Privacy Policy

Welcome to MBA IQ, operated by Dubist AI & Tech Solutions, L.L.C. (hereafter referred to as "we", "us", or "our"). Our commitment to your privacy is paramount. This Privacy Policy outlines the types of personal information we collect from you when you use our website https://mba-iq.com/, participate in our IQ tests, provide feedback, or simply browse our services, and explains how we use, handle, and protect that information.

Understanding This Policy

By engaging with our website and services in any manner (including, but not limited to, accessing, viewing, browsing, storing data temporarily or permanently, and making transactions through our online platform across any device), you acknowledge and consent to the practices described in this document. We urge you to read this Policy thoroughly before interacting with our site or services and to review it regularly to stay informed of any updates.

Our Role and Responsibility

In providing our services, including but not limited to IQ testing, access to educational content, and interaction with our digital presence (such as links to our social media pages and contact information), we serve as the "data controller" of your personal data. This designation means that we are responsible for deciding how and why your data is processed. Our contact details are as follows:

Dubist AI & Tech Solutions, L.L.C.
1207 Delaware Ave #2513,
Wilmington, Delaware 19806, United States

Should you provide us with personal information about others, or if others provide your information to us, we will use this information solely for the purpose for which it was provided. By submitting this information, you affirm that you are authorized to allow us to process this data on your behalf and in alignment with this Privacy Policy.

What information do we collect?

Personal Information You Share With Us

Briefly: We gather personal information that you offer to us.

We collect personal information that you willingly provide when you show interest in our products and services, engage in our service-related activities, or reach out to us for any reason.

Your Personal Information. The personal information we collect varies based on how you interact with us and our services, your choices, and the products and features you utilize. This may include:

• Names
• Phone numbers
• Email addresses 
• Country of residence
• City
• Age
• Gender
• Nationality
• Usernames

Sensitive Information. We do not process sensitive personal information.

Payment Information. For any purchases made, we collect necessary payment information, such as your payment method number and its security code. Stripe securely stores all payment information. Their privacy policy can be found here: https://stripe.com/privacy.

Please ensure that all personal information you provide is accurate, complete, and updated as necessary.

Information Collected Automatically

Briefly: Certain information, like your IP address and device details, is automatically gathered when you use our Services.

When you access, use, or navigate our Services, we automatically collect specific information. This information doesn’t directly identify you but may include device and usage data, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, location (country), and technical information. This data is essential for the security and operation of our Services, as well as for our internal analytics and reporting.

We also gather data through cookies and similar technologies.

The automatically collected information encompasses:

• Log and Usage Data. This is information that our servers collect automatically, such as diagnostic and performance data, which is recorded in log files. This may include your IP address, device and browser information, and details about your service use (e.g., timestamps, pages viewed, search history, and feature usage), as well as device event data (e.g., system activity, error reports, and hardware settings).
• Device Information. We collect details about the devices you use to access our Services, which may include IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider or mobile carrier, operating system, and system configuration.
• Location Data. We collect information about your device's location, which can be precise or imprecise. The extent of location data collected depends on your device settings. We may use various technologies to determine your location (such as GPS). You have the option to disable location data collection through your device settings, though this may affect certain service features.

How do we use your information?

Briefly: We use your information to provide, enhance, and manage our services, to communicate with you, ensure security and fraud prevention, and to comply with legal obligations. We may also use your information for other purposes with your consent.

Here's how we use your information, based on your interactions with our Services:

• To solicit feedback. We use your information to ask for your feedback and to communicate with you about your use of our Services.
• For marketing and promotional communications. With your consent and according to your preferences, we use your personal information to send you marketing and promotional messages. You can opt-out of our marketing communications at any time (for more information, see "Your privacy rights").
• To deliver targeted advertising to you. We use your information to customize and display content and advertising that matches your interests, location, and more.
• To protect our Services. We use your information as part of our efforts to keep our services safe and secure, including for fraud monitoring and prevention.
• To identify usage trends. We analyze how you use our services to understand usage patterns and improve our Services.
• To determine the effectiveness of our marketing and promotional campaigns. We use your information to improve the relevance of our marketing and promotional efforts to your preferences.
• To save or protect an individual's vital interest. We use your information when necessary to protect the vital interests of individuals, such as to prevent harm.

What legal bases do we rely on to process your information?

Briefly: We process your personal information only when necessary, ensuring we have a valid legal reason under applicable laws, such as with your consent, to comply with legal obligations, to provide services, fulfill contractual duties, protect rights, or pursue legitimate business interests.

