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Yapstone Education Services

Yapstone User Agreement for WUBS Payors

Please read this agreement carefully. This agreement contains an arbitration clause, class action waiver, and jury trial waiver. 

1. About Yapstone

    a. This Yapstone User Agreement for WUBS Payors (“Agreement”) describes the terms and conditions that apply to the role of the Yapstone family of companies (collectively, “Yapstone”), including YapStone Inc., a Delaware corporation located at 2121 N. California Blvd., Suite 400, Walnut Creek, CA 94596, USA (“YapStone, Inc.”) as a payment processor for Western Union Business Solutions or its affiliated entities (“WUBS”). Yapstone’s technology platform (the “Platform”) works with WUBS technology to enable WUBS to (1) accept Your tuition payment and (2) remit Your tuition payment to the educational institution You designate (the “Payee”). Yapstone and its third party service providers, if applicable, provide services (the “Services”) to WUBS and do not provide the Services to You. The WUBS Terms and Conditions are posted here: https://business.westernunion....;. The Services may be provided by Yapstone in conjunction with a third-party payment processor (the “Processor”). Further, the amount due to a Payee (the “Amount Due”) is determined solely by the Payee.

    b. Yapstone, Inc. is a licensed provider of money transmission services in the United States and, if any portion of the Services constitutes regulated money transmission in the United States, such money transmission will be provided by Yapstone, Inc. pursuant to Yapstone, Inc.’s licenses. See https://www.yapstone.com/legal...;for additional information and for disclosures that Yapstone, Inc. is required to post by certain jurisdictions.

    2. Consent to Terms

    a. By submitting Your payment information to WUBS, You acknowledge and accept: (i) this Agreement, and (ii) Yapstone’s Privacy Policy for WUBS Payors available below (the “Privacy Policy” and, with this Agreement, the “Terms”). You should read through all of the Terms carefully. The Terms set forth the relationship between You and Yapstone and Yapstone’s rights and obligations with respect to Your payment of Amounts Due.

    b. The terms of this Agreement are effective as of the date that You submitted Your payment information to WUBS (the “Effective Date”). You acknowledge and agree that You will be required to submit certain information to Yapstone or the Processor (including identity verification information as set forth in Section 5 hereof), and such information must be accurate and complete, in order for your payment to be completed. You should notify WUBS immediately if you become aware that You have made a mistake when submitting your payment instructions.

    3. The Services

    a. You acknowledge and agree that, as it relates to Amounts Due: (a) WUBS is the entity providing payment services to You, (b) Your payment is for a transaction between You and a Payee and not with Yapstone; and (c) Yapstone is a third-party payment processor acting on behalf of WUBS, not on behalf of either You or Your Payee. You will be sent a confirmation acknowledging the processing of Your payment. Refund requests related to Amounts Due should be directed to Your Payee.

    b. You acknowledge that (i) Yapstone acts as WUBS’s agent for the limited purpose of receiving payments from You and transmitting Your payment to WUBS, (ii) Yapstone may terminate Your ability to submit payments to WUBS for any or no reason, and (iii) Yapstone has the right to change the content or technical specifications of any aspect of the Services at any time at Yapstone’s sole discretion, and such modifications may result in Your being unable to submit payment to WUBS.

    4. Authorization to Debit Bank Account

    You represent and warrant that You have the legal right and authority to authorize Yapstone or a Processor to debit Your bank account in accordance with this Agreement.

    5. Your Representations and Warranties to Yapstone; Privacy Policy; Identity Verification and Third-Party Permissions

    a. In order for Yapstone to process your payment, You represent and warrant that: (i) the information You have provided to Yapstone is true, accurate, current, and complete; and (ii) You are at least 18 years old. You acknowledge that Yapstone is relying on Your representations as a condition of processing your payment. If You provide information that is untrue, inaccurate, not current or incomplete, or if Yapstone has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Yapstone, without limiting any other remedies, reserves the right to reject your payment. You may only submit payments for the purpose of paying tuition.

    b. You understand and agree that any information You provide to Yapstone (including Your personal and financial information) is subject to the Privacy Policy, available below. By accepting this Agreement, You hereby agree to such Privacy Policy, which may be updated by Yapstone from time to time. If Yapstone decides to change its Privacy Policy, it will post those changes on its website.

