policy governs the information collection and use practices of MBS
Direct, LLC (MBS) websites, including: mbsDirect.net,
STUDYtactics.com, and UDTebook.com. The policy below explains how MBS
collects and uses your information, and when we share that
information with third parties. By providing information to us, you
We, our, and us
means MBS Direct, LLC (MBS) and the websites through which it
You and your
means any individual who visits any of the following websites:
mbsDirect.net, STUDYtactics.com, and UDTebook.com, and submits
Information means information about you that we collect. This may
include your name, mailing address, city, state, zip code, and
means a third party that is not owned or controlled by MBS, but
that has been retained to provide certain services on our behalf.
Subcontractors do not have the right to use the Personal
Information that we collect beyond what is necessary to assist us.
Subcontractors are contractually obligated to maintain the
confidentiality and security of the Personal Information that we
collect and are restricted from using such information in any way
not expressly authorized by MBS.
Opt-out means a
choice that you can make to prevent the sharing or use of some, or
all, of your Personal Information. Your ability to opt-out is
explained in greater detail below.
Opt-in means a
choice that you make to allow us to use, or share, some, or all, of
your Personal Information. Your ability to opt-in is explained in
greater detail below.
means this document.
for Collecting Information. We collect Personal Information
from you, and about you, to provide you with products and
information that you request, and to enhance your online
from Which We Collect Information. We collect Personal
Information in the following ways:
Collection. We automatically collect information such as your
Internet Service Provider, the pages that you visit, your browser
type, your computer operating system, the site that you report
having been referred from, and time of access. We store this
information in a web server log. We use this information to
improve your experience on our website and to aid in the diagnosis
of website problems. We also collect information through
'cookies'. A 'cookie' is a small file containing a string of
characters that is sent to your computer when you visit one of our
websites. When you visit the website again, the cookie allows that
site to recognize your browser and customize your experience.
Cookies may store user preferences and other information. You can
reset your browser to refuse all cookies or to indicate when a
cookie is being sent. However, some website features or services
may not function properly without cookies.
Collection. We may collect Personal Information by asking you
to fill out an order form online, or email a form to us, which
asks for Personal Information such as your name, mailing address,
city, state, zip code, and email address. We also may collect
information about you that is not personally identifiable, such as
what school you attend and the courses you are taking.
Information from Children. We do not seek information from
children. If you are under 13, you should not provide us with any
information without the involvement of a parent or guardian.
MBS's Use of
If you provide your Personal Information to
us, we may use that information to send you news and information
about our company, our products, or our services, that we determine,
in our sole judgment, may be of interest to you. In some instances,
you may receive information directly from the publisher of the
products you purchase from us. This may include updates, corrections
or other information related to those materials.
Your Ability to
Opt-Out from Receiving Materials from MBS
At any time you may
choose to opt-out from receiving materials from us. You can opt-out
of receiving materials by clicking on an 'opt-out' link provided at
the bottom of an email that you receive from us, or by calling our
customer service department at (888) 886-0772.
MBS's Ability to
Share your Personal Information
We do not rent, sell, or share Personal Information about you with
other people or companies except in the situations described below.
Information with Subcontractors. From time to time we may share
Personal Information with Subcontractors that provide us with
services. These services may include, among other things, the
creation or maintenance of our databases, or research and analysis
concerning the people who request information from us.
Information with Publishers. In some instances, we may share
your information with the publisher, copyright holder or author of
the products you purchase from us. These parties may use your
information to send you updates, corrections or other information
related to those materials.
Information with Law Enforcement. We fully cooperate with
reasonable requests for information from law enforcement agencies.
As a result, we reserve the right to report to law enforcement
agencies any activities that we reasonably believe to be unlawful,
or that we reasonably believe may aid a law enforcement
investigation into unlawful activity. In addition, we reserve the
right to release your information to law enforcement agencies if we
determine, in our sole judgment, that either you have violated our
policies, or the release of your information may protect the
rights, property or safety of MBS, you, or one of our other
Information as Permitted by Law. We may share your Personal
Information with others as required by, or permitted by, law. This
may include sharing your Personal Information with governmental
entities, or third parties in response to subpoenas, court orders,
other legal process, or as we believe is necessary to exercise our
legal rights or defend against legal claims against us.
In the unlikely event that MBS or substantially all of MBS's
assets, are acquired, your Personal Information will be transferred
to the acquiring company. In such a situation, you will be provided
with notice that a transfer of your Personal Information has
Security of Your
MBS has instituted measures designed to ensure that
your Personal Information is secure, and is not disclosed to
individuals or entities that are not authorized to receive it.
Removal of Your
Once you have provided Personal Information
to us, we may store and maintain that information indefinitely
unless you direct us otherwise. If you wish us to cease storing your
Personal Information, you may request that we do so by contacting
customer service department through our Contact
website, or our emails, may link to non-MBS websites. It is also
possible that non-MBS websites or emails may link to our website. We
are not responsible for the content or the privacy practices
employed by any third party websites. We encourage you to read the
privacy policies of these websites before transmitting any Personal
Changes to the
We reserve the right to modify or amend this
website. Any material changes in how we use or share your Personal
Information will only affect the information we collect after the
If you have any questions or comments concerning this
Information Do We Collect and How Is It Used?
actively submit. You may choose to provide certain personal
information through this site. This “Personal Information”
may include your name, email address, billing address, shipping
address(es), telephone number, and credit card information. You may
be asked to provide this information when you register to create an
account, complete an order, or contact us with a question or comment.
You will need to
provide Personal Information in the following instances:
an account. You will need to create a new password-protected account
to complete an order online. To create an account, we require that
you provide us with the following Personal Information: your email
address, and your first and last names.