For individuals in the EU or UK:

Under the General Data Protection Regulation (GDPR) and the UK GDPR, we're required to disclose the legal bases for processing your personal information. We rely on the following grounds:

• Consent. We may use your information with your explicit consent for specific purposes. You're free to withdraw this consent at any time.
• Legitimate Interests: We process your information when it's necessary for our legitimate business interests, provided these interests don't override your rights and freedoms. Examples include:
  • Sending promotional offers and discounts on our products and services
  • Creating and displaying personalized and relevant advertising
  • Analyzing service usage to improve and innovate
  • Supporting our marketing efforts
  • Diagnosing and preventing fraud
  • Enhancing user experience through service use analysis
• Legal Obligations: If required for compliance with legal obligations, we may process your information, such as cooperating with law enforcement, defending legal rights, or as part of litigation.
• Vital Interests: We might process information to protect the essential interests of a person, such as in life-threatening situations.

For individuals in Canada:

We process your information with your explicit (express) or inferred (implied) consent for specific purposes. You can withdraw consent anytime.

In certain cases, we may process your information without consent, as permitted by law, including for:

• Urgent matters where obtaining consent is impractical
• Investigation and fraud prevention
• Business transactions under specific conditions
• Processing or settling insurance claims
• Identifying and communicating with next of kin in case of injury, illness, or death
• Preventing financial abuse
• Investigating breaches of agreements or legal violations
• Complying with legal processes like subpoenas or court orders
• Handling information produced in a professional or business context
• Journalistic, artistic, or literary purposes
• When information is publicly available as defined by regulations

When and with whom do we share your personal information?

Briefly: We may share your information in specific scenarios mentioned below and/or with certain third parties.

Your personal information may be shared under these circumstances:

• Business Transfers: In the event of a merger, sale of company assets, financing, or acquisition of part or all of our business by another company, we may share or transfer your information as part of the transaction.

What is our stance on third-party websites?

Briefly: We are not responsible for the security of any information you share with third-party sites or advertisers on our Services, which are not affiliated with us.

Our Services may link to third-party websites, services, or mobile applications, or contain advertisements from third parties that are not affiliated with us. These links and advertisements are not an endorsement by us, and we do not guarantee the safety or reliability of these third-party sites, services, or applications. We are not liable for any harm or damages related to the use of third-party websites, services, or applications. The safety and privacy of any information you provide to third parties are not covered by our privacy notice. We advise you to review the privacy and security practices of any third parties before sharing your information with them.

Do we use cookies and other tracking technologies?

Briefly: We employ cookies and similar tracking technologies to collect and store your data.

We utilize cookies and other tracking methods (such as web beacons and pixels) to gather information. Details on our use of these technologies and how you can decline certain cookies are provided in our Cookie Notice.

How long do we keep your information?

Briefly: We retain your data as long as necessary for the purposes described in this privacy notice, unless the law requires a longer period.

Your personal information is kept only for the time needed for the purposes outlined in this privacy notice, or for a period required or allowed by law (for example, for tax, accounting, or other legal reasons).

If there is no ongoing legitimate business reason to process your personal information, we will either delete or anonymize it. If deletion or anonymization is not feasible (e.g., because your data is in backup archives), we will securely store your personal information and isolate it from further processing until deletion can be achieved.

Do we collect information from minors?

Briefly: We do not intentionally gather data from or market to children under 18.

We do not intentionally request data from or market to children under 18 years of age. By using the Services, you assert that you are at least 18 or that you are the parent or guardian of a minor using the Services with your consent. If we discover that we have collected personal information from individuals under 18, we will deactivate the account and take steps to quickly remove such information from our records. If you are aware of any information we may have collected from children under 18, please contact us at box@mba-iq.com.

What are your privacy rights?

Briefly: In certain regions, like the European Economic Area (EEA), United Kingdom (UK), and Canada, data protection laws provide you with rights over your personal information. You have the ability to review, modify, or delete your account anytime.

In specific areas such as the EEA, UK, and Canada, you are granted certain rights under data protection laws. These rights may include:

• Accessing your data: You have the right to request a copy of the personal information we hold about you.
• Correcting your data: If your personal information is incorrect or incomplete, you have the right to ask us to correct it.
• Deleting your data: You can request that we erase your personal information in certain circumstances.
• Restricting processing: You have the right to ask us to restrict the processing of your personal information under certain conditions.
• Data portability: Where applicable, you may have the right to be provided with your personal information in a structured, commonly used, and machine-readable format and to have it transferred to another controller.
• Objecting to processing: In certain situations, you have the right to object to the processing of your personal information.

To exercise any of these rights, please contact us using the contact details in the section "How can you contact us about this notice?" below.

If you're in the EEA or UK and believe we process your information unlawfully, you have the right to lodge a complaint with your local data protection authority. You can find their contact details here: https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.

If you are located in Switzerland, the contact details for the data protection authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.

Withdrawing consent: If we rely on your consent for processing your information, you can withdraw this consent at any time. Withdrawing your consent will not affect the lawfulness of processing based on consent before its withdrawal or the processing of your information under other legal processing grounds.

Opting out of marketing: You can opt out of our marketing communications at any time by using the unsubscribe link in our emails, texting "STOP" or "UNSUBSCRIBE," or contacting us directly. Opting out of marketing communications does not stop all communication from us, as we may still need to send you service-related messages.