    c. Yapstone may use Your data in a manner set out in the Privacy Policy, or as required by applicable law, and as further described in this Agreement. Yapstone processes Your data in order to (i) provide the Services to WUBS, (ii) verify Your identity, Your location or payment information, or (iii) comply with Yapstone’s legal and regulatory obligations, as well as for group administration and management purposes. If You do not provide Your personal data, Yapstone will be unable to process your payment. Please note that the information You provide to Yapstone may be transferred outside of your home country for the purposes specified in the Privacy Policy. You provide Your personal information at Your own risk

    d. Identity Verification and Third-Party Permissions;

    i. You acknowledge and agree that Yapstone’s obligation to process Your payment may be subject to certain conditions or eligibility requirements, such as an identity verification process. Yapstone may verify the information You submit against third-party databases or through other means and/or as may be required to perform required screening, monitoring, and investigation in order to comply with applicable laws.

    ii. You expressly authorize Yapstone to screen You against third party databases or other sources and request reports from service providers; and You consent to the disclosure of Your information from them to Yapstone and from Yapstone to third parties and other Yapstone affiliates for identity verification purposes, to meet anti-money laundering, anti-terrorist financing, transaction monitoring, and suspicious activity reporting requirements, to assist Yapstone with customer support or risk management, or as otherwise required by law. You acknowledge and agree that we may collect information concerning the location of the device You use to submit Your payment information and You authorize Yapstone to use such information to assess Your location and/or to conduct identity verification and/or transaction monitoring with respect to You. Any third party or other Yapstone affiliates to which Your information is transmitted will be bound to maintain Your confidentiality and may not use the information supplied for any unauthorized purpose other than to (A) verify Your identity, (B) meet Yapstone’s legal, regulatory, or risk requirements, (C) process Your Payment, or (D) as otherwise described in this Agreement or in the Privacy Policy.

    6. Liability

    You shall be liable to Yapstone for Claims arising out of or in connection with (i) any breach (or, as to defense obligations only, any alleged breach) of Your obligations in this Agreement or any breach of Your representations, warranties, or obligations set forth in this Agreement; or (ii) Your negligence, fraud, misrepresentation, willful misconduct, violation of applicable law, or infringement of the rights of any person or entity. “Claim” means an action, allegation, assessment, cause of action, cease and desist letter, charge, citation, claim, demand, directive, fine, lawsuit or other litigation or proceeding, or notice issued or submitted by, from or on behalf of a third party, including any governmental agency, and all resulting judgments, bona fide settlements, penalties, damages (including consequential, indirect, special, incidental or punitive damages), losses, liabilities, costs, and expenses (including, without limitation, reasonable attorneys’ fees, expenses and costs) incurred in connection therewith.

    7. Disclaimers and Limitation of Liability

    a. Except for any express warranties contained in this agreement: (i) Yapstone’s payment processing services are provided “as is” and “as available” and (ii) Yapstone and its affiliates and processors make no warranty of any kind (and disclaim all warranties of any kind) with respect to the foregoing, whether express, statutory or implied, and specifically disclaim the warranties of merchantability, fitness for a particular purpose, and non-infringement, in each case to the maximum extent permitted under applicable law. without limiting the foregoing, Yapstone makes no warranty that Yapstone’s payment processing services will meet your requirements or be available on an uninterrupted, secure, or error-free basis. Yapstone makes no warranty regarding the quality of the payment processing service

    b. Limitation of Liability;

    i. You agree that Yapstone shall not be liable for: any failures that may affect the receipt, processing, acceptance, completion, or settlement of a payment.

    ii. In no event will Yapstone or the processors, be liable to you or to any third party for lost profits or for consequential, exemplary, indirect, special, punitive, or incidental damages (even if such damages are foreseeable and whether or not you or the third party has been advised of the possibility of such damages); and (ii) in no event will Yapstone’s aggregate liability arising out of this agreement exceed the amount of your payment. You acknowledge that Yapstone has agreed to process your payment relying on the limitations of liability stated in this section 7.b and that these limitations are an essential basis for Yapstone’s agreement to process your payment.

    8.
    Dispute Resolution, and Governing Law and Forum.

    a. To the fullest extent permitted by applicable law, each of the parties agree that any proceeding will be conducted only on an individual basis and not in a class, consolidated representative action. Each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding, or counter-claim relating or arising out of this agreement or any of the transactions contemplated between the parties. To the extent either party is permitted by law or court of law to proceed with a class or representative action against the other, the parties hereby agree that: (1) the prevailing party shall not be entitled to recover attorneys’ fees or costs associated with pursuing the class or representative action (notwithstanding any other provision in this agreement); and (2) the party who initiates or participates as a member of the class will not submit a claim or otherwise participate in any recovery secured through the class or representative action.

    b. This Agreement shall be governed by and construed in accordance with the laws of the State of California, without giving effect to its conflict of laws principles and You agree, with respect to any court action permitted under this Agreement, to exclusive personal jurisdiction in the state and federal courts located in the State of California, County of Contra Costa or County of Alameda.