To complete an order, we require you to access your password
protected account. You will access stored Personal Information or be
asked to submit additional Personal Information such as your credit
card number and billing address.
contact our Customer Service Team online with any questions, you will
need to provide your name and email address. You can also contact us
We use the
Personal Information described above to fulfill your orders for books
and related merchandise, provide customer support, and communicate
described below, we will not disclose your Personal Information to
third parties who are not our affiliates without your consent. We do
not sell or exchange customer lists or customer information for
marketing purposes with unaffiliated third parties, and will not do
so without your express permission. We may share anonymous, aggregate
information concerning the demographic makeup of our customers to
unrelated third parties.
We may share
Personal Information we collect for business purposes with companies
and individuals who provide servicing, administrative, marketing, and
other services for us, or on our behalf. Companies we hire to provide
such services are only permitted, by contract, to use your
information for the performance of the specific services we have
requested of them.
We may disclose
Personal Information to government and regulatory authorities as
permitted or required by applicable law, to enforce or apply the
terms of any of our policies or user agreements, or to protect the
rights, property, or safety of our company, our users, or others.
We are not
responsible for the privacy practices or the content of other
websites that may be linked to this site. When you click on links and
banners on our site that take you to third-party web sites, you will
be subject to the third parties' privacy policies. you are linking
from our site or browsing on your own.
Our web servers automatically collect
anonymous information about a visitor’s IP address, browser
type and referrer by reading this information from your browser. This
information is collected in a database and is used to help us
recognize you each time you return to our site. This information is
automatically logged by most websites.
collected using cookies
We may use various kinds of software
devices, such as “cookies” to collect information about
Internet use. These small files identify your browser and save
information such as passwords so that Web sites can recognize you.
You can set your browser to disable cookies, but some portions of
this site (and other sites) may not work properly if you do this.
collected using pixel tags or clear GIFs
We may use "message
format" and "message open" sensing technologies to
help us understand the effectiveness of our email marketing efforts.
Both technologies require the use of pixel tags or clear GIFs (also
called web beacons). The "message format" sensing
technology allows us to recognize whether you have enabled your email
program to receive HTML emails; if so, this information is then
associated with your email address so that subsequent messages can be
sent to you in HTML format. The "message open" sensing
technology allows us to recognize whether you have opened our email
message. We can only detect this if your have enabled your email
program to receive HTML emails.
How Is Your
Personal Information Protected?
We maintain reasonable security
procedures and practices appropriate to the nature of the
information, to protect the Personal Information from unauthorized
access, destruction, use, modification or disclosure. Nonaffiliated
third parties are contractually obligated to maintain strict
confidentiality, and are not permitted to use your Personal
Information for marketing purposes, or for any purpose other than
that we have requested of them. To further secure your Personal
We use Secure
Sockets Layer (SSL) encryption technology to prevent Personal
Information from being intercepted and read as it is transmitted over
the Internet. The encrypted data goes to a secure site where your
information is stored on restricted-access computers located at
We cross check
an email address with the submitted password to validate access to
your customer account.
We do not allow
any email address to access more than one account. When a new account
is created, we require you to submit an email address that is not
associated with an existing account.
How Will You
We may, but are not required
to, update this policy from time to time. Accordingly, you should
periodically check this web site for any changes.
If You Have Any
User expressly acknowledges that use of this Web site is at your sole risk. MBS Direct is providing
this Web site and its contents on an "as is" basis and makes no representations or warranties of any kind
with respect to this site or its contents. To the maximum extent permitted by law, MBS Direct disclaims all
such representations and warranties, including but not limited to warranties of merchantability and fitness
for a particular purpose. In addition, MBS Direct does not represent or warrant that the information or
merchandise provided through this Web site is accurate, complete or current. The prices listed in this Web
site are not offers to form a contract but merely an advertisement for offers.
Except as specifically stated on this Web site, under no legal theory, tort, contract or otherwise
shall MBS Direct nor any of its directors, employees, merchants, content developers or any other party
involved in the creation or maintenance of this site be liable for damages arising out of or in connection
with the use of or inability to use this site. This is a comprehensive limitation of liability that applies
to all damages of any kind, including (without limitation) compensatory, direct, indirect or
consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.
Under no circumstances shall MBS Direct be liable for any direct, indirect, incidental, special,
or consequential damages that result from the use of or inability to use MBS Direct. This includes but
is not limited to reliance by a User on any information obtained from MBS Direct or that result from
mistakes, omissions, interruptions, deletion of files or e-mail, errors, defects, viruses, delays in
operation or transmission, or any failure of performance, whether or not resulting from acts of God,
communications failure, theft, destruction, or unauthorized access of MBS Direct records, programs or services.
All content on this Web site, including text, site design, graphics, images, data compilations, lists,
bibliographic information, book covers and software, is the property of MBS Direct, or its licensors and
is protected by U.S. and international copyright law. Downloading, printing, copying, distributing or using
the contents of any pages in the site in any manner without prior written consent from MBS Direct is prohibited.
All rights not expressly granted herein are reserved.
MBS Direct reserves the right, in its discretion, to change or modify all or any part of these terms
and conditions at any time, effective immediately upon notice published on this Web site.
On occasion, MBS Direct enters into agreements with educational institutions. Under such agreements,
MBS Direct may provide services and other consideration to the educational institution, including,
but not limited to, providing students of the educational institution the opportunity to purchase
books and other course materials from MBS Direct, (ii) providing the educational institution a commission,
or other financial remuneration, based upon sales made to the educational institutions' students.