Managing cookies and tracking technologies: You can set your browser to reject cookies or to alert you when cookies are being sent. Rejecting cookies may affect the functionality of our Services. To opt out of interest-based advertising, visit http://www.aboutads.info/choices/.

For any questions or concerns about your privacy rights, feel free to contact us at box@mba-iq.com.

Controls for Do-Not-Track Features

Most web browsers, along with some mobile operating systems and apps, offer a Do-Not-Track ("DNT") option, allowing you to express a preference not to be tracked across the web. However, as of now, there is no universally accepted standard for how companies should respond to DNT signals, which means that we do not currently act on DNT browser signals or any other mechanism that automatically signals your decision against online tracking. Should a standard that requires our compliance be established in the future, we will update you on our approach to these signals in an updated version of this privacy notice.

Do California residents have specific privacy rights?

Briefly: Yes, California residents are endowed with specific rights regarding the access to their personal information.

Under the California Civil Code Section 1798.83, also referred to as the "Shine The Light" law, California residents who are users of our services can request, once annually and without charge, details about the categories of personal information (if any) that we have disclosed to third parties for their direct marketing purposes within the preceding calendar year, along with the names and addresses of those third parties. If you're a resident of California wishing to make such a request, please send it in writing to us using the contact details provided below.

Additionally, if you are under the age of 18, reside in California, and have an account with our Services, you are entitled to request the removal of undesirable data that you have publicly posted on the Services. To initiate this process, contact us with the email address linked to your account and a declaration of your residency in California. We will endeavor to ensure the data is not publicly displayed on the Services, though be advised that it may not be entirely or comprehensively eliminated from all our systems (e.g., backups).

CCPA Privacy Notice

The California Code of Regulations defines a "resident" as:

• (1) every individual who is in the State of California for other than a temporary or transitory purpose and
• (2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose

All other individuals are defined as "non-residents."

If this definition of "resident" applies to you, we must adhere to certain rights and obligations regarding your personal information.

What categories of personal information do we collect?

We have collected the following categories of personal information in the past twelve (12) months:

We will use and retain the collected personal information as needed to provide the Services or for:

• Category L - 1 year

We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:

• Receiving help through our customer support channels;
• Participation in customer surveys or contests; and
• Facilitation in the delivery of our Services and to respond to your inquiries.

How do we use and share your personal information?

More information about our data collection and sharing practices can be found in this privacy notice.

You may contact us by email at box@mba-iq.com, or by referring to the contact details at the bottom of this document.

If you are using an authorized agent to exercise your right to opt out we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

Will your information be shared with anyone else?

We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf, following the same strict privacy protection obligations mandated by the CCPA.

We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be "selling" of your personal information.

Dubist AI & Tech Solutions, L.L.C. has not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. Dubist AI & Tech Solutions, L.L.C. will not sell or share personal information in the future belonging to website visitors, users, and other consumers.

Your rights with respect to your personal data

Dubist AI & Tech Solutions, L.L.C. has not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. Dubist AI & Tech Solutions, L.L.C. will not sell or share personal information in the future belonging to website visitors, users, and other consumers.

Right to request deletion of the data — Request to delete

You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation, or any processing that may be required to protect against illegal activities.

Right to be informed — Request to know

Depending on the circumstances, you have a right to know:

• whether we collect and use your personal information;
• the categories of personal information that we collect;
• the purposes for which the collected personal information is used;
• whether we sell or share personal information to third parties;
• the categories of personal information that we sold, shared, or disclosed for a business purpose;
• the categories of third parties to whom the personal information was sold, shared, or disclosed for a business purpose;
• the business or commercial purpose for collecting, selling, or sharing personal information; and
• the specific pieces of personal information we collected about you.

In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.

Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights

We will not discriminate against you if you exercise your privacy rights.

Right to Limit Use and Disclosure of Sensitive Personal Information

We do not process consumer's sensitive personal information.

Verification process

Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g., phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.

We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.

Other privacy rights

• You may object to the processing of your personal information.
• You may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the information.
• You can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.
• You may request to opt out from future selling or sharing of your personal information to third parties. Upon receiving an opt-out request, we will act upon the request as soon as feasibly possible, but no later than fifteen (15) days from the date of the request submission.

To exercise these rights, you can contact us by email at box@mba-iq.com, or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.

Updating This Notice: How and When?

Briefly: Yes, we'll keep this notice up-to-date to ensure compliance with applicable laws.

We reserve the right to amend this privacy notice periodically. Any amendments will be marked by an updated "Revised" date, and the changes will take effect once they are made available. Should there be significant alterations to this privacy notice, we will either prominently display a notice regarding the changes or directly send you a notification. We recommend regularly reviewing this privacy notice to stay informed about how we safeguard your information.

Contacting Us Regarding This Notice

Should you have any inquiries or feedback regarding this notice, feel free to reach out via email at box@mba-iq.com or via mail at:

Dubist AI & Tech Solutions, L.L.C.
1207 Delaware Ave #2513,
Wilmington, DE 19806,
United States