    9. Miscellaneous

    a. This Agreement may not be amended except by written agreement, signed by You and an authorized Yapstone representative.

    b. All notices and other communications under this Agreement must be in writing and may be made by means of email or a posting on, or update to Yapstone’s website. Notices to You will be delivered to the email address You provided to Yapstone, if any, or by posting on or update to the Yapstone website. Notices to Yapstone can be made via email at legal@Yapstone.com or via certified mail or overnight courier to: Yapstone Inc., Legal Department, 2121 N. California Blvd., Suite 400, Walnut Creek, CA 94596, USA.

    c. Yapstone and its Processors may need to provide You with certain transaction receipts or confirmations, notices, or disclosures ("Communications").

    i. By accepting this Agreement you confirm Your ability and consent to receive Communications electronically from Yapstone and its Processors, rather than in paper form, and to the use of electronic signatures.

    ii. To access and retain the electronic Communications, You will need the following:

    1. A computer or mobile device with Internet or mobile connectivity. For website-based Communications, a current web browser that includes 128-bit encryption. Minimum recommended browser standards are Microsoft Internet Explorer version 8.0 and above (see http://www.microsoft.com/ie for current version), Mozilla Firefox current version (see http://www.mozilla.com for current version), Apple Safari current version (see http://www.apple.com/safari for current version), or Chrome current version (see http://www.google.com/chrome for current version). The browser must have cookies enabled;

    2. Access to the email address provided when You submitted your payment; and

    3. Sufficient storage space to save Communications and/or a printer to print them.

    iii. You have the right to receive Communications in paper form. To request a paper copy of any Communication sent to you from Yapstone, please write to Yapstone, Inc., Legal Dept., 2121 N. California Blvd., Suite 400, Walnut Creek, CA 94596, USA, within 180 days of the date of the Communication, specifying in detail the Communication You would like to receive in paper form.

    iv. It is Your responsibility to provide Yapstone with a valid email address. You understand and agree that if Yapstone sends You an email, but You do not receive it because the email address you provided is incorrect, blocked by Your service provider, or You are otherwise unable to receive emails, Yapstone will still be deemed to have provided the email to You.

      d. This Agreement contains the entire understanding between You and Yapstone with respect to its subject matter, superseding all prior and contemporaneous representations and understandings. If any provision of this Agreement, or the application thereof, is found invalid or unenforceable, that provision will be amended to achieve as nearly as possible the same economic effect as the original provision and the remainder of this Agreement will remain in full force.

      e. Sections 4-9 and Sections securing Yapstone’s rights shall survive any termination of this Agreement.

      f. The failure by a party to insist upon strict performance of any of the provisions contained in this Agreement shall in no way constitute a waiver of its rights as set forth in this Agreement, at law or in equity, or a waiver of any other provisions. No waiver of any provision or of any breach of this Agreement shall be deemed a further or continuing waiver of such provision, breach, or any other provision of this Agreement.

      g. This Agreement shall be binding upon and inure to the benefit of the parties, their successors and permitted assigns. You may not assign this Agreement or any rights, obligations, or privileges under this Agreement without Yapstone’s prior written consent. Yapstone may assign its rights and obligations under this Agreement at any time without notice to You.

      h. Yapstone will not be responsible for delays, errors, failures to perform, interruptions or disruptions in the processing of your payment resulting from any act, omission or condition beyond Yapstone’s reasonable control, whether or not foreseeable or identified, including without limitation acts of God, labor strikes, lockouts, riots, acts of war, governmental regulations, fire, power failure, earthquakes, severe weather, floods or other natural disasters, hackers, or the failure of Yours or any third party’s hardware, software or communications equipment or facilities.

      Last Updated: 28 of May 2021

      Yapstone Privacy Policy for WUBS Payors

      In order to better protect your privacy, the Yapstone family of companies (collectively, “Yapstone,” “we,” “us,” and “our”) have developed this privacy policy (“Privacy Policy”).

