’ direct marketing purposes may instead provide information on how to exercise that choice. MostlyChampions.com qualifies for the alternative option; it has a comprehensive privacy policy that sets forth that MostlyChampions.com provides you choice prior to sharing your personal information with third parties for their direct marketing purposes. If you do not opt-in or if you choose to opt-out at the time MostlyChampions.com offers that choice, MostlyChampions.com does not share your information with that identified third party for its direct marketing purposes. If you are a California resident and you have questions about our practices with respect to sharing information with third parties for their direct marketing purposes and your ability to exercise choice, please contact us at MostlyChampions.com. You must put the statement "Your California Privacy Rights" in your communication and must include your name, street address, city, state, and zip code. We are not responsible for notices that are not labeled or sent properly, or do not have complete information. MOBILE USE If you use the Services through a mobile device or one of our mobile applications, your mobile Device Identifier, your mobile carrier, and your physical (GPS) location may be transmitted to MostlyChampions.com. You agree that MostlyChampions.com may store and use that information for security purposes (for example, for user verification and to ensure that MostlyChampions.com's APIs are being used appropriately). You may be able to opt-in to receiving text messages from MostlyChampions.com. You may always opt-out by replying "STOP" to one of the text messages received. You also acknowledge and agree that use of the Services through a mobile device may cause data to be displayed on and through your mobile device which may be viewed by your mobile carrier or other access provider. UPDATING YOUR ACCOUNT INFORMATION You may be able to review the information you provided to us on the Services and make changes to the information, or to the settings for your account on the Services, by logging in to your account for the Services and editing or deleting the information. All changes to your email settings and preferences must be made in your account preferences page on the applicable Services. However, we reserve the right to send you information on our behalf and on behalf of third parties in connection with providing the Services. CLOSING YOUR ACCOUNT Should you ever decide to close your account, you may do so through MostlyChampions.com. If you close your account, any association between your account and information we store will no longer be accessible through your account. However, any public activity on your account prior to deletion, including, without limitation, content posted on or through the Services, such as in Community Forums, will remain stored on our servers and will remain accessible to the public until such time as we delete it, in our discretion. Even if your account is closed, information may remain in backup records and we may retain certain data if it may be necessary to prevent fraud or future abuse or for legitimate business purposes, such as analysis of aggregated, non-personally-identifiable data, account recovery or if required by law. All retained data will continue to be subject to the applicable privacy policy for the Services. THIRD PARTY CONTENT, LINKS TO OTHER SITES, AND MOSTLYCHAMPIONS.COM CONTENT FOUND OUTSIDE OF THE SERVICES Certain content provided through the Services may be hosted and served by third parties, which may include third party widgets (such as those that allow you to "like" or "share" content with third party web sites and online services. In addition, the Services may link to third party web sites or content over which MostlyChampions.com has no control and which are governed by the privacy policies and business practices of those third parties. In addition, third-party partners of MostlyChampions.com from whom your order through the Services may have different privacy policies which apply to such partner's use of your information. Please also note that MostlyChampions.com content and widgets may be included on web pages and web sites that are not associated with us and over which we have no control. These third parties may independently collect data. MostlyChampions.com is not responsible for the privacy practices or business practices of any third party. SECURITY MostlyChampions.com takes commercially reasonable security measures to protect the personal information submitted to us, both during transmission and once we receive it. For example, when you enter sensitive information such as a credit card number and CCV2 number on our checkout forms, that information is encrypted using secure socket layer (SSL) technology, to help protect the communications between you and our payment partners. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, as in any real-life scenario, we cannot guarantee its absolute security. CHANGES TO THIS PRIVACY POLICY MostlyChampions.com may make changes to this Privacy Policy from time to time, in our discretion. If we make any material changes we will post the revised Privacy Policy on the Services prior to any changes becoming effective. We may also notify you by email. You should review our Privacy Policy each time you access the use the Services. Your continued use of the Services following the posting of any changes or notice to you of the changes constitutes your agreement to such changes. MISCELLANEOUS We may display personal testimonials of satisfied customers on our Services in addition to other endorsements. With your consent we may post your testimonial along with your name. The Services are operated in the United States. If you are located outside of the United States, please be aware that information we collect will be transferred to and processed in the United States. By using the Services, or providing us with any information, you fully understand and unambiguously consent to this transfer, processing and storage of your information in the United States, a jurisdiction in which the privacy laws may not be as comprehensive as those in the country where you reside and/or are a citizen.