1. All charges incurred in connection with your WHY Institute account will be billed to the credit card designated during the registration process for the account. If you want to designate a different card or there is a change in credit card validity or expiration date, or if you believe someone has accessed the site using your username and password without your authorization, you may change your card details by clicking on your name in the top right, go to “Settings” and then click on “Credit Card Info” in the upper right corner of the page.
2. WHY Institute memberships are billed on a yearly basis and are non-refundable. In order to treat everyone equally, no exceptions will be made.
3. All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties, excluding only United States (federal or state) taxes.
4. Users are responsible for any incurred foreign transaction fees, user credit card or bank fees, or differences and fluctuations in foreign exchange rates.

1. You are solely responsible for properly canceling your account by contacting team@whyinstitute.com.
2. By joining WHY Institute you understand that your membership is a minimum one-year commitment. If you cancel the service before the end of your current paid up year, your cancellation will take effect immediately and you will not be charged again.
3. WHY Institute, in its sole discretion, has the right to suspend or terminate your account and refuse any and all current or future use of the WHY Institute IP for any reason at any time. Such termination of the service will result in the deactivation or deletion of your account or your access to your account, and the forfeiture and relinquishment of all content in your account. WHY Institute reserves the right to refuse service to anyone for any reason at any time.

1. WHY Institute reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the service (or any part thereof) with or without notice.
2. WHY Institute shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of the Service.

This site is owned and operated by WHY Institute. Individual items of information, graphics, software and other material (“content”) accessible through the WHY Institute web site (“site”) may be protected by copyright. You may not copy, download, reproduce, post, transmit, upload, distribute or otherwise publish any content protected by copyright, without first obtaining permission of the copyright owner.

You agree to abide by any and all copyright notices or other restrictions contained in any individual content accessed through this site. The site is copyrighted as a collective work under United States copyright laws. Except as expressly provided for in these conditions of use, you shall not copy, distribute, download, publish or create a derivative work from the Site or any part thereof. All trademarks, service marks, and trade names are proprietary to WHY Institute.

You may download or copy content accessed through the site for personal use provided that you maintain all copyright and other proprietary notices contained in such content. In no event may you, directly or indirectly, sell or offer for sale, upload, distribute, or otherwise publish any content accessed through the site in any form or medium.

We primarily use the identification information you voluntarily share with us to customize your online experience and to do what you have asked of us. We also use your identification information to tell you about our products and services, but you may instruct us not to send communications to you by following the procedure indicated below under “Contacting Us.” On occasion, we use your identification information to validate your identity. As for usage tracking data, we primarily use that information to operate and improve our consumer-facing applications and to further our marketing efforts. As a general rule, we do not share your information with unaffiliated third parties. We may, however, share your information with our own personnel and our service providers to the extent necessary to fulfill your requests. We may also share your information with our affiliates, but we will not sell it to or share it with unaffiliated third parties for direct marketing purposes. We reserve the right to disclose your information under limited circumstances, such as to cooperate with law enforcement or judicial authorities as required by law or legal process, to protect our own legal rights, or to protect the public good.

Whenever you are online or on our consumer-facing applications, you run the risk that the information you give out will fall into the wrong hands. Although we implement and maintain commercially reasonable security procedures and practices to safeguard your privacy, we cannot guarantee the security of any information you provide to us. We accept no responsibility or liability for the activities of third parties. By using our consumer-facing applications and other consumer applications, you agree to our Terms of Use.

If you would like to review the information about you that we have collected through our consumer-facing applications or to change that information, you can make that request by following the procedure indicated below under “Contacting Us.” We may require that you verify your identity before we process your request.

Electronic communications such as email, text messages and social media messaging, are neither secure nor confidential. While WHY Institute has adopted policies and procedures to aid in avoiding fraud, even the best security protections can still be bypassed by unauthorized parties. WHY Institute will never send you any electronic communication with instructions to transfer funds or to provide nonpublic personal information, such as credit card or debit numbers or bank account and/or routing numbers.

YOU SHOULD NEVER TRANSMIT NONPUBLIC PERSONAL INFORMATION, SUCH AS CREDIT OR DEBIT CARD NUMBERS OR BANK ACCOUNT OR ROUTING NUMBERS, BY EMAIL OR OTHER UNSECURED ELECTRONIC COMMUNICATION. EMAILS ATTEMPTING TO INDUCE FRAUDULENT WIRE TRANSFERS ARE COMMON AND MAY APPEAR TO COME FROM A TRUSTED SOURCE.

If you receive any electronic communication directing you to transfer funds or provide nonpublic personal information, EVEN IF THAT ELECTRONIC COMMUNICATION APPEARS TO BE FROM WHY Institute or its affiliates, do not respond to it and immediately contact WHY Institute. Such requests, even if they may otherwise appear to be from WHY Institute are likely part of a scheme to defraud you by stealing funds from you or using your identity to commit a crime. To notify WHY Institute of suspected fraud related to your transaction, send an email to team@whyinstitute.com. 

We may, from time to time, change our Privacy Policy. We will notify you of any changes by posting our updated Privacy Policy on our consumer applications and inserting a new “Effective Date.”

If you would like to send us a request as indicated above, or if you have any other questions or concerns regarding our Privacy Policy, you may contact us by e-mail at team@whyinstitute.com

This Privacy Policy is effective as of August 1st 2020. Our company can be reached at team@whyinstitute.com.

Our consumer applications are hosted by servers in the United States. If you are located outside of the United States, your personal information may be transferred to the United States. By submitting your personal information, you consent to its transfer to the United States and to its storage, processing, and use there in accordance with this Privacy Policy.