      Your personal data is being processed by Yapstone. We provide payments gateway and third-party payment processor and payment services provider services (collectively “Processing Services”) to Western Union Business Solutions or its affiliated entities (“WUBS”) through which users of WUBS’s online platforms may make payments.

      This Privacy Policy applies to you if you have submitted a tuition payment request through WUBS’s online platform. This Privacy Policy explains our online information practices and the choices you can make about the way your information is collected and used by Yapstone.

      This Privacy Policy is based on these principles:

      • We will disclose the types of information we collect and how we use it;
      • Unless we need to use your information to provide the Processing Services or to comply with a legal or regulatory requirement:
      • We will give you an opportunity to restrict our use of the information; and
      • We will give you an opportunity to tell us not to give the information to others; and
      • We will give you an opportunity to correct the information in our records when it has been erroneously recorded.

      These principles and our Privacy Policy apply whether we collect the information online or as part of you making a payment.

      This Privacy Policy (together with all policies, notices, and other content that appear on (or that are linked to) Yapstone’s website(s), including, without limitation any website operated by Yapstone, and any subdomain of any such websites (collectively, “Websites” or “Website)) sets out the basis on how we process any personal data we receive from you. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

      Yapstone collects data either directly or from WUBS or another entity that works with Yapstone or uses Yapstone’s Processing Services (“Partners”). By visiting Yapstone Websites and/or submitting data to Yapstone, WUBS or Partners, you acknowledge that our use of your data is necessary for us to comply with applicable law and to provide Processing Services to WUBS to facilitate your payment of tuition. We will use your data only in accordance with the terms of this Privacy Policy or as allowed by law.

      INFORMATION WE MAY COLLECT FROM YOU

      We may collect and process the following data about you:

      • Information that you provide to us, WUBS, or to one of our Partners (such as by filling in webforms), including, for example, when you submit your payment information. Such information may include, for example, your name, email address, bank account information, postal address, telephone number, device identification or other sign-on information, geolocation data, and transaction information. Such information may be stored electronically on our servers in order to comply with our legal and regulatory obligations;

      • Information that is automatically collected using technology that allows electronic tracking of technical information; this is further explained below in the section titled IP addresses, cookies and click-through URLs;
      • A record of any correspondence with you, regardless of the means;
      • Details of the entire lifecycle of payments we process on behalf of WUBS;
      • The resources that you access on our Websites or those of WUBS or our Partners, as well as details of your visits to our Websites including, but not limited to, traffic data, location data, weblogs, and other communication data;
      • Financial information you provide when you initiate a payment transaction, such as bank account details;
      • Personal data which we are legally required to report to the authorities for certain payment transactions;
      • Proof of your identity which we may request from you for identity verification purposes and to comply with applicable law. Such proofs of identification may be stored electronically on our servers in order to comply with our legal and regulatory obligations;
      • Your IP address, computer information, and the times of each payment you submit or access our Websites, which may be tracked against your records with us for purposes of preventing fraud, establishing your identity, creating an audit trail, and to comply with applicable laws; or
      • Data necessary to detect and prevent fraud; we will either do this directly or in conjunction with a third-party who use this data to detect and protect against fraud (“third-party experts”). These third-party experts are subject to privacy and confidentiality obligations.

      IP ADDRESSES, COOKIES AND CLICK-THROUGH URLS

      We may collect technical information about your computer, including for example, where available, your IP address, operating system, and browser type, for system administration and to report aggregate information to our Partners. This is aggregate statistical data about browsing actions and patterns.

      For the same reasons, we may obtain information about your general Internet usage by using a cookie. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and stored by the browser. Cookies contain information that is transferred to your computer’s hard drive. The identifier is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser. Cookies help us to improve our Website and to deliver a better and more personalized service. Cookies enable us:

      • To estimate our audience size and usage pattern;
      • To store information about your preferences, and to allow us to customize our Website according

      to your individual interests;

      • To prevent fraud;
      • To speed up the delivery of pages you commonly use; and
      • To recognize you when you return to one of our Websites.

      We may use both “session” cookies and “persistent” cookies on our Website. Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiry date. You may refuse to accept cookies by activating the setting on your browser that allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our Website. Disabling a cookie or category of cookies does not delete the cookie from your browser; you will need to do this yourself from within your browser. If you have disabled one or more cookies, we may still use information collected from cookies before your disabled preference was set. We stop, however, using subsequent disabled cookies to collect any further information.

      We may use third-party cookies to help us improve our Website design, user experience and to provide you with information about Yapstone through trusted remarketing services. We may allow selected third parties to place cookies through our Website to provide us with better insights into the use of our Website or user demographics or to provide relevant advertising to you. These third parties may collect information about a consumer’s online activities over time and across different websites when he or she uses our Website. Please note that our Partners may also use cookies, over which we have no control but which will be activated if you click through to our Partners’ websites. Please also note that third- parties may be able to uniquely identify your device or browser even if you have disabled cookies.

      We may occasionally use a “click-through URL”. When you click one of these click-through URLs, you pass through our web server before arriving at your final destination. We track click-throughs to help us improve the user experience, record your acceptance of certain terms, determine your interest in particular topics and measure the effectiveness of our customer communications.

      You can learn more about cookies at the following third-party websites:

      DO NOT TRACK

      Some web browsers permit you to set Do Not Track (DNT) signals which would prevent websites from tracking your behavior online. The applicable standards are still being developed and, as a result, we cannot respond to the DNT signal. This means our service providers are able to compile analytics about your movements on our Website and remarket our Processing Services to you.

      WHERE WE STORE YOUR PERSONAL DATA

      The data (including personal data) that we collect from you may be processed, transferred and stored in the United States and may be transferred to, and stored at, a destination outside of the United States including, but not limited to: Canada, Ireland, Germany, Australia and India. By submitting your personal data, you agree to the transfer, storing, or processing of your personal data in destinations inside or outside the United States. Your data (including personal data) may also be processed by staff operating outside the United States who work for us or one of our Partners or affiliated companies, or one of our third-party suppliers, or third-party service providers. Such staff may be engaged in, among other things, verifying your identity, your location or payment information, the fulfilment of your transaction, the processing of your payment details, improving our Websites and Processing Services, technical support, fraud review, and the provision of other support services or in order to comply with our legal and regulatory obligations, as well as for group administration and management purposes. Yapstone complies with applicable data transfer laws.

      You acknowledge and agree that your personal data may be stored or processed in the United States or transferred, stored or processed outside the United States (including in Ireland, Germany, Australia and India), as set out in this Privacy Policy.

      SECURITY

      Yapstone will use reasonable technical, administrative and physical measures to protect information contained in our system against misuse, loss or alteration. All information you provide to us is stored on our secure servers or secured servers licensed for use by us. Yapstone complies with the Payment Card Industry Data Security Standard (PCI-DSS).

      Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Website; any transmission is at your own risk.

      USES MADE OF YOUR INFORMATION

      We use information held about you in the following ways:

      Performing Processing Services for WUBS:

      • To ensure that content from our Websites is presented in the most effective manner for you and for your electronic device;
      • To allow smooth interaction between you and customer support;
      • To allow us to carry out our contractual obligations to WUBS and our Partners in connection with providing Processing Services to WUBS; and
      • To verify your acceptance of certain terms or conditions related to our payment processing services.

        Security Detection, protection and enforcement; functionality debugging, error repair:

        • To detect, investigate, prevent, protect against, remediate and reduce the risks of fraud in our system, unauthorized transactions, or activity we think is suspicious or may be potentially illegal, unlawful or harmful, to build fraud and credit risk models to assist in the screening of users for the purposes of identifying fraudsters, and preventing fraud, sharing of relevant data with vendors to improve our system and services, or sharing such data in order to comply with our legal, regulatory or compliance obligations or assist law enforcement with respect to criminal or suspected criminal acts, including responding to a valid request by a law enforcement agency or regulatory or governmental authority, and use or disclosure of such data or information in connection with actual or proposed litigation, or to protect our or our affiliates’ or Partners’ property, people and other rights or interests; and
        • To enforce this Privacy Policy and/or the Yapstone User Agreement for WUBS Payors (“User Agreement”) or any other purpose referenced.

        Quality control:

        • To monitor quality control and ensure compliance with our legal obligations, codes and ordinances, policies and procedures; and
        • To develop and improve our products and services, for example, by reviewing visits to the Websites and various subpages, demand for specific products and services, and user comments.

        Auditing relating to transactions, internal research and development:

        • To provide for internal business administration and operations, including troubleshooting, Website customization, enhancement or development, testing, research, administration and operation of our Websites and data analytics;
        • To create products or services that may meet your needs; and
        • To measure performance of marketing initiatives, ads, and websites “powered by” another company on our behalf.

        DISCLOSURE OF YOUR INFORMATION

        We may disclose your personal information to any Yapstone entity.

        We may disclose your data to Partners and third parties:

        • Where we have received your information in connection with your submission of a tuition payment (in particular, your bank account details), where such Partner or third party will use this data in accordance with its privacy policy and terms of service (1) for the purposes of processing your payment, (2) to enforce its policies, (3) to defend and protect its rights, property or safety or the rights, property or safety of other users of its services, (4) to comply with its legal obligations (including reporting to relevant taxing authorities), or (5) in the interest of national security, public interest or law enforcement in any country where it has entities or affiliates. For example, a Partner may respond to a valid request by a law enforcement agency or regulatory or governmental authority, and it may also disclose data in connection with actual or proposed litigation, or to protect its property, people and other rights or interests;
        • In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
        • If a Yapstone entity has substantially all of its assets acquired by a third party, the personal data held about you may be one of the transferred assets;
        • In order to: (1) comply with any legal obligation (including reporting obligations under fraud, anti- money laundering, or counter terrorist financing law and other applicable law and regulations); (2) enforce or apply the terms of the User Agreement with respect to the processing of your payment; or (3) protect the rights, property, or safety of Yapstone, our customers, our users, our Partners, or others;
        • For the purposes of fraud protection, credit risk reduction, and the prevention and reporting of money laundering or other criminal or suspected criminal activity, including the building of fraud and credit risk models to assist in the screening of users for the purposes of identifying fraudsters and preventing fraud;
        • Where such third parties provide services to us that facilitate the provision of our payment services, including for example, software providers and our financial services partners;
        • In order to collect and process data for other companies, your data may be shared back with such company;
        • Pursuant to a valid request or subpoena from law enforcement, regulators, court, or other government body;
        • In accordance with this Privacy Policy; and
        • With your permission.

          ACCESS TO YOUR INFORMATION AND YOUR CHOICES

          You can choose not to receive emails from us by either “unsubscribing” using the instructions in any email you receive from us or by emailing opt-out@yapstone.com. This will not stop us from sending emails about your transactions with us.

          You can choose to delete or block cookies by setting your browser to either reject all cookies or to allow cookies only from selected sites. If you block cookies, performance of the Website may be impaired and certain features may not function at all.

          If you do not want cookies to be used for marketing, please visit the Network Advertising Initiative for opting out of interest-based advertising by participating companies. This does not mean you will not receive any online advertising – it merely means that the companies from which you opted out will no longer deliver ads tailored to your web preferences and patterns.

          YOUR RIGHTS RELATED TO OTHER WEBSITES

          Our Websites may contain links to and from the websites of our partner networks, advertisers, and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

          Please be aware that Yapstone is not responsible for the privacy practices of other sites, including our Partners’ websites. We encourage users to be aware when they leave our Website to read the privacy statements of every website that collects personally identifiable information.

          PHISHING OR FALSE EMAILS

          If you receive an unsolicited email that appears to be from us or one of our Partners or third parties that requests your personal information (such as personal identifiers, or bank account number), or that asks you to verify or confirm your bank account or other personal information by clicking on a link, that email was likely to have been sent by someone trying to unlawfully obtain your information. This is sometimes referred to as “phishing” or “spoofing.” We do not ask for this type of information in an email. Do not provide the information or click on the link. If you receive any suspected phishing or spoofing emails, please report it to privacyofficer@yapstone.com.

          CHANGES TO THIS PRIVACY POLICY

          Any changes we may make to this Privacy Policy in the future will be posted on Yapstone’s Website with an updated Effective Date. If we are going to use your personal information in a manner different from that stated at the time of collection, we will notify you via email, if one was provided to us. You will have a choice to opt-out of having us use your information in this new manner. If you do not contact us stating your refusal to accept the changes to this Privacy Policy within one month following the date of the notice of the changes to this Privacy Policy, you will be deemed to have accepted the changes. If you refuse to accept the changes, we may cease processing your tuition payments.

          CONFLICT BETWEEN THIS PRIVACY POLICY AND THE USER AGREEMENT

          Where there is a conflict between this Privacy Policy and an explicit provision of the User Agreement, this Privacy Policy will prevail.

          CONTACT US

          Questions, comments, and requests regarding this Privacy Policy are welcomed and should be addressed to:

          Yapstone, Inc.
          Legal Department
          2121 N. California Blvd., Suite 400 Walnut Creek, CA 94596
          USA privacyofficer@yapstone.com

          Effective Date: May 28, 2021

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          Yapstone is a PCI-DSS Compliant Payment Facilitator, operating with Money Transmitter Licenses in all required states and territories.

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